{"id":27654,"date":"2025-11-26T09:23:10","date_gmt":"2025-11-26T14:23:10","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/how-to-budget-for-life-in-the-us-as-an-international-student-without-going-broke"},"modified":"2025-12-02T09:13:32","modified_gmt":"2025-12-02T09:13:32","slug":"how-to-budget-for-life-in-the-us-as-an-international-student-without-going-broke","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-to-budget-for-life-in-the-us-as-an-international-student-without-going-broke\/","title":{"rendered":"\u5982\u4f55\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5728\u7f8e\u56fd\u751f\u6d3b\u9884\u7b97\uff08\u800c\u4e0d\u4f1a\u7834\u4ea7\uff09"},"content":{"rendered":"<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5728\u7f8e\u56fd\u751f\u6d3b\u53ef\u80fd\u4f1a\u4ee4\u4eba\u5174\u594b\uff0c\u4f46\u4e5f\u53ef\u80fd\u4f1a\u5f88\u6602\u8d35\u3002\u5728\u5b66\u8d39\u3001\u4f4f\u5bbf\u3001\u98df\u7269\u548c\u65e5\u5e38\u5f00\u9500\u4e4b\u95f4\uff0c\u5982\u679c\u4f60\u6ca1\u6709\u660e\u786e\u7684\u8ba1\u5212\uff0c\u4f60\u7684\u94b1\u53ef\u80fd\u4f1a\u5f88\u5feb\u6d88\u5931\u3002<\/span><\/p>\n<p class=\"c2\">\u9884\u7b97\u6709\u52a9\u4e8e\u4f60\u4fdd\u6301\u63a7\u5236\uff0c\u907f\u514d\u8d22\u52a1\u538b\u529b\uff0c\u5e76\u5145\u5206\u5229\u7528\u4f60\u5728\u56fd\u5916\u7684\u65f6\u95f4\u3002\u672c\u6307\u5357\u5c06\u6307\u5bfc\u4f60\u5982\u4f55\u5efa\u7acb\u4e00\u4e2a\u7b80\u5355\u3001\u6709\u6548\u7684\u5b66\u751f\u9884\u7b97\uff0c\u5e76\u575a\u6301\u4e0b\u53bb\uff0c\u6240\u6709\u8fd9\u4e9b\u90fd\u5728<span class=\"c22\"><a class=\"c24\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/student-loans-for-studying-overseas\">\u6d77\u5916\u5b66\u4e60<\/a><\/span><span class=\"c0\" style=\"font-weight: 400\">\u7684\u540c\u65f6\u8fdb\u884c\u3002<\/span><\/p>\n<h2 id=\"h.sdzkuep7wod4\" class=\"c7\"><span class=\"c14\" style=\"font-weight: bold\">\u4e86\u89e3\u4f60\u7684\u603b\u53ef\u7528\u8d44\u91d1<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u9996\u5148\uff0c\u5217\u51fa\u4f60\u5728\u5b66\u671f\u6216\u5b66\u5e74\u671f\u95f4\u5c06\u80fd\u591f\u4f7f\u7528\u7684\u6240\u6709\u8d44\u91d1\u3002\u8fd9\u53ef\u80fd\u5305\u62ec\uff1a<\/span><\/p>\n<ul class=\"c1 lst-kix_1s31isobcjf3-0 start\">\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u4e2a\u4eba\u50a8\u84c4<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u5bb6\u5ead\u652f\u6301<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u5956\u5b66\u91d1\u6216\u52a9\u5b66\u91d1<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\">\u6279\u51c6\u7684\u5b66\u751f\u8d37\u6b3e\uff08\u5982<span class=\"c22\"><a class=\"c24\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/get-a-loan\">\u7f8e\u56fd\u7855\u58eb\u7684\u6559\u80b2\u8d37\u6b3e<\/a><\/span><span class=\"c0\" style=\"font-weight: 