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The standard student budget at HLS allows for a moderate standard of living and does not provide an allowance for credit card payments. We strongly encourage you to clear all consumer debt prior to entering law school, even if you must reduce your savings to do so.

While attending law school, you should be especially wary of using credit cards as a substitute for careful budgeting. A credit card can come in handy as a convenient way to pay a bill or manage cash flow, but it is important not to rely on credit cards as a “bail out” for overspending. Wise credit card use can help you establish a good credit record, which is generally a factor in obtaining private education loans as a financing option. If you have poor credit, you may find that the most desirable education loan options are not available to you.