贷13万美元学生贷款读CMU的MBA值不值得？

excel

http://www.finaid.org/calculators/scripts/loanpayments.cgi

*Note: Current Prime rate is 8.25%. Prime+2=10.25%

Loan Balance:	$130,000.00
Loan Interest Rate:	*10.25%
Loan Term:	10 years
Minimum Payment:	$0.00
Monthly Loan Payment:	$1,736.01
Number of Payments:	120
Cumulative Payments:	$208,320.58
Total Interest Paid:	$78,320.58

Note: The monthly loan payment was calculated at 119 payments of $1,736.01 plus a final payment of $1,735.39 .

It is estimated that you will need an annual salary of at least $208,321.20 to be able to afford to repay this loan. This estimate assumes that 10% of your gross monthly income will be devoted to repaying your student loans. If you use 15% of your gross monthly income to repay the loan, you will need an annual salary of only $138,880.80 , but you may experience some financial difficulty.

These results assume that the student is paying the interest charges on any unsubsidized loans and is not capitalizing the interest while in school. If the student is capitalizing the interest, the cumulative payments and total interest charges will be higher than shown here.

苞米

以下是引用excel在2007-3-17 3:16:00的发言：

http://www.finaid.org/calculators/scripts/loanpayments.cgi

*Note: Current Prime rate is 8.25%. Prime+2=10.25%

Loan Balance:	$130,000.00
Loan Interest Rate:	*10.25%
Loan Term:	10 years
Minimum Payment:	$0.00
Monthly Loan Payment:	$1,736.01
Number of Payments:	120
Cumulative Payments:	$208,320.58
Total Interest Paid:	$78,320.58

Note: The monthly loan payment was calculated at 119 payments of $1,736.01 plus a final payment of $1,735.39 .

It is estimated that you will need an annual salary of at least $208,321.20 to be able to afford to repay this loan. This estimate assumes that 10% of your gross monthly income will be devoted to repaying your student loans. If you use 15% of your gross monthly income to repay the loan, you will need an annual salary of only $138,880.80 , but you may experience some financial difficulty.

These results assume that the student is paying the interest charges on any unsubsidized loans and is not capitalizing the interest while in school. If the student is capitalizing the interest, the cumulative payments and total interest charges will be higher than shown here.

Good one! 再补充一点，实际上如果每个月想付这么多钱（单身，有家的更多），再加上房租（1000），吃饭（500)，汽车(贷款+保险+GAS=500,开的还是Corrola)，保险(150)，facility+cable(200), 401k......怎么说也得每个月5000块。也就是说，年薪至少8，9万（不需要20万，中国人节俭,但条件是能找到工作），生活按照最低标准算，没有娱乐活动，活的还紧紧巴巴。10年！？

回帖要对自己说的话负责，有些人对这笔钱根本没有概念，估计对他们来说只要能读上MBA, 卖肾都行。

snowheat

即使这样, 也要堵一把吧...

人为财死, 鸟为食亡.

我主沉浮

以下是引用wycg在2006-3-23 17:20:00的发言：

应该比较学校性价比的问题.  因为 除了前七, 10-30都差不多, 毕业后比的不是学校了, 比的是你之前干的行业和你自身的quality. 除非学校在冒一个行业很精,这个行业的大多数人都是从那个学校毕业的,而你就是奔着这个来的,才不用想性价比的问题.否则的话, 10-30就找性价比好的去.  找工做时公司应该不会care你是20还是21毕业的,还是15还是16毕业的.

这是我这阵子对MBA的个人看法.有可能不对.只做参考.

性价比很重要。除非TOP10，否则没必要追求排名

oo7

多向苞米学习

他的话都很实在

shanexin

这个要顶一下，得综合自身情况考虑，如果家里不缺钱，自身quality不错，毕业能够找到10w+的工作，13w不是大数目。如果家里缺钱，又想转行还是平衡一下性价比，2年后如果美国经济衰退，每月近2000美金的还款是个实实在在的数目，这个版上不乏热血沸腾的申请者和在校学生，真正毕业后开始工作养家的人来的不是很多。特别是想去IB/MC转行淘金的，一旦经济不好，除了m7+某些location好的学校如NYU,UCLA,10W开外的工作不好找的……

mba06

儘管LZ應該已經讀了快1年了﹐看到好貼還是要頂一下。極度同意wycg的貼。現在美國engineer找到10W+的job應該還是現實的。不少家庭收入在20W以上。但是即使收入20W﹐且生活在中部﹐象得州﹐消費極低﹐償還13W還是一個非常沉重的負擔。每月還房貸﹐養活兩個孩子﹐補貼父母。花錢的地方太多了。還要給自己留養老的錢。現在的financial advisor建議至少要1  to 2 million刀﹐才能夠很好的退休。要是一個10-30的學校提供部份獎金﹐真是沒必要看ranking.

bettywushh

呵呵,太辛苦,还是有奖学金压力小点.

Echoxlx

想想就可怕啊