400\">\uff09<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u5982\u679c\u5141\u8bb8\u7684\u8bdd\uff0c\u6821\u56ed\u5185\u7684\u5de5\u4f5c\u6536\u5165<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u5bf9\u4e8e\u6bcf\u4e2a\u6708\u5b9e\u9645\u53ef\u7528\u7684\u91d1\u989d\u8981\u6709\u73b0\u5b9e\u7684\u9884\u671f\u3002\u4e0d\u8981\u5305\u62ec\u5728\u5b66\u671f\u671f\u95f4\u4e0d\u786e\u5b9a\u6216\u65e0\u6cd5\u4f7f\u7528\u7684\u8d44\u91d1\u3002<\/span><\/p>\n<h2 id=\"h.hk6y2jgxyspi\" class=\"c7\"><span class=\"c14\" style=\"font-weight: bold\">\u4f30\u8ba1\u4f60\u7684\u6bcf\u6708\u5f00\u9500<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u63a5\u4e0b\u6765\uff0c\u5217\u51fa\u4f60\u9884\u671f\u7684\u8d39\u7528\u3002\u8fd9\u4e9b\u8d39\u7528\u4f1a\u6839\u636e\u4f60\u7684\u4f4d\u7f6e\u3001\u4f4f\u623f\u60c5\u51b5\u548c\u751f\u6d3b\u65b9\u5f0f\u800c\u53d8\u5316\u3002<\/span><\/p>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u5e38\u89c1\u7684\u6bcf\u6708\u5f00\u9500\u5305\u62ec\uff1a<\/span><\/p>\n<ul class=\"c1 lst-kix_bnsalruc3qc-0 start\">\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u79df\u91d1\u548c\u516c\u5171\u4e8b\u4e1a<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u6742\u8d27<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u4ea4\u901a\uff08\u516c\u5171\u4ea4\u901a\u3001\u6c7d\u6cb9\u3001\u5171\u4eab\u51fa\u884c\uff09<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u7535\u8bdd\u548c\u4e92\u8054\u7f51\u8d26\u5355<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u5065\u5eb7\u4fdd\u9669\u8d39<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u5b66\u6821\u7528\u54c1\u548c\u4e66\u7c4d<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u5a31\u4e50\u6216\u5916\u51fa\u5c31\u9910<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u4e2a\u4eba\u62a4\u7406\u6216\u6d17\u6f31\u7528\u54c1<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u7d27\u6025\u50a8\u84c4<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u60a8\u7684\u5927\u5b66\u56fd\u9645\u5b66\u751f\u529e\u516c\u5ba4\u53ef\u80fd\u4f1a\u6839\u636e\u5f53\u5730\u751f\u6d3b\u6210\u672c\u63d0\u4f9b\u4e00\u4e2a\u6837\u672c\u9884\u7b97\u3002\u4ee5\u6b64\u4e3a\u8d77\u70b9\uff0c\u6839\u636e\u60a8\u7684\u9700\u6c42\u8fdb\u884c\u8c03\u6574\u3002<\/span><\/p>\n<h2 id=\"h.6rk57omoc65\" class=\"c7\"><span class=\"c14\" style=\"font-weight: bold\">\u5b9a\u671f\u8ffd\u8e2a\u60a8\u7684\u652f\u51fa<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u53ea\u6709\u4e86\u89e3\u60a8\u7684\u94b1\u5728\u54ea\u91cc\u82b1\uff0c\u9884\u7b97\u624d\u80fd\u8d77\u4f5c\u7528\u3002\u4f7f\u7528\u7535\u5b50\u8868\u683c\u3001\u9884\u7b97\u5e94\u7528\u6216\u7b14\u8bb0\u672c\u6765\u8ddf\u8e2a\uff1a<\/span><\/p>\n<ul class=\"c1 lst-kix_6zo3y8hwpfnl-0 