国际学生贷款利率初步信息

wharton2009

Ross rate is better than Wharton. //envy

以下是引用isabelgan在2009-4-7 23:50:00的发言：

这样看来Ross 的贷款还是很优惠的，今年是密歇根的Credit Union 来提供，利率是prime+1.75%, 没有任何手续费。对新学生和2年级学生都适用。  

princesy

还是不知道ROSS究竟是多少

wharton2009

I believe the current prime rate is 3.25%

One question is: how often the interest rate is reset?

以下是引用princesy在2009-4-8 0:42:00的发言：

Prime是 百分之几呢

或者加起来一共是多少

poetfarmer

3.75%

WaterWalker

以下是引用mbamom在2009-4-7 5:22:00的发言：
太高了，有可能还不如借信用卡

信用卡？这个更行不通，有可能你现在intro拿个好的，基本大部分信用卡在六个月以后都会给你加一个11-13%，这个你更吃不消。不要寄希望在信用卡上。

kevintown

prime和graduate loan无关吧！？

ross如果能提供的，那就比hbs都牛了。

我觉得大部分学校都不可能提供比FASA更好的贷款

mbamom

I believe the current prime rate is 3.25%

One question is: how often the interest rate is reset?

每次federal reserve开会，就有可能reset, 现在比较低，听说高的时候曾经达到过9%

mbamom

信用卡之说太危言耸听了吧，本人就借过2.99%APR till it's paid back. 卡和卡不同，就是同一个卡针对不同的customer也有不同的offer

WaterWalker

以下是引用mbamom在2009-4-8 4:05:00的发言：
信用卡之说太危言耸听了吧，本人就借过2.99%APR till it's paid back. 卡和卡不同，就是同一个卡针对不同的customer也有不同的offer

没什么危言耸听的，你以前借过，并不表明现在还可以。2009年，信贷紧缩体现在方方面面。你pay 2.99APR till paid back也只是一段时间，一年顶多了。现在是个学费，四五万，我看现在没有几个信用卡公司会给你开这个限。对，不同customer确实有不同，所以它统一来一个你现在的rate+11-13%，你现在2.99%，就变成了13.99%。随便贴个链接看看吧

http://dealsea.com/exec/credit-cards/low-interest/

你看看现在的as low as是多少？

时代不同了。。。。。。。。。当然要敢借，就去借好了，反正破产以后，信用卡是不用还的，学生贷款可是一定要还的。

isabelgan

给大家贴一个螺丝来的邮件就清楚了，好几年螺丝的学生贷款都几乎是最低的。

Dear 。。。,

Yesterday, I emailed you to tell you that we expected to announce a loan program for international students that would not require a U.S. co-signer.

Today, I’m happy to tell you that we have an agreement with the University of Michigan Credit Union. The program will offer the same terms to students admitted for the 2009-10 academic year that are extended to our current students.

As I wrote yesterday, this program will not require you to find a U.S. co-signer for your loan. There will be no origination fee, and the loan will be a variable-interest loan with a rate of prime + 1.75 percent. The loans will permit a 20-year repayment period.

I’m thrilled to be able to make this announcement, and we will let you know when and how you can apply for financing as soon as the final contract with the Credit Union is signed.

Best,

Soojin Kwon Koh
Director of Admissions