读个TOP 10 都要100W, 贵啊

incentive

看了一下TOP10的学费（下面是Harvard的，其它的也差不多），total cost $77,150是一年的吧，两年的Program岂不是还要double ，那就超过RMB 100 W了，这么贵，多少人读得起啊？学校肯给学生贷款么  2008-2009 (9 Month Academic Year) MBA Student Budgets for Class of 2010
	Single	Married/DP	Married/DP and One Child
Tuition	$43,800	$43,800	$43,800
University Health Services Fee	$1,426	$3,218	$4,010
Blue Cross /Blue Shield (12 months)	$1,474	$3,166	$4,222
Program Support Fee	$4,200	$4,200	$4,200
Room & Utilities (9 months)	$14,040	$16,515	$20,700
Board, Personal, Other (9 months)	$12,280	$15,951	$20,318
TOTAL	$77,150

lshlcc

美国人很多也是贷款读的，工作了再还吧，TOP10出来的回报毕竟摆在那里

alexwithibt

呵呵, 都这个价呢.

要贷款的话, 那比这价还要高呢.

$77,150*2年 = $154300

利息是7%以上. 贷10年的话, 每年的利息是: $154300*7% = $10801, 10年一共要还的利息是$10801*10年=$108010.

带上本金,一共的费用是: $108010 + $154300 = $262310 =RMB 1836170.

Top10的话, 找个好工作还是能还上滴. 每个月要还 $2200. 毕业后月薪$8000算的话(平均水平),税后$5600,那么每个月的近40%要还学贷.

[此贴子已经被作者于2008-3-31 19:02:41编辑过]

玉玉

lshlcc

怎么听了就象房贷

touchstone

若不是Top 10，还是就不要去了吧，这年头美国经济也不好，还要背上一屁股的债 ...

xmatrix

LTV	Principal	Installment - 6 Years	Installment - 10 Years	Monthly Net  Income	Debt Ratio-6	Debt Ratio-10
100%	US$154,300.00	US$2,630.66	US$1,791.00	US$5,000.00	52.6%	35.8%
70%	US$108,010.00	US$1,841.46	US$1,254.00	US$5,000.00	36.8%	25.1%
50%	US$77,150.00	US$1,315.00	US$895.00	US$5,000.00	26.3%	17.9%

 

好像通常学校只有6年的期限，按7%的利率算，按税后收入5000USD/M, 假设全额贷款，则每月税后收入一半多都要用来还款，还不算吃和住用行

另外，学校可以把学生贷款做成ABS买出去给投资者，然后发现MBA身价持续下跌，申请贷款的MBA无力还债。。。然后就成了时下某个流行的危机了 赫赫 开个玩笑

慕容楠生

次贷。。。。。。

mbamom

以下是引用alexwithibt在2008-3-31 18:55:00的发言：

呵呵, 都这个价呢.

要贷款的话, 那比这价还要高呢.

$77,150*2年 = $154300

利息是7%以上. 贷10年的话, 每年的利息是: $154300*7% = $10801, 10年一共要还的利息是$10801*10年=$108010.

带上本金,一共的费用是: $108010 + $154300 = $262310 =RMB 1836170.

Top10的话, 找个好工作还是能还上滴. 每个月要还 $2200. 毕业后月薪$8000算的话(平均水平),税后$5600,那么每个月的近40%要还学贷.

哪有按simple interest算的?都是按compound interest算，每月compound一次， xmatrix的算法才是对的

YellowJacket

Don't forget about the "opportunity cost".  For a person making USD $100,000 a year, one needs to add USD $140,000 to the total cost for two years, assuming 30% tax bracket.

That's why 'smart' people should take part-time or executive MBA program.  With employer's sponsorship, the difference in opportunity cost for part-time and full-time MBA programs can be as much as USD $500,000. If you put the same money in a safe investment at 4% annual return (~U.S. inflation rate), it will grow to $600,000 in 6 years after graduation. 

So by the time a full-time MBA student pays off his/her student loan in 6 years later, the part-time MBA student will be $600,000 richer.  They both get the same MBA degrees.  The advantages for full-time MBA program (summer internship etc) do not matter anymore after 6 years.