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FormosaMBA 傷心咖啡店 • 檢視主題 - [其它]留學貸款比較表

[其它]留學貸款比較表

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版主: sandarac, micki

[其它]留學貸款比較表

文章Sylvia » 2004-09-04 13:48

留學貸款比較表
http://www.tpml.edu.tw/study/upload/downloads/debt.htm

教育部留學貸款簡介手冊
http://www.tpml.edu.tw/study/upload/downloads/loan.doc

有興趣的人可以參考看看.........
Sylvia
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文章: 13
註冊時間: 2004-08-24 19:57

文章agk99 » 2004-09-04 22:54

我倒是想問大家,有沒有美國學校MBA借款資訊
也就是所謂的loan without local cosigner
台灣借款限制太多,還是這種機制比較有用有幫助
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文章訪客 » 2004-09-05 09:42

Me, too. I als0 wanna know that...
訪客
 

文章Sylvia » 2004-09-05 10:31

mikelee \$m[1]:Me, too. I als0 wanna know that...

我知道在MIT要貸款是要有下面的條件:

第一.你要貸款是要從到美國第二學期之後才可辦理.
第二.你要找一個有正式美國及或有居留權的人作你的保證人
Sylvia
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文章micht » 2005-03-30 05:28

推一下
大家可以看看~~~
圖檔圖檔圖檔
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文章rita.chen » 2005-04-15 06:38

agk99 \$m[1]:我倒是想問大家,有沒有美國學校MBA借款資訊
也就是所謂的loan without local cosigner
台灣借款限制太多,還是這種機制比較有用有幫助


:laugh 小小菜鳥來做點貢獻,ㄏㄏ!從cd轉貼,經由自己整理,大家參考看看,可是關於詳請還是請教學校比較清楚,只是提供給各位選校時的一個指標,知道有那幾所學校是提供無擔保人的貸款。

●Texas: co-signer needed
●Emory: no-cosigner, may borrow up to the full cost of their asset-worthiness.
●Michigan State: no for international students
●Washington (Olin): co-signer, full tuition; no co-signer, tuition only.
●Maryland: Free Application for Federal Student Aid (FAFSA).
●Purdue: Stafford Loans are available to U.S. citizens and eligible non-citizens (see the Free Application for Federal Student Aid (FAFSA) for details).
●Rochester (Simon): co-signer needed.
●Vanderbilt (Owen): co-signer needed for private loan
●Notre Dame: co-signer needed.
● Georgetown: co-signer needed.
●kellogg: co-signer is required(either a US or oversea co-signer is ok), 100% funded.
●Chicago: 1. co-signer, 100%; 2. no-cosigner, a total of $70000.
●Stanford: no co-signer, 100%.
●Wharton: no co-signer, 100%.
●MIT: no co-signer, 100%.
●Columbia:
●UMBS: no co-signer, 100%.
●Duke: no co-signer, full tuition plus fees, books and insurance.
●Dartmouth: no co-signer, 100%.
●Cornell: no co-signer, but students must have verifiable assets equal to or greater than the amount of the loan studnets request; co-signer is required if the student borrower does not have the required assets to qualify for the loan. up to 23000.
●Virginia: no co-signer, up to a maximum of $34,000 per year.
●Haas: no co-signer, up to $10,000/year.
●Yale: no co-signer, up to $52000.
●NYU: no co-signer, up to $15,000 per academic year. For those international students who need more than the $15,000 CitiAssist Global Loan to finance their education, Stern has secured a supplemental loan program, which will enable students to apply for an additional $20,000 to cover the cost of tuition and fees.
●UCLA: A US co-signer, cannot exceed the federally assigned annual cost of living for the 9 month academic period. The first year 9 month budget is $45,390.00. The second year budget 9 month budget is $41,890.00. No co-signer, cannot borrow for more than the amount of financial assets owned by the borrower and certified to The Anderson School by the financial institution holding the assets.
●USC: No co-signer.
●UNC: no co-signer.

國際學生免擔保貸款情況的一些名校概述
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 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.
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文章agk99 » 2005-04-15 22:50

想請教rita 或是其他有經驗的朋友
一個在美國念書的學生,如果舉目無親(no-cosigner),也沒有抵押品
更慘的是在台灣也借不到錢,也沒有足夠的財力自我支持
更沒有公司或朋友的支持,也別想聚到王永慶或郭台銘的女兒
是否
只有在以上這些可以提供借款,而且最好是無上限的借款服務
才有機會完成昂貴的MBA課程
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文章Allenr » 2005-04-16 01:32

agk99 \$m[1]:想請教rita 或是其他有經驗的朋友
一個在美國念書的學生,如果舉目無親(no-cosigner),也沒有抵押品
更慘的是在台灣也借不到錢,也沒有足夠的財力自我支持
更沒有公司或朋友的支持,也別想聚到王永慶或郭台銘的女兒
是否
只有在以上這些可以提供借款,而且最好是無上限的借款服務
才有機會完成昂貴的MBA課程


