Studying in the United States: cooking by yourself is not expensive.

Liuxue86.com provides news for China students who are going to study abroad: Guangzhou Daily reported on May 12 that "studying in the United States: cooking by yourself is not expensive". Studying abroad is an expensive expense that lasts for several years. Parents should do what they can to avoid tragedy.

The United States, a superpower that controls the lifeblood of the global economy, is regarded as a "paradise on earth" in the eyes of some people. Is that so? Deng, a student who has studied in America for nearly a year, has traveled a lot in America. Through comparison, he found that China people have many misunderstandings about the United States. What is the United States in the eyes of an international student? Let's listen to his introduction-

For many working-class parents in China who have sent or intend to send their children abroad for further study, the case of a foreign student's mother-killing at Shanghai Pudong International Airport on March 3 1 this year undoubtedly shocked them. The fuse of this tragedy is only the dispute between mother and son about tuition fees. The bloody facts remind parents who want their children to study abroad that they should fully consider their own economic conditions before sending their children abroad hopefully. Studying abroad at your own expense requires a certain economic foundation, and you must do what you can.

Ming Lu, executive deputy general manager of Kai Tak Education Group Guangzhou Branch, said that with the continuous opening of the overseas education market to China, the varieties of studying abroad are becoming more and more abundant, and families with different economic abilities can choose the study abroad projects that suit their economic affordability. According to a survey data, among the students who will or intend to study abroad, 52.28% of the respondents have an annual family income of less than 300,000 yuan.

Active loan:

Only Australia and New Zealand recognize study abroad loans.

However, studying abroad is an expensive expense after all. The reporter learned from overseas institutions that families who generally want to send their children to study abroad have certain economic strength, but there are not many families who lend money to study abroad. Generally speaking, study abroad loans can be divided into two categories: one is that the embassy or consulate of the country where you go recognizes or encourages applicants to use study abroad loans to apply for visas. In this case, with the permission of the embassy or consulate, even students with sufficient funds will apply for a study visa through loans, so it does not mean that students are unable to study abroad.

Relevant persons of Guangfa Bank said that at present, among the major countries studying abroad, only the immigration authorities of Australia and New Zealand have explicitly announced that study abroad loans can be used as study abroad guarantees, and most other countries do not recognize study abroad loans. Most of the families applying for study abroad loans are business families. They choose loans to ensure the cash flow of business, or families with rich investment and financial management experience. They will certainly get higher investment income while paying thousands of yuan in loan interest.

Passive loan:

It's stressful. Be careful.

Another situation is that students have to use loans to complete the support of study abroad funds because their family financial situation is not enough to support all the study abroad expenses. Ms. Wang's divorced son is studying in America. She earns 7,000 yuan a month, but her son needs 300,000 to 400,000 yuan a year to study abroad. Because of the high cost, Ms. Wang applied for a loan from the bank. To this end, she scrimps and saves every day and lives a simple life. When she can pay off the loan, she often frowned. This kind of life is a true portrayal of the economic cost of studying abroad that many ordinary families can't afford.

Teacher Chen Hua, who has been studying abroad for a long time, said that due to the shortage of family funds, once encountering other difficulties, it is easy to cause students' psychological stress and form some psychological diseases. Therefore, parents are not advised to try their best to let their children study abroad, because this will pin the expectations of the whole family on the student alone, which will inevitably cause great pressure on the students.

Tip 1: How to apply for a loan for studying abroad?

According to the relevant personage of Guangfa Bank, there are generally two loan methods to choose from when handling the loan for studying abroad in Guangfa Study Abroad Financial Center: one is the mortgage loan for valuables such as house mortgage, and the loan amount can generally reach 60% of the assessed house price; The second is unsecured credit loan, with a maximum loan of 500,000 yuan, which can be obtained only by family credit, but the lender generally requires local permanent residents. Generally speaking, the loan period is generally 6 months to 5 years.

