Why I went to Law School

Many people wonder why I went to law school.  Was it to play around on Sallie Mae's dime for three years, travel the world, and kick back and relax?  Or was it to better myself with the hope that I would one day get a legal job and make enough money to pay back my loans? 

It was the latter.

One of my professors, during my 1L year lauded me for being "one of the few that actually took law school seriously."  He wrote me a letter of recommendation when I landed a spot in the top 18% of my class and transferred to a higher ranked school in New York.  The truth was, I did take law school seriously, and I wanted to be as good as I could be, so I could get a good job, pay back my loans, and provide a good income to support my wife and myself.

Then I came across the scamblogs.  The whiners stated that law school was a fraud, the deans were tricksters and it was all a lie!  I wondered if they were right as I read their whine parade.  I wondered why people would spend their days posting on the internet instead of doing something to better themselves.  Of course, I took offense to this.  I wanted nothing to do with these cretins! 

During law school I did my best to keep my skills sharp.  I was involved in internships and clinics.  I had a mentor.  I kept this blog as a way to tell others that you don't have to be depressed about law school.  However, those who ran the scamblogs were quite angry at me.  They said I should just throw in the towel, drop out, and pretty much whine on the internet all the time.

I did not want to do that.

So what, I took a few trips during law school?  I paid for many of these myself.  Further, my trips were not just for pleasure.  I made a money off of them.  For example, I created a website based on my trip to Puerto Rico which brings me a nice bit of income, and will eventually pay that trip back.  I purchased goods for resale in Egypt and will be selling those at a flea market in the next couple of weeks.  I also sublet my apartment while I was out.  Yet, those who criticize me have no idea how these things work.  "How do I mix pleasure with income production," they ask.  "Is that even possible?!" they lament.  Instead, they sit on an internet forum and tell everyone else that they are better than everyone else.  What a wretched way to live. 

People on the internet act like they know everyone else so well, but they do not.  We all come from vastly different backgrounds.  I came from a poor family.  I had the choice to either do little with my life or strive to make myself as good as I could be.  I may never pay back my debt.  I may have to rely on IBR my whole life.  That is not my main plan, but it is a back up plan.  It is a hell of a lot better than having no back up plan or not paying back my loans.  How many people are in default on their loans and pay nothing?  I will not do that. 

Some mistakenly believe that if you are from a poor background you have no right to go to law school.  These elitist individuals should be avoided at all costs.  Their way of thinking is toxic and destructive.  If you spend your time taking what they have to say in this regard seriously, you will only destroy yourself.  That way of thinking is archaic and disgusting, vile at best.  As a human being, your background does not matter.  You are what matters.  I have always known that I was not my parent, nor was I the person who failed.  I was a different person, with a chance to succeed.  Some people will hate that.  I am sorry if you hate me because you wish you did something different in your life.  One thing I have realized is that those who hate others hate themselves more.  What bothers one about another person is something that they find true about themselves. 

I will continue to strive to make myself better as long as I live.  I hope to one day pay off all my student loans, and I plan to.

And with that being said, I will not explain my reasons for law school or be forced to defend myself on this blog again.  One should NOT have to explain oneself for trying to better oneself or pursuing a degree in law or any other field.

Should I marry a person with student loan debt?

No matter who you marry, you're still on the bottom.

One of my readers asked me: "Should I marry a man (or woman) with student loan debt?"  I am no woman, but I will tell you that student loan debt is a serious issue right now in this country of ours.  For example, it is said that over $1 trillion dollars is tied up in student loans.  That's a lot of money!  However, the truth is, student loan debt is owed in different amounts by different people.  For example, some people owe only a few hundred dollars, while others owe over $300,000!

Here's an interesting story about a guy who could not pass the character and fitness portion of the bar exam due to student loan debt:  character & fitness fail for law school graduate due to student loans.  Now that's scary, because I will be graduating with over $150k in student loan debt (his debt was $170k).  That being said, this is something to seriously consider for the law student and for the would be spouse of a law student or graduate.  Do you want to be marrying into that kind of debt?
(Please, do yourself a favor and don't read the comments of the link above.  They are awful.)

Related Post: Suicide and Student Loan Debt.