當我說我選擇UM的主因之一是為了那個CitiAssist Loan,很多人面露不解 ( or 不屑?) 之色~~

唉唉. 窮人要念書,說真的是要有點機運才行啊!
--------------------------------------------------
采薇采薇,薇亦作止。曰歸曰歸,歲亦莫止。
靡室靡家,學貸之故。不遑啟居,學貸之故!
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文章rita.chen » 2005-04-16 03:06

Allenr \$m[1]:
agk99 \$m[1]:想請教rita 或是其他有經驗的朋友
一個在美國念書的學生,如果舉目無親(no-cosigner),也沒有抵押品
更慘的是在台灣也借不到錢,也沒有足夠的財力自我支持
更沒有公司或朋友的支持,也別想聚到王永慶或郭台銘的女兒
是否
只有在以上這些可以提供借款,而且最好是無上限的借款服務
才有機會完成昂貴的MBA課程


當我說我選擇UM的主因之一是為了那個CitiAssist Loan,很多人面露不解 ( or 不屑?) 之色~~

唉唉. 窮人要念書,說真的是要有點機運才行啊!


哈囉!Allenr,我們窮人家要自立自強,ㄏㄏ!現在只是一時為錢低頭罷了,而且我覺得出國唸書就像是對自己的投資,如果UM的利率低的話,換算下來我倒覺得你是智者,ㄏㄏ! 8-|

另外,之前跟一位美國朋友聊天才知道他從大學到博士全程貸款,因為就連他們美國人唸書也負擔不了那龐大的金額,當然我指的私立學校啦!所以我們也別想太多 ;-$ !!
Where there's a will, there's a way!!!
I can reach my goal!!!

SIGH!!!!!!!!!!
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文章rita.chen » 2005-04-16 03:27

agk99 \$m[1]:想請教rita 或是其他有經驗的朋友
一個在美國念書的學生,如果舉目無親(no-cosigner),也沒有抵押品
更慘的是在台灣也借不到錢,也沒有足夠的財力自我支持
更沒有公司或朋友的支持,也別想聚到王永慶或郭台銘的女兒
是否
只有在以上這些可以提供借款,而且最好是無上限的借款服務
才有機會完成昂貴的MBA課程


以上這些學校是屬於比較前30大的學校,且私立學校居多,所以假設你今年要申請的是公立的學校且名次在後面的話,就沒有那麼多的方案了,其實也是因為美國政府沒有錢,所以造成公立學校經費匱乏,沒法推動類似方案。

今天假設你在前30大的學校,都有機會可以貸款,不需美國公民的擔保人,原則上哪些學校有,那些沒有,就是如上所示,這也是你選校可以列入的條件,通常全額貸款後,可以支付你兩年的學雜費+生活費等,除非你是花天酒地,不然還會有剩,所以你不需太擔心,到是可以好好利用這筆貸款! ;HH

除以上所述,我下面提供一篇由CD轉貼的文章,你看看!最後附上一些額外提供獎學金的網站,我想這些應該可以回答你的問題,如果有需要且我幫的上你的,再跟我說,ㄏㄏ!一起加油啦! ;yes;

對了,補充一下,就算你申請學校的無擔保貸款,還是可以申請國際上其他提供外國學生的獎學金喔!ㄏㄏ!
Where there's a will, there's a way!!!
I can reach my goal!!!

SIGH!!!!!!!!!!
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文章rita.chen » 2005-04-16 03:31

由CD轉貼
來源:全球MBA巡展

全球MBA巡展(World MBA Tour/topmba.com)報導,美國沃頓商學院的招生主任Rose Martinelli最近指出,每年,政府機構有上百萬美元MBA和研究生教育的獎學金無人發放,原因是,這些機構沒有營銷的預算,所以無法推廣他們的計畫。申請人必須自己去搜尋這些獎學金。

當一個人決定攻讀MBA時,諸多因素中,資金是一大問題。美國商學院一年的學費平均為3萬美元,歐洲商學院在2-3.5萬美元不等。

那麼,應該怎麼樣來確保獲得獎學金呢?

