{"id":962,"date":"2025-07-21T12:30:17","date_gmt":"2025-07-21T16:30:17","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/budgeting-as-f1-visa-students-living-in-the-us\/"},"modified":"2025-09-18T06:41:30","modified_gmt":"2025-09-18T06:41:30","slug":"budgeting-as-f1-visa-students-living-in-the-us","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/budgeting-as-f1-visa-students-living-in-the-us\/","title":{"rendered":"\u4f5c\u4e3a\u5728\u7f8e\u56fd\u751f\u6d3b\u7684F-1\u7b7e\u8bc1\u5b66\u751f\u7684\u9884\u7b97\u7f16\u5236"},"content":{"rendered":"<p class=\"c1\">\u4f5c\u4e3aF-1\u7b7e\u8bc1\u7684\u56fd\u9645\u5b66\u751f\u5728\u7f8e\u56fd\u751f\u6d3b\u610f\u5473\u7740\u8981\u5728\u4e25\u683c\u7684\u5de5\u4f5c\u9650\u5236\u4e0e\u771f\u5b9e\u7684\u8d22\u52a1\u8d23\u4efb\u4e4b\u95f4\u627e\u5230\u5e73\u8861\u3002\u5b66\u8d39\u53ea\u662f\u90e8\u5206\u95ee\u9898\u3002\u79df\u91d1\u3001\u98df\u7269\u3001\u4ea4\u901a\u3001\u7b7e\u8bc1\u7eed\u7b7e\u548c\u7d27\u6025\u8d39\u7528\u90fd\u53ef\u80fd\u8fc5\u901f\u7d2f\u79ef\u8d77\u6765 &#8211; \u800c<span class=\"c15\">\u5927\u5b66\u751f\u7684\u9884\u7b97<\/span><span class=\"c5\" style=\"font-weight: 400\">\u9700\u8981\u7684\u4e0d\u4ec5\u4ec5\u662f\u51cf\u5c11\u5916\u5356\u3002<\/span><\/p>\n<p class=\"c1\"><span class=\"c5\" style=\"font-weight: 400\">\u597d\u6d88\u606f\u662f\uff1f\u6709\u4e86\u6b63\u786e\u7684\u7cfb\u7edf\uff0c\u4f60\u53ef\u4ee5\u5efa\u7acb\u4e00\u4e2a\u5e2e\u52a9\u4f60\u611f\u5230\u7a33\u5b9a\u548c\u4e13\u6ce8\u7684\u9884\u7b97 &#8211; \u800c\u4e0d\u4f1a\u611f\u5230\u532e\u4e4f\u3002\u8fd9\u4e2a\u6307\u5357\u662f\u4e13\u95e8\u4e3a\u50cf\u4f60\u8fd9\u6837\u9700\u8981\u5728\u4e0d\u53ef\u9884\u6d4b\u7684\u65f6\u95f4\u7ebf\u4e0a\u5ef6\u4f38\u6709\u9650\u8d44\u91d1\u7684F-1\u7b7e\u8bc1\u5b66\u751f\u5efa\u7acb\u7684\u3002<\/span><\/p>\n<h2 id=\"h.ryabww7kuecg\" class=\"c2\"><span class=\"c23 c7\" style=\"font-weight: bold\">\u7406\u89e3\u4f60\u7684\u7b7e\u8bc1\u5141\u8bb8\uff08\u548c\u9650\u5236\uff09\u7684\u5185\u5bb9<\/span><\/h2>\n<p class=\"c1\"><span class=\"c5\" style=\"font-weight: 400\">\u5efa\u7acb\u4e00\u4e2a\u6709\u6548\u7684\u9884\u7b97\u7684\u7b2c\u4e00\u6b65\u662f\u77e5\u9053\u4f60\u7684\u94b1\u53ef\u4ee5 &#8211; \u548c\u4e0d\u80fd &#8211; \u6765\u81ea\u54ea\u91cc\u3002<\/span><\/p>\n<p class=\"c1\">\u6839\u636e <span class=\"c10\">F-1\u7b7e\u8bc1\u8981\u6c42<\/span><span