Now, let's just back up a second.  Money is one thing, but so is love.  Some people are more into money than love, and others are more into love than money.  Some people have visions of an adult life full of wealth and prestige.  $adly, for these people, the real world may be knocking soon, and chances are, their fantasies will soon be crushed by reality.  Others have dreams of a perfect relationship.  This, in my opinion, is easier to get to than the world of wealth and prestige.  I have seen people on the lower end of the socioeconomic stratum that were deeply in love until their death.  However, this is not generally the case if the two people can not get past the issues of money.

Money is a powerful force in our world.  People are obsessed with it.  Many would give almost anything for money.  Relationships are born and die due to money.  Many divorces are the result of lifestyle and money issues.  Two individuals that could have been happy together end up otherwise due to the disagreements brought on by money woes.  Money in itself is not evil.  It's just a way to buy and sell, just as trading is a way to exchange items.  However, many people do not understand the intricacies of money, and many think that money is the end of everything in life. 

I would say, in response to the question, if a person should marry another person with student loan debt: it depends.  Do you know how to deal with money?  Does that person share your same views in regards to money and how to spend?  Are you both frugal, or is only one of you?  If one person is frugal and the other is not, chances are there will be strife.

For example, I have known people who are very frugal and are/were married to individuals who liked to spend.  The frugal person would work hard to save, and the spender would work hard to spend.  Everything that one person would try to put aside the other person would spend!  It is very hard to avoid strife in that kind of relationship.  Before getting married, two people should try to figure out how they plan on spending money.  Put together a budget and a list of goals.  Do you both share the same dreams of buying a house, moving to the suburbs, having six kids and a minivan?  Do you both want a state of the art time share in Playa Del Carmen, Mexico?  Well, that won't happen if one of the spouses needs the newest clothing every other week, or if one of the people demands on carrying the newest gadgets.

Sadly, the people who I see who have money differences generally get divorced and fight over money (and often children) issues for the remainder of their youth.  This is no way a marriage should be.  So, I say, if you are thinking of getting married to a person with debt, you must ask if you are both willing to tackle that debt.

Second, ask: Are we both willing to live under our means for the first few years at least?  (If so, read my first post on being frugal.)  Chances are you will both be working to pay off that large debt for a long time.  It may mean putting off a house or a minivan or oodles of children for a few years.  There is no reason you can not have some things, but you can't expect to have your cake and eat it too.  There are always trade offs in life, and there will be in such a relationship.  You just have to be realistic.

If you both can agree on the way you manage money, savings plans, goals, and spending patterns, and you both love each other, there is no reason why you should not both get married.  There are far worse things in the world than marrying a person with inordinate student debt.

Man of Industry

It was only a few months ago when I met this "man of industry".  I knew he'd be large in many things.  He walked out from my sister's house, greeting me with a grin.  This was not any house, mind you.  This was a home.  Sitting on the edge of a cliff surrounded by thousands upon thousands of pines, overlooking some of the most beautiful back country in Idaho, it commanded an awesome view. 

The man's eyes gazed on me.  It was the first time we met.  He had wedded my sister and was now gearing up to make his way to the Emerald City, a.k.a. Seattle.  And deep in the living room, with a baby suckling, was my sister.  She had a look of emptiness on her face.  She stared blankly at me when I walked in.  With this marvelous mansion surrounding her, I wondered how she could be anything but giddy.

The man of industry sat next to her.  His new son continued to drink from her as his father grinned at me.  This man was proud of his accomplishments.  Behind him windows that were four times as tall as he was took in the landscape.  He looked me up and down, as if I was a threat to him.  He smiled.  We spoke.

"How do you like it over there?" He asked, regarding my home in New York.
"I like it." 
He was amazed.  He hated it.  "I used to go there for business.  I hate it."
"I see."

His words were spoken quickly.  He knew what he liked in life.  He also knew what he did not like.  He was large, like the house he was in.  His woman, my sister, at his side, said little.  She was annoyed at my presence most likely.  We have never been close.

"What are you doing?"
"Law school."

He was not impressed.  Many laymen may be impressed when you tell them law school, but not this man.  By now, you are probably wondering what this man of industry does for a living.  He told me that he was buying this amazing house from a man who owned a helicopter company.  The company went under shortly after the crash of '08.  He was now unloading the house, and brother-in-law was going to take over everything. 

"What are your plans for life?" he asked.  This was where he was sizing me up.  He wanted to see what kind of threat I was. 

