Hello, my name is ***** ***** I will be the immigration attorney helping you today.
They are not asking you because of the payment plan. USCIS always wants to know that you can afford the school and your living expenses in the US. If your I-20 is for 12 months, then you usually have to show at least 12 months worth of money and then explain where the rest will come from. If you do not have it, show what you do have and then get a letter from the school that you are on a payment plan and show how you will pay that.
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