很少看到用贷款的签经，大比例贷款的就更少了，但还是决定试一试，人穷，没有办法……
希望我的经历对用贷款的签友有帮助，也给后来人一些信心，靠贷款也是一样可以签过的。
整个过程还是很challenging，命悬一线的感觉：
Me: Good Afternoon, Sir
VO: (直接问问题) So you have worked in xxx? How long have you worked there?
Me: I have worked in xxx for xxx years since I graduated from xxx university.
VO: Which degree did you graduate with?
Me: xxx
VO: You have had a good job, why will you study MBA? (问这个问题的时候皱着眉头，感觉气氛一下变得很紧张。)
Me: blablabla... 就是说职业目标之类。
VO: (翻我的I20，指着贷款) what is this loan?
Me: It's co-provided by xxx school and xxx bank, and funding is guaranteed. I have a school document about the loan. (拿出学校关于贷款的文件，里面有说贷款条件，直接塞进去，当初学校寄这个文件来是让提供I20的资金证明用的，幸好当时留了心眼把原件留下来，复印了一份填了给学校寄去。)
VO: (看贷款文件)
Me: 他在看得时候就再次康鞔钍且欢ǹ梢源降摹?lt;/p>
VO: How will you repay the loan, it's huge amount of money.
Me: 强调职业目标和毕业后能够得到的收入。
VO: How much do you earn now?
Me: xxx
VO: you earn xxx? (好像觉得还比较多)
Me: yes. I have my income certificate here. ( 递进去自己做的很认真地Asset list) And I have made a loan repayment schedule for myself. ( 递进去自己的loan repayment schedule)
VO: (看我递进去的材料，Asset List因为做的很认真，Vo只看了第一页summary)
Me: I also have the school’s employment data here. (递进学校寄来的毕业生就业薪酬数据)
You see the average income of graduates working in Asia is xxx. I can repay the loan in 2 or 3 years.
VO: How long are you required to repay?
Me: 15 years. But I can repay in 2 or 3 years.
VO: You are required to repay in 15 years! You are really ambitious. (说到这一句终于有了一点笑容)
绿条塞出。
感想：
- 回顾整个过程，感觉有好几次都很危险。但是VO的任何问题我都立刻回答，说话大声确定而且不打磕巴，主动递材料，一边说一边就递进去，努力的争取，是帮助我获得签证的主要原因之一。
- 然后就是关键的材料：financial list, repayment schedule, 学校关于loan的材料和就业数据的材料，准备的比较充分。
- 再有就是VO还是比较耐心的，虽然有疑问，还是给你机会去解释。
感谢CD长久以来的帮助，希望大家的努力都有回报。
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原文引自：
https://forum.chasedream.com/dispbbs.asp?boardID=27&ID=254564
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