Rebirth 79: I opened a bank in the United States

Chapter 184 Disadvantages of Ivy League School Admission
The annual interest rate of the special loan used for the HT plan is not high for Carter.The term of the loan is ten years, with an annual interest rate of 12%
Thanks to the convenience of the new bill abolishing the ceiling on residential loan interest rates, Carter's loan, which can be said to be a usury in ordinary years, has no legal loopholes.

But in the same way, compared with the normal residential loan interest rate in the past, the annual interest rate of 12% has doubled to three times.But if it compares with the current commercial loan interest rate in the market, which is heading for 18%, or the long-term residential loan interest rate of about 14%, Carter's setting this interest rate seems extremely conscientious.

So many people who came to borrow money, after seeing the interest rate announced by Forest Bank, simply gritted their teeth and borrowed the full amount of 20.Don't want ht company to invest more and take more shares.
"Carter, your reputation in Pearson is probably better than that of Mr. Leiberding! If you want me to say it, our interest rate is 14%, which is not too much!"

At this time, the time has come to April [-]th.Goodman was on the verge of a grin as he walked into Carter's office.
Obviously, what he said was dissatisfied, but it was just talking, and he was already satisfied in his heart and couldn't be more satisfied!

The demand for loans is stable, and the interest rate is not low!In such a year, what kind of bicycle do you expect?
"By the way, Pearson's No. [-] store will open tomorrow. Do you want to go? Tri Farley just came to see me and asked me to invite you to the opening ceremony. Those brothers are now in business. Tri Farley looks very excited, he should treat you to a big meal~"

"Forget it, I won't go there. I've been so busy during this period that I can't relax with my studies! By the way, how do they feel about using the new equipment? Are you still used to it?"

Smiling and shaking his head, Carter didn't plan to make another trip.

Although it seemed a little unkind, Carter believed that Tri Farley understood him.Who made the admissions of the so-called Ivy League schools so fucked up these days?
In the United States, the nature of the sat test is similar to the Chinese college entrance examination, but it is only similar.The full name of this thing is the Academic Ability Test for High School Graduates, and this score is very important for entering the Ivy League school!But it doesn't seem to be that important
Compared with China's college entrance examination admissions based on points, even if there are any preferential treatment policies, the preferential treatment is reflected in the extra points.Universities ultimately rely on scores to decide whether to admit a student, which is not the case in American universities. Scores are only an important reference standard for university admissions offices when enrolling students.

In addition to scores, that is, academic performance, they will also consider four major items: self-expression, service and contribution to others, family contribution, and extracurricular activities, and evaluate applicants from a total of five directions.

And these four items, in human terms, are
Self-expression: It depends on your personal comprehensive ability, whether you have connections or not.For example, have you ever won any important awards, have you served as class president, student union president, etc., have you received a recommendation letter from a big person, and so on.

In the words of the admissions office of an Ivy League school, this recommendation letter can allow the admissions officers to more completely piece together outstanding qualities such as curiosity, leadership, and charisma beyond the objective conditions you have declared, and can also be passed through a third party. A letter of recommendation to confirm the authenticity of your self-declared personal resume and your consistent dedication and contribution to others. This is easier to understand, just two words: donate!
If you donate [-] million to an Ivy League school these years, even if your child is a fool and born mentally retarded.Those high-ranking Ivy League admissions officers will lower their proud heads and say "Wellcome!" to you kindly.

But obviously, Carter didn't want to spend so much for a university.So this one can basically be ignored, and it has nothing to do with Carter.

Article [-], Family Contribution
If family contribution is replaced by family background, Carter will think this statement is more accurate.

The judgment criteria for this one is also very simple: for example, if you want to take the Harvard exam, at this time you just need to say to the Harvard admissions officer, "My dad is from Harvard, class XX!", ok, here, your application success rate has risen 20%!Then you said "my mother is also from Harvard".
Congratulations, the 40% application success rate has been put into your arms!
However, the problem came again.Neither of my parents have any Ivy League experience, let alone an Ivy League school, and they have never been to a university. This shortcut has no chance for Carter again.
The last extracurricular activity, this Carter, to be honest, was a little unsure whether his situation was in line with the tastes of Ivy League admissions officers.Just as having a letter of recommendation will add points, the high-sounding statement is that the so-called comprehensive quality judgment of students can be made based on the students' extracurricular performance and hobbies.Well, overall quality
But Carter always feels that this one is just like some kindergarten teachers in the previous life who asked the children to draw the logo of their car at home.

For example, I wrote in my application that I like to play with mud outside of class, either playing with expensive plasticine, or using the mud on the ground to make castles and so on, and then I will share with others "I like to go sailing on the beach after school, and spend weekends with my family I go fishing on a yacht, and I also like diving.” Yibi.
Even if he is an old fisherman who can catch everything except fish, and you are an excellent architect who can play with mud and make extremely exquisite castle sculptures, Carter feels that there is a high probability that the Ivy League will choose that one. old fishing.
So here comes the question, since I don't want to donate money, it's a bit difficult for Carter to write about my extracurricular activities and everything about business.

If you write it, the admissions officer will look at it: oh~ You have earned so much money, but you don’t donate a dime. You look down on our university. No, it should be said that you are not in line with our university’s values. We are not here for you.
But if you don't write, what are your extracurricular activities? !

Carter smashed it and found that he didn't seem to have any extracurricular activities that a so-called student should have.I haven't participated in sports activities; I haven't joined music clubs; I haven't read books in reading clubs or reading salons, except for materials.
So if you don't write about extracurricular activities, or if you write mediocrely, it's not very good.It is very difficult for Carter to get into the Ivy League school.
Money, you don't donate!Parents do not have an Ivy League background!You have messed up your extracurricular activities. Similarly, in terms of self-expression, if you can’t write about the fact that you have served as the chairman of ht company, then you have not participated in the duties, activities, and competitions in the school.

Of the five key factors, all four of them have become unfavorable items, unfavorable factors.

Under such circumstances, if he tried his best to increase the SAT score and give the impression of "I'm a nerd" to those admissions officers who look down on others, how could he get into this Ivy League school? !
As for non-Ivy League schools.
Size is also a time traveler, and went to the United States to go to Puben
That's too embarrassing!
(End of this chapter)