"I don't know.  Maybe start a business," I said, meekly.  It was right then that I realized that I had no plans or goals.  I was just sailing along.  Just in law school at the time, hoping to "do my best".  Hoping against all odds that I would find that amazing job and find that my worries were for naught.  Maybe the scam blogs will be wrong for me, I thought.  But this man slapped me back into reality when he asked me that question.  How can I expect to be different than the others?  Some of them went to T6 schools and they can't find jobs!  How can I expect to do better?  And look at this man's house!  It's huge!  And his child, his 9th!  Surely he is doing something right! (keep in mind, he was married once before)

"Why don't you have any children?" He asked.  I laughed inside.  Truthfully, I do not want children.  That is something that I am adamant about.  I have never had the desire to reproduce.  "I don't really want any."  Having nine children himself, he was perplexed.

"I love all my children," he said, looking down at his son.  "I would never do anything differently."
Of course not, I thought to myself.  You have it all.  He then leaned back and fell asleep as I sat there, staring at that view beyond.  The family dog came out and tugged at my pants and the other kids would be arriving home from school soon.  Sister was quiet for the most part, but eventually showed me the place.  We went into the basement and then to the loft.  I saw the bedroom where he had a massive bed all surrounded by toy trucks.  The bathtub was her "pride and joy" as she put it.  Outside on the deck was a hot tub.  The loft was where their office was. 



About an hour later we parted ways.  Surely now, you wonder what this man of industry does for a living.  It's not something that one may think.  He had no higher education whatsoever.  In fact, when my little cousin was talking about going to college, he told her college was stupid.  Just right out told her.  If there's one thing about this man of industry, it's that he's a straight talker.  In fact, he's just a regular ol' truck driver.  He hauls cars across the country for a living.  That's it!  No fancy office job, no MBA or PhD.  No JD.  Heck, I don't even know if he finished high school.  He sits behind the wheel of a big rig and claims to make well over $100k a year.  No student debt. 

Something for you all to think about.

Dating in Law School

Are you looking for love in law school, or have you graduated law school and wonder if any woman/man in her right mind will take you?  Well, I have some thoughts on the subject.  Before I begin I want to state that these are mainly my perceptions, and they may be wrong.  Further, I am up to being challenged on them, so if you disagree and have anything to add, go ahead and put it in the comments section.

It seems that today being in a relationship is of the utmost importance.  We see it all the time in the media, on movies, and in the books we read.  The idea of being alone is a miserable thought to many of us who crave the intimacy of some kind of partnership with another living breathing human being.  Being alone, society has told us, is a curse.  I disagree.  For some people, being single is a great thing.  There are many individuals who have gone on to do great things with their lives and have been single.  Further, many people have found happiness being single.   However, that does not help those who truly yearn for some kind of mate.

So, say you are in law school and looking for a partner.  Where should you be looking?  In the classroom, outside of the classroom?  Should you look in the law review area (that's where the real geniuses hang out)?  Should you look in the law school cafeteria?  Well, personally, I would never date another law student.  Well, I should not say never, but I would be incredibly careful about doing so.  First of all, one thing I have noticed about many (not all, but many) people in law school is that they think very, very highly of themselves.  Some will outright say that they are amongst the smartest people in society (just because they finished their first year of law school).  I would not want someone who incorrectly thinks that they are superior in such a way.  They say confidence turns on the opposite sex, but that is not confidence.  That's more akin to an ego that has got out of control.

Further, some would consider the debt level of the person they were dating, especially if one is marriage minded.  Do you want to go into a marriage with huge debt?  Personally, with the debt I carry, this would not be a huge issue to me.  I realize that if I was to double it, it will still be almost impossible to pay off.  Further, having a life partner, and someone you love and cherish for the rest of your life, is worth more than a legal education.  So, if I took on $200,000 of debt for law school, why not take on an extra $200,000 (or more) for someone that I can spend the rest of my life with? 

I would consider looking outside of law school for a partner.  Some say that older women do not find a law student or lawyer to be that great of a thing anymore.  Sure, an unemployed lawyer is not going to appeal to some women.  Many women do want a man who makes good money.  However, money is not everything, and there are many women out there who just want someone who they can be a partner with.  These are the kind of women I would search for.  Even a person making $200k a year can become disabled or fired.  If the partner would leave me over such a thing, then I would not want to be with that person.  Further, I don't think that there's anything wrong with finding a woman from the type of background where she would be impressed by a law student or lawyer.  Just because a woman does not make a great amount of money or have a impressive education doesn't mean she can't be an amazing person.  In fact, I have found women from these types of backgrounds to be more 'real' and accepting. 



