CIS 没有要求 "打出前三个月的记录" 的.

I guess this is required by your school. CIS did not ask "where the money come from?" when I was doing that.

If you have a credit card or some other loan, it is better than "borrow from a friend".

F1 application shall be done by yourself usually. School just provide I-20 and put your infor into SEVIS.

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