Ama-529 ayenzelwe ukuSebenza kunye noScholarships
Isicwangciso se- 529 luhlobo lwe-akhawunti yerhafu yokutyala inzuzo eyenzelwe ngokukodwa ukugcinwa kwekholeji . Ngokukhula kokungahlawulwa kweerhafu kunye nokuhoxiswa kwemfundo ephakamileyo, kucingelwa ukuba i-akhawunti engcono ukuyisebenzisa xa ulondoloze imfundo ephakamileyo.
Nangona kunjalo, abazali abaninzi banenkxalabo yokuba ukuba nefuthe lotshintsho olubekwe bucala kwiikholeji lunokuchaphazela ukufaneleka komntwana ekufundiseni okanye ngokunye uncedo lwezemali. Kuthekani kuthi xa umntwana efumana i-scholarship kwaye imali epheleleyo ayifuni esikolweni?
Ngaba unako ukufikelela kwimali eseleyo?
Nantsi impendulo ephakamileyo: ama-529 awachaphazeli uphando lwabasebenzi kunye nokunciphisa impembelelo yokulondolozwa kwezibonelelo ezixhomekeke kwimfuno. Ngaphezu koko, ukuba ufumana i-scholarship, unako ukurhoxa inani le-scholarship ngaphandle kwesihlwayo.
Ngaphambi kokuba sitshintshe kwimpendulo enzulu, kunjalo, kukho izinto ezimbalwa ezaziyo malunga nokuncedisa ngemali.
Okokuqala, kukho iintlobo ezininzi zoncedo lwemali. Ezi zibandakanya u-scholarships, izibonelelo, iimboleko, kunye neenkqubo zokufunda umsebenzi. Uluhlu olubalulekileyo lokukhumbuza kukuba, ngokungafani nemali-mboleko, ama-scholarships kunye nezibonelelo azidingeki zihlawulwe kwakhona.
Kukho inani lezinto eziya ekunqumeni ukufaneleka komfundi ukufumana uncedo lwezemali, zeziphi iindidi ezifanelekileyo, kunye nemali abayifumanayo. Kwaye kubonakala ukuba abafundi basebenzise eziliqela zezi zinto zidibeneyo ukuhlawula iikholejini, kunye nokulondoloza kunye nenzuzo yentsapho.
Ngeenjongo zeli nqaku, siza kugxininisa kwi-scholarships kunye nezibonelelo (oko kukuthi, izinto ezingadingi ukuhlawulwa kwakhona).
Ngoxa isigama sesigama sinokudideka, kwinqanaba elisisiseko singachaza umahluko njengemali-mali esekelwe kwimfundo okanye inkxaso-based based grants.
Uthando lwe-529 loMphumo njani?
Iindaba ezilungileyo kukuba ukuba u-scholarships-based-scholarships, u-529 ukugcinwa akukho mpembelelo. Kwaye nangona kungenzakonakalisa ukuba ngumfundi ochanekileyo-A, kuxhomekeke kwintlangano enikezela ukubhalwa kwemali, kukho iindidi "zokufaneleka" ngaphandle kwamabanga angatshatyalaliswa.
Ezi ziquka imidlalo, imisebenzi yangaphandle kunye neminqweno, iiklabhu, iincwadana kunye nezinye iintambo, inkulu okanye inkundla yokufunda, kunye nokunye. Ngaphezulu, kukho iitoni zokubhalisana ngaphandle, ezinikezelwa iikholeji kunye neeyunivesithi ngokwabo, imibutho yabasebenzi, abaxhamli bamacandelo, iinkampani, uluntu kunye neminye imibutho.
Izibonelelo ezixhomekeke kwiimfuno, izicwangciso ze-529 zinomthelela othile, kodwa zinokukunceda ukunciphisa impembelelo yokulondoloza ikolishi kunye nokulondoloza kwezinye iindidi zee-akhawunti.
Yintoni efunekayo?
Amagranti aqhelekileyo anikezelwa nguRhulumente waseburhulumenteni, kodwa uthi kananjalo iprogram zenkxaso. Iminye imibutho, amaziko, kunye noluntu nabo banikeza izibonelelo kubafundi ngokusekelwe kwimfuno.
Kuba urhulumente wesigqeba kunye namanye amaziko anikezela ngegranti, ukufaneleka kuya kugqitywa usebenzisa i-FAFSA, okanye i-Free Application ye-Federal Student Aid. Ngokusekelwe kwingcaciso oyinikezelayo xa ugqiba i-FAFSA, i-Contribution Family Family Contribution (EFC) iya kugqitywa.
Ukusuka apho, i-Federal Federal Aid Aid Office inquma i-Student's Financial Aid ngokukhupha i-Contribution Family Family (EFC) kwixabiso elipheleleyo leNtlanganiso (i-COA), kubandakanya ukufundiswa, iifizi, igumbi kunye nebhodi, iincwadi / iimpahla kunye nokuthutha.
