【召集】 不需要提供co-sign的student loan 的学校

grandmoon

000

携隐

携隐lz能不能透露一下你是怎么拿到3%利率的loan的呀？真是很优的利率阿，现在这个环境下可能找不到这么低的了。

-- by 会员 zhupp (2009/12/20 13:49:51)

我只是运气好碰到好年头。我入学的时候每个贷款的国际学生拿到的都是这个条件，prime rate。当时比过所有学校的Michigan的贷款条件最优，不过当时最高只能贷5万4一年。然后毕业美国一直降息，就变成3%了。

zhupp

谢谢携隐，我们现在的prime rate 大概都是5左右，虽然不是最好，但是也不算高，加上就几万的贷款，应该差别也不大。不过既然我在美国，还是会shop around。其实美国的贷款有很多option，很多local的小银行给的条件也很优厚。如果有啥发现，我会上来update，谢谢携隐

MarilynR

强帖一定要顶

dingxiang

上他家网站看了， 不提供国际学生贷款，建议的是学生自己在本国解决。

不过他家学费是够便宜的

补充，madison提供，貌似包含生活费。且学费巨低。一般提供奖学金，可cover学费加生活费。没什么成本。
地产投资方向很好，就业也不错。适合不想投入成本、对排名无太高要求的同学。

-- by 会员 grandmoon (2009/12/20 22:01:18)

Doer

有什么发现别忘了来说一声。我也在美国，有绿卡是否可以带联邦贷款，利率会低一点。

谢谢携隐，我们现在的prime rate 大概都是5左右，虽然不是最好，但是也不算高，加上就几万的贷款，应该差别也不大。不过既然我在美国，还是会shop around。其实美国的贷款有很多option，很多local的小银行给的条件也很优厚。如果有啥发现，我会上来update，谢谢携隐

-- by 会员 zhupp (2009/12/21 1:00:47)

tigermba

會樓上，如果是PR或者CITIZEN是可以申請federal loan的，最高是每年的學費加生活費（假設申請了FAFSA但學校沒有任何free money和scholarship給你的情況下），對每個人也有個maxinum的名額，至于利息，就要看fafsa的網頁的了，前陣子查過，不底不高，可以接受的。

zhupp

回doer，关于贷款我没有啥update，不过最近做research 发现了一些省税的办法，
具体看这个bw的文章
http://www.businessweek.com/bschools/content/dec2009/bs20091217_144039.htm
里面最有用的是529 plan，可以存税前的钱进去，用这些钱来付学费，是不用再交税，也没有penalty，可以用于子女的教育，也可以用于自己的higher education cost。每年存钱的上限是6万5。（可能每个州不一样）。
这些tax benefit适用于再美国有收入，有ssn的人！现在离开学还有半年，现在开始存钱进去还来的及，具体开账户的手续可以咨询fidelity。
希望对大家有用！！

majiang

Here is what I got from ClearAdmit. Hope it helps

Schools with No-Cosigner Loan Programs in Place

? Darden School of Business at the University of Virginia at Charlottesville: On April 14th, Darden Director of Admissions Sara Neher announced that her office has successfully negotiated a new no-cosigner loan program for international students. Details of the program, which have not been shared publicly, have been sent directly to admitted international students, Neher reported.

? Fuqua School of Business at Duke University: On May 11th, Fuqua announced on its website that international students will be able to secure loans for their studies at Fuqua without the need for a U.S. cosigner. “We have a solution in hand that will meet students’ needs, with terms similar to those offered for the current academic year,” according to the website. To date, details and terms of that program have not been shared publicly.

? Haas School of Business at the University of California at Berkeley: The Haas School has created a new Berkeley MBA Student Loan Program, which will provide no-cosigner loans for U.S. and international students in the full-time MBA program at Berkeley. Modeled on the Federal Direct Loan, the new loan program will provide loans of up to $20,000 a year with an interest rate of 6.8 percent, repayable over ten years. No interest will accrue while loan recipients are in enrolled in the MBA program, and there will be a six-month post-graduation grace period for repayment.

? Harvard Business School: On April 15th, Harvard University announced a new partnership with the Harvard University Credit Union to provide private educational loans that don’t require a U.S. cosigner to its international students, including MBA students at HBS. Specific terms and details of the loan program have yet to be announced.

? Stern School of Business at New York University: According to the NYU Stern Financial Aid website, there are currently two loan programs for international students that do NOT require a U.S. cosigner.  NYU currently has a program for eligible borrowers through JPMC and a program with Global Student Loan Corporation.