class=\"c28\">\u00a0\u548c<\/span><span class=\"c5\" style=\"font-weight: 400\">\u00a0\u89c4\u5b9a\uff1a<\/span><\/p>\n<ul class=\"c14 lst-kix_ud7shfet99qb-0 start\">\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c7\" style=\"font-weight: bold\">\u5141\u8bb8\u5728\u6821\u5185\u5de5\u4f5c<\/span><span class=\"c5\" style=\"font-weight: 400\">\u00a0\u6bcf\u5468\u6700\u591a20\u5c0f\u65f6\uff0c\u4ec5\u9650\u5b66\u5e74\u671f\u95f4\u3002<br \/>\n<\/span><\/li>\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c7\" style=\"font-weight: bold\">\u6821\u5916\u5de5\u4f5c<\/span>\u00a0\u53ea\u80fd\u901a\u8fc7 <span class=\"c9\">\u8bfe\u7a0b\u5b9e\u8df5\u57f9\u8bad<\/span><span class=\"c7\" style=\"font-weight: bold\">(CPT)<\/span>\u00a0\u6216 <span class=\"c15\">\u53ef\u9009\u5b9e\u8df5\u57f9\u8bad <\/span><span class=\"c7\" style=\"font-weight: bold\">(<\/span><span class=\"c7\" style=\"font-weight: bold\">OPT)<\/span><span class=\"c5\" style=\"font-weight: 400\">\u00a0\u5e76\u4e14\u5fc5\u987b\u5f97\u5230\u4f60\u7684\u6307\u5b9a\u5b66\u6821\u5b98\u5458(DSO)\u7684\u6279\u51c6\u3002<br \/>\n<\/span><\/li>\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c7\" style=\"font-weight: bold\">\u672a\u7ecf\u6388\u6743\u7684\u5de5\u4f5c<\/span><span class=\"c5\" style=\"font-weight: 400\">\u00a0\u662f\u8fdd\u53cd\u4f60\u7684\u7b7e\u8bc1\u7684\u884c\u4e3a\uff0c\u53ef\u80fd\u4f1a\u5371\u53ca\u4f60\u7684\u8eab\u4efd\u3002<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c1\"><span class=\"c5\" style=\"font-weight: 400\">\u8fd9\u610f\u5473\u7740\u4f60\u5728\u5b66\u6821\u671f\u95f4\u7684\u6536\u5165\u53ef\u80fd\u6709\u9650\uff0c\u7279\u522b\u662f\u5728\u4f60\u7684\u7b2c\u4e00\u5e74\u3002\u4f60\u7684\u9884\u7b97\u9700\u8981\u8003\u8651\u5230\u8fd9\u4e9b\u9650\u5236 &#8211; \u4e0d\u8981\u5047\u8bbe\u6709\u517c\u804c\u6216\u81ea\u7531\u804c\u4e1a\u5de5\u4f5c\u3002<\/span><\/p>\n<p class=\"c1\">\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u5728\u8ba1\u5212\u4efb\u4f55\u5de5\u4f5c\u6536\u5165\u4e4b\u524d\uff0c\u4e86\u89e3<span class=\"c15\">\u56fd\u9645\u5b66\u751f\u7684\u5de5\u4f5c\u6388\u6743<\/span><span class=\"c5\" style=\"font-weight: 400\">\u662f\u5fc5\u8981\u7684\u3002<\/span><\/p>\n<h2 id=\"h.qtnfu3141f96\" class=\"c2\"><span class=\"c23 c7\" style=\"font-weight: bold\">\u5c06\u4f60\u7684\u9884\u7b97\u5206\u89e3\u6210\u73b0\u5b9e\u751f\u6d3b\u4e2d\u7684\u7c7b\u522b<\/span><\/h2>\n<p