转贴：国际学生免担保贷款情况

doublejade

转自思域论坛：
Prospective Applicant Series VI - International Loans
Schools offering co-singer free loans to international students include:
-Tuck
in collaboration with New Hampshire Higher Education Assistance Foundation. A 6% insurance fee is deducted from the principal of the loan proportionately from each of the three disbursements. The interest vaires with the 91-day T-bill rate.

-Harvard

-Wharton

-Stanford

-Michigan - CitiAssist Loan Program
Citi Bank, in cooperation with the University of Michigan Business School, is pleased to offer the CitiAssist* Loan. The CitiAssist Loan from Citibank is a sensible borrowing solution that can help meet your education funding needs while you invest in your education. Benefits of the CitiAsssist Loan include:
>Eiligibility
All graduate students attending University of Michigan Business School are eligible to apply.
>No loan fees - ever!
No loan fees means you get 100% of the money you borrow. Citibank does not charge origination or guarantee fees - fess that other student loan providers typically charge.
>Straightforward pricing
The interest rate on the loan is based on the Prime Rate as published in The Wall Street Journal plus 0.%.
(As of March 2000, the published prime rate is 8.75%.)
>No payment while in school
No payments are due while in school or during the six month grace period. However, you always have the option of paying interest and principal, without penalty, to help lower your monthly payment once you graduate.
>Flexible options make your repayment more manageable
Guduate stdents can take up to 15 years ot repay. Citibank has many options to make your repayment easier.
>Loan limits
You may borrow up to the full cost of education less any financial aid you are receiving. Your school will be requested to certify this amount and the final approved loan amount could be less than the amount requested.
>No Co-Signer Required
No co-signer is required for domestic or international students.

-North Carolina

Bank of America Loan Program
The Kenan-Flagler Business School and Bank of America have formed an exclusive partnership to offer its domestic and international graduate students a low-cost loan program. The program is unprecedented in that it meets the education financing needs of Kenan-Flagler抯 entire graduate population. Bank of America does not offer this program to any other school in the United States. Key benefits of the Bank of America Loan Program are as follows:
>International students can borrow without an U.S. citizen co-signer.
>No application fee. A 9% guarantee fee deducted from the proceeds of the loan is used to offset the cost of defaults.
>Students can borrow up to the cost of education.
>Competitive interest rates (adjusted quarterly).
>Co-borrower is not a requirement.
>Repayment does not begin until six months after leaving school.
>Interest accrues but is not added to principal until the loan enters repayment.
>Repayment terms may be up to 20 years.
>Loan(s) can be repaid at any time without prepayment penalty.

-NYU (international cosigner)

-Chicago
GSB International Alternative Loan
Eligibility - No cosigner required. No adverse credit rating.
Enrollment - At least half-time status (2 courses).
Maximum Loan Amount Per Year - $30,000.
Maximum Aggregate Loan - $60,000.
Insurance Fee - 5% of total loan amount, deducted from the loan prior to issuing.
In-School Interest Rate - Variable rate. 91-day LIBOR rate + 3.5%.
Repayment Interest Rate - Variable rate. 91-day LIBOR rate + 3.5%.
Current Rates (3/2000) - LIBOR: 6.19, 91-day Treasury Bill: 5.73
Interest Payments - Paid quarterly.
Repayment of Principle - Upon leaving school or falling below half-time status (2 courses).
Repayment Period - 20 years.

-Columbia
MBA LOANS Tuition Loan Program (TLP)
for Columbia Business School Students
Columbia Business School is pleased to announce the establishment of a new loan program for our international students and interested domestic students. All international students will now have access to the same loan terms as our U.S. students. Through our preferred lender, MBA Loans, the most convenient and least costly program available, students who qualify will receive loans at terms as low as Prime plus 0% with no fees.

Eligibility
To be eligible for a loan under the Tuition Loan Program as an international student without a U.S. citizen or
permanent resident co-borrower, you must:
>be admitted/enrolled at least half-time and making satisfactory progress at Columbia Business School;
>have verifiable financial assets that are equal to or greater than your requested loan amount ;
>provide us with your Social Security Number if you have one;
>have a Social Security Number to apply as a second year student. If you are a first year student and you do not have a Social Security Number, you must provide us with your Columbia Business School student identification number.
Credit Requirements
You must meet the program's credit criteria. The applicant borrowing without a co-borrower will not be approved for a Loan Amount that is more than the amount of financial assets owned by you and certified to us by the financial institution holding the assets.

yuqiuhai

thx!

lewis

Thank you, doublejade!
Very good stuff.

Shuzhen

这个帖子真是好东东。接下来如果实在没有消息可以继续下去，不妨谈谈反面的情况：即哪些学校一定是要有米国Cosigner才贷款的，哪些学校即使有米国Cosigner也贷不到多少钱，哪些学校是一定要你有钱才考虑你的申请的（并不是每一个学校都像哈佛等等公开申明录取与银子没有关系的哟）。当然有人这是要说你没银子学校录取了你签证官也不让你走，走哪一步说哪一步吧。谋事在人，成事在老天呀。

seayang

好贴子

yhq110

Thanks for sharing!!!!

Zihuatanejo

informative. many thanks

cheeyong

这个帖子的信息有点旧了。建议大家直接去各学校MBA网站的Financial Aid查询，或者直接写信去问。很多TOP 15的学校都可以提供不需要co-signer的贷款给国际学生，但有一点区别：有些学校可以在签证之前就把贷款给你，让你把贷款作为签证资金来源的一部分；另外一些学校则不允许。

luckyJ

cheeyong，

哪些可以在签证之前给贷款呢？我都没有注意到这个区别。不过拿贷款去签证是不是不利呀？

cheeyong

以下是引用luckyJ在2005-12-29 12:03:00的发言：

cheeyong，

哪些可以在签证之前给贷款呢？我都没有注意到这个区别。不过拿贷款去签证是不是不利呀？

Chicago和Yale是明确说签证之前就可以给贷款的，别的学校没有明确这点，你可以去问。

贷款去签证也是可以的，当然，你自己总得掏点钱吧，不能全是贷款。