Ukwahlukana yiNkxaso Yemali Yomfundi, nangona kunjalo, iphakheji yenkxaso-mali yemali (okubandakanya izibonelelo kunye nemali-mboleko ) inokwenza okanye ayiyi kubhalela i-Total Financial Assistance. Ngenxa yesi sizathu, kungangozi ukuphepha ukugcinwa kwikholeji enethemba lokuncedisa ngemali kuza kugcwalisa ikhefu.
Ubunikazi be-akhawunti ye-529 benza umehluko kwimpembelelo enayo. Ukususela kuma-529s ngokuqhelekileyo iimpahla eziphantsi komzali, zivame ukuhlolwa kwi-5,64% e-EFC. Oku kuthetha ukuba iphakheji yenkxaso yabafundi incitshiswe likhulu le-5.64 ekhulwini lexabiso le-asethi. Ngakolunye uhlangothi, i-asethi yomnini-mali (njenge-trust okanye i-akhawunti yokuphepha) ihlolwa kwizinga eliphezulu kakhulu lama-20 ekhulwini.
Ukuba ngaba i-529 iphethwe ngumnye umntu (umzekelo, ootatomkhulu), i-akhawunti ayinayo impembelelo de uze uqale ukuthatha ihoxiswa.
Ezi zimele zixelelwe njengengeniso engafumanekanga kumfundi ochaphazela uncedo lwezemali lonyaka olandelayo.
Ezinye izikolo zingasebenzisa kwakhona iProfayili yeCSS ekuhloleni ukufaneleka kwemali, nangona kunjalo. Le fomu isebenzisa indlela eyahlukileyo ekubaleni impahla yeentsapho kwaye ingaba nokuxolelwa ngokuthe ngqo kwiiplani ezingama-529. Umzekelo, i-asethi kwisicwangciso se-529 esine-grandparent ayikho ingxelo kwi-FAFSA, kodwa abafundi bangacelwa ukuba bafake kwiProfayili yeCSS. Izikolo ezingamakhulu ambalwa zisebenzisa iProfayili yeCSS, ngoko ke ngaphandle kokuba umfundi wakho ehamba kwenye yalezi zinto, akunakwenzeka ukuchaphazela ukufaneleka kwemali yomfundi wakho.
Iimpembelelo zoScholarships 529s njani?
Kuthekani ukuba umntwana wakho ufumana i-scholarship kwaye awusayidingi yonke imali oyigcine kwi-529 yakho? Ngelixa unako ukuhlawula igalelo lakho langaphambili ngaphandle kweerhafu okanye izigwebo, inxalenye "yemali" inokuthi ihlawulwe i-10% yeentlawulo xa ingahlawulwanga iindleko ezifanelekileyo.
Nangona kunjalo, iiplani ezingama-529 zinikeza ukuxolelwa okukhethekileyo kwezifundo. Ukuba umntwana wakho ufumana i-scholarship, uyakwazi ukurhoxisa inani le-scholarship ngaphandle kokuhlawula isohlwayo.
Kodwa, uya kufuneka uhlawule irhafu kwi-portion ye-earnings ye-retraction, ngoko ke ingcamango engcono ukuyisebenzisa kwizinye iindleko ezifanelekileyo okanye utshintshe umxhamli ukuba imali ayifuni ngumfundi wokuqala.
Ngaphantsi
Nangona iifom yeemfuno zeemali zilungele ukuguqulwa kwaye kunokubakho iimeko ezichaziweyo zesikolweni okanye ezikolo , ngokubanzi, iiplani ezingama-529 zenzelwe ukuxhasa xa unelungelo lokufumana iimali-mali okanye izibonelelo.
Kubafundi abafumana i-scholarship, isixa-mali sinokurhoxiswa ngaphandle kwehlwayo kwi-akhawunti ye-529 (okanye ingasetyenziselwa uluhlu lwezinye iindleko.)
Izifundo zokufundisa ezixhaswa ngamarhwebo azichaphazeli kwizicwangciso ezingama-529, kwaye ngenxa yokuba ixabiso lezi zicwangciso livavanywa kwizinga eliphantsi, zinokunciphisa igalelo lokulondoloza ukufaneleka kwezibonelelo ezixhomekeke kwimfuno.
Ingaba banako ukugcina imali okanye bekungenjalo, abafundi abaninzi bafumanisa ukuba kukho ikhoyo phakathi kweendleko zeekholeji-kuquka ukufundiswa, igumbi kunye nebhodi, iincwadi kunye nokunye-kunye nephakheji yenkxaso-mali abayifumanayo. Isicwangciso se-529 sinokukunceda ukugqithisa eso sithuba, kwaye sikwazi umfundi ukuba aphumelele nge-ncinane (okanye ayikho) ityala.