<p>Most third tier toilets in the NYC area cost $45k a year. After you multiply that figure by 3, add in all of the other expenses, like textbooks, school fees, loan interest, etc. At the end of the day, you have a $150,000 law degree. Do you REALLY want to gamble with $150k that you will be able to find a job with a TTT degree? According to the ABA, in order to make your loan payments, you need to make at least $65k a year. But at the NJ Third Tier Toilet School of Law (aka Seton Hall) only half of graduates made that much.</p>