ChaseDream
标题: 【召集】 不需要提供co-sign的student loan 的学校 [打印本页]
作者: 携隐 时间: 2009-12-19 08:57
标题: 【召集】 不需要提供co-sign的student loan 的学校
钱是大问题，为了钱去不成学校就最不值得了。我运气好，上学那会几乎所有top20学校都提供不用co-sign的贷款，不知道经过一场金融危机的洗礼之后现在都怎么样了，我还是觉得会恢复到不用co-sign的状态的，否则每个学校那么多international students怎么办。
坛里肯定很多一年级在校生，大家一起来提供自己学校的信息，给做申请准备的人做个参考吧。
我先来：
学校：Ross (University of Michigan)
不需要co-sign就可以贷款。具体信息见链接：
http://www.bus.umich.edu/Admissions/FinancialAid/NoCoSignLoan.htm
作者: 携隐 时间: 2009-12-19 08:57
二楼保留整理信息。
谢谢大家啦。
作者: ziye210 时间: 2009-12-19 09:02
非常感谢携隐的信息。希望朋友们都来加这个名单。
作者: steven 时间: 2009-12-19 10:16
携隐帖子必顶
作者: songxia 时间: 2009-12-19 10:22
正需要这方面的信息，太感谢携隐啦！
作者: kdream 时间: 2009-12-19 10:43
很多不需要co-signer的贷款利息都很高。。不知道有多少人真的去贷
作者: vivi72 时间: 2009-12-19 10:45
我share一下我collect的信息吧
1) Harvard, Stanford, Wharton当然有
2) NYU，在上海MBA Tour Fair上问招生的MM，限额是$40K/year
3) Darden, On April 14th, Darden Director of Admissions Sara Neher announced that her office has successfully negotiated a new no-cosigner loan program for international students. Details of the program, which have not been shared publicly, have been sent directly to admitted international students, Neher reported.
4) Duke，听info session，可贷到学费+生活费
5) Haas， Modeled on the Federal Direct Loan, the new loan program will provide loans of up to $20,000 a year with an interest rate of 6.8 percent, repayable over ten years. No interest will accrue while loan recipients are in enrolled in the MBA program, and there will be a six-month post-graduation grace period for repayment.
6) Sloan, The loan features an aggregate limit of up to $170,000 and carries a variable interest rate of prime plus 2.75 percent.
7) Tuck, 要写额外的东西
8) Yale, The maximum annual amount of the new loan program is $49,945 for the Class of 2011. The loans carry a fixed interest rate of 7.75 percent.
9) Cornell，今天收到邮件通知，可以有无担保贷款，限额是学费-奖学金
10) Simon，很早就有邮件通知，但没说限额
作者: songxia 时间: 2009-12-19 10:51
这些no-cosigner loan，要求财产抵押之类的么？只要有该学校的offer就可以申请吗？
作者: citibear 时间: 2009-12-19 11:27
这个要支持。谢谢提供的信息，对还在申请的人很有用
作者: dingxiang 时间: 2009-12-19 11:30
弱问， 国内银行可以贷款不？ 利息大概多少呢？
美国现在的利息貌似是10左右啊
作者: driftysnail 时间: 2009-12-19 11:31
Darden：no cosingers required and the loan can cover full tuition and living expense (i think it's up to $72,000 a year).
The rate is Prime (3.25% this year) + 4%. The loan provider is a local bank backed by University of Virginia. So dont worry about it.
作者: gzeric 时间: 2009-12-19 12:10
我是Ross 2011 MBA. Ross今年(2009)的贷款为UMCU(密歇根大学信用社)提供。无需担保，利息是浮息Prime+1.5%(有co-signor还可以减50bps，但基于一年70k本金，意义不是很大), floor是4.5%, cap是11%，利息在学业期间递延，毕业后还（20年还清）。一般都可以贷到70k/year。这是我所知最优惠的贷款了。我们很多同学都贷了无担保的贷款。
另外印象中Duke09年入学贷款的利息是Base+10%。（如果不准确请纠正）
以上数据凭个人记忆，准确数据请咨询校方。
作者: mhe2 时间: 2009-12-19 12:11
必须顶
作者: MarilynR 时间: 2009-12-19 14:41
这个帖子好！谢谢携隐班班
作者: tgif2008 时间: 2009-12-19 15:32
...
