{"id":26009,"date":"2023-04-04T03:12:58","date_gmt":"2023-04-04T07:12:58","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/how-do-international-students-financially-survive-in-the-usa\/"},"modified":"2025-08-09T18:04:11","modified_gmt":"2025-08-09T18:04:11","slug":"how-do-international-students-financially-survive-in-the-usa","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-do-international-students-financially-survive-in-the-usa\/","title":{"rendered":"\u56fd\u9645\u5b66\u751f\u5982\u4f55\u5728\u7f8e\u56fd\u7ecf\u6d4e\u4e0a\u751f\u5b58\uff1f"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u79bb\u5f00\u81ea\u5df1\u7684\u7956\u56fd\u5230\u7f8e\u56fd\u5b66\u4e60\u662f\u4e00\u9879\u5de8\u5927\u7684\u627f\u8bfa\u3002\u4f5c\u4e3a\u4e00\u540d\u56fd\u9645\u5b66\u751f\uff0c\u4f60\u4e0d\u4ec5\u8981\u9002\u5e94\u65b0\u7684\u6587\u5316\u548c\u73af\u5883\uff0c\u8fd8\u5fc5\u987b\u786e\u4fdd\u4f60\u5728\u653b\u8bfb\u5b66\u4f4d\u7684\u540c\u65f6\u80fd\u591f\u8d1f\u62c5\u5f97\u8d77\u81ea\u5df1\u7684\u751f\u6d3b\u8d39\u7528\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2022\u5e74\u7f8e\u56fd\u5927\u5b66\u7406\u4e8b\u4f1a\u7684\u5927\u5b66\u5b9a\u4ef7\u548c\u5b66\u751f\u52a9\u5b66\u91d1\u8d8b\u52bf\u62a5\u544a\u53d1\u73b0\uff0c\u5168\u65e5\u5236\u7684\u5916\u5dde\u672c\u79d1\u751f\u57282022-23\u5b66\u5e74\u9700\u8981\u9884\u7b9745,240\u7f8e\u5143\u3002\u8fd9\u4e2a\u6570\u5b57\u662f\u9488\u5bf9\u56db\u5e74\u5236\u7684\u516c\u7acb\u5927\u5b66\u6216\u5927\u5b66\u3002\u5728\u79c1\u7acb\u7684\u56db\u5e74\u5236\u975e\u8425\u5229\u673a\u6784\u5b66\u4e60\u7684\u56fd\u9645\u5b66\u751f\u53d1\u73b0\u4ed6\u4eec\u7684\u5f00\u652f\u66f4\u9ad8\uff0c\u8fbe\u523057,570\u7f8e\u5143\u3002\u5982\u679c\u4f60\u6b63\u5728\u653b\u8bfb\u7814\u7a76\u751f\u6216\u4e13\u4e1a\u5b66\u4f4d\uff0c\u9884\u8ba1\u8fd9\u4e2a\u8d39\u7528\u4f1a\u589e\u52a0\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8fd9\u4e9b\u9884\u7b97\u73b0\u5728\u53ef\u80fd\u4f1a\u8ba9\u4f60\u611f\u5230\u60ca\u8bb6\uff0c\u4f46\u4f5c\u4e3a\u4e00\u540d\u56fd\u9645\u5b66\u751f\uff0c\u53ea\u8981\u63d0\u524d\u89c4\u5212\uff0c\u5c31\u6709\u53ef\u80fd\u5728\u7f8e\u56fd\u7ecf\u6d4e\u4e0a\u751f\u5b58\u4e0b\u6765\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u5728\u7f8e\u56fd\u7684\u751f\u6d3b\u8d39\u7528\u6709\u591a\u5c11<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u652f\u4ed8\u5b66\u8d39\u548c\u8d39\u7528\u53ea\u662f\u9700\u8981\u9884\u671f\u7684\u4e00\u4e2a\u8d22\u52a1\u56e0\u7d20\u3002\u5728\u4f60\u5728\u7f8e\u56fd\u5b66\u4e60\u7684\u65f6\u5019\uff0c\u4f60\u8fd8\u9700\u8981\u652f\u4ed8\u5fc5\u8981\u7684\u65e5\u5e38\u7269\u54c1\u3002\u4ee5\u4e0b\u662f\u4ece\u5404\u79cd\u6765\u6e90\u6536\u96c6\u76842022-23\u5e74\u7684\u8d39\u7528\uff0c\u4ee5\u8bf4\u660e\u4f60\u53ef\u80fd\u4f1a\u9047\u5230\u7684\u7f8e\u56fd\u7684\u5e73\u5747\u6bcf\u6708\u751f\u6d3b\u8d39\u7528\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u4f4f\u623f\uff1a<\/b><span style=\"font-weight: 400;\">\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>\u6821\u56ed\u5bbf\u820d\u548c\u4f19\u98df\uff1a<\/b><span style=\"font-weight: 400;\"> \u7f8e\u51431,025\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>\u6821\u5916\u4f4f\u623f\uff1a<\/b><span style=\"font-weight: 400;\"> \u7f8e\u51431,339<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u98df\u7269\uff1a <\/b><span style=\"font-weight: 400;\">\u7f8e\u5143444<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u533b\u7597\uff1a <\/b><span style=\"font-weight: 400;\">\u7f8e\u514352<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u4e66\u7c4d\u548c\u7528\u54c1\uff1a<\/b><span style=\"font-weight: 400;\"> \u7f8e\u5143103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u4ea4\u901a\uff1a <\/b><span style=\"font-weight: 