start\">\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u60a8\u8ba1\u5212\u82b1\u8d39\u7684\u91d1\u989d<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u60a8\u5b9e\u9645\u82b1\u8d39\u7684\u91d1\u989d<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u4efb\u4f55\u4e3b\u8981\u7684\u4e00\u6b21\u6027\u8d39\u7528\uff08\u5982\u51ac\u5b63\u5916\u5957\u6216\u7b14\u8bb0\u672c\u7535\u8111\u7ef4\u4fee\uff09<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u50cfMint\u3001YNAB\u6216Goodbudget\u8fd9\u6837\u7684\u6d41\u884c\u5e94\u7528\u53ef\u4ee5\u5e2e\u52a9\u60a8\u770b\u5230\u6a21\u5f0f\u5e76\u907f\u514d\u5728\u67d0\u4e9b\u7c7b\u522b\u4e2d\u8fc7\u5ea6\u6d88\u8d39\u3002<\/span><\/p>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u6bcf\u5468\u68c0\u67e5\u4e00\u6b21\uff0c\u8fd9\u6837\u60a8\u53ef\u4ee5\u5728\u9884\u7b97\u504f\u79bb\u8f68\u9053\u4e4b\u524d\u8fdb\u884c\u8c03\u6574\u3002<\/span><\/p>\n<h2 id=\"h.w18dqpy37emt\" class=\"c7\"><span class=\"c14\" style=\"font-weight: bold\">\u4e3a\u4e00\u6b21\u6027\u548c\u5b63\u8282\u6027\u8d39\u7528\u50a8\u84c4<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u6709\u4e9b\u8d39\u7528\u4e00\u5e74\u53ea\u51fa\u73b0\u4e00\u6b21\u6216\u51e0\u6b21\u3002\u5982\u679c\u60a8\u6ca1\u6709\u63d0\u524d\u89c4\u5212\uff0c\u8fd9\u4e9b\u53ef\u80fd\u4f1a\u8ba9\u60a8\u611f\u5230\u60ca\u8bb6\u3002\u5728\u60a8\u7684\u9884\u7b97\u4e2d\u4e3a\u4ee5\u4e0b\u9879\u76ee\u5efa\u7acb\u50a8\u84c4\uff1a<\/span><\/p>\n<ul class=\"c1 lst-kix_1oncry66vnbf-0 start\">\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u5b66\u6821\u5047\u671f\u671f\u95f4\u7684\u65c5\u884c<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u4e0d\u540c\u5b63\u8282\u7684\u670d\u88c5<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u6bcf\u4e2a\u5b66\u671f\u5f00\u59cb\u65f6\u7684\u6559\u79d1\u4e66<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u516c\u5bd3\u62bc\u91d1\u6216\u5bb6\u5177<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u4fdd\u9669\u672a\u8986\u76d6\u7684\u533b\u7597\u9884\u7ea6<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u6bcf\u6708\u7559\u51fa\u4e00\u70b9\u94b1\uff0c\u8fd9\u6837\u8fd9\u4e9b\u8d39\u7528\u5c31\u4e0d\u4f1a\u4e00\u6b21\u6027\u51b2\u51fb\u4f60\u7684\u9884\u7b97\u3002<\/span><\/p>\n<h2 id=\"h.43ufi1oldpeh\" class=\"c7\"><span class=\"c14\" style=\"font-weight: bold\">\u5728\u4e0d\u727a\u7272\u4f60\u7684\u4f53\u9a8c\u7684\u60c5\u51b5\u4e0b\u524a\u51cf\u6210\u672c<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u7406\u667a\u5730\u4f7f\u7528\u91d1\u94b1\u5e76\u4e0d\u610f\u5473\u7740\u4f1a\u9519\u8fc7\u4e00\u4e9b\u4e1c\u897f\u3002\u8bd5\u8bd5\u8fd9\u4e9b\u65b9\u6cd5\u6765\u964d\u4f4e\u5f00\u652f\uff1a<\/span><\/p>\n<ul class=\"c1 lst-kix_xizvv6x1g1qk-0 