{"id":25653,"date":"2023-08-22T03:44:12","date_gmt":"2023-08-22T07:44:12","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/how-student-loan-refinancing-works-and-what-to-know\/"},"modified":"2025-08-08T05:51:10","modified_gmt":"2025-08-08T05:51:10","slug":"how-student-loan-refinancing-works-and-what-to-know","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-student-loan-refinancing-works-and-what-to-know\/","title":{"rendered":"\u5b66\u751f\u52a9\u5b66\u91d1\u5982\u4f55\u8fdb\u884c\u518d\u878d\u8d44\u4ee5\u53ca\u9700\u8981\u4e86\u89e3\u7684\u4e8b\u9879"},"content":{"rendered":"<p><span style=\"font-weight: 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400;\">\u6bcf\u4e2a\u91cd\u65b0\u878d\u8d44\u8d37\u6b3e\u4eba\u6839\u636e\u5176\u81ea\u5df1\u7684\u6807\u51c6\u505a\u51fa\u7533\u8bf7\u548c\u8d37\u6b3e\u51b3\u5b9a\u3002\u901a\u5e38\uff0c\u8fd9\u4e9b\u662f\u8d37\u6b3e\u4eba\u5728\u5ba1\u67e5\u60a8\u7684\u91cd\u65b0\u878d\u8d44\u7533\u8bf7\u65f6\u8003\u8651\u7684\u56e0\u7d20\uff1a<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>\u4fe1\u7528\u72b6\u51b5\u3002<\/b><span style=\"font-weight: 400;\">\u9664\u4e86\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\uff0c\u8d37\u6b3e\u4eba\u8fd8\u4f1a\u68c0\u67e5\u60a8\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u770b\u770b\u60a8\u7684\u8bb0\u5f55\u4e0a\u662f\u5426\u6709\u8fc7\u8fdd\u7ea6\u6216\u7834\u4ea7\u7684\u60c5\u51b5\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u52a9\u5b66\u91d1\u4f59\u989d\u8be6\u60c5\u3002<\/b><span style=\"font-weight: 400;\">\u8d37\u6b3e\u4eba\u6709\u4ed6\u4eec\u613f\u610f\u91cd\u65b0\u878d\u8d44\u7684\u6700\u5c0f\u548c\u6700\u5927\u52a9\u5b66\u91d1\u91d1\u989d\u3002\u60a8\u7684\u52a9\u5b66\u91d1\u4f59\u989d\u548c\u72b6\u6001\u5fc5\u987b\u7b26\u5408\u8d37\u6b3e\u4eba\u7684\u8981\u6c42\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u503a\u52a1\u6536\u5165\u6bd4\u3002<\/b><span style=\"font-weight: 400;\">\u503a\u52a1\u6536\u5165\u6bd4\uff08DTI\uff09\u662f\u6839\u636e\u60a8\u7684\u603b\u6708\u503a\u52a1\u4e49\u52a1\uff0c\u9664\u4ee5\u60a8\u7684\u603b\u6708\u6536\u5165\u8ba1\u7b97\u7684\u3002\u8d37\u6b3e\u4eba\u5ba1\u67e5\u8fd9\u4e2a\u6bd4\u4f8b\u4ee5\u786e\u5b9a\u60a8\u662f\u5426\u80fd\u8212\u9002\u5730\u507f\u8fd8\u52a9\u5b66\u91d1\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u5b8c\u6210\u5b66\u672f\u8bfe\u7a0b\u3002<\/b><span style=\"font-weight: 400;\">\u4e00\u4e9b\u8d37\u6b3e\u673a\u6784\u8981\u6c42\u4f60\u5df2\u7ecf\u5b8c\u6210\u4e86\u4f60\u7684\u8bfe\u7a0b\uff0c\u6216\u8005\u4f60\u6bd5\u4e1a\u7684\u5b66\u6821\u6ee1\u8db3\u8d37\u6b3e\u673a\u6784\u7684\u8981\u6c42\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u5c31\u4e1a\u3002<\/b><span