class=\"c1\"><span class=\"c5\" style=\"font-weight: 400\">\u4f20\u7edf\u7684\u9884\u7b97\u6a21\u677f\u5e76\u4e0d\u603b\u662f\u9002\u7528\u4e8e\u56fd\u9645\u5b66\u751f\u3002\u8bd5\u7740\u8c03\u6574\u8fd9\u4e2a\u5206\u89e3\uff1a<\/span><\/p>\n<p class=\"c1\"><span class=\"c7\" style=\"font-weight: bold\">\u56fa\u5b9a\u8d39\u7528<\/span><span class=\"c5\" style=\"font-weight: 400\">\uff0860-70%\uff09<\/span><\/p>\n<ul class=\"c14 lst-kix_gm85unwsjlju-0 start\">\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c5\" style=\"font-weight: 400\">\u79df\u91d1\u548c\u516c\u5171\u8bbe\u65bd<br \/>\n<\/span><\/li>\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c5\" style=\"font-weight: 400\">\u4fdd\u9669\uff08\u5065\u5eb7\uff0c\u79df\u8d41\u8005\u5982\u679c\u9700\u8981\uff09<br \/>\n<\/span><\/li>\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c5\" style=\"font-weight: 400\">\u5b66\u8d39\uff08\u5982\u679c\u6309\u6708\u6216\u6309\u5b66\u671f\u652f\u4ed8\uff09<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c1\"><span class=\"c7\" style=\"font-weight: bold\">\u5b66\u672f\u8d39\u7528<\/span><span class=\"c5\" style=\"font-weight: 400\">\uff0810-15%\uff09<\/span><\/p>\n<ul class=\"c14 lst-kix_vurdzmbkc4e5-0 start\">\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c5\" style=\"font-weight: 400\">\u6559\u79d1\u4e66\uff0c\u8f6f\u4ef6\uff0c\u5b9e\u9a8c\u5ba4\u8d39\u7528<br \/>\n<\/span><\/li>\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c5\" style=\"font-weight: 400\">\u50cf\u7b14\u8bb0\u672c\uff0c\u5145\u7535\u5668\u6216\u7ed8\u56fe\u8ba1\u7b97\u5668\u8fd9\u6837\u7684\u7528\u54c1<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c1\"><span class=\"c7\" style=\"font-weight: bold\">\u65e5\u5e38\u751f\u6d3b<\/span><span class=\"c5\" style=\"font-weight: 400\">\uff0810-15%\uff09<\/span><\/p>\n<ul class=\"c14 lst-kix_izx96xl1rtgs-0 start\">\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c5\" style=\"font-weight: 400\">\u6742\u8d27\uff0c\u4ea4\u901a\uff0c\u7535\u8bdd\u8ba1\u5212<br \/>\n<\/span><\/li>\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c5\" style=\"font-weight: 400\">\u6d17\u6f31\u7528\u54c1\u548c\u57fa\u672c\u7684\u5bb6\u5ead\u7528\u54c1<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c1\"><span class=\"c7\" style=\"font-weight: bold\">\u7d27\u6025\u57fa\u91d1\u6216\u50a8\u5907<\/span><span