Thank you both. Yeah, I might apply to Yale, but I'm not going to hold my breath over getting in. When I looked into their class profiles a few years back and saw former ambassadors, former peace treaty writers, award-winning novelists, etc. I pretty much realized I didn't stand much of a chance. Even having a perfect LSAT score and 4.0 GPA doesn't guarantee admission - many times they accept people with average LSAT scores (in the 150s) but stellar softs. So applying to Yale Law School is somewhat like buying a lotto ticket (one time) - doesn't hurt to try and you'll be ecstatic if you get accepted, but it's not what you're actually counting on.
One reason I'm particularly interested in Harvard is because of their loan forgiveness program. From what I've heard, the JD side will encompass my M.Div as well. I'm not really planning on going into law to make money. Actually, ten years from now you might find me working in an inner-city somewhere, tutoring troubled teens and delivering food to the homeless while working to get women out of sexual slavery. Who knows! If I practice law, I'd like to do non-profit and pro-bono work that really helps people. So considering that my goals include essentially making no money at all (or at least, not very much), I'm looking for the best way to get my degree(s) without owing anything (or owing as little as possible). Whether I get an M.Div, JD or both, I don't want to be forced to take certain jobs just so I can pay my school loans.