作者: shuxuehai 时间: 2009-12-19 16:09
看了tuck的主页，好象不要co-signer的贷款的利率最少貌似是8.5%，好贵啊。。。希望中国的银行或者是法国的银行可以贷款。（我知道的法国银行贷款给INSEAD可是2.9%，而且还可以negotiate...）
作者: 携隐 时间: 2009-12-19 16:41
很多不需要co-signer的贷款利息都很高。。不知道有多少人真的去贷
-- by 会员 kdream (2009/12/19 10:43:57)
其实no co-sign的贷款不一定比co-sign的高的，要case by case看每个loan的条件。我当初贷的没有co-sign但是条件是所有贷款里最好的，比natives拿到的还要优（貌似当时是国际学生的待遇最好）。现在我的利率是3%。
作者: 携隐 时间: 2009-12-19 16:42
这些no-cosigner loan，要求财产抵押之类的么？只要有该学校的offer就可以申请吗？
-- by 会员 songxia (2009/12/19 10:51:20)
绝大部分不需要，有offer就行。
作者: duffercn 时间: 2009-12-19 16:45
这个我要顶，否则自己用的时候找不到了。谢谢！
作者: ztztzt 时间: 2009-12-19 17:12
多谢携隐mm的帖子，信息非常丰富，非常有帮助！
此外，我在考虑，如果不幸被一所需要cosigner的学校录取了(比如哥伦比亚大学)，该怎么筹集学费呢？家里没钱也没资产做抵押，不知道国内外是否有银行能针对这样的人提供免担保贷款。。目前国内花旗银行现贷派可以免抵押贷款到50万，但还款期限貌似很短，而且也没有grace period
作者: 携隐 时间: 2009-12-20 10:41
多谢携隐mm的帖子，信息非常丰富，非常有帮助！
此外，我在考虑，如果不幸被一所需要cosigner的学校录取了(比如哥伦比亚大学)，该怎么筹集学费呢？家里没钱也没资产做抵押，不知道国内外是否有银行能针对这样的人提供免担保贷款。。目前国内花旗银行现贷派可以免抵押贷款到50万，但还款期限貌似很短，而且也没有grace period
-- by 会员 ztztzt (2009/12/19 17:12:09)
还款期限短什么的倒还没关系，毕业5年硬要还的话也还得上了吧。
如果哥大真的没有co-sign，呼吁今年录取的同学都去跟学校反映这个问题。offer在手是最有谈判筹码的时候。如果人数够多，学校一定会慎重考虑的。
作者: shappy123 时间: 2009-12-20 11:07
好贴 顶一下
请问UNC今年有no-consigner的贷款吗？
作者: Doer 时间: 2009-12-20 11:44
Eric?? Nice to see you here.
一年可以贷到7万，真的很多。谢谢信息。
我是Ross 2011 MBA. Ross今年(2009)的贷款为UMCU(密歇根大学信用社)提供。无需担保，利息是浮息Prime+1.5%(有co-signor还可以减50bps，但基于一年70k本金，意义不是很大), floor是4.5%, cap是11%，利息在学业期间递延，毕业后还（20年还清）。一般都可以贷到70k/year。这是我所知最优惠的贷款了。我们很多同学都贷了无担保的贷款。
另外印象中Duke09年入学贷款的利息是Base+10%。（如果不准确请纠正）
以上数据凭个人记忆，准确数据请咨询校方。
-- by 会员 gzeric (2009/12/19 12:10:59)
作者: Yifan2010 时间: 2009-12-20 13:35
....我知道都很难，基本都要担保，或者国内房产抵押。
作者: zhupp 时间: 2009-12-20 13:49
携隐lz能不能透露一下你是怎么拿到3%利率的loan的呀？真是很优的利率阿，现在这个环境下可能找不到这么低的了。
作者: ztztzt 时间: 2009-12-20 14:07
....我知道都很难，基本都要担保，或者国内房产抵押。
-- by 会员 Yifan2010 (2009/12/20 13:35:31)
yifan2010，你的wharton怎么样了？
作者: hagendaz 时间: 2009-12-20 14:11
columbia, 我在面试的时候问adcom，是明确没有，学校也不会想其他办法。
问过去年的学生，说大部分中国学生都是用family or self saving或在国内做抵押贷款。
哎...
