第4部分(第3/5 頁)

　help　ourselves。　Armed　with　this　reinvigorating　realization；　I　began　to　hoist　myself　out　of　loneliness；　helplessness；　and　disfort。

Since　my　school　did　not　offer　remedial　English　classes　for　immigrant　students；　I　began　studying　with　only　the　help　of　an　English…Chinese　dictionary。　Although　I　was　focused　and　determined；　streams　of　below　average　grades　acpanied　my　first　year　in　school。　Nonetheless；　by　expending　two　to　three　times　the　effort　of　others；　I　started　to　notice　signs　of　improvement。　A　well…timed　vote　of　confidence　came　from　my　seventh…grade　reading　instructor；　Mr。　John　Smith。　In　his　class；　the　highest　possible　grade　——　a　B　——　was　given　to　only　one　student　per　school　year。　Aiming　for　that　coveted　prize；　I　managed　to　improve　my　grades　from　a　D　in　the　first　semester　to　the　B　in　the　final　semester。　At　the　year…end　award　ceremony；　Mr。　Smith　specifically　mended　my　achievement　in　front　of　the　student　body。　While　I　received　many　other　academic　accolades　in　later　years；　no　one　validated　my　efforts　and　boosted　my　self…confidence　more　than　that　short　yet　significant　praise。

Although　it　has　been　fourteen　years　since　I　arrived　in　Prichard；　the　immigrant　experience　has　strengthened　my　character　in　ways　that　will　be　professionally　and　socially　beneficial　for　years　to　e。　As　an　immigrant　child；　I　learned　how　to　transition　from　one　culture　to　another。　This　skill　helped　me　when　I　had　to　make　that　transition　again　as　a　foreign　exchange　student　in　Japan。　Additionally；　having　experienced　the　degradation　of　ethnic　bigotry；　I　have　learned　to　be　sensitive　toward　different　people　and　cultures。

MBA個人助學貸款業務簡介

個人助學貸款：個人助學貸款是指建設銀行向大專院校的學生髮放的人民幣擔保貸款。

個人助學貸款的用途：用於借款人支付在校期間的學費和生活費。

個人助學貸款的物件：年滿十八週歲具有完全民事行為能力的大專院校在冊學生。

借款人的具體條件：

其所在院校必須與建設銀行籤