Funda ngeZiphulo Zentela ezingasenza isicelo seNkxaso yokuHlola
I-IRS ichaza isikhungo semfundo esifanelekileyo njenge:
"... nayiphi na iikholeji, iyunivesithi, isikolo sobugcisa, okanye esinye isikhungo semfundo esesekondari esifanelekileyo ukuba sithathe inxaxheba kwiinkqubo zenkxaso zabafundi ezilawulwa yiSebe leMfundo le-US. Kuquka bonke abavunyelweyo, abakarhulumente abangenzi nzuzo, nabanini-mali ukufumana inzuzo) kumaziko e-postsecondary.Iziko lezemfundo kufuneka likwazi ukukuxelela ukuba liziko lemfundo elifanelekileyo. "
Ukuba uqwalasela imfundo eyongezelelweyo kuwe okanye ilungu lentsapho licele iziko lemfundo ukuba libhekwa livumelekile phantsi kweMigaqo ye-IRS. Unokujonga kwakhona iSebe leMfundo leMfundo lase-United States uluhlu lwezikolo neziqinisekiso eziqinisekisiweyo.
Indlela yokuPhula kweRhafu
Ukuhoxiswa kwangaphambili kwathathwa kwi-IRA (ukuhoxiswa ngaphambi kokufikelela kwiminyaka yobudala engama-59 / 1/2) kuya kuxolelwa kwerhafu yeerhafu ye-10% xa isetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ezenziwe kwiziko lemfundo elifanelekileyo.
Le ngenye yezinto ezingekho kwi-IRA yokuqala yokurhoxisa irhafu yentlawulo . Iindleko zemfundo ezihlawulelwe wena, umlingane, umntwana okanye umzukulu banako ukufaneleka.
Ukongeza, i-529 isicwangciso sokurhoxiswa siza kuhlawulwa irhafu xa sisetyenziselwa iindleko zemfundo ephakamileyo. Ukuba umntwana wakho ufumana i-scholarship, unako ukurhoxisa imali ukuya kwisixa semali ye-scholarship-free, kodwa iirhafu zentlawulo ziyasebenza kwimeko yokurhoxiswa.
Ukongezelela ukuhlawulwa kweentlawulo ezingenanto okanye ukurhoxiswa kweerhafu kwiintlobo ezithile ze-akhawunti, ukuba uhlawula isikolo esikhungweni semfundo esifanelekileyo unako ukufumana ilungelo lokuthenga ngetyala.
Fumana ukuba Unelungelo lokumangalelwa kweTyala leRhafu yeMfundo
Iwebhusayithi ye-IRS inomxholo wesikhokelo somvuzo wezemfundo zentela onokukunceda ukuba uqinisekise ukuba unelungelo lokuthenga ngetyala. Kuya kuthatha imizuzu elishumi ukugqiba.
Kufuneka ukhethe:
- unyaka werhafu ubuza malunga,
- isimo sakho sokufaka (ongatshatanga, otshatileyo, njl,)
- ukuba uyabanjwa njengomxhomekeke komnye umhlawuli-ntlawulo,
- ukuba isikolo sakho sithathe inxaxheba kwiinkqubo zoncedo lwabafundi,
- ukuba ngaba umfundi ubhalise ubuncinci bexesha,
- Ukuchonga ukuba ngubani umfundi ngokumalunga nomntu ozalisa uphando,
- xa impela imali yemfundo ihlawulwa,
- ohlawule iindleko,
- libuza ukuba nayiphi na iindleko zeendleko zihlawulwa ngemali ehlawulwa irhafu,
- ukuba kukho nayiphi na ukubuyiselwa kwemali,
- ingaba isingenisekanga okanye isabelo esivela kwii-Akhawunti ze-Coverdell ze-Savings Education okanye iiNkqubo zoThutho eziQinisekile,
- ingaba iindleko zezemfundo zihlawulwa okanye zibuyele kwenye indawo,
- ukuba sele sele sele ineminyaka emine yekhredithi yesikolo esikolweni esikhutshwe (isikolo sekolishi)
- Ingeniso ye-Gross edlulileyo yonyaka odlulileyo (AGI,)
- amabango angeniso,
- Ifom ye-8903 yokuveliswa kwemveliso yasekhaya,
- ukufaneleka ukufunwa kwirefayili yomnye umrhafi.
Ukulandela imithetho yeengxowa-mali kunye nekhefu zentela ekuhlawuleleni imfundo kunokukunceda ugcine imali kwaye uhlawule iikholeji ezingabizi.