One other piece of advice is to not chase that partner away with your lamenting over high debt.  Although you may have incredible debt levels (I do), I do not lose sleep over it, nor would I make my partner feel fear over it.  I know that I have to do something about the debt I have taken on, and making myself scared over it, or making my partner scared over it won't change a thing.  I am reminded of Tuvok on Star Trek: Voyager who states that lamenting over something will not change what is already there.  I have my whole life ahead of me to correct the debt, and even if I take it to my grave, it can not take away my chance to have an amazing relationship with another human being.

My School is Raising Tuition Again!

It may not matter too much to me as my school is already quite expensive, but it might matter to those who are just starting law school.  The truth is, however, the school is raising tuition once again.  I got the e-mail the other day, and it said the following:

The administration has worked to keep tuition increases to a minimumthis year.  Rising costs have made some increase unavoidable, but, bycontrolling costs, we have been able to hold the increase to 2.9% for3F, 3P, and 4P students and 3.2% for 2F and 2P students. 

Full-Time2F $49,6303F $49,486 

Part-Time2P $37,2223P $37,1144P $36,758 

Student Fees will increase to $346 for the coming year.

The truth is, this is not gonna be cheap.  And every year it goes up.  My school is not the only school that raises its tuition.  In fact, tuition increases are happening everywhere.  In fact, I would like to see a law school that is not raising its tuition.  That would be a site huh?

One final year and I am done with law school.  Sally Mae will come to my door, in all her splendid glory and ask for her money back.  Only time will tell if I will have any money to give her.

Will I find a legal job?  Will I find a non-legal job?  Will I be working at a decent law firm, at a non-profit, or at a fast food restaurant?  Will I be living back with my parents (which, to be honest, I don't consider an option).  For a person such as myself, the future is very scary.

My school is raising tuition again... Is yours?

---

I honestly CAN NOT BELIEVE that my school has the AUDACITY to RAISE it's tuition again!  How the H E L L do these people think we can pay this amount.  Is the government this STUPID that they allow schools to keep raising prices.  Are people so stupid that they think that the economy can sustain itself on people taking out HUNDREDS OF THOUSANDS of dollars in student loans.  Where is all this money coming from?  Do these idiots honestly think that everyone is going to be able to pay it back in this economy?  I don't understand it.  How can people just sit by and watch this happen.  It's like the housing bubble all over again -- yet I think this is going to be worse.  Much worse.  I think that it's going to implode and I wonder where the economy is going to be.

This is the BABY BOOMERS LAST STAND.  One final way to screw us over before they finally leave this planet.  GOOD RIDDANCE TO BAD RUBBISH!!!!!!!

Student Loan Debt | Law School Suicide?

I have read that suicide in the law profession is one of the highest amongst all professions.  I am no lawyer yet, nor do I know if I ever will be one.  However, I must say that as of late, the thoughts of suicide have come into my mind.  Late at night, lingering in my mind.  Consuming my thoughts.  Penetrating my psyche.

First, I don't think of myself as a suicide risk.  I have played with the idea years ago of ending my life, but now I have things in my life that are too precious to kill myself for.  My family, my pets, my friends, my World of Warcraft account with a level 85 Restoration Druid, Warlock, 2 Mages, and a Priest.  The Warlock alone probably makes my life worth keeping around, as I have gotten immense pleasure off leveling him.  For the Horde!

When I was very young, around 18ish, I once played around in a chat room, depressed out of my mind about a girl that I thought I loved who dumped me.  I told the chat room that I would kill myself!  Later that night the police came by to check up on me.  I told them that I was not going to kill myself.  It seems that some woman in that chat room called the cops on me.  That's when I realized that it was not good to even talk about suicide.  No one in my family ever found out about this dark event.

For the last few nights I have found myself awake late into the night, depressed out of my mind.   I have read things on these scam blogs that people in society do not understand.  I started college a few years ago hoping that I would one day make a decent living.  I thought I would be happy with around $50,000 a year.  In fact, coming from a very poor background, that seemed like a huge amount of money to me.  As I graduated with a bachelor's degree, I realized I would be happy with $30,000, but the chances of me getting it seemed nil.  So, I went on to law school, figuring I could make at least that amount and have a "respectable" career.  Now, it turns out, that dream was not really viable.  In fact, while I may find a job that pays decently, chances are I won't.  It's not a good bet.  And not one that should be taken lightly.  It's a losers game. 


