{"id":987,"date":"2025-07-18T12:01:27","date_gmt":"2025-07-18T16:01:27","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/cant-find-a-cosigner-heres-how-to-still-secure-an-education-loan\/"},"modified":"2025-09-18T06:17:23","modified_gmt":"2025-09-18T06:17:23","slug":"cant-find-a-cosigner-heres-how-to-still-secure-an-education-loan","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/cant-find-a-cosigner-heres-how-to-still-secure-an-education-loan\/","title":{"rendered":"\u627e\u4e0d\u5230\u5171\u540c\u7b7e\u7f72\u4eba\uff1f\u8fd9\u91cc\u662f\u5982\u4f55\u4ecd\u7136\u83b7\u5f97\u52a9\u5b66\u91d1\u7684\u65b9\u6cd5"},"content":{"rendered":"<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u5bf9\u8bb8\u591a\u56fd\u9645\u5b66\u751f\u6765\u8bf4\uff0c\u88ab\u7f8e\u56fd\u6216\u52a0\u62ff\u5927\u5927\u5b66\u5f55\u53d6\u53ea\u662f\u4e00\u534a\u7684\u6311\u6218\u3002\u4e0b\u4e00\u4e2a\u96be\u5173\uff1f\u5f04\u6e05\u695a\u5982\u4f55\u652f\u4ed8\u5b66\u8d39 &#8211; \u5c24\u5176\u662f\u5982\u679c\u4f60\u6ca1\u6709\u5728\u7f8e\u56fd\u7684\u62c5\u4fdd\u4eba\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u4f20\u7edf\u7684\u79c1\u4eba\u8d37\u6b3e\u673a\u6784\u901a\u5e38\u9700\u8981\u4e00\u4e2a\u6709\u672c\u5730\u4fe1\u7528\u8bb0\u5f55\u3001\u6536\u5165\u6216\u62b5\u62bc\u7684\u62c5\u4fdd\u4eba\u3002\u4f46\u8fd9\u5bf9\u5927\u591a\u6570\u56fd\u9645\u7533\u8bf7\u4eba\u6765\u8bf4\u662f\u4e2a\u96be\u4ee5\u63a5\u53d7\u7684\u6761\u4ef6\uff0c\u4ed6\u4eec\u7684\u5bb6\u4eba\u90fd\u5728\u56fd\u5916\uff0c\u5bf9\u5317\u7f8e\u7684\u91d1\u878d\u7cfb\u7edf\u4e0d\u719f\u6089\u3002\u8fd9\u662f\u4e00\u4e2a\u4ee4\u4eba\u6cae\u4e27\u7684\u969c\u788d &#8211; \u6bcf\u5e74\u90fd\u963b\u6b62\u4e86\u6210\u5343\u4e0a\u4e07\u7684\u5b66\u751f\u5165\u5b66\u3002<\/span><\/p>\n<p class=\"c0\">\u4f46\u662f\u6709\u597d\u6d88\u606f\uff1a\u83b7\u5f97\u4e00\u4e2a<span class=\"c12\"><a class=\"c11\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/private-student-loans\">\u79c1\u4eba\u52a9\u5b66\u91d1<\/a><\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0\u800c\u4e0d\u9700\u8981\u62c5\u4fdd\u4eba\u662f\u53ef\u80fd\u7684\u3002\u4f60\u53ea\u9700\u8981\u77e5\u9053\u54ea\u4e9b\u9009\u9879\u9002\u5408\u4f60\u7684\u60c5\u51b5\uff0c\u4ee5\u53ca\u8d37\u6b3e\u673a\u6784\u5b9e\u9645\u4e0a\u9664\u4e86\u4fe1\u7528\u8bc4\u5206\u5916\u8fd8\u5173\u6ce8\u4ec0\u4e48\u3002<\/span><\/p>\n<h2 id=\"h.fyrze2h25en4\" class=\"c17\"><span class=\"c4\" style=\"font-weight: bold\">\u4e3a\u4ec0\u4e48\u62c5\u4fdd\u4eba\u662f\u56fd\u9645\u5b66\u751f\u7684\u4e00\u4e2a\u96be\u9898<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u7f8e\u56fd\u548c\u52a0\u62ff\u5927\u7684\u5927\u591a\u6570\u79c1\u4eba\u8d37\u6b3e\u673a\u6784\u4e25\u91cd\u4f9d\u8d56\u4fe1\u7528\u8bc4\u5206\u3001\u503a\u52a1\u6536\u5165\u6bd4\u548c\u5176\u4ed6\u8d22\u52a1\u6307\u6807\u6765\u51b3\u5b9a\u8c01\u6709\u8d44\u683c\u83b7\u5f97\u52a9\u5b66\u91d1\u3002\u7531\u4e8e\u56fd\u9645\u5b66\u751f\u901a\u5e38\u6ca1\u6709\u672c\u5730\u4fe1\u7528\u8bb0\u5f55\uff0c\u8d37\u6b3e\u673a\u6784\u9700\u8981\u4e00\u4e2a\u62c5\u4fdd\u4eba &#8211; \u4e00\u4e2a\u5982\u679c\u4f60\u4e0d\u80fd\u507f\u8fd8\u52a9\u5b66\u91d1\u7684\u4eba\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u4f46\u8fd9\u91cc\u6709\u4e2a\u95ee\u9898\uff1a<\/span><\/p>\n<ul class=\"c22 lst-kix_vea3z9iwl8dh-0 start\">\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u5927\u591a\u6570\u56fd\u9645\u5b66\u751f\u5728\u7f8e\u56fd\u6216\u52a0\u62ff\u5927\u6ca1\u6709\u4eb2\u8fd1\u7684\u5bb6\u4eba\u6216\u670b\u53cb\u3002<br \/>\n<\/span><\/li>\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u5373\u4f7f\u4ed6\u4eec\u6709\uff0c\u4e5f\u5f88\u5c11\u6709\u4eba\u613f\u610f\uff08\u6216\u6709\u80fd\u529b\uff09\u627f\u62c5\u62c5\u4fdd\u7684\u6cd5\u5f8b\u98ce\u9669\u3002<br \/>\n<\/span><\/li>\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u62c5\u4fdd\u4eba\u7684\u8981\u6c42\u589e\u52a0\u4e86\u538b\u529b\uff0c\u5ef6\u8bef\u4e86\u7533\u8bf7\u6216\u5b8c\u5168\u963b\u6b62\u4e86\u5165\u5b66\u3002<\/span><\/li>\n<\/ul>\n<p class=\"c0\">\u8fd9\u4e9b\u7a81\u51fa\u4e86<span class=\"c12\">\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u516c\u53f8<\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0\u9009\u62e9\u5173\u6ce8\u4f60\u7684\u672a\u6765\uff0c\u800c\u4e0d\u662f\u4f60\u73b0\u5728\u7684\u4fe1\u7528\u7684\u91cd\u8981\u6027\u3002\u8fd9\u4e2a\u6311\u6218\u4e0d\u662f\u5173\u4e8e\u52a8\u673a &#8211; \u5b83\u662f\u5173\u4e8e\u83b7\u53d6\u3002\u8fd9\u5c31\u662f\u66ff\u4ee3\u8d37\u6b3e\u6a21\u5f0f\u7684\u4f5c\u7528\u3002<\/span><\/p>\n<h2 id=\"h.tabjjljlj1ca\" class=\"c17\"><span class=\"c4\" style=\"font-weight: bold\">\u5f53\u4f60\u6ca1\u6709\u62c5\u4fdd\u4eba\u65f6\uff0c\u8d37\u6b3e\u673a\u6784\u5bfb\u627e\u4ec0\u4e48<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u4e0e\u56fd\u9645\u5b66\u751f\u5408\u4f5c\u7684\u8d37\u6b3e\u673a\u6784\u91c7\u53d6\u4e86\u4e0d\u540c\u7684\u65b9\u6cd5\u3002\u4ed6\u4eec\u4e0d\u9700\u8981\u522b\u4eba\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u800c\u662f\u8bc4\u4f30\u4f60\u7684\u672a\u6765\u6f5c\u529b\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u8fd9\u610f\u5473\u7740\u4ed6\u4eec\u53ef\u80fd\u4f1a\u8bc4\u4f30\uff1a<\/span><\/p>\n<ul class=\"c22 lst-kix_4n712nmf90rw-0 start\">\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u4f60\u7684\u5927\u5b66\u548c\u5b66\u4f4d\u8bfe\u7a0b<br \/>\n<\/span><\/li>\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u4f60\u7684\u5b66\u4f4d\u662f\u5426\u80fd\u5e26\u6765\u9ad8\u5c31\u4e1a\u7387\uff08\u4f8b\u5982\uff0cSTEM\uff0cMBA\uff0c\u516c\u5171\u536b\u751f\uff09<br \/>\n<\/span><\/li>\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u4f60\u7684\u5b66\u4e1a\u6210\u7ee9\u548c\u7ecf\u6d4e\u9700\u6c42<br \/>\n<\/span><\/li>\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u4f60\u5f53\u524d\u7684\u7b7e\u8bc1\u548c\u5165\u5b66\u72b6\u6001<br \/>\n<\/span><\/li>\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u4f60\u6bd5\u4e1a\u540e\u7684\u9884\u8ba1\u6536\u5165\u6f5c\u529b<br \/>\n<\/span><\/li>\n<\/ul>\n<p class=\"c0\">\u5728\u8fd9\u4e2a\u6a21\u578b\u4e2d\uff0c<span class=\"c12\">\u6559\u80b2 <\/span><span class=\"c12\">\u52a9\u5b66\u91d1<\/span><span class=\"c12\">\u65e0\u9700\u5171\u540c\u7b7e\u7f72\u4eba<\/span><span class=\"c2\" style=\"font-weight: 400\">\u7684\u9009\u62e9\u53d8\u5f97\u73b0\u5b9e\uff0c\u91cd\u70b9\u5173\u6ce8\u4f60\u7684\u6f5c\u529b\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u4f60\u7684\u8fc7\u53bb\u3002<\/span><\/p>\n<h2 id=\"h.kzsj2nbrfyok\" class=\"c17\"><span class=\"c4\" style=\"font-weight: bold\">\u503c\u5f97\u63a2\u7d22\u7684\u65e0\u5171\u540c\u7b7e\u7f72\u4eba\u52a9\u5b66\u91d1\u9009\u9879\u7c7b\u578b<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">\u5982\u679c\u4f60\u6b63\u5728\u52aa\u529b\u5bfb\u627e\u5171\u540c\u7b7e\u7f72\u4eba\uff0c\u4ee5\u4e0b\u662f\u4e00\u4e9b\u53ef\u4ee5\u8003\u8651\u7684\u66ff\u4ee3\u65b9\u6848\uff1a<\/span><\/p>\n<p class=\"c0\"><span class=\"c20\" style=\"font-weight: bold\">1. \u4e13\u4e3a\u56fd\u9645\u5b66\u751f\u8bbe\u8ba1\u7684\u8d37\u6b3e\u673a\u6784<br \/>\n<\/span><span class=\"c2\" style=\"font-weight: 400\">\u8fd9\u4e9b\u516c\u53f8\u4e13\u95e8\u4e3a\u6ca1\u6709\u7f8e\u56fd\u6216\u52a0\u62ff\u5927\u8d22\u52a1\u5386\u53f2\u7684\u5b66\u751f\u63d0\u4f9b\u8d44\u91d1\u3002\u4ed6\u4eec\u901a\u5e38\u76f4\u63a5\u4e0e\u5927\u5b66\u5408\u4f5c\uff0c\u5e76\u5728\u591a\u4e2a\u56fd\u5bb6\u5de5\u4f5c\u3002MPOWER Financing\u662f\u4e00\u5bb6\u9886\u5148\u7684\u6559\u80b2\u52a9\u5b66\u91d1\u63d0\u4f9b\u8005\uff0c\u63d0\u4f9b\u7684\u52a9\u5b66\u91d1\u53ef\u4ee5\u652f\u4ed8\u5b66\u8d39\uff0c\u5728\u7f8e\u56fd\uff0c\u8fd8\u53ef\u4ee5\u652f\u4ed8\u751f\u6d3b\u8d39\u7528 &#8211; \u65e0\u9700\u5171\u540c\u7b7e\u7f72\u4eba\uff0c\u65e0\u9700\u62b5\u62bc\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c20\" style=\"font-weight: bold\">2. \u653f\u5e9c\u6216\u5f00\u53d1\u94f6\u884c\u9879\u76ee<br \/>\n<\/span><span class=\"c2\" style=\"font-weight: 400\">\u4e00\u4e9b\u5b66\u751f\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u4ed6\u4eec\u7684\u653f\u5e9c\u6216\u4e2d\u592e\u94f6\u884c\u63d0\u4f9b\u7684\u5956\u5b66\u91d1\u6216\u52a9\u5b66\u91d1\u9879\u76ee\u3002\u8fd9\u4e9b\u6709\u65f6\u53ef\u4ee5\u5728\u56fd\u5916\u4f7f\u7528\uff0c\u4f46\u901a\u5e38\u9700\u8981\u5728\u6bd5\u4e1a\u540e\u8fd4\u56de\u56fd\u5185\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c20\" style=\"font-weight: bold\">3. \u57fa\u4e8e\u5927\u5b66\u7684\u63f4\u52a9<br \/>\n<\/span>\u867d\u7136\u7f55\u89c1\uff0c\u4f46\u4e00\u4e9b\u5927\u5b66\u63d0\u4f9b\u65e0\u9700\u5171\u540c\u7b7e\u7f72\u4eba\u7684\u673a\u6784<span class=\"c15\">\u4e3a\u56fd\u9645\u5927\u5b66\u751f\u63d0\u4f9b\u7684\u52a9\u5b66\u91d1<\/span><span class=\"c2\" style=\"font-weight: 400\">\u3002\u8fd9\u4e9b\u901a\u5e38\u8f83\u5c0f\uff0c\u5e76\u9700\u8981\u5f3a\u5927\u7684\u5b66\u672f\u8868\u73b0\u6216\u90e8\u95e8\u63d0\u540d\u3002<\/span><\/p>\n<p