作者: michelleho 时间: 2009-12-20 14:14
3%确实很低，别的不需要co-sign的loan少也要有6-7%的
作者: aspirant2010 时间: 2009-12-20 14:16
也可以搜集一下确定没有loan的学校。Columbia没有
感谢上面的vivi。不过NYU我记得上限是20k/year？40k是两年的最高额
作者: hittite 时间: 2009-12-20 21:53
UNC应该还在finalize有没有no co-signer loan，结果会在1月初知道。这是admission letter里面讲的。
作者: grandmoon 时间: 2009-12-20 22:01
000
作者: 携隐 时间: 2009-12-21 00:51
携隐lz能不能透露一下你是怎么拿到3%利率的loan的呀？真是很优的利率阿，现在这个环境下可能找不到这么低的了。
-- by 会员 zhupp (2009/12/20 13:49:51)
我只是运气好碰到好年头。我入学的时候每个贷款的国际学生拿到的都是这个条件，prime rate。当时比过所有学校的Michigan的贷款条件最优，不过当时最高只能贷5万4一年。然后毕业美国一直降息，就变成3%了。
作者: zhupp 时间: 2009-12-21 01:00
谢谢携隐，我们现在的prime rate 大概都是5左右，虽然不是最好，但是也不算高，加上就几万的贷款，应该差别也不大。不过既然我在美国，还是会shop around。其实美国的贷款有很多option，很多local的小银行给的条件也很优厚。如果有啥发现，我会上来update，谢谢携隐
作者: MarilynR 时间: 2009-12-22 15:34
强帖一定要顶 
作者: dingxiang 时间: 2009-12-22 16:08
上他家网站看了， 不提供国际学生贷款，建议的是学生自己在本国解决。
不过他家学费是够便宜的
补充，madison提供，貌似包含生活费。且学费巨低。一般提供奖学金，可cover学费加生活费。没什么成本。
地产投资方向很好，就业也不错。适合不想投入成本、对排名无太高要求的同学。
-- by 会员 grandmoon (2009/12/20 22:01:18)
作者: Doer 时间: 2009-12-30 02:06
有什么发现别忘了来说一声。我也在美国，有绿卡是否可以带联邦贷款，利率会低一点。
谢谢携隐，我们现在的prime rate 大概都是5左右，虽然不是最好，但是也不算高，加上就几万的贷款，应该差别也不大。不过既然我在美国，还是会shop around。其实美国的贷款有很多option，很多local的小银行给的条件也很优厚。如果有啥发现，我会上来update，谢谢携隐
-- by 会员 zhupp (2009/12/21 1:00:47)
作者: tigermba 时间: 2009-12-30 10:16
會樓上，如果是PR或者CITIZEN是可以申請federal loan的，最高是每年的學費加生活費（假設申請了FAFSA但學校沒有任何free money和scholarship給你的情況下），對每個人也有個maxinum的名額，至于利息，就要看fafsa的網頁的了，前陣子查過，不底不高，可以接受的。
作者: zhupp 时间: 2009-12-30 10:26
回doer，关于贷款我没有啥update，不过最近做research 发现了一些省税的办法，
具体看这个bw的文章
http://www.businessweek.com/bschools/content/dec2009/bs20091217_144039.htm
里面最有用的是529 plan，可以存税前的钱进去，用这些钱来付学费，是不用再交税，也没有penalty，可以用于子女的教育，也可以用于自己的higher education cost。每年存钱的上限是6万5。（可能每个州不一样）。
这些tax benefit适用于再美国有收入，有ssn的人！现在离开学还有半年，现在开始存钱进去还来的及，具体开账户的手续可以咨询fidelity。
希望对大家有用！！
作者: majiang 时间: 2009-12-30 11:22
Here is what I got from ClearAdmit. Hope it helps
Schools with No-Cosigner Loan Programs in Place
? Darden School of Business at the University of Virginia at Charlottesville: On April 14th, Darden Director of Admissions Sara Neher announced that her office has successfully negotiated a new no-cosigner loan program for international students. Details of the program, which have not been shared publicly, have been sent directly to admitted international students, Neher reported.
? Fuqua School of Business at Duke University: On May 11th, Fuqua announced on its website that international students will be able to secure loans for their studies at Fuqua without the need for a U.S. cosigner. “We have a solution in hand that will meet students’ needs, with terms similar to those offered for the current academic year,” according to the website. To date, details and terms of that program have not been shared publicly.
? Haas School of Business at the University of California at Berkeley: The Haas School has created a new Berkeley MBA Student Loan Program, which will provide no-cosigner loans for U.S. and international students in the full-time MBA program at Berkeley. Modeled on the Federal Direct Loan, the new loan program will provide loans of up to $20,000 a year with an interest rate of 6.8 percent, repayable over ten years. No interest will accrue while loan recipients are in enrolled in the MBA program, and there will be a six-month post-graduation grace period for repayment.