Anyway, late in the night, while staring up at the ceiling, trying to focus my mind on something besides law school I found myself playing with the idea of offing myself.  I realized that this was not something I should be thinking about, as I have much to live for, and it made me feel even worse.  How could I have gotten to this point?  How could I, during 1L, have had so much hope for the future, and now, being a 2L, feel that it's all a waste?  It's all dismal.  It's not worth it.  I feel that I am going to, in the end, only have debt to show for my accomplishments.  I feel in the end, all I will be remembered for is that guy in the family who got so much education but had so much debt and never could find a real job.  It's a sobering and depressing thought, and perhaps my greatest challenge-greater than the torts final and corporations final, and taxation final will be learning to live with the fact.  The fact that I am doomed to failure.  The fact that I really had no chance at all. 

I made a mistake.  And a costly one.  One that will surely haunt me for the remainder of my life.  Keep this in mind, 0L's, as you begin your education.  Think about taking a couple years off, trying to find a decent job, and forgetting about law school until some changes are made.  You have all your lives to go to law school.  It will be around in a decade.  Until then, get some good experience in the real world, and try your hand at paying back that undergraduate debt.  Chances are you will realize that you were better off not going to law school.  Chances are you will find something more valuable than learning the coveted black letter law.  Your time, dear reader, is better spent than learning how to brief a one hundred year old case.

Crusaders of Justice

Can redemption be found within the hallowed halls of law school?  Is there solace in learning the great laws that have been passed down from generation to generation?  Does the title, esquire, bestow upon thee some magical power?  Some higher purpose?  Are lawyers truly called to lift the world from chaos and create order?

Mort de Roland

If a lawyer is truly a crusader of society, and if the ABA wants to continue to further this vision, then one must ask: does law school go along with this ideal?

In order to be a member of the almighty bar association-earning the coveted (and ultra-expensive) title of esquire-one must pass not only a so-called grueling bar exam, but also pass a character and fitness evaluation.  The bar association demands that its members be fit in morals and personal character in order to represent clients in the courtrooms of this country.

However, according to the magazine “The National Jurist”, two new law schools are planning on opening soon.  The University of North Texas will be opening in 2014, adding another school to the lone star (not lone law school) state.  Indiana Tech in Fort Wayne, Indiana will be opening a new “three-story law school building” around August 2013 if things go according to plan.  Does the United States need two more law schools within the next two years?  

If a baby faced graduate of law school must pass a character and fitness evaluation, shouldn’t the same exacting standards be expected of the law school system?  Should there be so many law schools?  And if so, should not the incoming class sizes be regulated?  Should thousands of people be able to flood the market, making it so that few can find actual legal jobs?  I believe that people should have the chance to do what they want with their lives.  At the same time, student loan money is easy to get.  In fact, it is effortless (almost-I knew someone who did not go to college because he/she did not know how to fill out a FAFSA and refused to learn).  Otherwise, one can have access to hundreds of thousands of dollars for school and living expenses.  While I think that school should be available to everyone, student loans should be capped and schools should follow suit if they want students.  Schools raising tuition every year and loan caps being raised takes advantage of those who are seeking a better life for themselves-the student.

The student is often a young individual who is freshly out in the world.  In fact, the first real scam that the student will face in their life may be the tuition scam.  The result is a lifetime of huge debt and very few ways to get out of it.  Visions of stability and wealth, something that universally almost human being craves, is held out in front of the student.  The student pushes forth, towards that vision, in hopes of attaining it, being told, just a couple more years of school, and you'll be done.  Just another year at $40,000 and you shall be a self-sufficient and productive member of society.  A crusader of justice, who will make your families and communities immensely proud. 



Coming up with a solution to the problem is not easy.  The ABA could state that law schools should cap their class sizes each year, especially when the economy is in a huge downturn.  The ABA could state that the current law school model of learning three years of theory is a broken model that does not do much good for teaching law.  If a person is not ready to represent a client on their own after law school, then the system has failed them.  Imagine a doctor graduating medical school and did not knowing how to operate on a patient.  Imagine a dentist getting out of dental school and not knowing how to do a root canal or a filling after joining a dental office for half a decade?  However, that is where law schools are placing their graduates. 