start\">\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u5728\u5bb6\u505a\u996d\uff0c\u800c\u4e0d\u662f\u5916\u51fa\u5c31\u9910\u3002<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u4f7f\u7528\u4f60\u7684\u5b66\u751f\u8bc1\u8fdb\u884c\u4ea4\u901a\u3001\u535a\u7269\u9986\u548c\u5546\u5e97\u7684\u6298\u6263\u3002<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u8d2d\u4e70\u4e8c\u624b\u4e66\u6216\u4ece\u56fe\u4e66\u9986\u501f\u9605\u3002<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u4e0e\u5ba4\u53cb\u5206\u62c5\u6742\u8d27\u548c\u516c\u7528\u4e8b\u4e1a\u7684\u8d39\u7528\u3002<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u53c2\u52a0\u514d\u8d39\u7684\u6821\u56ed\u6d3b\u52a8\uff0c\u800c\u4e0d\u662f\u6602\u8d35\u7684\u5916\u51fa\u6d3b\u52a8\u3002<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u5728\u4e8c\u624b\u5e97\u8d2d\u4e70\u8863\u7269\u548c\u7528\u54c1\u3002<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u5982\u679c\u4f60\u660e\u667a\u5730\u89c4\u5212\uff0c\u5373\u4f7f\u5728\u9884\u7b97\u8303\u56f4\u5185\uff0c\u4e5f\u4ecd\u6709\u8db3\u591f\u7684\u7a7a\u95f4\u6765\u4eab\u53d7\u4e50\u8da3\u3002<\/span><\/p>\n<h2 id=\"h.tmgx8c5qpmdv\" class=\"c7\"><span class=\"c14\" style=\"font-weight: bold\">MPOWER Financing\u5982\u4f55\u5e2e\u52a9\u5b66\u751f\u7ba1\u7406\u8d39\u7528<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">\u5373\u4f7f\u6709\u4e00\u4e2a\u826f\u597d\u7684\u9884\u7b97\uff0c\u8bb8\u591a\u56fd\u9645\u7814\u7a76\u751f\u4ecd\u9700\u8981\u5e2e\u52a9\u6765\u652f\u4ed8\u4ed6\u4eec\u5b66\u4e60\u7684\u5168\u90e8\u8d39\u7528\u3002MPOWER Financing\u63d0\u4f9b\u4e86\u4e3aF-1\u7b7e\u8bc1\u6301\u6709\u4eba\u8bbe\u8ba1\u7684\u52a9\u5b66\u91d1\uff0c\u65e0\u9700\u62c5\u4fdd\u4eba\u6216\u62b5\u62bc\u7269\u3002<\/span><\/p>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">MPOWER\u52a9\u5b66\u91d1\u53ef\u4ee5\u5e2e\u52a9\u4f60\uff1a<\/span><\/p>\n<ul class=\"c1 lst-kix_cjpmicrwh8ci-0 start\">\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u586b\u8865\u4f60\u7684\u53ef\u7528\u8d44\u91d1\u548c\u5b9e\u9645\u6210\u672c\u4e4b\u95f4\u7684\u5dee\u8ddd<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u907f\u514d\u8fdd\u53cd\u7b7e\u8bc1\u89c4\u5b9a\u5728\u6821\u5916\u5de5\u4f5c<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u65e0\u538b\u529b\u5730\u652f\u4ed8\u5b66\u8d39\u3001\u4f4f\u5bbf\u548c\u751f\u6d3b\u5fc5\u9700\u54c1<br \/>\n<\/span><\/li>\n<li class=\"c2 c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">\u4e13\u6ce8\u4e8e\u4f60\u7684\u5b66\u4e60\uff0c\u800c\u4e0d\u662f\u8d22\u52a1\u4e0a\u7684\u62c5\u5fe7<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c2\">MPOWER <span class=\"c22\"><a class=\"c24\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/no-cosigner-student-loans\">\u79c1\u4eba\u52a9\u5b66\u91d1<\/a> <\/span><span class=\"c0\" style=\"font-weight: 400\">\u5305\u62ec\u900f\u660e\u7684\u6761\u6b3e\u548c\u56fa\u5b9a\u7684\u5229\u7387\uff0c\u56e0\u6b64\u60a8\u53ef\u4ee5\u653e\u5fc3\u89c4\u5212\uff0c\u907f\u514d\u610f\u5916\u8d39\u7528\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a 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