Yintoni Abazali Nabantwana Abafanele Bazazi Ngaphambi Kokuthatha Imali Yomfundi
Ngaba kulungile ukuthabatha ityala elikhulu ekufumaneni i-degree degree? Ewe. Kodwa abafundi kunye nabazali kufuneka bacinge njengabatyalomali abanengqiqo kwaye bacinge ngamanani amanqaku xa benza izigqibo zezimali ezihlobene nekholeji.
Thatha umzekelo isibini esitshatileyo esinezikhredithi zabafundi ezongezelelweyo zidibanisa ukuya kuma-dollar ayi-1 million. Nangona bobabini bobabini banemisebenzi kwinkalo yezokwelapha kunye neengeniso ezidibeneyo ze-600,000 zamaRandi, kuya kubakho kuthatha iminyaka elishumi ngaphambi kokuba bakwazi ukuphakamisa umthwalo wale mboleko enzima .
Kwaye oko akubandakanyi iindleko eziza ngokuqalisa intsapho xa zigqiba ukuba zifuna abantwana okanye ukukhawuleka okungalindelekanga kwingeniso xa elinye iqabane liphoqeleka ukuba lisebenze iiyure ezimbalwa. Konke ngokuzenzekelayo ezi ngundoqo zenguqu zentlalo zenza iintlawulo zemboleko zanyanga zonke zikhangeleke kwaye zingenakwenzeka. Abafundi abaninzi kunye nabafundi abaphumelele banemiba efana neyo sibini esibhekana nayo kwaye nje ukuba ityala elingakanani lomfundi linokubakho ebomini bakho kunye nemali yakho.
Iklasi ye-2016 abaphumelele kwiikholeji zekholeji zithwele ityala labafundi elilinganiselwa kuma-37,172. Isikolo esikolweni semfundo esiphezulu singaphezulu kwama-30,000 kwi-degree ye-master kwaye ingaba ngaphezu kwe-90,000 zama-dollar ngokomthetho, kwizonyango okanye kwelinye i-degree degree.
Ngaphambi kokwenza Olu hlobo loTyalo-mali, Uya Kufuna Ukuzibuza Le mibuzo emithathu
Liza kuhlawula njani eli nqanaba? Kwabaninzi, ikholeji ingaphezulu nje kokufumana iqondo lokufunda. Yindawo apho abantu abadala abakhululekile ukuba bafunde oko kuthanda ukuhlala ngokwakho, ukufunda ubomi obutsha, izakhono zentlalo nezentlalo, ukwenza abahlobo abatsha, kwaye ufunde indlela yokuhlalisana nokuphila ngendlela efanelekileyo kunye nokuphila komsebenzi.
Ngaloo nto ingqondweni, kubalulekile ukulinganisela iindleko kunye neenzuzo xa unquma apho kwaye ungakanani utyalo-mali kwimfundo ephakamileyo. Umkhwa wokuzama ukuzama ukuthelekisa umvuzo wakho kwintsimi ofuna ukuyilandela ngokubhekiselele kwiindleko zokufumana lelo nqanaba elithile. Mhlawumbi akuyona into ephambili yokuthatha i-$ 100,000 kwi-sikheti kwisikolo esikhethekileyo esikhethwe ukuba uyazi ukuba ufuna ukuba ngumntu onontlalontle okanye ube nguchwepheshe wezilwanyana zasendle.
Kutheni ndifuna ukuhlawula esi sikolo esibizayo? Ukubeka oku ngolu hlobo, khumbula ukuba ikholeji ngumthengi mveliso njengawo nawuphi na. Ezinye iikholeji zineenkcukacha ezinamandla kakhulu ezinamasiko amaninzi kunye nezindlela zokuthengisa ezona zilungileyo. Kubalulekile ukujonga ngaphaya koku konke xa ukhetha ikholeji kuba ityala leemali eziphezulu kakhulu lihlala liqokelela kwizikolo ezizimeleyo ezineempawu ezinamandla kakhulu. Kodwa iikholeji zikarhulumente ezininzi kunye nezikolo ezizimeleyo ezizimeleyo zinika iinketho ezifanayo kunye nemfundo kunye nobomi bekampus ubuncinane. Inqaku elihle lokukhumbula ukuba ikholeji yinto enokuzifaka kuyo, ngaphakathi nangaphandle kweklasi. Unokuba ungahambi esikolweni sakho sephupha kodwa unengqondo efanelekileyo, unokwenza iikholeji ophelile ukuya kuyo uziva ngathi uhlala ekhaya.
Ukukhetha isikolo esincinci kunokuba nocebisa ulwazi lwakho lwekholeji ngokunika amathuba amaninzi okukhanya. Amaxesha amaninzi, abafundi bavame ukuziva bengenakuthemba ngezobuchule babo bezemfundo xa beya kwiziko elikhokelayo nelihloniphekileyo. Izikolo ze-Elite ziquka bonke abafundi besikolo esiphakamileyo abaphezulu kumgangatho wabo, okwenza ukhuphiswano. Ukuya kwiikholeji kawonkewonke kunokukusindisa ekucinezelekeni okungadingekile kunye nokunyanzeliswa, kukunikezela ngendlela elula yokuphumelela.
Ndingayinciphisa nayiphi iindleko zekholeji? Ulwabiwo! Kukho amakhulu ukuya kumawaka eengxowa-mali ezifumanekayo kubafundi nakweyiphi na amanqanaba engeniso. Abafundi abaninzi abanakuziqonda ngamathuba okubhalwa kwemali kuba bafumana ukuba abanelungelo lokuncedisa ngemali. Uphando lwamanye amathuba okubhalisana kwinqanaba lakho kwaye ubuze umcebisi wakho okanye umcebisi malunga naziphi na iingcebiso.
Abo baphelisa ngokuthatha iimboleko zabathengi banokhetho oluthile lokuncedisa. Enye inkampani enkulu yokujonga ngayo i-SoFi.com edibanisa abaphumelele kunye nabafundi (abavela kwi-alma mater efanayo) abafuna ngenyameko indlela yokuncedisa ukunciphisa iindleko zemboleko ngokunciphisa amaxabiso omrhumo, ngamanye amaxesha kuncinci kunokuba ibhanki okanye inkxaso-mali enikezelwa inkxaso kuyenza.
Qinisekisa ukuba uchithe ixesha elibalulekileyo lokuphanda nokuqwalasela apho uza kukholeji kunye nendlela uza kuhlawula ngayo ngenxa yokuba le mzamo uya kuhlawula ixesha elide.