Some schools have mentioned creating in house law firms in which their students can learn how to represent a client.  Why has that not been implemented from the start?  If dental school charged $30-50,000 a year to teach students ‘dental theory’ and said ‘you will learn the real medical stuff through a future job’, people would revolt.  Yet us law students as a whole go through the motions, not questioning anything.  We are taught to question everything; yet we do not.  Why is this?  Perhaps it is time for the students to start writing the ABA and telling them that the system needs to be changed.  It may not do anything; but the people need to know that we, as a class, need to make our views known.  Many are not going to speak out against the system, but some of us should start taking our thoughts directly to them.  Perhaps it is time to be a real Crusader of Justice.

How to get $100,000.00 in debt

Go to law school. Actually, first graduate high school. Enroll in a university and take general studies. Rack up some debt by getting a student loan, signing up for a few first-time credit cards, and make sure that you have all the good things in life - bikes, holidays, weekend trips, climbing gear, cool duds, some coyboy boots for the Calgary Stampede. You know, all the essentials. Limit summer working so that you can go on language exchange programs and such. Graduate with a B.A. or B.Sc. Spend a bunch of time and money preparing to take the LSAT. Spend a bunch of time and money preparing your law school applications. Get accepted.

Next, show up on your first day, and start shelling out dough for textbooks and tuition. Don't forget that differential fee. Plead for a bursary. Get turned down.

Spend umpteen hours reading for 100% exams during your first year. Forget about part-time work. You don't have time.

Spend umpteen hours writing essays and preparing for more 100% exams in your 2L and 3L years. Forget summer jobs - you are too busy applying for articling positions.

Buy some good suits for your articling interviews. You'll need more than one - you don't want to wear the same one to a second or third interview!

Spend most of your hard earned dough during your articling year on more suits, sushi and steak lunches with senior associates and partners, and bribes.

There you have it. At least $100,000.00 in debt.

My experience wasn't exactly as described above. But, it was definitely along the same pathway. Be careful out there. Debt can enslave you. It doesn't have to be this way.

Law School Debt

Ok - time to fess up. Debt is killing me! I think I have posted here about student debt before, and I know that I talk about it a bit in my book. But, I think it is time for a dose of reality - both for myself and for my readers.

I have racked up about $95,000.00 in debt because of my choice to become a lawyer. How? Well, I carried about $24K of student loans into law school. I then racked up about another $18K of student loans during law school, and about $17K of a student line of credit. Of course, we also racked up some credit card debt during law school, and during my article, and during my first year of practice.

Luckily, I was able to receive a number of grants, bursaries and scholarships to pay for my expenses during law school.

A debt like mine is not unusual for law graduates. Many will build up debts in excess of $100K before entering their articling year. Some will add to that debt during their articling year because of a low salary.

I have been living in semi-denial for about a year now. Suffice it to say, starting up a law practice cannot be done for free. And suffice it to say, the money does not start rolling in on day one.

But, now is the time to face reality head on.

Here's the deal: I have started a blog called The Debt Elimination Game. It is an open door look at my personal debt. It is a confession of sorts. It is an opportunity to make myself accountable and to face the problem head on. The truth is that it is a problem - a big one.

The reason I have been able to face this problem is that for the first time in my adult life, I feel like I am in a place where I can actually service my student debt. I am finally making a decent salary.

Many people in my position might want to extend the period over which they service their debt. But, when I had a close look at the situation, I realized that I am paying about $1,000 per month to pay minimum payments on all of my debts. I am paying almost half of that $1000 in interest. It's killing me. And that is with interest relief on my Canada student loans.

Like everything in my life, I am taking on a really big bite. I have made a personal goal (in conjunction with my spouse) to pay off all of my debts, save my mortgage, in 18 months. That's $95K in 18 months. Ludicrous? I don't know. I really think that I can do it.

I am hoping that as the story unfolds, I can learn a lot, and perhaps pass it along to current and graduated law students - to help them avoid the debt, and then to tackle it.

Debt is a major problem for many graduating students. Debt can be crippling. It can be depressing. It can be debilitating and limiting. It can limit your options dramatically. It can trap you into a lifestyle that you don't enjoy, with little hope of escape.

Join me as I take on the next chapter in my quest to become the best lawyer that I can be, the best person that I can be. Join me in the Debt Elimination Game.