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哥伦比亚大学会为国际学生提供贷款担保吗?

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11#
发表于 2016-4-26 22:51:29 | 只看该作者
shluisalu 发表于 2016-4-26 17:23
我不知道你是不是已经开始申请了,先要提出申请(貌似2年的项目只能一年一年单独申请,所以我只先申请了 ...

did you talk to pu dong development bank?  i heard they have some very flexible personal loan terms, may worth a try.  if taking a private loan is the last resort for you, find every refinancing opportunity when you get here.

columbia MBA is a very expensive overall package when you price in all the social and traveling expenses with your classmates.  for 2 years you may be looking at a total of $220+k based on the current numbers, just to be modest.

and there's risk for the rates to go up in the next two years when you have no earning powers in school.  as a reference, avg. libor in 2005 was 3.5% and 2007 was 5.5%.  do the math in excel to see for yourself how that will impact your interest payments.

and no one can foresee what's happening in another 2 years.  in 2006 the market was at its peak, but the class of 2008 MBAs probably worst regretted their decisions to go back to school in 2006.

by no means i am trying to scare you or discourage you.  MBA is a big investment and how to finance it is a big question for many of us.  you may take this as your first challenge into the real world.  i'm just thinking your should consider all possible solutions before going to the private lender.  it's a bloody robbery!
12#
发表于 2016-4-27 09:36:40 | 只看该作者
gordonmwu 发表于 2016-4-26 22:51
did you talk to pu dong development bank?  i heard they have some very flexible personal loan term ...

多谢,明天我再去浦发银行问一下。我也没想到Libor每年是在涨的,之前功课做得的确不够。不过我不是录取哥伦比亚的,我录取一家加拿大的学校,正好Prodigy也提供贷款给这个学校,所以我就申请了。本身学费很低,所以我也没算的很仔细。多谢提醒
13#
 楼主| 发表于 2016-4-27 15:58:20 | 只看该作者
sandy2008688 发表于 2016-4-26 15:57
哦哦,谢谢~~不知道方便说一下是什么conditional呢?是不是提供类似于读书前的工资单之类的啊? ...

谢谢!真的很详尽啊~~
14#
发表于 2016-11-16 09:40:15 | 只看该作者
shluisalu 发表于 2016-4-26 17:23
我不知道你是不是已经开始申请了,先要提出申请(貌似2年的项目只能一年一年单独申请,所以我只先申请了 ...

你好!你的讲诉很详细。可是学校都说的是无息贷款,为什么十年后多还,是time value of money吗那一部分多的。如果我第二年就还了会有那么多吗?谢谢。
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