<急>請問大家有沒有在美國貸款過的經驗?

您好~

我是\"清寒\"的大學生

想要弄個貸款來繳以後的房租

請問一下貸款這種東西很麻煩嗎?

步驟大概是什麼?

有沒有那種student loan是前幾年不用pay interest的?

如果有要pay interest的話~大概都幾趴?

另外

大家覺得貸款是一次借多一點比較好還是分開借較佳?

我可以從哪邊得到相關的資訊?

謝謝您和我分享經驗~

Update:

對了!我是住在加州...

Update 2:

我是拿綠卡的....

所以不是國際學生...

我在加州還沒住滿一年..不過當我要借錢時一定已經滿一年了..

2 Answers

Rating
  • 2 decades ago
    Favorite Answer

    你有綠卡就應該申請financial aid, 不管你在哪一州住多久,只要你是full time student,你或多或少都可以拿到一些補助或學生貸款(聯邦補助的在畢業前不須要繳利息)到學校financial aid office 問清楚,你應該是須要 file for CSS, FAFSA, 通常是以你及你父母的年收入來決定Expected Family Contribution是多少, 由學費生活費扣除EFC其他就是補助費及學生貸款,補助有幾項: FSEOC及Pell Grant是給你的,不必還,Perkins Loan 及Subsidezed Stafford Loan是畢業後才開始付利息並分期付款還

    Perkins Loan - maximum of $4,000

    Stafford Loan - maximum of $6,625 ($2,625 subsidized)

    FSEOG - maximum of $4,000

    Pell Grant - maximum of $4,050

    我有朋友本以為他只有綠卡也不是公民在美國只住一年不認為可以申請,沒想到申請了以後居然拿到不少補助,你和你父母最好早點申報去年所得稅,即使你沒收入最好也申報這樣申請financial aid 有紀錄可查比較好.

    2006-02-22 08:41:55 補充:

    到學校financial aid office詢問 ,他們會告訴你其他低利息學生貸款途徑或以你父母名義貸parents loan.我以前收到financial aid package後都會到學校financial aid office要求可否再給我多一點錢結果是他們總會 給一,二千元學費減免補助

  • 2 decades ago

    are you a us citizen or resident?

    do you have credit history?

    yes, there is student loan, but if you don't already have an established credit history, you'll need cosigner who has strong credit. You might want to try scholarship that does not need to be payback.

    Are you an international student here? your chances of being approved are a little bit lower since you are not allow to work in US without permission, which means you have no steady income as well.

    Try finance your tuition and rent through your school. most college offer interest free tuition, room, and board payments. You can pay over time and you can qualify these loan better than seeking private lender

    2006-02-19 12:48:59 補充:

    resident as in greencard holder. you can live in califormia fo r your life without greencard and still not be a legal resident.

    Source(s): live in san jose
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