The long-term loan usually requires that a foreign student have a" comaker"( or cosigner, who in effect guarantees repayment) who is not related and is either a United States citizen or permanent resident. 长期贷款通常要外国学生有个“联贷人”(称联署人,实际上就是保人)联贷人必须是与学生无亲属关系的美国公民或永久居民。