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Jacq

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  1. Check on Scotiabank and RBC. I don't know if the rates and max amounts have changed but I believe both offer $100k- $130k. I personally liked RBC's student line of credit. Last September it was just prime +0 for $125k max, no co-signature required, and they had the Ipad promo (I believe the Ipad was just for new customers). I initially went with Scotiabank and switched, but they were also great with students going abroad.
  2. Not sure if this helps, but I spoke to my bank manager at Scotia and asked if it was possible to get 50k in first, 50k second, rest later, and it was possible (believe they just put in a request with the underwriters saying you want more to cover things like tuition and rent) . Like the above posts have said, you only accumulate interest on the money that you have taken out. If you're able to get more in your first and second year, you might not feel so "stuck" with tuition, rent, other things. Just make sure you don't go spending more than what you have to pay for your full tuition lol
  3. I studied in the UK. Feel free to PM me with your questions.
  4. Very interesting. A student in the GPLLM told me the class size this year was around 80 people. I never knew that the LLM at Osgoode was so large. At Orientation last year, we were told there were under 100 people in the program, but obviously the stats online say otherwise. Thank you for your insights!
  5. My experience was fantastic! I was able to select my own electives, overload and complete the program in 8 months (versus a full year), satisfy my NCA requirements, and attended a lot of networking events. I was taught by excellent professors and made connections with lawyers who work at some of the top firms in Toronto and the GTA. I obtained my position before commencing the program, but my acceptance is what I believed helped me to secure my articling position and what helped me receive other interviews and offers. I had no connections to law firms and did not have a promised position prior to studying law in the UK. Now, would I say having an LLM automatically will help you secure a position? No. I worked my butt off, networked, built up my work and extra curricular experience, had exceptional grades, and made sure to follow the proper LSO timelines and dates that Canadian law students follow. There is a risk with coming to Canada as a foreign law grad as you will not be considered the same as a Canadian law graduate. Personally, more of my friends with an LLM have secured positions over those who decided to write their NCAs. However, if you put in the work and decide to save your money and just write the NCA exams, anything is possible--but be aware of the risks and difficulty you may have coming to Canada.
  6. I'm interesting in hearing more about this comment--would you be able to expand on it (specifically why to avoid Osgoode LLM at all costs)? As of 2016/2017 when many students applied to the three programs from my class, UBC and Osgoode appeared to be the most difficult to get into (smaller programs, more reputable programs (been around for a lot longer), many people waitlisted, or rejected). UofT's GPLLM (specifically this program, not other LLMs) was often discussed negatively throughout my classmates and Alumni as it has previously caused issues for students wanting to satisfy the NCA requirements, was more expensive, and didn't allow for students to choose their own electives. It also appeared to have specific application requirements (such as a min. 2 years related work experience, which many students did not have in my program) and yet I'm almost positive that everyone who chose to apply from my class received offers. It also doesn't allow for students to meet their NCA requirements by June of their year of study because of the strict schedule-- thus students could not write the June Bar exams (Ontario), and were not allowed to participate in the formal articling recruitment/ commence articling in July/August after finishing their studies. I'm not too familiar with the UBC program as I never personally considered it, but from what I have heard many students are content with it. I personally am very content with my choice to complete the LLM program at Osgoode--but I am very interested in hearing your thoughts so that I may share them with others.
  7. I think that depends on what type of LLM you are interested in. If the LLM is not to complete the NCA requirements you could get an LLM in anything from International Business Law to an LLM in Basic Legal Theory. Depending on the specific program you are interested in, that will narrow down which schools offer that specific LLM Program. I'm not sure if this is helpful but I found this list online: https://llm-guide.com/schools/americas/canada.
  8. Thank you for your response. Luckily I don't have these $1700 payments and I hope that no one finds themselves on EI after articling. If you ever are open to sharing more of your wisdom and practical knowledge over a long open road, I won't turn down the experience to ride in one of your leased fine Italian sports cars haha 🚘
  9. Thank you for this post. I believe it will help those who read this thread in terms of repayment of loans after law school. I don't disagree that it is life-altering and a big decision to make. It appears the OP has made the decision to attend law school in the UK, of which we hope they do not accumulate debt of 170k. I certainly do not have debt that high and am grateful that I do not have extensive monthly loan payments. At the end of the day law school is expensive, and the OP has a decision to make in terms of returning to Canada with the risks that follow or deciding to stay and work in the UK post law school.
  10. @lookingaround You're correct in that for most people that's a life-altering commitment. My initial comment on having "no issues" is to reflect the comment above. Unless I am some unicorn who is able to pay for rent, car insurance & gas, other bills, groceries, other necessities, and still making my monthly payments to my loan on an articling salary, then I believe for most people who take on law school loans, that it's possible to make monthly payments to those loans once you obtain a position "without issues" (aka, not requiring a parent to bail you out/ marry into money quickly). This is now straying too far away from the OP's initial questions about returning to Canada or staying in the UK post law school.
