m**i
发帖数: 20 | 1 准备贷款读个硕士，大概要五万刀，但是找到的一个LOCAL银行利率居然要8.5%，当然
自己才来美国一年，没有太多的信用记录，也没有0 APR BALANCE TRANSFER的DEAL，大
家知道有利率低一点的提供学生贷款的银行吗？？请大家给点意见，谢谢了！！ |
d****y
发帖数: 910 | 2 没在美国读书，没弄过这个，不过我觉得这个APR应该是合理的，再低可能也不太容易
了。
不过，我看了这个文章 http://en.wikipedia.org/wiki/Student_loans_in_the_United_States#Private_student_loan_rates_and_interest ，上面提到“Borrowers with bad credit can expect interest rates that are as much as 6% higher, loan fees that are as much as 9% higher, and loan limits that are two-thirds lower than the advertised figures.”。其中引用自这篇 http://www.finaid.org/loans/privatestudentloans.phtml ，上面列出了一些Best Private Student Loan Providers。我觉得你应该好好读读这2个网页。
要掏不少钱在利息上。早点毕业、减少开销吧。
Good luck. |
h****7
发帖数: 1405 | |
x*******u
发帖数: 1590 | 4 我们这有地4.5%，不过你的有信用记录
【在 m**i 的大作中提到】
: 准备贷款读个硕士，大概要五万刀，但是找到的一个LOCAL银行利率居然要8.5%，当然
: 自己才来美国一年，没有太多的信用记录，也没有0 APR BALANCE TRANSFER的DEAL，大
: 家知道有利率低一点的提供学生贷款的银行吗？？请大家给点意见，谢谢了！！
|
D******e
发帖数: 1222 | 5 Federal Guaranteed Loans for Grad School is 8%, no cosigner or credit
history needed, american citizen or PR only. So 8.5% from a local bank is
reasonable.
【在 m**i 的大作中提到】
: 准备贷款读个硕士，大概要五万刀，但是找到的一个LOCAL银行利率居然要8.5%，当然
: 自己才来美国一年，没有太多的信用记录，也没有0 APR BALANCE TRANSFER的DEAL，大
: 家知道有利率低一点的提供学生贷款的银行吗？？请大家给点意见，谢谢了！！
|
a*****n
发帖数: 5158 | 6 是不错了，那个federal的还有4% fee
The Graduate PLUS loan (Grad PLUS) is available to students at the
graduate level through the Direct Loan program.
This loan is dependent on a credit check. If it is determined that
you have an adverse credit history, you will have the ability to
obtain an endorser.
The interest rate on the Grad PLUS loan is a fixed 7.9 percent. This
loan is a type of unsubsidized loan so interest does accrue while you
are in school or in deferment.
There is a loan origination fee of 4 percent. A 1.5 percent rebate will
be applied upfront to the loan and you can keep this rebate as long
as you make 12 consecutive monthly payments when the loan enters
repayment.
Repayment begins 6 months after you graduate, drop below half time, or
withdraw.
is
【在 D******e 的大作中提到】
: Federal Guaranteed Loans for Grad School is 8%, no cosigner or credit
: history needed, american citizen or PR only. So 8.5% from a local bank is
: reasonable.
|
D******e
发帖数: 1222 | 7 I would suggest LOU ZHU to get a cosigner or find a financing program from
school. They might provide some cheaper loans (but floating) as long as you
or your cosigner have pretty good credit history.
【在 a*****n 的大作中提到】
: 是不错了，那个federal的还有4% fee
: The Graduate PLUS loan (Grad PLUS) is available to students at the
: graduate level through the Direct Loan program.
: This loan is dependent on a credit check. If it is determined that
: you have an adverse credit history, you will have the ability to
: obtain an endorser.
: The interest rate on the Grad PLUS loan is a fixed 7.9 percent. This
: loan is a type of unsubsidized loan so interest does accrue while you
: are in school or in deferment.
: There is a loan origination fee of 4 percent. A 1.5 percent rebate will
|