? Harvard Business School: On April 15th, Harvard University announced a new partnership with the Harvard University Credit Union to provide private educational loans that don’t require a U.S. cosigner to its international students, including MBA students at HBS. Specific terms and details of the loan program have yet to be announced.
? Stern School of Business at New York University: According to the NYU Stern Financial Aid website, there are currently two loan programs for international students that do NOT require a U.S. cosigner. NYU currently has a program for eligible borrowers through JPMC and a program with Global Student Loan Corporation.
? Ross School of Business at the University of Michigan at Ann Arbor: The Ross School of Business has partnered with the University of Michigan Credit Union to create the RSB-UMCU International Student Loan Program, which provides no-cosigner loans up to the cost of attendance to all international students enrolled in or admitted to any graduate programs at Ross for 2009-10 and 2010-11. The variable-interest loans feature no origination fee, a rate of prime plus 1.75 percent, a floor of 4.5 percent and a rate cap of 18 percent adjusted quarterly. (Borrowers with a qualified U.S. cosigner can receive an additional 0.5 percent discount.) The loans feature a 20-year repayment period with a six-month post-graduation grace period. The RSC-UMCU loan application will be available in early July 2009.
? Sloan School of Business at the Massachusetts Institute of Technology: Through a partnership with the MIT Federal Credit Union, Sloan offers its international students a custom credit-based alternative loan that does not require a U.S. cosigner. The loan features an aggregate limit of up to $170,000 and carries a variable interest rate of prime plus 2.75 percent. (International students with a U.S. cosigner will receive a 0.5 percent rate reduction.) The loan’s interest rate varies quarterly and has a rate floor of 5.50 percent and a rate cap of 18 percent. Students have up to 25 years to repay depending on the loan balance, and repayment begins six months after graduation.
? Stanford Graduate School of Business: According to the Stanford GSB website, the school has partnered with the Stanford Federal Credit Union (SFCU) and Citibank to provide private educational loans to international business school students that do not require a U.S. cosigner. As of this writing, no additional details about the loan program are available.
? Tuck School of Business at Dartmouth College: In early May, Tuck sent an email to international applicants for the Class of 2011 announcing a new self-funded loan program for international students that doesn’t require a cosigner. According to a Tuck spokesperson, the school is still in the process of working out some of the details of the program with Dartmouth, including the interest rate.
? University of Chicago Booth School of Business: On April 14th, Chicago Booth announced a new loan program through JPMorgan Chase that will provide financing for qualified international students who aren’t eligible for federal loans and who cannot qualify for standard private loans because they don’t have a U.S. co-signer. The loans will cover amounts up to the total cost of attendance less any scholarship aid received and will feature set terms due to the continuing volatility of the market. The terms of the loans will be communicated later this spring, and the new loan program will officially launch in late May.
? Wharton School at the University of Pennsylvania: On April 9th, Wharton announced the creation of a custom loan program with Digital Federal Credit Union to cover tuition and living expenses for international students without a U.S. cosigner requirement. The new loans will carry an interest rate of prime plus 3 percent, and borrowers can reduce the rate 25 basis points farther by arranging for automatic repayments. To provide these rates, Wharton has agreed to share some of the potential default risk with the lender.
? Yale School of Management: On March 12th, Yale SOM announced a new self-funded loan program for international students with no U.S. cosigner requirement. The maximum annual amount of the new loan program is $49,945 for the Class of 2011 – equivalent to tuition and fees for the academic year – minus any scholarship awarded. The loans carry a fixed interest rate of 7.75 percent. Students have 10 years to repay the loans but make no payments while enrolled and have a six-month grace period after enrollment ends to begin repayment.
Schools With Loan Programs Requiring Co-Signers
? Anderson School of Business at the University of California at Los Angeles: According to posts on the Anderson MBA Insider’s Blog on April 29th, the UC system is searching for alternative loan options for international students that don’t require a U.S. cosigner, but Anderson does not yet have anything in place for the 2009-10 academic year. Queries to Anderson’s communications office regarding any updates received no reply.
? Columbia Business School: According to the CBS website, loans for international students without a U.S. co-signer are currently not available. “Most international students rely on family funds, personal savings, government or company sponsorships and/pr loans secured in their home countries,” the website reads. CBS spokesperson Sona Rai confirmed on May 8th that the above information is accurate and up to date.
