{"id":983,"date":"2025-07-21T11:42:56","date_gmt":"2025-07-21T15:42:56","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/hidden-costs-of-studying-abroad-in-the-us-and-how-to-budget-for-them\/"},"modified":"2025-09-18T06:22:52","modified_gmt":"2025-09-18T06:22:52","slug":"hidden-costs-of-studying-abroad-in-the-us-and-how-to-budget-for-them","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/hidden-costs-of-studying-abroad-in-the-us-and-how-to-budget-for-them\/","title":{"rendered":"\u5728\u7f8e\u56fd\u7559\u5b66\u7684\u9690\u85cf\u8d39\u7528\uff08\u4ee5\u53ca\u5982\u4f55\u4e3a\u5176\u9884\u7b97\uff09"},"content":{"rendered":"<p class=\"c0\">\u5982\u679c\u4f60\u6b63\u5728\u51c6\u5907\u5728\u7f8e\u56fd<span class=\"c11\">\u7559\u5b66<\/span>\uff0c\u4f60\u53ef\u80fd\u5df2\u7ecf\u67e5\u8fc7\u4f60\u7684\u5b66\u8d39\u3001\u4f4f\u5bbf\u548c\u5065\u5eb7\u4fdd\u9669\u8d39\u7528\u4e86\u3002\u4f46\u662f\u90a3\u4e9b\u4e0d\u592a\u660e\u663e\u7684\u8d39\u7528 &#8211; \u90a3\u4e9b\u6ca1\u6709\u51fa\u73b0\u5728\u62db\u751f\u9875\u9762\u4e0a\uff0c\u4f46\u53ef\u80fd\u6084\u6084\u62c9\u626f\u4f60\u7684\u9884\u7b97\u7684\u8d39\u7528\u5462\uff1f<\/p>\n<p class=\"c0\"><span class=\"c3\" style=\"font-weight: 400\">\u5bf9\u4e8e\u8bb8\u591a\u56fd\u9645\u5b66\u751f\u6765\u8bf4\uff0c\u7559\u5b66\u7684\u771f\u6b63\u6210\u672c\u53ea\u6709\u5728\u62b5\u8fbe\u540e\u624d\u4f1a\u6e05\u695a\u3002\u800c\u5230\u90a3\u65f6\uff0c\u5f80\u5f80\u5df2\u7ecf\u6765\u4e0d\u53ca\u8c03\u6574\u4e86\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c3\" style=\"font-weight: 400\">\u89c4\u5212\u7f8e\u56fd\u6559\u80b2\u7684\u9690\u85cf\u6210\u672c\u53ef\u4ee5\u4f7f\u4f60\u4fdd\u6301\u5728\u6b63\u786e\u7684\u8f68\u9053\u4e0a &#8211; 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style=\"font-weight: bold\">\u6280\u672f\u548c\u8f6f\u4ef6<br \/>\n<\/span><span class=\"c3\" style=\"font-weight: 400\">\u8bb8\u591a\u9879\u76ee\u9700\u8981\u7279\u5b9a\u7684\u7b14\u8bb0\u672c\u7535\u8111\u3001\u8f6f\u4ef6\u8bb8\u53ef\u8bc1\u6216\u5b9e\u9a8c\u5ba4\u8d39\u7528\u3002\u5de5\u7a0b\u3001\u5efa\u7b51\u6216\u8bbe\u8ba1\u5b66\u751f\u53ef\u80fd\u9762\u4e34\u66f4\u9ad8\u7684\u4e0e\u6280\u672f\u76f8\u5173\u7684\u8d39\u7528\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c14\" style=\"font-weight: bold\">\u5b66\u672f\u989d\u5916\u8d39\u7528<br \/>\n<\/span><span class=\"c3\" style=\"font-weight: 400\">\u9884\u8ba1\u4e66\u7c4d\u3001\u5b9e\u9a8c\u6750\u6599\u3001\u6253\u5370\u548c\u6709\u65f6\u9700\u8981\u7684\u5b9e\u5730\u8003\u5bdf\u6216\u4f1a\u8bae\u65c5\u884c\u7684\u8d39\u7528\u3002\u8fd9\u4e9b\u8d39\u7528\u901a\u5e38\u4e0d\u5305\u62ec\u5728\u5b66\u8d39\u6216\u5956\u5b66\u91d1\u4e2d\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c14\" style=\"font-weight: bold\">\u4e13\u4e1a\u53d1\u5c55<br \/>\n<\/span><span class=\"c3\" style=\"font-weight: 400\">\u4e3a\u9762\u8bd5\u88c5\u626e\u3001\u53c2\u52a0\u793e\u4ea4\u6d3b\u52a8\u6216\u53c2\u52a0\u4f1a\u8bae\u7684\u8d39\u7528\u53ef\u80fd\u4f1a\u8fc5\u901f\u7d2f\u79ef &#8211; \u5c24\u5176\u662f\u5982\u679c\u4f60\u6b63\u5728\u5bfb\u627e\u4e00\u4e2a\u6709\u7ade\u4e89\u529b\u7684\u5b9e\u4e60\u6216\u53ef\u9009\u7684\u5b9e\u8df5\u57f9\u8bad\uff08OPT\uff09\u673a\u4f1a\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c14\" style=\"font-weight: bold\">\u533b\u7597\u4fdd\u5065\u7f3a\u53e3<br \/>\n<\/span><span class=\"c3\" style=\"font-weight: 400\">\u5373\u4f7f\u6709\u5927\u5b66\u4fdd\u9669\uff0c\u60a8\u53ef\u80fd\u8fd8\u9700\u8981\u652f\u4ed8\u90e8\u5206\u8d39\u7528\uff0c\u6216\u8005\u9762\u4e34\u7259\u79d1\u548c\u89c6\u529b\u4fdd\u5065\u7684\u9ad8\u989d\u8d39\u7528\u3002\u4e00\u4e2a\u7b80\u5355\u7684\u6025\u8bca\u8bbf\u95ee\u53ef\u80fd\u9700\u8981\u81ea\u4ed8\u6570\u767e\u7f8e\u5143\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c14\" style=\"font-weight: bold\">\u65e0\u85aa\u5b9e\u4e60\u6216\u5de5\u4f5c\u5ef6\u8fdf<br \/>\n<\/span><span class=\"c3\" style=\"font-weight: 400\">\u5982\u679c\u60a8\u7684\u5b9e\u4e60\u662f\u65e0\u85aa\u7684\uff0c\u6216\u8005\u60a8\u7684OPT\u9700\u8981\u4e00\u6bb5\u65f6\u95f4\u6765\u5904\u7406\uff0c\u60a8\u53ef\u80fd\u4f1a\u6709\u51e0\u4e2a\u6708\u5728\u56fd\u5185\uff0c\u4f46\u6ca1\u6709\u6536\u5165\u3002<\/span><\/p>\n<p class=\"c0\">\u8fd9\u4e9b\u73b0\u5b9e\u5e38\u5e38\u63a8\u52a8\u5b66\u751f\u8003\u8651<span class=\"c11\">\u5916\u56fd\u5b66\u751f\u7684\u52a9\u5b66\u91d1<\/span><span class=\"c3\" style=\"font-weight: 400\">\u6765\u652f\u4ed8\u771f\u6b63\u7684\u8d39\u7528\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u5b66\u8d39\u3002<\/span><\/p>\n<h2 id=\"h.s79jsvrib8fq\" class=\"c25 c13\"><span class=\"c1\" style=\"font-weight: bold\">\u73b0\u5b9e\uff08\u548c\u4e3b\u52a8\uff09\u7684\u9884\u7b97<\/span><\/h2>\n<p class=\"c0\">\u4e3a\u4e86\u907f\u514d\u4ee5\u540e\u7684\u8d22\u52a1\u538b\u529b\uff0c\u4f60\u9700\u8981\u8d85\u8d8a\u201c\u751f\u5b58\u6a21\u5f0f\u201d<span class=\"c11\">\u4e3a<\/span><span class=\"c11\">\u5927\u5b66<\/span><a id=\"cmnt_ref5\" href=\"#cmnt5\" target=\"_blank\" rel=\"noopener\"><\/a><span class=\"c11\">\u5b66\u751f<\/span><span class=\"c3\" style=\"font-weight: 400\">\u9884\u7b97\uff0c\u5e76\u50cf\u89c4\u5212\u8005\u4e00\u6837\u601d\u8003\u3002\u4ee5\u4e0b\u662f\u65b9\u6cd5\uff1a<\/span><\/p>\n<ul class=\"c20 lst-kix_whpvi5mbmyoo-0 start\">\n<li class=\"c0 c10 li-bullet-0\"><span class=\"c14\" style=\"font-weight: bold\">\u4e3a\u4f60\u7684\u524d\u516d\u4e2a\u6708\u521b\u5efa\u4e00\u4efd\u9010\u884c\u9884\u7b97<\/span><span class=\"c3\" style=\"font-weight: 