style=\"font-weight: 400;\">\u518d\u878d\u8d44\u8d37\u6b3e\u673a\u6784\u5c06\u5ba1\u67e5\u4f60\u7684\u5c31\u4e1a\u5386\u53f2\u548c\u6536\u5165\uff0c\u4ee5\u786e\u5b9a\u4f60\u957f\u671f\u507f\u8fd8\u8d37\u6b3e\u7684\u80fd\u529b\u3002<\/span><\/li>\n<\/ul>\n<h2><b>\u518d\u878d\u8d44\u5b66\u751f\u52a9\u5b66\u91d1\u7684\u4f18\u52bf<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u4ee5\u4e0b\u662f\u4e00\u4e9b<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/blog\/5-reasons-to-refinance-your-international-student-loans\"><span style=\"font-weight: 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400;\">\u518d\u878d\u8d44\u6559\u80b2\u52a9\u5b66\u91d1\u7684\u53e6\u4e00\u4e2a\u5173\u952e\u597d\u5904\u662f\u4ece\u60a8\u539f\u6765\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u534f\u8bae\u4e2d\u5220\u9664\u5171\u540c\u7b7e\u7f72\u4eba\u3002\u4e00\u4e9b\u653e\u8d37\u4eba\uff0c\u867d\u7136\u5e76\u975e\u6240\u6709\uff0c\u63d0\u4f9b\u5171\u540c\u7b7e\u7f72\u4eba\u91ca\u653e\u9009\u9879\uff0c<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/blog\/can-i-refinance-my-student-loan-without-a-cosigner\"><span style=\"font-weight: 400;\">\u4ece\u60a8\u7684\u52a9\u5b66\u91d1\u4e2d\u5220\u9664\u5171\u540c\u7b7e\u7f72\u4eba<\/span><\/a><span style=\"font-weight: 400;\">\u5728\u6ee1\u8db3\u67d0\u4e9b\u8981\u6c42\u540e\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u518d\u878d\u8d44\u8ba9\u60a8\u7528\u65b0\u7684\u52a9\u5b66\u91d1\u534f\u8bae\u5f00\u59cb\u65b0\u7684\u751f\u6d3b\u3002\u60a8\u53ef\u4ee5\u6392\u9664\u5148\u524d\u9644\u52a0\u5230\u60a8\u7684\u503a\u52a1\u7684\u5171\u540c\u7b7e\u7f72\u4eba\uff0c\u5e76\u4fdd\u6301\u81ea\u5df1\u4f5c\u4e3a\u8d26\u6237\u7684\u4e3b\u8981\u501f\u6b3e\u4eba\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u5b66\u751f\u52a9\u5b66\u91d1\u518d\u878d\u8d44\u7684\u7f3a\u70b9<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5c3d\u7ba1\u518d\u878d\u8d44\u60a8\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u6709\u4f18\u70b9\uff0c\u4f46\u8fd8\u6709\u4e00\u4e9b\u9700\u8981\u8003\u8651\u7684\u56e0\u7d20\u3002\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u5b66\u751f\u52a9\u5b66\u91d1\u518d\u878d\u8d44\u9700\u8981\u4fe1\u7528\u68c0\u67e5<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u518d\u878d\u8d44\u5b66\u751f\u52a9\u5b66\u91d1\u503a\u52a1\u6d89\u53ca\u5c06\u60a8\u672a\u4ed8\u7684\u4f59\u989d\u8f6c\u79fb\u5230\u65b0\u7684\u79c1\u4eba\u653e\u8d37\u4eba\u3002\u4e0e\u901a\u5e38\u4e0d\u9700\u8981\u4fe1\u7528\u68c0\u67e5\u7684\u8054\u90a6\u5b66\u751f\u52a9\u5b66\u91d1\u4e0d\u540c\uff0c\u518d\u878d\u8