? Johnson School of Business at Cornell University: According to the school’s website, the only U.S. loan option available to international students is with a credit-worthy U.S. citizen cosigner or U.S. permanent resident cosigner. “The Johnson School is currently investigating loan options for international students without a U.S. cosigner and will provide information as it evolves,” the website reads. Queries to the school spokesperson regarding any new information received no reply.
? Kellogg School of Management at Northwestern University: International students at Kellogg are eligible for the NU International Loan Program, which offers two cosigner options. Option A, which requires a credit-worthy U.S. citizen or permanent resident cosigner (spouse cannot act as cosigner), features no origination fee and a current interest rate for the 2008-9 academic year of 7.50 percent. Option B has no citizenship/residency requirement for the student or cosigner, but international students are required to have a family member included as a cosigner (parent, guardian, or relative; spouse cannot act as co-signer). Interest for both options is variable annually and set by the university, September 1st through August 31st. Kellogg spokesperson Meg Washburn confirmed on May 8th that the above information is current and accurate.
作者: eling820 时间: 2009-12-30 20:12
哪位知道USC loan的情况啊？
作者: WaterWalker 时间: 2009-12-31 04:02
回doer，关于贷款我没有啥update，不过最近做research 发现了一些省税的办法，
具体看这个bw的文章
http://www.businessweek.com/bschools/content/dec2009/bs20091217_144039.htm
里面最有用的是529 plan，可以存税前的钱进去，用这些钱来付学费，是不用再交税，也没有penalty，可以用于子女的教育，也可以用于自己的higher education cost。每年存钱的上限是6万5。（可能每个州不一样）。
这些tax benefit适用于再美国有收入，有ssn的人！现在离开学还有半年，现在开始存钱进去还来的及，具体开账户的手续可以咨询fidelity。
希望对大家有用！！
-- by 会员 zhupp (2009/12/30 10:26:44)
还有一个办法可以把401K转入到IRA，然后IRA来付学费，这样不用付early withdraw的fine，也不用付税，缺点当然就是把养老金用了。但是这个是一大笔钱，应该是平衡得过来的。
作者: zhupp 时间: 2009-12-31 04:11
谢谢waterwalker~401k用了以后慢慢存吧，离退休还早呢~
作者: WaterWalker 时间: 2009-12-31 05:00
zhupp，不客气，我正准备投Yale呢，恭喜你拿到offer！你还有什么学校啊？我主要申请都在第二轮了，第一轮没两个，实在来不及。。。。。。。主要是老板。
作者: zhupp 时间: 2009-12-31 05:27
waterwalker.我申请的差不多了,第二轮会投两个top3 试一下水~
I want my life back~你加油!!
作者: WaterWalker 时间: 2009-12-31 06:15
wow，祝你成功！
作者: caopp 时间: 2009-12-31 07:47
还有一个办法可以把401K转入到IRA，然后IRA来付学费，这样不用付early withdraw的fine，也不用付税，缺点当然就是把养老金用了。但是这个是一大笔钱，应该是平衡得过来的。
-- by 会员 WaterWalker (2009/12/31 4:02:59)
这个方法不错，谢谢分享
作者: finalec27 时间: 2010-1-4 15:34
这贴要mark~
作者: applehao 时间: 2010-1-9 18:53
http://www.kenan-flagler.unc.edu/Programs/MBA/Tuition/aid.cfm
UNC也提供无担保学生贷款。
作者: moonwalker 时间: 2010-1-21 13:06
哦，不错啊。。。
作者: jingqiun1 时间: 2010-3-20 17:23
这个帖子好呀，一定要做个标记
到时候方便找
作者: starhmx 时间: 2010-4-9 22:02
谢谢携隐！好贴
作者: tanht 时间: 2010-4-9 22:31
感谢携隐MM,目前我也对这个问题相当的纠结,比较不是小钱,一般孩子家里也没有这么大把的银子.关于国内贷款,中行现在办理出国留学,但也是要抵押的,,没有那么好的条件.另外有个问题想请教一下,如果拿到了这些OFFFER,申请这些no-cosigner loan的成功性有多大,100%还是说比较少,是不是有些现实的数字,当然这些贷款机构会对你评估,那么他们也会参考申请者在国内的信用情况吗,一般这些信用情况是个人隐私吧,他们也不可能去央行的信息系统要吧?疑惑
作者: 携隐 时间: 2010-4-10 00:17
感谢携隐MM,目前我也对这个问题相当的纠结,比较不是小钱,一般孩子家里也没有这么大把的银子.关于国内贷款,中行现在办理出国留学,但也是要抵押的,,没有那么好的条件.另外有个问题想请教一下,如果拿到了这些OFFFER,申请这些no-cosigner loan的成功性有多大,100%还是说比较少,是不是有些现实的数字,当然这些贷款机构会对你评估,那么他们也会参考申请者在国内的信用情况吗,一般这些信用情况是个人隐私吧,他们也不可能去央行的信息系统要吧?疑惑
-- by 会员 tanht (2010/4/9 22:31:50)
通过率应该都挺高的。我不知道其他学校，但是Michigan基本上是100%，从来没有听说有任何人拿不到的。
作者: tanht 时间: 2010-4-10 15:28
谢谢携隐！呵呵,谁交俺是穷人家的孩子呢,再次感谢!
