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About savvytoo

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  1. I'm just going to a quick comment in case there is any misinterpretation from the comment I've quoted above. The interest is still applied monthly to the amount you've used from your LOC, you just don't have to pay it yourself. It's automatically applied to the current balance of your credit line every month. The only real advantage is that there is no risk of delinquent payments, as the payments are made automatically. It's possible that certain Scotiabank clients don't have interest added and that I am wrong, but Scotiabank certainly didn't budge on it in my case. If some people did have this in their package, it's most definitely not standard. Are you sure this is the case for you? @TheSaskConnection
  2. I believe their initial offer depends on the school you tell them you'll be attending. I was offered Prime + 0.5 initially and they mentioned that was standard for that particular law school. That said, I negotiated it down to Prime successfully relatively easily, so it's a good idea to take the advice not to settle for Prime. @Maple22 They did ask me for a written Prime offer from another bank so that they could match it, but I ended up sitting down with the branch manager and convinced him to lower it for me without any other offers.
  3. I'm in the same position as you right now, looking for housing in Queen's for an Aug 1 or Sept 1 lease. $1000/mo for rent and utilities hasn't seemed realistic based on my research so far. I was in that price range as well before I started looking but I've come to accept that I will most likely have to pay more. I suggest you do the same. I've reached out to some property management companies in Kingston regarding September 1st leases and they've all said that places for that timeline would list around June/July since these companies require 60 days notice from previous tenants.
  4. The deadline for the Law Admissions Bursary was sometime back in February, but they still accept and review applications. You'll just have to fill out the form and email it to the awards office. Your application status should show up on your SOLUS account within a couple of business days and the turnaround time for a decision is somewhere between 2-3 weeks. Queen's also has a general bursary application which opens up in September. My guess is that the awarded amount will most likely be applied to 2nd semester, as that was the process at my undergraduate institution.
  5. I'm beginning law school this coming September and I'm a relatively debt-averse person. How much debt do most students graduate with? Do people often tackle their line of credit a little bit when working summer positions and articling? Or do potential moving expenses, subletting, and other expenses prevent students from lowering their debt while in school? For context, I'mg going into school with no savings and no backup funding from parents. However, I've taken a year off between undergrad and law school and used that time, along with some extra money I've run into, to pay off my undergrad debt. I'm just curious what my expected debt levels will be upon graduation and what I can do along the way to minimize it.
  6. For what it's worth, I was in the same position you were during undergrad and understand your feelings in this matter. Approaching the application process with borderline stats can be a pretty daunting and stressful process, especially considering the fact that your life may be in limbo for upwards of 6 months while you wait to hear back from some of these schools. I was preparing myself to be rejected from many schools this cycle. I applied with an approximate 3.2 cGPA, 3.65 L2, and a 159 highest LSAT score. I was accepted to Queen's earlier this month and couldn't be happier as it was a top choice for me. With your GPA projections, you should be competitive at some schools with a decent LSAT score. I was surprised to be accepted to Queen's as it was considering it states on their admissions website that they prefer applicants with at least a 3.3 cGPA. I do believe I am probably a bit of an outlier in this regard for the incoming class, so don't necessarily take my words for gospel. I believe it was probably some of the soft aspects of my application or reference letters which put me over the edge. Point being - don't forget to apply with a well-rounded application and not put ALL of your energy into maintaining a high GPA, but definitely find a way to manage them to be where you need to be. On a final note, a 154 diagnostic LSAT puts you in a really good position to score at least a 160 before next cycle rolls around. I tried a bunch of study materials and methods, some of which worked for me and some which did not. Find what's right for you and what most helps strengthen any particular weaknesses you may have and you will do well enough on the test. Go in with the mindset of scoring as high as possible and don't stop at 160 when you get there, every extra point could open more doors for you.
  7. Sorry I just saw this. Yes, I applied in the general category.
  8. Thanks so much for the advice. I'll take all of this into account and will PM you if any other questions come up. I'm hoping I can get the same package you've detailed in your post. No interest payments until 1 year after articling with 135k and solid credit options would be amazing. Awesome they offered it to you without negotiation so here's hoping I don't have to hassle too much.
  9. I'm looking for some tips on how I should negotiate the best offer on my PSLOC. I've been accepted to Queen's so far and will more than likely be attending so I'm also looking for some info on how much funding financial institutions will offer based on going to Queen's. I'm currently with RBC and would like to stay with them if they can match a really good offer. I'm thinking of seeing what Scotiabank will offer me because I've heard they offer really good packages and taking it back to RBC to see if they can match it. From what I understand, it's common for Scotia to offer the prime rate with a generous grace period articling is completed. I've also heard these packages come with perks? What kind of perks should I be expecting/negotiating for? Will RBC match these if I come to them with an offer from Scotia first? Also, are they pulling full credit reports or are they soft checks? This would prevent me from shopping around too much for the best option.
  10. I was accepted to Queens yesterday and I literally had a 50 in my first year. This, plus another couple of poor grades in my first year brought my cGPA way down by the time I graduated. I had a false start to university, it happens and I touched on it in my personal statement. You'll be fine, just keep the grades up as high as possible to keep your options open and as stated above pair it with a decent LSAT score. Participate in extracurriculars as well during your time in undergrad to round out any weak spots when it comes to the hard numbers. I'm more curious about what BA program requires you to take Linear Algebra courses, lol
  11. Accepted today. cGPA 3.13 L2 3.65 LSAT 159 (highest)
  12. Weird. I'm still pending review and I submitted my application on October 17th. If they do rolling admissions I'm surprised mine hasn't been reviewed yet considering I submitted nearly 2 weeks before the deadline. I guess that's just later than the vast majority of people had submitted. Either that or they put it to the back of the pile because I rewrote the LSAT in Nov 2018. Glad to hear I should be referred pretty soon though.
  13. From what I've seen from other posts on similar topics, why not just wait until the acceptance deadline for TRU and see? Worst case is you accept the TRU offer and place the deposit, then if you end up getting into either of the other two schools you just lose the deposit you gave to TRU.
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