d44\u7533\u8bf7\u4eba\u901a\u5e38\u9700\u8981\u5f3a\u5927\u7684\u4fe1\u7528\u3002\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u7684\u4fe1\u7528\u4e0d\u597d\uff0c\u627e\u5230\u5b66\u751f\u52a9\u5b66\u91d1\u518d\u878d\u8d44\u9009\u9879\u53ef\u80fd\u4f1a\u56f0\u96be\uff0c\u4f46\u5e76\u975e\u4e0d\u53ef\u80fd\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u5b66\u751f\u52a9\u5b66\u91d1\u518d\u878d\u8d44\u53ef\u80fd\u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u7c7b\u4f3c\u4e8e\u60a8\u5728\u5b66\u6821\u5c31\u8bfb\u65f6\u501f\u7528\u7684\u79c1\u4eba\u5b66\u751f\u52a9\u5b66\u91d1\uff0c\u4e00\u4e9b\u653e\u8d37\u4eba\u53ef\u80fd\u8981\u6c42\u518d\u878d\u8d44\u7533\u8bf7\u4eba\u6709\u5171\u540c\u7b7e\u7f72\u4eba\u3002\u5982\u679c\u60a8\u4e0d\u6ee1\u8db3\u653e\u8d37\u4eba\u7684\u4fe1\u7528\u6216\u6536\u5165\u627f\u4fdd\u6807\u51c6\uff0c\u60a8\u53ef\u80fd\u4f1a\u9047\u5230\u8fd9\u4e2a\u8981\u6c42\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u4e0d\u507f\u8fd8\u52a9\u5b66\u91d1\uff0c\u5171\u540c\u7b7e\u7f72\u4eba\u5728\u6cd5\u5f8b\u548c\u8d22\u52a1\u4e0a\u8d1f\u8d23\u507f\u8fd8\u52a9\u5b66\u91d1\u3002\u8fd9\u4e2a\u4eba\u901a\u5e38\u5fc5\u987b\u6709\u4fe1\u7528\uff0c\u5e76\u6ee1\u8db3\u653e\u8d37\u4eba\u7684\u6536\u5165\u8981\u6c42\u3002\u7531\u4e8e\u8d23\u4efb\u6c34\u5e73\uff0c\u5bf9\u4e8e\u4e00\u4e9b\u7533\u8bf7\u4eba\u6765\u8bf4\uff0c\u627e\u5230\u4e00\u4e2a\u613f\u610f\u5e76\u6ee1\u8db3\u6240\u6709\u5fc5\u8981\u6761\u4ef6\u7684\u5171\u540c\u7b7e\u7f72\u4eba\u53ef\u80fd\u662f\u4e00\u4e2a\u6311\u6218\u3002<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u7136\u800c\uff0c\u5e76\u975e\u6240\u6709\u7684\u653e\u8d37\u4eba\u90fd\u6709\u8fd9\u4e2a\u8981\u6c42\u3002\u5f53\u60a8\u901a\u8fc7<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/get-a-loan\/refinance-international-student-loan\"><span style=\"font-weight: 400;\">MPOWER Financing\u518d\u878d\u8d44\u52a9\u5b66\u91d1<\/span><\/a><span style=\"font-weight: 400;\">\u65f6\uff0c\u4e0d\u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u518d\u878d\u8d44\u6559\u80b2\u52a9\u5b66\u91d1\u662f\u5426\u9002\u5408\u60a8\uff1f<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u6bcf\u4e2a\u7533\u8bf7\u4eba\u7684\u60c5\u51b5\u90fd\u4e0d\u540c\u3002\u5728\u7ee7\u7eed\u8fdb\u884c\u5b66\u751f\u52a9\u5b66\u91d1\u518d\u878d\u8d44\u4e4b\u524d\uff0c\u95ee\u95ee\u81ea\u5df1\u4ee5\u4e0b\u95ee\u9898\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6211\u4e3a\u4ec0\u4e48\u8981\u518d\u878d\u8d44\uff1f\u6211\u7684\u76ee\u6807\u662f\u4ec0\u4e48\uff1f<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6211\u7684\u4fe1\u7528\u72b6\u51b5\u5982\u4f55\uff1f<