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thedraper

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  1. thedraper

    10% tuition cut at Ontario law schools?

    No I don't and cannot have evidence beyond the reason an OSAP rep gave me, which was basically sorry but others need the money more than you. I know my parents income, I know my roommate's parents income, and I know that after the "free tuition" announcement which my roommate qualified for, her funding sky-rocketed and mine was cut. I'm simply putting the pieces together. Unless OSAP got more funding that I am not aware of, how were they going to fund the increase in funding for students with parents making under a certain threshold? Sure, in your sense free tuition is a marketing thing, and I suppose it is since it's not free at the school level itself. But what difference does it make? OSAP is still going to give grants that will cover tuition.
  2. thedraper

    10% tuition cut at Ontario law schools?

    Ideally I'd like to see OSAP move away from relying on parental income. But honestly I don't know how else they could do it, it's tough to say. I don't see how the free tuition thing was a hoax. My roommate gets a massive grant from OSAP (covering tuition) and some extra in the form of a loan to cover living expenses. The year she got a massive boost to her grant was the year my funding got slashed. I can only imagine OSAP applicants with higher income parents in one way or another subsidized those massive grants. Ironically, my roommate gets help from her parents, while I have just had to grind out more hours at work. Not ideal, but it's what we've got.
  3. thedraper

    10% tuition cut at Ontario law schools?

    While I can sympathize with your struggle of paying for school, the OSAP changes have not helped everyone. My parents have chosen not to help me with my underaged expenses, and I am completely fine with that. I have managed to get by while working and with OSAP. When OSAP made their changes my funding was cut in half from my second year of undergrad to my third. The "free rides" (I don't mean this literally) OSAP is offering had to be payed by someone right? The struggle you say may happen for you in the coming years is one that is already felt by nearly every OSAP student that does not receive their parents financial support, yet have their funding based on their parents income.
  4. thedraper

    Are loans ever offered at less than prime?

    Yea, when I decide on a school and actually accept the offer I'll go back to negotiate, I'm certain I'll be able to get prime.
  5. thedraper

    Are loans ever offered at less than prime?

    Would that not depend on your ability to repay the loan? I'm much more concerned about not going bankrupt while I am in school making payments that are not even touching the balance of the loan. Why are you taking it out of context? Why would I be talking about the 80s on this forum and on this particular thread? You're just being silly. Would you not agree that 3.95% is "quite high" compared to 2.70%? Any rational person considering my statement in the context of this forum and PSLOC's would agree that it's quite high. You're just arguing for arguments sake, which seems to be a pattern of yours.
  6. thedraper

    Are loans ever offered at less than prime?

    While in school most will only be making interest payments, not touching principal, so the interest while in school matters much more. If it increases when you're out of school and paying interest + principal then your decreasing outstanding balance will offset higher interest rates. How can you say someone can't narrow down a window and compare rates within that window? That's just ridiculous and I don't see how you can say otherwise, especially given students are in school only three years and I am referring to interest-only payments.
  7. thedraper

    Are loans ever offered at less than prime?

    No doubt if you take a long-term approach like you are then yes it seems cheap. But I am talking short-term, which is perfectly rational considering most law students will be making interest-only payments while in school. If I started law school two years ago I'd be saving almost 50% on interest.
  8. thedraper

    Are loans ever offered at less than prime?

    Did the BoC not just decide to leave rates untouched a couple weeks ago? Surely if all they wanted to do was raise it they would have.
  9. thedraper

    Are loans ever offered at less than prime?

    Given that law school is only 3 years, and three years ago rates were 2.70%, I think it's sort of fair to say they are quite high right now.
  10. thedraper

    Are loans ever offered at less than prime?

    Where are you getting that from? Just this past summer it was 3.45%. December 2017 3.20%. June 2017 2.70%. etc... 3.95% is relatively high. I've noticed the changes quite obviously while working at a bank. https://ycharts.com/indicators/canada_prime_rate_monthly
  11. thedraper

    Textbooks Used in Law School

    Good idea! I think I'll wait to decide on a school and the start to worry about books. I have had a bad habit of holding on to many of my undergrad books and I need to deal with them all before finishing up.
  12. thedraper

    Textbooks Used in Law School

    That's what I was sort of thinking. Maybe I'll hang on to them until I figure out which school I will attend.
  13. thedraper

    Textbooks Used in Law School

    I know they are basic, but I figure for first year courses they may be used for certain chapters? Just a thought.
  14. I would not be surprised ahahahaha
  15. Hey everyone, I was wondering if anyone could shed light on whether some schools use the "Essentials of Canadian Law" textbooks by Irwin Law. I have a few from undergrad and before I sell them I wanted to see if they were used in ON law schools. I have some on sentencing, banking law, and the law of partnerships and corporations. Some are from particular schools, such as my sentencing one that is from Queens. I know it's broad considering I am not asking about a particular school, but if anyone can comment about whether they've used these books at any of the Ontario schools it would be helpful.
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