When I was applying to law school, I ended up having to make some difficult decisions (as we all do). Basically, my options boiled down to School A with some financial assistance, School B with more assistance, or School C with a significant amount of assistance. I distinctly remember discussing those options with a friend/recent graduate. He told me that he’d attended a school with minimal assistance and his loan payments repayments were essentially going to amount to a second mortgage for the foreseeable future. Suffice to say, loans are a significant factor driving many applicants decision to apply to law, and the practical ramifications of taking out significant loans should not be ignored.