University of Maryland Francis King Carey School of Law

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1 University of Maryland Francis King Carey School of Law

2 What we are doing Pre Law School Provide one on one or family budgeting/financial counseling by appointment or on a walk in basis. In School Provide budgeting/financial aid counseling by appointment or on a walk in basis to discuss: Financial aid, budgeting, scholarships, bar loan information and loanrepayment options Host financial workshops covering: Credit, PSLF and income based repayment options Post Law School Provide counseling via phone or by appointment to discuss: Loan repayment options, PSLF, and Loan repayment assistance programs

3 Possible areas to cover during counseling How much will a legal education cost? What financial aid resources are available? What is the financial aid process at UM? How much should a student borrow? What does a student need to do to get financially What does a student need to do to get financially prepared?

4 Potential ti lcosts Items UM Law Students Costs* LSAT Registration $ LSDAS (Credential Assembly Service) [$160 + ($12/school * 6 schools)] $ School application fee(s) [$70/school * 6 schools] $420 - $700 Guide books $25 - $50 LSAT preparation $200 - $2000 School visits (air/train, gas, lodging, meals, etc.) $80 - $200 Tuition deposit(s) $750 Moving expenses (trailer/van, housing deposit, etc.) $0 - $1000 Totals $ $4825 *Surveyed random current UM Law students.

5 LOANS Federal Loans Unsubsidized Stafford Non need based/guaranteed Grad Plus Non need based/credit based Perkins Need based/limited Alternative/Private Family FREE MONEY Grants University Statet Delegate Senatorial Scholarships Leadership/Law School Outside Sources Online scholarship databases Faith based venues Various legal associations Federal Work study

6 The FAFSA, (Free Application for Federal Student Aid) All students seeking loans, scholarships or work-study Award package preparation Based on residency, housing choice and EFC (Expected Family Contribution) Award is sent electronically to student Incoming students who have filed by the March 1 st deadline can expect offers late March/ early April (before seat deposit) Accept or decline award online Apply for loans Select a lender or continue with a prior lender Federal Government (Direct Loans) Private Loan Communicate

7 Allowable Expenses Tuition & Fees ($ $1742 resident) ($ $1742 non-resident) Books & Supplies ($1725) Housing, Food & Misc expenses ($14000-$19350) Transportation ($2000) Health Insurance ($3486) Federal loan fees (1% of Unsubsidized Loan and/or 4% of Grad Plus) One-time computer allowance [1 st years] ($2000)

8 Award Package By Aid Year: Housing Status Off Campus Expected Enrollment Status Full-Time Cost of Attendance Component Amount Books and Supplies $1, Board exam fees $0 Fees $1, Hospitalization Insurance $3, Malpractice Insurance Room and Board $19, Transportation $2, Tuition $25, Financial Aid Award (sample 1st yr day) Fund Status Fall 2013 Spring 2014 Total LW/Federal Direct Loan LW/Federal Direct Grad Plus Loan Accepted $10, $10, $20, Accepted $16, $16, $33, Total $26, $26, $53, Total: $53, University of Maryland Francis King Carey School of Law Financial Aid

9 Steps students should follow Calculate future budget Estimateborrowing needs Determine if you can afford to repay their estimated debt Adjust budget and planned borrowing, as needed

10 Class of 2012 UM Carey Law Schools Average total student loan borrowing $122,349 Estimated capitalized interest $11,990 Estimated total debt at repayment $134,339 Estimated monthly loan payment standard 10yrs $1,560 Estimated monthly loan payment IBR 25yrs* $535 Staffords/Direct - Assumptions: 68% 6.8% Direct Grad Plus - 7.9% * Assuming single with an annual salary of $60K

11 Pay down debt Save money Determine monthly budget Organize records Review credit report(s) Equifax.com Experian.com Transunion.com

12 Post Law School Costs Bar exam prep Bar exam Living expenses during the bar

13

14 Preparing the Foundation 1L Required Courses Electives Advanced Legal Writing Advanced Legal Research Legal Profession

15 Strengthening the Foundation Bar related Courses Tracks and Certificates Business Law Track: Health Law Certificate: Environmental Law Certificate: Academic Advising

16 Developing Professional Skills Experiential Learning (http://www.law.umaryland.edu/academics/practice/) Cardin Requirement and Clinics Externships Drafting Courses (ex. Writing in Law Practice Courses) Simulation Courses Pro Bono Service Opportunities

17 Career Development

18 Focus: Before, During & After Law School Graduation Managing Law Student Expectations of Employment Possibilities Employment Outcomes & Legal Job Market

19 Managing g Expectations: pre law candidates The CareerDevelopment Office (CDO) is actively involved in Admissions recruiting. CDOandotherstudent servicesofficesshareinput share input onmessaging to prospective and admitted students. We are transparent in reporting law graduate employment outcomes and salaries, and we also provide comparative data on national law graduate employment on the law school website and in communications to prospective and enrolled students. We also report graduate employment outcomes to the ABA, NALP, U.S. News & World Report and other reporting entities.