400;\">\u7f8e\u514372<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u5a31\u4e50\uff1a <\/b><span style=\"font-weight: 400;\">\u7f8e\u514383<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u5176\u4ed6\uff1a <\/b><span style=\"font-weight: 400;\">\u7f8e\u5143234<\/span><\/li>\n<\/ul>\n<p><b>\u5927\u81f4\u6bcf\u6708\u603b\u652f\u51fa\uff1a<\/b><span style=\"font-weight: 400;\">US$2,170<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">\u6765\u6e90\uff1a\u5927\u5b66\u7406\u4e8b\u4f1a\uff0c\u52a0\u5229\u798f\u5c3c\u4e9a\u5b66\u751f\u63f4\u52a9\u59d4\u5458\u4f1a\uff0c\u6559\u80b2\u6570\u636e<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">\u60a8\u4e2a\u4eba\u5b9e\u9645\u7ecf\u5386\u7684\u8d39\u7528\u53ef\u80fd\u4e0e\u4e0a\u8ff0\u663e\u793a\u7684\u4e0d\u540c\u3002\u50cf\u60a8\u5b66\u6821\u7684\u5b66\u8d39\uff0c\u60a8\u5c45\u4f4f\u7684\u5730\u533a\u4ee5\u53ca\u60a8\u5982\u4f55\u7cbe\u6253\u7ec6\u7b97\u7b49\u56e0\u7d20\u4f1a\u5f71\u54cd\u60a8\u7684\u603b\u751f\u6d3b\u8d39\u7528\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u5982\u4f55\u5728\u7f8e\u56fd\u7ecf\u6d4e\u72ec\u7acb<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u4ee5\u4e0b\u662f\u4e00\u4e9b\u5728\u653b\u8bfb\u5b66\u4f4d\u8fc7\u7a0b\u4e2d\u5728\u7f8e\u56fd\u5b9e\u73b0\u7ecf\u6d4e\u72ec\u7acb\u7684\u65b9\u6cd5\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u7533\u8bf7\u5956\u5b66\u91d1<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5956\u5b66\u91d1\u88ab\u89c6\u4e3a\u793c\u7269\u578b\u52a9\u5b66\u91d1\u3002\u8fd9\u610f\u5473\u7740\u60a8\u4e0d\u9700\u8981\u507f\u8fd8\u5b83\u4eec\u3002\u60a8\u5e94\u8be5\u7533\u8bf7\u5956\u5b66\u91d1\uff0c\u800c\u4e14\u6ca1\u6709\u5956\u5b66\u91d1\u91d1\u989d\u7684\u4e0a\u9650\u3002\u901a\u5e38\u7531\u4ee5\u4e0b\u673a\u6784\u63d0\u4f9b\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u60a8\u7684\u7956\u56fd<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u60a8\u7684\u5b66\u6821<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5b66\u4f4d\u9879\u76ee\u7684\u90e8\u95e8<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u975e\u8425\u5229\u7ec4\u7ec7<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u79c1\u8425\u516c\u53f8<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5f53\u5730\u793e\u533a\u56e2\u4f53<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4e13\u4e1a\u534f\u4f1a<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u7136\u800c\uff0c\u5956\u5b66\u91d1\u53ef\u80fd\u5b58\u5728\u7ade\u4e89\u3002\u60a8\u5fc5\u987b\u6ee1\u8db3\u6bcf\u4e2a\u9879\u76ee\u7684\u8d44\u683c\u8981\u6c42\uff0c\u8bb8\u591a\u5956\u5b66\u91d1\u8fd8\u6709\u989d\u5916\u7684\u8981\u6c42\uff0c\u5982\u5199\u4e00\u7bc7\u4e2a\u4eba\u8bba\u6587\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8981\u5f00\u59cb\u5bfb\u627e\u5956\u5b66\u91d1\u673a\u4f1a\uff0c<\/span><a href=\"https:\/\/www.internationalstudent.com\/scholarships\/search\/\"><span style=\"font-weight: 400;\">\u4f7f\u7528\u56fd\u9645\u5b66\u751f\u5956\u5b66\u91d1\u641c\u7d22<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u6216\u8005\u770b\u770b\u60a8\u662f\u5426\u6709\u8d44\u683c\u83b7\u5f97<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/scholarships\"><span style=\"font-weight: 400;\">MPOWER\u5956\u5b66\u91d1<\/span><\/a><span style=\"font-weight: 400;\">\u3002\u7f8e\u56fd\u56fd\u52a1\u9662\u8fd8\u63d0\u4f9b\u4e86\u4e00\u4e2a\u6709\u7528\u7684<\/span><a href=\"https:\/\/educationusa.state.gov\/find-financial-aid\"><span style=\"font-weight: 400;\">\u56fd\u9645\u5b66\u751f\u5956\u5b66\u91d1\u5217\u8868<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u5217\u51fa\u4e86\u4e0d\u540c\u5b66\u6821\u7684\u5956\u5b66\u91d1\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u83b7\u53d6\u793c\u7269\u52a9\u5b66\u91d1<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Grants for international students are also available. Grants are also classified as gift aid that you don\u2019t have to pay back as long as you meet the program requirements.