class=\"c0\"><span class=\"c20\" style=\"font-weight: bold\">4. \u6df7\u5408\u65b9\u6cd5<br \/>\n<\/span>\u4e00\u4e9b\u5b66\u751f\u5c06<span class=\"c12\">\u56fd\u9645\u5b66\u751f\u5956\u5b66\u91d1<\/span><span class=\"c2\" style=\"font-weight: 400\">\u3001\u50a8\u84c4\u548c\u5c0f\u989d\u65e0\u62c5\u4fdd\u4eba\u52a9\u5b66\u91d1\u7ed3\u5408\u8d77\u6765\uff0c\u4ee5\u5f25\u8865\u8d44\u91d1\u7f3a\u53e3\u3002\u5e76\u4e0d\u603b\u662f\u9700\u8981\u4e00\u4e2a\u5b8c\u7f8e\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u800c\u662f\u9700\u8981\u5c06\u806a\u660e\u7684\u8d44\u6e90\u7ed3\u5408\u8d77\u6765\u3002<\/span><\/p>\n<h2 id=\"h.enclp4awcgoz\" class=\"c17\"><span class=\"c4\" style=\"font-weight: bold\">\u5bf9\u4e8e\u6ca1\u6709\u672c\u5730\u8d22\u52a1\u652f\u6301\u7684\u5b66\u751f\u6765\u8bf4\uff0c\u66f4\u597d\u7684\u8d44\u91d1\u7b79\u96c6\u9014\u5f84<\/span><\/h2>\n<p class=\"c0\">MPOWER Financing\u4e13\u95e8\u4e3a\u6ca1\u6709\u63a5\u89e6\u5230\u4f20\u7edf\u8d37\u6b3e\u7cfb\u7edf\u7684\u56fd\u9645\u548cDACA\u5b66\u751f\u521b\u5efa\u3002MPOWER\u7684<span class=\"c12\">\u65e0\u62c5\u4fdd\u4eba\u5b66\u751f\u52a9\u5b66\u91d1<\/span>\u53ef\u4f9b\u5728<span class=\"c6\"><a class=\"c11\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/get-a-loan\/schools-we-support\">\u7f8e\u56fd\u548c\u52a0\u62ff\u5927\u7684500\u591a\u6240\u8ba4\u53ef\u5b66\u6821<\/a><\/span>\u7684\u56fd\u9645\u5b66\u751f\u4f7f\u7528<span class=\"c2\" style=\"font-weight: 400\">\uff0c\u5e76\u5173\u6ce8\u60a8\u7684\u672a\u6765\u6f5c\u529b\uff0c\u800c\u4e0d\u662f\u60a8\u5f53\u524d\u7684\u4fe1\u7528\u72b6\u51b5\u3002<\/span><\/p>\n<p class=\"c0\">\u901a\u8fc7MPOWER\u7684<span class=\"c15\">\u65e0\u62c5\u4fdd\u4eba\u4e2a\u4eba\u5b66\u751f\u52a9\u5b66\u91d1<\/span><span class=\"c2\" style=\"font-weight: 400\">\uff0c\u56fd\u9645\u5b66\u751f\u53ef\u4ee5\uff1a<\/span><\/p>\n<ul class=\"c22 lst-kix_6k9i4qomimio-0 start\">\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u501f\u6b3eUS$2,001\u81f3US$100,000\uff0c\u7528\u4e8e\u652f\u4ed8\u5b66\u8d39\u3001\u4f4f\u5bbf\u548c\u4fdd\u9669\u3002<br \/>\n<\/span><\/li>\n<li class=\"c0 c9 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">\u9501\u5b9a\u56fa\u5b9a\u7684\u9632\u901a\u80c0\u5229\u7387\uff0c\u6ca1\u6709\u9690\u85cf\u8d39\u7528\u3002<br \/>\n<\/span><\/li>\n<li class=\"c0 c9 li-bullet-0\">\u8bbf\u95ee<span class=\"c6 c20\" style=\"font-weight: bold\"><a class=\"c11\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/resources\/path-2-success\">Path2Success<\/a><\/span><span class=\"c6\"><a class=\"c11\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/resources\/path-2-success\">\uff0c<\/a><\/span>\u4e00\u4e2a\u514d\u8d39\u7684\u804c\u4e1a\u652f\u6301\u5e73\u53f0\uff0c\u63d0\u4f9b\u5c31\u4e1a\u5de5\u5177\uff0c<span class=\"c15\">\u5b66\u751f\u7b7e\u8bc1<\/span><span class=\"c2\" style=\"font-weight: 400\">\u6307\u5bfc\u548c\u7b80\u5386\u51c6\u5907\u3002<br \/>\n<\/span><\/li>\n<li 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