class=\"c5\" style=\"font-weight: 400\">\uff085-10%\uff09<\/span><\/p>\n<ul class=\"c14 lst-kix_twxzvhnk5c6-0 start\">\n<li class=\"c1 c4 li-bullet-0\"><span class=\"c5\" style=\"font-weight: 400\">\u610f\u5916\u7684\u65c5\u884c\uff0c\u533b\u7597\u8d39\u7528\uff0cOPT\u671f\u95f4\u7684\u6c42\u804c\u5ef6\u8fdf<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c1\">\u63d0\u793a\uff1a\u4f7f\u7528\u50cfMint\uff0cYNAB\u6216\u4e00\u4e2a\u7b80\u5355\u7684\u7535\u5b50\u8868\u683c\u6bcf\u6708\u5206\u7c7b\u4f60\u7684\u8d39\u7528\u3002\u53ef\u89c6\u5316\u4f60\u7684\u6d88\u8d39\u5e2e\u52a9\u4f60\u4fdd\u6301\u7406\u667a &#8211; \u5e76\u65e9\u53d1\u73b0\u95ee\u9898\u3002\u5bf9\u4e8e\u8d44\u91d1\u7d27\u5f20\u7684\u5b66\u751f\uff0c\u77e5\u9053<span class=\"c15\">\u5982\u4f55\u5728\u7f8e\u56fd\u5efa\u7acb\u4fe1\u7528<\/span><span class=\"c5\" style=\"font-weight: 400\">\u4e5f\u53ef\u4ee5\u4f7f\u7ba1\u7406\u672a\u6765\u7684\u52a9\u5b66\u91d1\u6216\u4f4f\u623f\u6210\u672c\u66f4\u5bb9\u6613\u3002<\/span><\/p>\n<h2 id=\"h.25s5aaytvbhe\" class=\"c2\"><span class=\"c7 c23\" style=\"font-weight: bold\">\u8fdb\u4e00\u6b65\u62c9\u4f38\u4f60\u7684\u9884\u7b97\u7684\u7b56\u7565<\/span><\/h2>\n<p class=\"c1\"><span class=\"c5\" style=\"font-weight: 400\">\u4ee5\u4e0b\u662f\u4e00\u4e9b\u5b9e\u9645\u9002\u7528\u4e8eF-1\u7b7e\u8bc1\u5b66\u751f\u7684\u7b56\u7565\uff1a<\/span><\/p>\n<p class=\"c1\"><span class=\"c7\" style=\"font-weight: bold\">\u5728\u5bb6\u4e2d\u6279\u91cf\u70f9\u996a<br \/>\n<\/span><span class=\"c5\" style=\"font-weight: 400\">\u6279\u91cf\u8d2d\u4e70\u6742\u8d27\u5e76\u6bcf\u5468\u51c6\u5907\u51e0\u6b21\u9910\u98df\u53ef\u4ee5\u8282\u7701\u91d1\u94b1\u548c\u65f6\u95f4 &#8211; \u5e76\u5e2e\u52a9\u907f\u514d\u6602\u8d35\u7684\u98df\u54c1\u914d\u9001\u3002<\/span><\/p>\n<p class=\"c1\"><span class=\"c7\" style=\"font-weight: bold\">\u5bfb\u627e\u5171\u4eab\u8d39\u7528\u7684\u4f4f\u623f<br \/>\n<\/span><span class=\"c5\" style=\"font-weight: 400\">\u4e0e\u5ba4\u53cb\u5171\u4eab\u516c\u7528\u4e8b\u4e1a\u3001\u4e92\u8054\u7f51\u751a\u81f3\u9910\u996e\u7684\u751f\u6d3b\u65b9\u5f0f\u53ef\u4ee5\u5927\u5927\u964d\u4f4e\u6bcf\u6708\u7684\u82b1\u8d39\u3002\u53ea\u9700\u786e\u4fdd\u60a8\u7684\u79df\u8d41\u548c\u6cd5\u5f8b\u5b89\u6392\u660e\u786e\u65e0\u8bef\u3002<\/span><\/p>\n<p class=\"c1\"><span class=\"c7\" style=\"font-weight: bold\">\u968f\u5904\u4f7f\u7528\u60a8\u7684\u5b66\u751f\u8bc1<br \/>\n<\/span><span class=\"c5\" style=\"font-weight: 400\">\u8bb8\u591a\u5f53\u5730\u5546\u5bb6\u3001\u8f6f\u4ef6\u63d0\u4f9b\u5546\u3001\u535a\u7269\u9986\u548c\u516c\u5171\u4ea4\u901a\u7cfb\u7edf\u90fd\u63d0\u4f9b\u5b66\u751f\u4f18\u60e0 \u2013 \u6709\u4e9b\u53ea\u6709\u4f60\u4e3b\u52a8\u8be2\u95ee\u624d\u80fd\u5f97\u5230\u3002 <\/span><\/p>\n<p class=\"c1\"><span class=\"c7\" style=\"font-weight: bold\">\u8d2d\u4e70\u4e8c\u624b\u6216\u501f\u9605\u6559\u6750<br \/>\n<\/span><span class=\"c5\" style=\"font-weight: 400\">\u5229\u7528\u60a8\u7684\u5927\u5b66\u56fe\u4e66\u9986\u7684\u9884\u7559\u526f\u672c\u3001\u5728\u7ebf\u79df\u8d41\u7f51\u7ad9\u6216\u5b66\u751fFacebook\u7fa4\u7ec4\uff0c\u907f\u514d\u6bcf\u672c\u4e66\u652f\u4ed8100\u7f8e\u5143\u4ee5\u4e0a\u7684\u8d39\u7528\u3002<\/span><\/p>\n<p class=\"c1\"><span class=\"c7\" style=\"font-weight: bold\">\u7533\u8bf7\u5185\u90e8\u5956\u5b66\u91d1\u548c\u52a9\u5b66\u91d1<br \/>\n<\/span><span class=\"c5\" style=\"font-weight: 400\">\u5373\u4f7f\u662f\u5c0f\u989d\u5956\u52b1\u6216\u517c\u804c\u89d2\u8272\uff08\u5c24\u5176\u662f\u5728\u60a8\u7684\u7b2c\u4e8c\u5e74\uff09\u4e5f\u53ef\u4ee5\u5e26\u6765\u5f88\u5927\u7684\u6539\u53d8\u3002<\/span><\/p>\n<h2 id=\"h.28snogx4a840\" class=\"c1 c32\"><span class=\"c7 c22\" style=\"font-weight: bold\">\u5728MPOWER Financing\u7684\u652f\u6301\u4e0b\u5efa\u7acb\u8d22\u52a1\u7075\u6d3b\u6027<\/span><\/h2>\n<p class=\"c1\">\u5f53\u60a8\u7684\u6821\u56ed\u6536\u5165\u6709\u9650\u4e14\u6210\u672c\u4e0a\u5347\u65f6\uff0c\u5f88\u96be\u901a\u8fc7\u9884\u7b97\u6765\u89e3\u51b3\u6bcf\u4e00\u4e2a\u77ed\u7f3a\u3002\u8fd9\u5c31\u662f\u5916\u90e8\u8d22\u52a1\u652f\u6301\u548c<span class=\"c15\">\u6559\u80b2\u52a9\u5b66\u91d1\u63d0\u4f9b\u5546<\/span><span class=\"c5\" style=\"font-weight: 400\">\u80fd\u591f\u5e2e\u52a9\u5f25\u8865\u5dee\u8ddd\u7684\u5730\u65b9\u3002<\/span><\/p>\n<p class=\"c1\">MPOWER Financing\u63d0\u4f9b<span class=\"c15\">\u65e0\u9700\u62c5\u4fdd\u4eba\u7684\u5b66\u751f\u52a9\u5b66\u91d1<\/span>\uff0c\u4f9b\u5728\u7f8e\u56fd\u548c\u52a0\u62ff\u5927\u7684\u8ba4\u53ef\u5b66\u6821\u5c31\u8bfb\u7684F-1\u7b7e\u8bc1\u5b66\u751f\u4f7f\u7528\u3002\u52a9\u5b66\u91d1\u91d1\u989d\u8303\u56f4\u4ece2,001\u7f8e\u5143\u5230100,000\u7f8e\u5143\uff0c<span class=\"c5\" style=\"font-weight: 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