In @ Ross and Owen

gracie27

R2 申请的，刚刚接到Ross的录取电话，好开心。上周收到Vandy 的 offer ($35,000/year).

背景：UG GPA 3.5，Master GPA overall 是一个B。GMAT770， TOEFL：110。 令众多Admission Committee 厌烦的四大（Tax/Transfer Pricing） 5年。


因为本人在美国F2, 选择的是on-campus interview。好喜欢Ross的新楼和老师，还有它的grade non-disclosure policy.  但是Vandy 的 staff 包括 Dean 都相当nice. 老公陪我去visit Vandy的时侯，Dean还给我老公递名片，说如果我老公转学需要帮忙可以找他。

现在好矛盾，不知道选哪里了。如果选择 Michigan担心老公没法转去，以及费用太高。选择Vandy的话则担心将来找工作可能困难点。怎么办好呢？？？

gracie27

不过州内学费和州外学费的差距也不大，基本可以忽略不计

Ambro09

刚查了一下FAQ，好像不一定行。。。
http://www.bus.umich.edu/studentlife/faq.htm

Q: Can I qualify for in-state tuition if I've been living outside Michigan? Can I qualify
after I've been at Michigan for a year?
A: In a nutshell, no. One key question for in-state tuition status determination purposes is
whether you intend to stay in Michigan (in other words, establish "domicile" in Michigan)
after you finish Michigan's Ross School of Business. The burden (by "clear and convincing"
evidence -- meaning with great certainty) will be on you to prove that you will hang around
after you graduate, and the fact that you will have arrived in the State of Michigan
coincident with the start of school will make your case subject to extra scrutiny and
suspicion. If you can't prove that you came to the State of Michigan for a reason other than
to attend Michigan's Ross School of Business, you'll be classified as a non-resident (for
tuition rate purposes) and have to pay out-of-state tuition.
The plain-English determinative questions for in-state tuition are, in so many words:
1) Did you come to the State of Michigan at least a year before you started at the U of M?
2) Did you arrive in Michigan for some reason other than to attend Michigan's Ross School of
Business?
3) Is it likely that your Michigan's Ross School of Business education will somehow benefit
the State of Michigan after you graduate?
If you can answer "yes" to all 3 questions, you may get the in-state rate. Otherwise,
prepare to cough up the out-of-state rate. If it makes you feel any better, the in-state
discount for the MBA program at Michigan is not as large as you might expect, usually only a
couple thousand dollars per year. All of that said, can you claim Michigan residency for
paying state income tax, voting, etc.? In most cases, sure. The State of Michigan will
happily take your tax revenue, license plate fees, and your presence in the state for U.S.
Census purposes. Just be sure some other state can't claim that you should be paying primary
state income tax there.
See http://www.umich.edu/~regoff/resreg.html for more information on tuition status.

gracie27

Michigan 的policy是可以第二年就算作resident交州内学费呀！我现在在的IU不管待多久只要是因为读书的原因在这里都得算州外学生，真黑～

Ambro09

第二年可以交州内学费便宜一点点
但贷款利率对一年级和二年级学生应该差别不大
Prime也是会变的，经济好了就要加息了
6%的guarantee fee 不知道第二年交不交
http://www.bus.umich.edu/admissions/financialaid/NoCoSignLoan.htm 里面current student没看到guarantee fee

gracie27

是不是第一年是prime rate + 3.5% + 6% （guarantee fee), 第二年对current student 就降低到5%了呢？如果是这样，贷款很划算啊！算上人民币升值和中国存款利率，不是相当于无息贷款了嘛～

Ambro09

The interest rate will be variable at prime +3.50%, with a 6% guarantee fee.

sy029

Welcome to Ross, GO BLUE !  Your background looks almost the same as one of my Ross classmate.

-- by 会员 pearlycy (2011/3/8 12:29:37)

Thank u 想请教下ross的同学学费都是怎么解决的呢？贷款吗？

-- by 会员 gracie27 (2011/3/8 20:36:42)

Ross给国际学生提供non-cosigner贷款，额度是$70XXX/year，利率是LIBOR+0.75%，如果有cosigner的话就是LIBOR+0.5%。所以今年大多数同学的贷款利率是5%，据我所知在美国这些Top商学院里应该是最低的。

断臂小山

CD上该有好多人天天榨豆浆了
榨了也不喝
倒掉接着榨

gracie27

Welcome to Ross, GO BLUE !  Your background looks almost the same as one of my Ross classmate.

-- by 会员 pearlycy (2011/3/8 12:29:37)

Thank u 想请教下ross的同学学费都是怎么解决的呢？贷款吗？