  11. I agree with @erinl2. Are you planning on meeting the NCA requirements by completing an LLM? Have you already received a NCA assessment? If I am correct, I believe there are limited LLM programs to choose from that meet the NCA requirements. I am most familiar with Osgoode (Toronto) LLM, University of Toronto GPLLM, University of BC LLM, and a program at University of Alberta that allows you to take JD classes to meet the NCA requirements, but you do not obtain any additional degree. Depending on where you are moving in Canada, you may be affected by location of these programs. Your NCA assessment will tell you how many exams you need to complete. This may affect which programs are best for you. For instance if you commence UofT's GPLLM (which I understand to be a program with a strict course schedule-- no additional choice in courses/electives), you may need to write additional NCA exams outside of the program. If you're considering cost-- completing an LLM is obviously going to cost you a lot more than writing your NCA exams. However, you will be obtaining an LLM from a Canadian Law School, able to meet classmates, attend University exclusive networking events, and obtain guidance from Professors and the administration. It is possible to obtain an articling position after obtaining a law degree from a foreign country, but where you complete your LLM will not automatically get you an articling positions. The University might introduce you to more networking opportunities, but you will need to reach out on your own and do whatever networking possible to help you obtain an articling position. If you are moving to Ontario, you may also want to consider the LPP (Law Practice Program) through Ryerson University to meet the articling requirements. I would suggest reading through the NCA website and the law society website of the Province you will be moving to. I would also reach out to the NCA and ask for more information about the LLM programs offered in Canada that meet the NCA requirements.
  12. I cannot personally relate to you as I did not write any NCA exams and instead met my NCA qualification requirements by attending Osgoode for an LLM/ third year law. I also applied in the formal recruitment (Toronto and Hamilton) and accepted an articling position out of my offers. I do have some friends who have graduated from UK universities and are still in the process of writing their NCA exams. I assume you are talking about the Ontario Bar exams. In Ontario, you cannot "article" unless you have met the NCA requirements and are in the LSO lawyer licensing process. In the mean my friends currently working as legal assistants, law clerks, etc. However, most of my classmates participated in the formal recruitment and secured articling positions after their second year law (before writing NCAs). There are many positions available on Indeed, or on pages such as the TLA career page (check your local law association page). If you're looking to get your foot in the door and can't find a paying position, you can even reach out to local firms or Pro Bono Clinics and see if you can volunteer or shadow there while you complete your NCAs. If you or your friends/family members know any lawyers, I would even suggest reaching out to them to see if they need any help around the firm. Some firms hire outside of the formal recruitment, however you will want to make sure you read through the LSO website, the regions you are looking to apply to, and their important dates & deadlines for applications should you wish to apply to firms that participate in the formal recruitment. I believe a lot of the deadlines listed on the LSO have passed for applying to articling positions for 2020/2021, so you may want to keep an eye out for firms hiring outside of the formal recruitment should you want to start articling within the year. Good luck!
  13. Congrats on receiving ITCs (and good luck)! There a lot of things to consider with this question. How busy are these firms, how many articling positions are available, do they hire back summer students, etc., Also keep in mind that these firms have already selected their top applicants when offering out their interviews. I am not familiar with regional firms in Vancouver but I believe in the Greater Toronto Area that medium sized firms hire 1-5 articling students (at least that is what I have found with firms with 15+ lawyers). If they are hiring for 1 position, I would assume that they wouldn't interview more than 15 people (as, like I said, they have already processed through all of the applications already and now want to meet their top applicants). I remember having an interview at a medium sized firm last year and I believe they interviewed 7 people for 1 position . However, I asked this question at a later social event and did not ask in the interview (so I didn't get to ask this question to other interviewers). I'll have to ask my employer, but I believe I competed against 5-10 people for my position at a medium sized firm. If you know anyone who works or has worked at the firms you are applying to, you may get a better and more precise answer from them. Hopefully someone who is an "interviewer" can answer this question. I wouldn't stress about the competition. Make sure you know the law firms, who are the lawyers there/ your interviewers, read up on some recent updates in the law they practice or cases they have worked on, practice some questions, and come up with some questions for the interviewers. Go in thinking it's just you and one other person and think about what you need to do and what you are going to present to the interviewer that will make you the better candidate. Be yourself, be honest, show off your personality, and enjoy the process
  14. I never stated that I knew anyone with debt exceeding $200,000. My friends who have just completed UofT are sitting at around $170k in debt (this is to address my comment on the high tuition cost that comes with attending UofT, of which many students have no issues paying back given the opportunities that come with getting a law degree from UofT). I do not know anyone, including myself, who are having issues making payments to tuition loans. Would you care to detail how you or others had issues paying tuition loans? I think that since you believe my statement is "not credible", it would be helpful to those who read this thread if you could expand on experiences that you are aware of. I also never stated that anyone is an "idiot" or feels like one with respect to borrowing money. In fact I don't believe anyone is an "idiot" for borrowing money to fund their tuition.
  15. I apologize, wasn't trying to be "a douchebag"-- just saying that "you'd be stupid to choose going to the UK over UofT" because it's less expensive
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