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are also paid assistantships and fellowship awards that help you earn money while living in the U.S. while performing work opportunities that are relevant to your studies. Additionally, fellowship awards available to graduate-level international students.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your home country might offer such programs, as do some schools, and private and public organizations. Learn about more grant programs by searching through the Institute of International Education\u2019s <\/span><a href=\"https:\/\/fundingusstudy.org\"><span style=\"font-weight: 400;\">Funding for U.S. Study database<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Finding part-time work<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another option outside of gift aid, is working part-time to earn income. Students with an F-1 visa are allowed to work on-campus for up to 20 hours per week while school is in session. In addition to meeting visa requirements, you must be actively registered in the Student and Exchange Visitor Information System.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In some scenarios, F-1 international students might be permitted to work an off-campus job. However, you must have completed a full year of study toward your program, and have a qualifying economic hardship that meets certain requirements.. If approved, you\u2019ll need to fill out additional paperwork .<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Borrowing education loans for international students<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another way to cover your expenses while studying in the U.S. is through student loans. Education loans are an installment loan that you\u2019ll need to pay back over time, plus interest charges.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some student loans for international students are designed to cover varying amounts of academic costs. For example, <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/get-a-loan\"><span style=\"font-weight: 400;\">MPOWER student loans<\/span><\/a><span style=\"font-weight: 400;\"> range from US$2,001 to US$100,000 for those who qualify.<\/span><\/p>\n<p><a class=\"btn btn-primary\" href=\"https:\/\/app.mpowerfinancing.com\/eligibility\"><span style=\"font-weight: 400;\">Apply Now<\/span><\/a><\/p>\n<h3><span style=\"font-weight: 400;\">Sharing costs with a roommate (or two)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u627e\u4e00\u4e2a\u5ba4\u53cb\u5171\u4eab\u751f\u6d3b\u8d39\u7528\u662f\u56fd\u5185\u548c\u56fd\u9645\u5b66\u751f\u5e38\u7528\u7684\u7b56\u7565\u3002\u4f60\u53ef\u4ee5\u4e0e\u6bcf\u4e2a\u5ba4\u53cb\u5e73\u5747\u5206\u644a\u6240\u6709\u5171\u4eab\u8d39\u7528\uff0c\u4ee5\u51cf\u5c11\u4f60\u7684\u603b\u6708\u652f\u51fa\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f8b\u5982\uff0c\u5206\u644a\u79df\u91d1\u3001\u5171\u4eab\u6742\u8d27\u4ee5\u53ca\u5bb6\u5ead\u516c\u7528\u4e8b\u4e1a\u548c\u670d\u52a1\u7684\u8d39\u7528\uff0c\u5982\u7535\u8d39\u3001Wi-Fi\u3001\u71c3\u6c14\u548c\u6c34\u8d39\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u62e5\u6709\u5ba4\u53cb\u4e0d\u4ec5\u53ef\u4ee5\u5728\u7ecf\u6d4e\u4e0a\u5e2e\u52a9\u4f60\uff0c\u4ed6\u4eec\u8fd8\u53ef\u4ee5\u5e2e\u52a9\u4f60\u5efa\u7acb\u4e00\u4e2a\u652f\u6301\u6027\u7684\uff0c\u957f\u671f\u7684\u793e\u533a\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u9884\u7b97\u65e5\u5e38\u5f00\u652f<\/span><\/h3>\n<p><span style=\"font-weight: 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