In the past, you could get loan from bank without consigner. But now you have to find a cosigner who is US citizen or green card holder, otherwise it is not easy for an international student to get loan.
今年由于经济危机, 美国大部分学校取消了co-signer free贷款, 意味着拿到offer后你要自己找到愿意给你签字担保的美国公民或者美国永久居民,否则没有贷款. 今年仍然可以提供无担保人贷款的学校寥寥无几, 只有Harvard, Stanford, Kellogg and Yale, so far as I know.