400\">\uff0c\u5305\u62ec\u4ece\u6742\u8d27\u5230\u4fdd\u8bc1\u91d1\u7684\u6240\u6709\u8d39\u7528\u3002<br \/>\n<\/span><\/li>\n<li class=\"c0 c10 li-bullet-0\"><span class=\"c14\" style=\"font-weight: bold\">\u6bcf\u6708\u9884\u7559\u4e00\u90e8\u5206\u7f13\u51b2<\/span><span class=\"c3\" style=\"font-weight: 400\">\u7528\u4e8e\u610f\u5916\u652f\u51fa &#8211; 100-200\u7f8e\u5143\u662f\u4e00\u4e2a\u597d\u7684\u76ee\u6807\u3002<br \/>\n<\/span><\/li>\n<li class=\"c0 c10 li-bullet-0\"><span class=\"c14\" style=\"font-weight: bold\">\u4f7f\u7528\u5e73\u5747\u4ef7\u683c<\/span><span class=\"c3\" style=\"font-weight: 400\">\u5bf9\u4e8e\u4f60\u7684\u57ce\u5e02 &#8211; \u4e0d\u662f\u5168\u56fd\u4f30\u8ba1\u3002\u5728\u7ebd\u7ea6\u751f\u6d3b\u4e0e\u5728\u7231\u8377\u534e\u751f\u6d3b\u975e\u5e38\u4e0d\u540c\u3002<br \/>\n<\/span><\/li>\n<li class=\"c0 c10 li-bullet-0\"><span class=\"c14\" style=\"font-weight: bold\">\u8be2\u95ee\u4f60\u7684\u5927\u5b66<\/span><span class=\"c3\" style=\"font-weight: 400\">\u662f\u5426\u6709\u4e00\u4e2a\u4f30\u8ba1\u7684\u201c\u51fa\u52e4\u6210\u672c\u201d\u5206\u89e3\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u5b66\u8d39\u3002<\/span><\/li>\n<li class=\"c0 c10 li-bullet-0\"><span class=\"c14\" style=\"font-weight: bold\">\u89c4\u5212OPT\u65f6\u95f4\u7ebf<\/span><span class=\"c3\" style=\"font-weight: 400\">\u8fd9\u6837\u4f60\u5c31\u77e5\u9053\u6536\u5165\u53ef\u80fd\u4f1a\u5728\u6bd5\u4e1a\u540e\u6682\u505c\u6216\u665a\u4e9b\u65f6\u5019\u5f00\u59cb\u3002<\/span><\/li>\n<\/ul>\n<p class=\"c0\">\u5bf9\u4e8e\u8fd9\u4e9b\u7f3a\u53e3\uff0c\u63a2\u7d22<span class=\"c11\">\u79c1\u4eba\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1<\/span><span class=\"c3\" style=\"font-weight: 400\">\u53ef\u4ee5\u5f25\u8865\u201c\u521a\u597d\u591f\u7528\u201d\u548c\u201c\u8db3\u4ee5\u7e41\u8363\u201d\u4e4b\u95f4\u7684\u5dee\u8ddd\u3002<\/span><\/p>\n<h2 id=\"h.ke9vf21otlij\" class=\"c13 c25\"><span class=\"c1\" style=\"font-weight: bold\">\u586b\u8865\u7f3a\u53e3\u7684\u8d22\u52a1\u5de5\u5177<\/span><\/h2>\n<p class=\"c0\"><span class=\"c3\" style=\"font-weight: 400\">\u5373\u4f7f\u662f\u6700\u5468\u8be6\u7684\u9884\u7b97\uff0c\u4e5f\u53ef\u80fd\u5728\u5176\u4ed6\u57ce\u5e02\u51fa\u73b0\u5b9e\u4e60\u673a\u4f1a\uff0c\u6216\u8005\u5728\u5b66\u671f\u4e2d\u9047\u5230\u610f\u5916\u7684\u5065\u5eb7\u6216\u6280\u672f\u8d39\u7528\u65f6\u51fa\u73b0\u77ed\u7f3a\u3002\u8fd9\u5c31\u662f\u7075\u6d3b\u7684\u8d44\u91d1\u53ef\u4ee5\u5e2e\u52a9\u7684\u5730\u65b9 &#8211; \u800c\u4e0d\u4f1a\u7834\u574f\u4f60\u7684\u6559\u80b2\u8ba1\u5212\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c3\" style=\"font-weight: 400\">MPOWER Financing\u652f\u6301\u56fd\u9645\u5b66\u751f\uff1a<\/span><\/p>\n<ul class=\"c20 lst-kix_mi303lesva2i-0 start\">\n<li class=\"c0 c10 