? Ross School of Business at the University of Michigan at Ann Arbor: The Ross School of Business has partnered with the University of Michigan Credit Union to create the RSB-UMCU International Student Loan Program, which provides no-cosigner loans up to the cost of attendance to all international students enrolled in or admitted to any graduate programs at Ross for 2009-10 and 2010-11. The variable-interest loans feature no origination fee, a rate of prime plus 1.75 percent, a floor of 4.5 percent and a rate cap of 18 percent adjusted quarterly. (Borrowers with a qualified U.S. cosigner can receive an additional 0.5 percent discount.) The loans feature a 20-year repayment period with a six-month post-graduation grace period. The RSC-UMCU loan application will be available in early July 2009.

? Sloan School of Business at the Massachusetts Institute of Technology: Through a partnership with the MIT Federal Credit Union, Sloan offers its international students a custom credit-based alternative loan that does not require a U.S. cosigner. The loan features an aggregate limit of up to $170,000 and carries a variable interest rate of prime plus 2.75 percent. (International students with a U.S. cosigner will receive a 0.5 percent rate reduction.) The loan’s interest rate varies quarterly and has a rate floor of 5.50 percent and a rate cap of 18 percent. Students have up to 25 years to repay depending on the loan balance, and repayment begins six months after graduation.

? Stanford Graduate School of Business: According to the Stanford GSB website, the school has partnered with the Stanford Federal Credit Union (SFCU) and Citibank to provide private educational loans to international business school students that do not require a U.S. cosigner. As of this writing, no additional details about the loan program are available.

? Tuck School of Business at Dartmouth College: In early May, Tuck sent an email to international applicants for the Class of 2011 announcing a new self-funded loan program for international students that doesn’t require a cosigner. According to a Tuck spokesperson, the school is still in the process of working out some of the details of the program with Dartmouth, including the interest rate.

? University of Chicago Booth School of Business: On April 14th, Chicago Booth announced a new loan program through JPMorgan Chase that will provide financing for qualified international students who aren’t eligible for federal loans and who cannot qualify for standard private loans because they don’t have a U.S. co-signer. The loans will cover amounts up to the total cost of attendance less any scholarship aid received and will feature set terms due to the continuing volatility of the market. The terms of the loans will be communicated later this spring, and the new loan program will officially launch in late May.

? Wharton School at the University of Pennsylvania: On April 9th, Wharton announced the creation of a custom loan program with Digital Federal Credit Union to cover tuition and living expenses for international students without a U.S. cosigner requirement. The new loans will carry an interest rate of prime plus 3 percent, and borrowers can reduce the rate 25 basis points farther by arranging for automatic repayments. To provide these rates, Wharton has agreed to share some of the potential default risk with the lender.

? Yale  School of Management: On March 12th, Yale SOM announced a new self-funded loan program for international students with no U.S. cosigner requirement. The maximum annual amount of the new loan program is $49,945 for the Class of 2011 – equivalent to tuition and fees for the academic year – minus any scholarship awarded. The loans carry a fixed interest rate of 7.75 percent. Students have 10 years to repay the loans but make no payments while enrolled and have a six-month grace period after enrollment ends to begin repayment.

Schools With Loan Programs Requiring Co-Signers

? Anderson School of Business at the University of California at Los Angeles: According to posts on the Anderson MBA Insider’s Blog on April 29th, the UC system is searching for alternative loan options for international students that don’t require a U.S. cosigner, but Anderson does not yet have anything in place for the 2009-10 academic year. Queries to Anderson’s communications office regarding any updates received no reply.

? Columbia Business School: According to the CBS website, loans for international students without a U.S. co-signer are currently not available. “Most international students rely on family funds, personal savings, government or company sponsorships and/pr loans secured in their home countries,” the website reads. CBS spokesperson Sona Rai confirmed on May 8th that the above information is accurate and up to date.

? Johnson School of Business at Cornell University: According to the school’s website, the only U.S. loan option available to international students is with a credit-worthy U.S. citizen cosigner or U.S. permanent resident cosigner. “The Johnson School is currently investigating loan options for international students without a U.S. cosigner and will provide information as it evolves,” the website reads. Queries to the school spokesperson regarding any new information received no reply.

? Kellogg School of Management at Northwestern University: International students at Kellogg are eligible for the NU International Loan Program, which offers two cosigner options. Option A, which requires a credit-worthy U.S. citizen or permanent resident cosigner (spouse cannot act as cosigner), features no origination fee and a current interest rate for the 2008-9 academic year of 7.50 percent. Option B has no citizenship/residency requirement for the student or cosigner, but international students are required to have a family member included as a cosigner (parent, guardian, or relative; spouse cannot act as co-signer). Interest for both options is variable annually and set by the university, September 1st through August 31st. Kellogg spokesperson Meg Washburn confirmed on May 8th that the above information is current and accurate.

eling820

哪位知道USC loan的情况啊？