Rose Martinelli建議:“首先,要掌握很多資源。比如,通過上網查詢和參加全球MBA巡展,都是有幫助的。”

獎學金來源有兩個主要渠道,一個是商學院本身,一個是私人或政府資助的機構,比如Fulbright Council和Rotary Foundation這樣的基金會和慈善組織。

Christian Kanu正在英國Cranfield商學院攻讀MBA,他獲得了Rotary國際獎學金。他的經驗是:瞭解所有獎學金的資訊,比其他申請人更出色,至少與眾不同。

Rotary基金會的大使獎學金(Ambassadorial Scholarships)是全世界最大的私募國際獎學金項目。2003年,它來自64個國家的候選人發放了1100份獎學金,總計金額2600萬美元。這些獎學金獲得者目前在69個國家學習。

Michel Berthelin有幸獲得了為期兩年,總計22000美元的獎學金,他正在Kellogg商學院攻讀MBA。他認為,有機會獲得獎學金的候選人必須具備如下特點:有清晰的事業目標,熱切希望融入其他文化,懂得基金會的理想,真誠地為創造一個更加美好的世界而努力。

全球MBA巡展(World MBA Tour/topmba.com)為幫助人們完成教育和事業的夢想,創立了以兩位巡展創始人命名的獎學金:The QS獎學金(Quacquarelli Symonds Scholarships)。2003年,6位不同國家的申請人獲得了這一獎學金。其中有英國10大商界女傑Serena Doshi,她是Liv4now Inc.的CEO,去年9月開始在INSEAD攻讀MBA。每年,通過topmba.com註冊參加全球MBA巡展的候選人均有可能獲得,總額達2萬美元。

此外,還有很多以民族、性別、專業為重點的獎學金計畫,它們大多由MBA的校友捐助建立。例如,由皇家工程師學會(The Royal Academy of Engineers)設立的The Sainsbury Management Fellowship,專門為具備專業資格、26-34歲的工程師提供去海外攻讀MBA的資助。

許多商學院向出色的MBA候選人發放獎學金,數目不等,一般是免除費用,有些還包括生活開支方面的支持。美國Carnegie Mellon商學院的資助主任Lauren Tracey說:“我們的獎學金不需要單獨申請。申請入學就有機會獲得優等獎學金。”2003年,該校有76%的全日制MBA獲得了各種獎學金。數目從2500美元到全額學費不等。

芝加哥大學商學院每年給30%的學生發放獎學金。只要申請入學,就獲得考慮。

以下網址和鏈結會對你瞭解獎學金計畫有所幫助,它們覆蓋MBA和各種研究生課程:
FinAid
http://www.finaid.org

Rotary Foundation Scholarships
http://www.rotary.org/foundation/educat ... index.html

Fulbright Commission
http://www.exchanges.state.gov/education/fulbright/

QS (Quacquarelli Symonds) Scholarships給參加每年一度的全球MBA巡展(World MBA Tour)的候選人提供獎學金,有關巡展的資訊查詢請登陸:
http://www.topmba.com

NAFSA
http://www.nafsa.org/content/AboutInter ... urces.html

IEFA
http://www.iefa.org

Association of Commonwealth Universities
http://www.csfp-online.org

American Association of University Women Educational Foundation
http://www.aauw.org/3000/fdnfelgra.html

British Universities North America Club
http://www.bunac.org/uk/

;bear 加油!!!!!!
Where there's a will, there's a way!!!
I can reach my goal!!!

SIGH!!!!!!!!!!
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文章agk99 » 2005-04-16 04:46

其實我會問這個問題,就是很多朋友問我的另一個問題

你為什麼非名校不唸

坦白說,會想唸名校,一方面是自己對自己的期許,想要和聰明的人交流,二方面則是和 Allenr一樣,只有名校才有那麼豐富的financial Aid,我不是有錢人家子弟,只有自己拼命,念好校,投資自己

換句話說,今年申請不順,我想也真的是認了,理由是我要是真的迂尊降貴,我想也負擔不起,Allenr兄,德不孤,必有鄰,我可是很了解你的心情呢!!

感謝 Rita,這種資料自己也曾找過,但像這麼完整的還是第一次看過,這真是我們窮孩子的福音呢
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文章Tony » 2005-04-17 16:50

卸卸rita 分享...

;''( 唉...終於體會到老人家名言

"謀錢麥假機".....

mt22 <---還沒放棄搶銀行的湯尼思考中
夏天來巴薩隆納海灘正是時候~~
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文章panny » 2005-04-17 23:47

Tony \$m[1]:卸卸rita 分享...

;''( 唉...終於體會到老人家名言

"謀錢麥假機".....

mt22 <---還沒放棄搶銀行的湯尼思考中

問個蠢問題
"謀錢麥假機"..... 是啥意思?
我知道前面是"沒錢不要....
但"假機"是啥意思?
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panny
初級會員
初級會員
 
文章: 51
註冊時間: 2005-03-22 02:24
來自: taiwan

文章Behemoth » 2005-04-17 23:59

假機?

ㄍㄟˋ ㄍㄟ?

過街?

ㄍㄟˋ ㄍ一?

..........

orz orz orz

湯尼快來喔
Eric Chang
MBA Class of 2008
MIT Sloan School of Management
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Behemoth
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文章: 2948
註冊時間: 2004-09-10 18:19
來自: Boston

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