20 Managing Expectations: law students Starting in the first year: Introduction to the CDO, job search process, employment sectors, relationship building : Incoming student orientation and 1L Section lunches Orientation to the CDO & Resume Workshops, Job Search Guide Handson individual counseling with assigned career counselors Alumni Student Mentoring Program Summer Job Workshops Career Exploration Fair, career panels Orientation to Fall Recruitment (OCI) Small Firm Week Government Honor Programs and Public Service Week Judicial clerkship & internship panels, court visits Judicial Clerkship outreach &faculty advisory committee Pro bono Training i with PBRC and local lpractitioners Alternative careers for attorneys presentation PD skills curriculum: includes cover letter workshop, mock interview programs,interviewing skills, networking workshops, negotiation skills for new attorneys, legal writing for law practice conducted

21 Employment Outcomes Generation of job opportunities Year round recruitment: CDO conducts and sponsors on campus and regional interview programs; sponsors 18 plus local, regional and national job fairs; online job bank Employer development & outreach CDO counselors make more than 50 employer visits per year

22 Employment Outcomes Class of 2012 Total Employed 9 months after Graduation: 91.23% Employment tsectors Private Practice:26.65% Judicial Clerkships: 18.81% Business & Industry: 16.3% Government: 14.42% Public Interest: 9.1% Academia: 5.64% Types of Employment Geographic Locations MD: 66%, DC: 16% Outside MD/DC: 18%

23 Employment Outcomes Types of Employment Bar passage required: Total: 63% JD Advantage positions: Total: 19.4% Other Professional positions: 8.78% Sampling of Job Titles Associate Patent attorney Staff attorney Solo practitioner Public policy associate Legislative director Regulatory compliance officer Program manager Logistics analyst Homicide detective

24 Legal Market Counseling and outreach to recent graduates Job search experiences of current graduates JD Apprentice Program & Solo Incubator

25 Legal Market: hiring trends & recent experience Pi Private Practice Summer associate hiring has dwindled; many law firms have drastically reduced summer associate class sizes Many larger firms are reducing starting salaries from $160K and $140K to $125K More Baltimore firms are eliminating summer programs Increased competition for fewer summer positions has prompted many of ourhighly credentialed students to seek jobs inwashington, DC, NYC and other larger job markets Some mid sized Baltimore firms are replacing 2L hiring with 1L summer programs (with no commitment to hire students for future openings)

26 Legal Market: hiring trends & recent experience Public Service/Sector Government Honor Programs are either completely going away, losing funding or hiring significantly fewer law students and graduates. Paid federal government internships (which impact candidacy for post graduate employment) are decreasing more each year. More Public Defender and State Prosecutor Offices have adopted elite recruitment policies that focus hiring on graduates from elite schools. Maryland courts are paying judicial clerks at significantly lower rates compared with other state courts. More federal judges are requesting pro bono law clerks at the federal level Both Sectors Nationally, 1 in 7 graduates entered JD Advantage jobs; the rate has nearly doubled in 10 years.

27 ADMISSIONS

28 Application Cycle Nationally, applications were down 12.3% from previous year and down 32% from the high of three years ago At Maryland, applications were down 21% from previous year and down 28% from three years ago

29 Enrollment Nationally, first year enrollment is down 11% from the previous year and down 24% from the historic high enrollment in fall 2010 At Maryland, we have decreased o first year enrollment to 206 (173 Day, 33 Evening), as compared to 264 the previous year (219 Day, 45 Evening); high enrollment e was 2008 entering class of 306 (232 Day, 74 Evening)

30 173 Day students 33 Evening students st Year Class Median LSAT score: 159 Median GPA: % women 37% students of color 57% Maryland residents 26 US jurisdictions represented 100 undergraduate schools represented

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