Some students have difficulty in completing their study abroad due to their limited financial resources, so they choose to apply for loans to complete their study abroad.How to apply for a loan to study in the United StatesApply to study in the United States, ,Apply for a PhD in the United States, ,U.S. Undergraduate Study Abroad ApplicationThe problem.
Tips for applying for a loan to study in the United States
1. Tips on applying for a loan to study in the United States
1. Application Requirements
Independent borrowers must be at least 18 years old, have a permanent home address and a stable family income, provide proof and flow of income of their parents, guarantee the ability to repay the loan, and of course, also need to show proof of the relationship between the two parties.
You will need to present a copy of the paper admission certificate issued by the school, a valid passport, a medical health certificate, and other requirements that the loan institution requires students to meet. This can only be confirmed after consultation.
2. Loan Amount
In principle, the amount that international students can apply for cannot exceed 80% of total annual expenses. According to official surveys, the average annual cost of studying in the United States is around 500,000, so the amount they can borrow each year cannot exceed 400,000.
The above is the amount you can borrow. You also need to determine the specific amount based on your actual situation. You can estimate your graduation plans and salary after graduation, and determine the final amount based on your repayment ability.
3. Loan Period
There are also restrictions on the loan period you can apply for, generally 1-6 years. Most students will choose a loan of similar length to their study period, so that they don't have to worry about their expenses during their studies. The maximum period cannot exceed 10 years.
4. Loan Methods
1. US Loans
You can submit a loan application directly to a bank in the United States. There are no identity requirements, but you need to find a local person as a guarantor for your loan. The interest rate is lower, but you cannot repay the loan in advance, and there is no grace period for repayment.
Student loans are more suitable for international students. This method does not require a guarantor. As long as you provide complete materials, you can get a loan. The interest rate is between 7.%-13.%. You can repay the loan in advance or apply for a grace period for repayment.
2. Domestic loans
It would be more cost-effective to apply for a loan domestically. Certain guarantee documents need to be submitted and the interest rate of the loan is stable between 4%-5%. However, the loan can only be made in RMB and the conversion into US dollars will be affected by the interest rate.
2. Ways to reduce the cost of studying in the United States
1. Apply for a scholarship
Scholarships are mostly available to graduate students. They are a kind of reward given to you for helping professors or participating in research projects while you are studying. They are similar to a monthly student salary. Undergraduate students basically don't have to think about this. However, if you are lucky enough to be noticed by a professor while you are an undergraduate, you may get it.
2. Fight for Scholarship
There are two types of scholarships mentioned here, one is the on-campus scholarship, and the other is the foundation scholarship. The foundation scholarship is actually provided by outside the school, that is, private individuals or companies. As a student, you can apply for on-campus or off-campus scholarships. Of course, off-campus scholarships have more content and richer content than on-campus scholarships.
3. Apply for Tuition Fee Reduction
This is also available, but this type of tuition reduction has various regulations and conditions, such as for students with disabilities or families with serious income tragedies. Of course, if you can prove that your family's financial ability cannot help you complete your studies, you can also apply for this.
4. Saving or reducing accommodation on and off campus
This is a type of scholarship specially set up by American schools to reduce the cost of studying in the United States for international students. Lisicheng Overseas Study Cloud introduced that if you feel that you cannot afford such high accommodation fees if you live in the school, and your family also has financial difficulties, you can make this request and apply to the school.
5. Obtaining Research and Teaching Assistantships
Graduate schools in the United States will set up these two types of service-based financial aid, but they are only available to students who are studying for a master's degree or higher in the United States. This requires good academic performance and a strong level of English, and further review by professors or school service agencies before you can get it.
3. Common knowledge about the US study visa interview
1. Confidence is the most important thing for a US visa interview. In the few days before the visa application, do nothing but practice smiling in front of the mirror until smiling becomes a habit. When you walk and talk without realizing it, you have reached a certain level of smiling. People who can smile always make people feel very festive, and the visa officer will be happy from the bottom of their hearts when they see it.
2. When you are led to the window to wait, don't think that the visa officer didn't call you and don't take it seriously. The visa officer is high above you and can see everything you do. You should show your temperament, hold your head high, and wait quietly without being humble or arrogant.
3. When speaking, you must speak slowly. No matter how good your spoken English is, please do not be overconfident about your English. You only need to use 70% to 80% of it when speaking. If your English is not very fluent, it is normal, you are a foreigner! But if you speak very fluently, the visa officer will treat you as an American when talking to you. If he speaks too fast and you can't hear clearly, it will be a waste of time.
4. When the visa officer is cold, don't be disappointed, this is their occupational disease. Don't let this affect your mood, remember to keep smiling, even if he doesn't look at you directly, you should always stare at him and smile, from beginning to end!
5. If you are refused a visa, don't be discouraged. The second time you apply for a visa, it won't have any adverse effects from the first time.
6. Be sure to prepare a few routines and practice them well. During the interview, you may be forced to explain your immigration intentions repeatedly, and it is difficult to come up with several strong reasons on the spot.
7. Try to speak louder, but not too fluently.
8. If the visa officer asks you a question you are not familiar with and asks you to answer it, remember one thing: do not stand there speechless. As for what to say, you can say all the relevant and irrelevant things you can think of about it, and show that you really understand it. It would be even better if you can say a few key words he expects.
9. Image: Girls should try to look more ladylike, traditional and conservative, not bold, avant-garde or too beautiful. This will be the safest image no matter you meet a male or female visa officer. Boys should appear more capable and don't need the formal suit, but being too casual is not good either.
10. Note: When you are already in line in front of a visa officer, you should stay excited. He or she will not call you in order. When you hear your name, you should walk forward and be careful not to lie on the stage. Some people will be careless when they are nervous.
11. There is no problem with hearing, the volume is enough, and there is no problem of being too noisy, because you two are standing close enough; as long as your hearing is good, you will definitely understand, because you already know the scope of his words in advance.
Tips for applying for a loan to study in the United States
Summary of the strategy for applying for a loan to study in the United States
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