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6211\u662f\u5426\u7b26\u5408\u8d37\u6b3e\u4eba\u7684\u6700\u4f4e\u8981\u6c42\uff1f<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6211\u7684\u6536\u5165\u662f\u5426\u7a33\u5b9a\u53ef\u9760\uff1f<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6211\u662f\u5426\u4f1a\u60f3\u8981\u5bfb\u6c42\u8054\u90a6\u5b66\u751f\u52a9\u5b66\u91d1\u7684\u5bbd\u6055\uff1f<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6211\u5e0c\u671b\u4ece\u518d\u878d\u8d44\u8d37\u6b3e\u4eba\u90a3\u91cc\u5f97\u5230\u4ec0\u4e48\u6837\u7684\u652f\u6301\uff1f<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u601d\u8003\u8fd9\u4e9b\u95ee\u9898\u53ef\u4ee5\u5e2e\u52a9\u4f60\u660e\u786e\u4f60\u6700\u7ec8\u60f3\u4ece\u91cd\u65b0\u878d\u8d44\u4f60\u7684\u6559\u80b2\u8d37\u6b3e\u4e2d\u5f97\u5230\u4ec0\u4e48\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u5b66\u751f\u52a9\u5b66\u91d1\u518d\u878d\u8d44\uff1a\u6700\u540e\u7684\u7ed3\u8bba<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5b66\u751f\u52a9\u5b66\u91d1\u518d\u878d\u8d44\u53ea\u662f\u507f\u8fd8\u4f60\u7684\u6559\u80b2\u503a\u52a1\u7684\u4f17\u591a\u65b9\u6cd5\u4e4b\u4e00\u3002\u5982\u679c\u4f60\u4ecd\u7136\u89c9\u5f97\u518d\u878d\u8d44\u9002\u5408\u4f60\uff0c\u90a3\u4e48\u8bf7\u4e0e\u51e0\u4e2a\u8d37\u6b3e\u4eba\u6838\u5bf9\u4f60\u7684\u5229\u7387\uff0c\u770b\u770b\u54ea\u4e00\u4e2a\u53ef\u4ee5\u63d0\u4f9b\u6700\u5177\u7ade\u4e89\u529b\u7684\u5229\u7387\u548c\u6761\u6b3e\u3002\u5bfb\u627e\u4e00\u4e2a\u5f00\u59cb\u4f60\u7684\u641c\u7d22\u7684\u597d\u5730\u65b9\uff01\u4ece<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/get-a-loan\/refinance-international-student-loan\"><span style=\"font-weight: 400;\">MPOWER Financing\u518d\u878d\u8d44<\/span><\/a><span style=\"font-weight: 400;\">\u5f00\u59cb\u3002\u00a0\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u60a8\u662f\u5426\u6709\u5174\u8da3\u51cf\u5c11\u6bcf\u6708\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u4ed8\u6b3e\uff1f\u6839\u636e\u60a8\u7684\u507f\u8fd8\u76ee\u6807\uff0c\u91cd\u65b0\u878d\u8d44\u60a8\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u53ef\u80fd\u662f\u4e00\u4e2a\u597d\u9009\u62e9\uff0c\u4f46\u91cd\u8981\u7684\u662f\u8981\u505a\u5145\u5206\u7684\u7814\u7a76\u3002 \u5b66\u751f\u52a9\u5b66\u91d1\u91cd\u65b0\u878d\u8d44\u662f\u5982\u4f55\u5de5\u4f5c\u7684\uff1f \u8d77\u6e90\u4e8e\u7f8e\u56fd\u6559\u80b2\u90e8\u6216\u5176\u4ed6\u79c1\u4eba\u8d37\u6b3e\u673a\u6784\u7684\u6559\u80b2\u52a9\u5b66\u91d1\u53ef\u4ee5\u5305\u542b\u5728\u91cd\u65b0\u878d\u8d44\u7533\u8bf7\u4e2d\u3002 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