Needless to say , it may be very difficult for a foreign student to find a comaker .

不用说，外国学生可能很难找到联贷人。

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”或称联署人，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。