In the past, you could get loan from bank without consigner.  But now

you have to find a cosigner who is US citizen or green card holder,

otherwise it is not easy for an international student to get loan.

今年由于经济危机, 美国大部分学校取消了co-signer free贷款, 意味着拿到

offer后你要自己找到愿意给你签字担保的美国公民或者美国永久居民,否则没有贷款.

今年仍然可以提供无担保人贷款的学校寥寥无几, 只有Harvard, Stanford, Kellogg

and Yale, so far as I know.

关于钱的问题, 你最好先与学校联系搞清楚, 否则即使拿到offer, 可能为钱发愁.