I really do not think this kind of background can get into top pe firms, even with Wharton MBA. I am not talking about tiny pe firms in China. LZ should target on IB first for several years and then get to PE.
这个背景想进TOP3有点难,当然you may still have a chance.
Money is not that important, you can get a loan easily if you can get the offer from TOP3.
特别是你想转PE。 没什么大亮点,你要深挖下你的亮点,link your past experiences.