Ingaba iindleko zemali-mboleko zomfundi ziyingozi ngaphezu kwendlu?
Ngaba kubonakala kulungile ukuba ukubuyiselwa kwemali mboleko yomfundi "ixesha" kuqale emva nje kweHalloween? Emva kokwesaba ngezindlu ezinobuncwane kunye nezidalwa ezinwabuzelayo, abaphumelele kwiikholeji zakutshanje banento engathandekiyo ngakumbi ukuyikrakra - ukufika kweefowuni zabo zokuqala zemali mboleko. Ukuthuka okuvela ebhokisini leposi kunokubi kunokuba kuvezwe kwi-All Hallows 'Eva. Kodwa, ungesabi, ukubuyisela imali mboleko yabantwana akudingeki ukuba ugijime ngegazi lakho.
Cinga ngala maqhinga okuhlawula imali
- Yilungelelanisa: Into efanelekileyo yokwenza ebusweni bokuba ukwesaba kukulawula imeko. Hlanganisa ulwazi malunga neengxowa-mali ezikhoyo zabafundi bakho, qinisekisa ukuba ngaba zintlanganisi okanye zabucala, zidibanisa uluhlu lwababoleki bemali-mboleko, fumana ukuba nini kwaye njani ukuqala ukwenza iintlawulo zemboleko, kwaye uqaphele oko kufuneka ukwenze xa unenkathazo yokuhlawula iintlawulo.
- Qinisekisa ukuba ngaba ufanele uqale ukwenza iintlawulo ngoku: Kukho imeko ezininzi apho ungenakuze uqale ukwenza iintlawulo kwiimboleko zezifundi ngokukhawuleza. Ukuba uqhuba imfundo yakho okanye ungena emsebenzini wenkonzo yempi, umzekelo, unokufumana ilungelo lokumiswa. Ukuba unikwe i-deferment awuyi ku funeka wenze iintlawulo kwiimali-mboleko zakho zabafundi, kwaye urhulumente wesigqeba angahlawula umrhumo kwi-Federal Perkins Loan, Imali-mboleko eSebenzisiweyo, kunye / okanye i-Federal Stafford Loan esebenzisiweyo ngelo xesha. Urhulumente akayi kuhlawula umrhumo kuyo nayiphina imali-mboleko engabhawulwanga, nayiphina imali ehlawulwa ngabazali bakho ababoleke yona, okanye nayiphi na imali mboleko yabangasese. Le akuyona inkqubo yokuzenzekelayo, kwaye kuya kufuneka uhambise isicelo sokufakela isikhalazo kumniki-mboleko wakho. Ukuba awukwazi ukwenza iintlawulo zakho zemali mboleko, kodwa ungakufanelekanga ukuhlawulwa, unokufumana ilungelo lokufumana uxanduva. Oku kuya kukuvumela ukuba uyeke ukwenza iintlawulo okanye ukunciphisa intlawulo yakho yenyanga ukuya kwiinyanga ezili-12, kodwa inzala iya kuqhubeka iqhutywe kuzo zombini inkxaso-mboleko kunye neengxowa-mboleko ezingenakuhlawulwa.
- Thatha isilawuli kwisicwangciso sakho sokuhlawula: Ukuba ungenzi nto, uya kubelwa isicwangciso-mboleko seminyaka eyi-10 yemali-mboleko yomfundi wakho, kodwa unokuguquguquka xa ufika kwezi zicwangciso. Zininzi izicwangciso ezifumanekayo ezingasetyala ixesha lokubuyisela, ukulungelelanisa intlawulo yenyanga ngokuthe ngqo kunye neyo ngeniso yakho, okanye ngokuthe ngcembe ukunyusa iimali zokuhlawula njengoko ixesha liqhubeka, kodwa ezi zikhetho azizenzekelayo. Kufuneka uthathe ulawulo, khuluma nomthengisi wakho wemali mboleko, xubushe imeko yakho yezemali ethile kwaye ufake isicelo secebo lokuhlawulwa kwemali mboleko efunyanwa ngumfundi.
- Cinga ngokuhlanganiswa kwemali mboleko: Kuyakwazi ukudideka ukuzama ukugcina umkhondo weentlawulo zonke zenyanga zabanye abafundi, ngoko kuya kunengqiqo ukuqwalasela ukuhlanganiswa kwemali mboleko. Kukho iingenelo ezithile kunye neentsilelo ezihambelana nale nqubo, kodwa inzuzo enkulu kukuba idibanisa yonke imali yakho yemali-mboleko yomfundi kwi-Direct Consolidation Loan. Oku kwenza kube lula ukuhlala kwindlela kunye neentlawulo zakho, nangona iimali-mboleko zabafundi ezizimeleyo azikwazi ukuhlanganiswa kule ntlawulo. Unokusebenza ngokukhawuleza kunye nomthengi wakho wemali mboleko ngokuhlanganiswa kwemboleko, kwaye akumele uhlawule nayiphi na imali. Qinisekisa ukuba uqhubeka uqhuba iintlawulo zakho rhoqo ukuba imali yakho mboleko ayiyi ku-default.
- Yenze kube lula kuwe: Unako ukuhlawula rhoqo ngeposi, kodwa abafundi abaninzi banokukhetha ukuba iintlawulo zabo zenyanga zihlawulwe ngekhompyutheni ukwenjenjalo ukuba bangakhathazeki ngazo.
- Ungesabi ukucela uncedo: Ukuba uzifumanisa ngento encinci yemali, ungazami ukulwa kunye okanye ungayihoyi ingxaki, njengoko zombini izicwangciso ezimbi. Xoxa nomthengisi wakho wemali mboleko ngokukhawuleza, cacisa imeko yakho, wenze konke onokukwazi ukuhlala kwindlela.
Ukwesaba kwethu kutshintsha njengoko sikhula.
Xa usesikolweni esiphakeme, usenokuba uvalo lokuhlawula ikholeji, ukugqiba i-FAFSA , okanye ukufunda ngezemali . Kaloku ukuba ungumfundi wekholeji, uthathe ulawulo lwoloo mboleko lwabafundi.