li-bullet-0\"><span class=\"c14 c11\" style=\"font-weight: bold\"><a class=\"c19\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/no-cosigner-private-student-loans\">\u65e0\u9700\u5171\u540c\u7b7e\u7f72\u4eba\u7684\u52a9\u5b66\u91d1<\/a><\/span><span class=\"c3\" style=\"font-weight: 400\">\u00a0\u9002\u7528\u4e8e\u83b7\u6279\u7684\u7f8e\u56fd\u548c\u52a0\u62ff\u5927\u5927\u5b66<br \/>\n<\/span><\/li>\n<li class=\"c0 c10 li-bullet-0\"><span class=\"c14\" style=\"font-weight: bold\">\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u91d1\u989d\u4ece2,001\u7f8e\u5143\u5230100,000\u7f8e\u5143<\/span><span class=\"c3\" style=\"font-weight: 400\">\uff0c\u4e0d\u4ec5\u5305\u62ec\u5b66\u8d39\uff0c\u8fd8\u5305\u62ec\u5728\u7f8e\u56fd\u7684\u751f\u6d3b\u548c\u5b66\u672f\u8d39\u7528\u4ee5\u53ca\u5728\u52a0\u62ff\u5927\u7684\u6240\u6709\u5927\u5b66\u5f00\u5177\u7684\u8d39\u7528<br \/>\n<\/span><\/li>\n<li class=\"c0 c10 li-bullet-0\"><span class=\"c32 c14\" style=\"font-weight: bold\"><a class=\"c19\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/resources\/path-2-success\">Path2Success<\/a><\/span><span class=\"c3\" style=\"font-weight: 400\">\uff0c\u4e00\u4e2a\u514d\u8d39\u7684\u652f\u6301\u5e73\u53f0\uff0c\u63d0\u4f9b\u5e2e\u52a9\u4f60\u627e\u5de5\u4f5c\uff0c\u4e3aOPT\u9884\u7b97\u548c\u5e94\u5bf9\u804c\u4e1a\u8f6c\u53d8\u7684\u5de5\u5177<br \/>\n<\/span><\/li>\n<li class=\"c0 c10 li-bullet-0\"><span class=\"c14\" style=\"font-weight: bold\">\u56fa\u5b9a\u7684\uff0c\u9632\u901a\u80c0\u7684\u5229\u7387\u548c\u6ca1\u6709\u9690\u85cf\u8d39\u7528<\/span><span class=\"c3\" style=\"font-weight: 400\">\uff0c\u8ba9\u4f60\u53ef\u4ee5\u6e05\u6670\u5730\u89c4\u5212<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c0\">\u4f60\u8fd8\u53ef\u4ee5\u5c06MPOWER\u52a9\u5b66\u91d1\u4e0e<span class=\"c11\"><a class=\"c19\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/international-scholarships\">\u56fd\u9645\u5956\u5b66\u91d1<\/a><\/span><span class=\"c3\" style=\"font-weight: 400\">\u00a0\u6216\u517c\u804c\u6536\u5165\u76f8\u7ed3\u5408 &#8211; \u7ed9\u4f60\u66f4\u591a\u7684\u81ea\u7531\u6765\u5904\u7406\u8ba1\u5212\u5916\u7684\u8d39\u7528\uff0c\u540c\u65f6\u4e13\u6ce8\u4e8e\u6700\u91cd\u8981\u7684\u4e8b\u60c5\uff1a\u4f60\u7684\u5b66\u4e60\u3002<\/span><\/p>\n<h2 id=\"h.7s49yu3swb5\" class=\"c25 c13\"><span class=\"c1\" style=\"font-weight: bold\">\u806a\u660e\u7684\u5b66\u4e60\u610f\u5473\u7740\u806a\u660e\u7684\u9884\u7b97<\/span><\/h2>\n<p class=\"c0\">\u5728\u56fd\u5916\u83b7\u5f97<span class=\"c31\">\u7855\u58eb\u5b66\u4f4d<\/span><span class=\"c3\" style=\"font-weight: 400\">\u00a0\u662f\u4f60\u53ef\u4ee5\u505a\u7684\u6700\u6709\u529b\u7684\u6295\u8d44\u4e4b\u4e00 &#8211; 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