作者: landfall 时间: 2010-4-10 16:43
谢谢
作者: asdol 时间: 2010-4-19 00:11
mark,希望来年能用上
作者: cathiejxj 时间: 2010-4-20 01:26
谢谢分享，我准备把401K的钱拿出来了。
作者: teacherkoo 时间: 2010-4-20 14:19
谢谢分享，我准备把401K的钱拿出来了。
-- by 会员 cathiejxj (2010/4/20 1:26:48)
好像看网上说还是要有10%penalty
http://www.accountantforums.com/using-401-k-money-higher-education-tuition-t14736.html
有谁以前有做过吗？
作者: dismiss 时间: 2010-8-9 10:57
mark......
加油啊大家
作者: wanniansong 时间: 2010-8-9 18:45
这个帖子要顶！谢谢，这个对于我们这些在国内还供着房子的爱折腾的房奴来说很重要!
作者: tita 时间: 2010-8-30 18:44
真是好贴！急大家之所急！非常感谢！
作者: klhyy 时间: 2010-8-30 20:35
留着有用
作者: livia2012 时间: 2010-9-2 16:45
谢谢热心肠的携隐啊！
作者: salient 时间: 2010-9-5 00:22
mark以下,先收藏着.
作者: rivay 时间: 2010-9-15 12:51
携隐果然很热心。谢谢啊。
作者: citibear 时间: 2010-12-2 22:45
谢谢 TOP学校的奖学金大概能有多少？
作者: yidiyuehan 时间: 2010-12-3 09:25
恩， 顶下。
作者: 小葱葱 时间: 2011-3-15 15:40
穷人的孩子顶一下～
作者: bigjoe 时间: 2011-3-15 15:51
穷人的孩子顶一下～
-- by 会员 小葱葱 (2011/3/15 15:40:07)
这个每年都会有变化的，大家要密切关注版面信息和学校的主页……
作者: 周游ing 时间: 2011-8-20 16:00
mark一下，很有用
作者: 我爱SAAB 时间: 2011-9-2 14:45
这个要顶！！！慢慢看！
作者: bigjoe 时间: 2011-9-3 04:17
好像没有提到Emory啊
Emory可以提供无担保贷款的，包括学费和生活费。
作者: prajna026 时间: 2011-10-19 14:50
Thanks for sharing!
作者: alwaysying 时间: 2012-10-19 10:40
请问这个贷款只要申请就可以了吗？还需要提供什么其他的家庭财产信息或者抵押吗？谢谢了
作者: akedi 时间: 2013-1-22 17:45
多谢楼主 大好人！ 我正迷茫这事儿呢
作者: Aadreey 时间: 2013-7-31 11:28
很有用，收藏。
作者: ssk3666 时间: 2013-7-31 11:48
很有用的帖子，收藏了。估计现在学校的信息也有所变化吧
作者: youtiao1989 时间: 2013-10-22 15:51
作者: yyking625 时间: 2015-8-24 17:19
加拿大的学校，可否多分享一些呀。
作者: laoguo666 时间: 2016-10-21 08:50
Mark
作者: ann_huanhuan 时间: 2018-1-25 13:40
m
作者: 夜舞不跳舞 时间: 2018-1-25 13:44
Emory也有不需要co-sign的loan我上周看了一下汇率大概是7.5%左右，两年上限10w美元貌似
作者: 江江江江江小艳 时间: 2018-5-31 00:50
感谢楼主分享~~~
作者: destinymoc 时间: 2018-12-1 18:49
感谢分享！
作者: Alisonhym 时间: 2018-12-20 12:23
m
作者: jing0123 时间: 2019-7-3 11:54
感谢分享！
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