The interest rate of general study abroad loans is the same as that of RMB loans of the same grade stipulated by the People's Bank of China. However, in some banks, students have the opportunity to apply for preferential interest rates for RMB loans of the same grade.

If the customer can't repay the loan due, the bank will generally take different measures according to different loan methods. If mortgage loans and unsecured credit loans are adopted, they will be collected according to the general provisions of the bank on repayment default. In reality, most families will repay their loans in advance and only need to pay several thousand yuan in loan interest.

Tip 2: How to save money by studying abroad?

1. Choose countries with relatively low cost of studying abroad, such as Canada, Ireland, Germany, Netherlands, Japan, South Korea and Singapore.

2. Choose courses or countries with short total study time, so that the total cost will be reduced. For example, in the UK, the undergraduate course is 3 years, and the master 1 year; You can also apply for short-term courses, such as foreign professional diplomas or postgraduate diplomas.

3. Choose a study abroad program with lower tuition fees. If you go to America, you can choose to go to a community college. To go to Canada, you can enroll in public community colleges; To go to Australia, you can choose to take a diploma course; Or choose overseas paid internship courses.

4. Choose areas with lower costs. For example, South Australia and Western Australia in Australia are cheaper than New South Wales and Victoria. The central States of the United States are cheaper than the east and west coasts; Central Canada is cheaper than British Columbia and Ontario.

5. Apply for scholarships, grants, etc.

6. Choose a country that allows students to work or stay after graduation.

International students tell you with personal experience-

A real America

American metropolises are all tall buildings?

Last year, Deng traveled all over San Francisco, Los Angeles, Las Vegas, Boston, new york, Philadelphia and Washington. It can be said that only San Francisco is a "garden city", and only new york is full of tall buildings, many of which are old skyscrapers decades ago. In big cities like Los Angeles and Boston, there are only a few high-rise buildings, and the others are small and short buildings with two or three floors. Compared with Guangzhou and Hong Kong today, there are many high-rise buildings, and American cities are simply too ordinary.

As for the modernization of the city, it lags far behind Hong Kong, Beijing, Shanghai, Guangzhou and other cities. The subway in new york has a history of 100 years. The entrance is narrow and dark, there is no elevator, only the shabby stairs, on which many mice are running. The subway in Boston will also make a sharp friction sound when braking, which is quite harsh.

Is the American nightlife feast full?

There are almost no KTV activities in the United States, because every song involves copyright, even singing a sentence is very expensive. One of the few KTV halls is opened by China people, and all of them sing Chinese songs. In addition, after 7 pm in the United States, 90% of the shops on the street are closed, leaving only a few restaurants and bars.

Everything is expensive in America.

First of all, because of the expensive labor, a haircut costs at least $ 10, not including shampoo; It costs tens of dollars to take a taxi for a short walk, and tips are required, because the minimum wage in the United States is $6.50 per hour. In addition, things involving copyright are also very expensive. A 300-page textbook costs 160 US dollars, while in China it may only cost 30 yuan RMB.

But the necessities of life are cheap. In a supermarket not far from Manhattan, lobster is 7 dollars/pound, chicken legs and pork are 0 dollars/pound, and salmon and cod are 6 dollars/pound on average. If a person cooks by himself every month, the food cost will never exceed 150, or even 120, so that you can enjoy the food to your heart's content.

American middle class life is very enjoyable?

The poor in the United States are basically well fed and clothed because of government subsidies. However, the enjoyment of the American middle class is far less than that of some middle classes in our country. In the United States, only the rich are qualified to hire a nanny, because it costs 2000 dollars a month, and most families are afraid to hire a cleaner, so they can only clean themselves.

The United States has no upper limit on visas for China people to the United States, giving priority to applications for studying abroad.

Jacobs, Assistant Secretary of State for Consular Affairs in the State Council, USA, said in Washington on April 27th that the continuous and rapid increase in the number of China citizens applying to the United States has brought challenges to the visa examination and approval of the State Council and American embassies in China, but there is no upper limit on the number of American visas to China, and China students studying in the United States will be given priority.