Ikhredithi yentlawulo ye-Federal ixabise i-$ 2,000 kwiindleko zokufundela iikholeji
Unokubanga i-Lifetime Learning Credit kwingxelo yakho yokubuyisela irhafu ukuba wena, lakho iqabane okanye abaxhomekeke kuyo babhalise kwiziko lemfundo elifanelekileyo kwaye unembopheleleko yokuhlawula iindleko zekholeji.
Ngokungafani nenkokhelo ye- American Opportunity , akufuneki ukuba ube kwiminyaka emine yokuqala yeeklasi ze-undergraduate. Nangona uthatha iklasi elilodwa kuphela, ungasebenzisa inzuzo kwi-Lifetime Learning Credit.
Amaziko eMfundo afanelekileyo
Zonke iikholeji ezivunyelweyo kunye neeyunivesithi ziyimfundo efanelekileyo yemfundo . Ukongezelela, izikolo zezifundo kunye namanye amaziko aseprayimari ayafaneleka. Ngokwenene, ukuba isikhungo sifanelekile ukuthatha inxaxheba kwiinkqubo zenkxaso-mali yabafundi ngeSebe leMfundo le-US, ngoko unokusebenzisa isifundo esikhokhelwa esikolweni ngokubamba i-credittime yengxelo yentlawulo yerhafu.
Iimali ezifanelekileyo
Iindleko zokufaneleka ziquka iimali ezihlawulwayo zokufundiswa kwezifundo kunye nayiphina imirhumo efunekayo (njengokubhalisa kunye neemali zomzimba zabafundi). Iindleko zokufaneleka azibandakanyi naziphi na ezi zilandelayo: iincwadi, ukubonelela, izixhobo, igumbi kunye nebhodi, i-inshurensi, iimali zempilo zabafundi, ukuthutha, okanye iindleko zokuhlala.
Kufuneka ube noxanduva lokuhlawula iikholeji kunye neerhafu. Kufuneka kwakhona unciphise iindleko zakho ezifanelekileyo xa ucinga ngekhredithi yakho yerhafu ngemali yenkxaso-mali efunyenwe kwizibonelelo, ukubhalwa kwemali okanye ukubuyiswa kwemali kumqeshi wakho. Awudingi ukunciphisa iindleko zakho ezifanelekileyo, nangona kunjalo, ukuba uhlawula iikholeji zeekholeji usebenzisa iimali eziboleweyo, kubandakanywa imali-mboleko yomfundi, okanye usebenzisa izipho ezivela kumalungu entsapho.
Ngubani ongabanga iCredits Education?
Ukuba unyana wakho okanye intombi yakho iya kwikholeji kwaye uyimbiza njengomntu oxhomekeke kuyo, ngoko unokubanga iikhredithi zemfundo kwirejista yakho yerhafu. Ukuba unyana wakho okanye intombi ayisayixhomekeka, ngoko kufuneka afune ukuba nayiphi iikhredithi zemfundo kwibuyiselo yakhe yerhafu. Ukuba uhlawula iindleko zekholeji kumntu ongekho oxhomekeke kuyo, awukwazi ukutyala nayiphi na inkokhelo yentlawulo.
Imilinganiselo yeNgeniso kwiNkcazo yokuThola iMali
Isixa seNkcazo yokuFundisa iNkcazo yoBomi sincinci kwibala lokuphuma kwinqanaba. Ukuba uhlaziyo lwakho olulungisiweyo lulungelelaniso luphantsi kwe-phase-out, ityala lakho lentlawulo alinciphisi. Ukuba ingeniso yakho iphakathi kwinqanaba lesigaba-mali, ityala lakho lentlawulo liya kuncitshiswa. Ukuba ingeniso yakho ingaphezu kwebala lokuphuma kwinqanaba, awuvumelekanga ukubiza ityala leNkcazo yokuThola yokuFunda.
Ngomnyaka we-2016, iindawo zokuphuma kwerhafu:
- Iingama-55,000 ukuya kwii-65,000 zamawaka: I-Single, iNtloko yeMakhaya, okanye uMhlolokazi onelungelo
- I-110,000 ukuya kwii-130,000 zamawaka: Ukutshata ngokutshata ngokubambisana
Ngomnyaka ka-2015, iindawo zokuphuma kweengeniso zenzalo zi:
- Iingama-55,000 ukuya kwii-65,000 zamawaka: I-Single, iNtloko yeMakhaya, okanye uMhlolokazi onelungelo
- I-110,000 ukuya kwii-130,000 zamawaka: Ukutshata ngokutshata ngokubambisana
Ngomnyaka we-2014 , iindawo zokuphuma kweengeniso zezibonelelo zilandelayo:
- Ama-54,000 ukuya kwii-64,000 zamawaka: i-Single, iNtloko yoMndeni, okanye uMhlolokazi onelungelo
- $ 108,000 ukuya kwii-128,000 zamawaka: Ukutshata ngokutshata ngokubambisana
Ngomnyaka ka-2013 , izigaba zokuphuma kwemali zilandelayo:
- Iifama ezingama-53,000 ukuya kwii-63,000 zamawaka: Ubungashadile, iNtloko yeMakhaya, okanye uMhlolokazi oQinisekayo
- I-107,000 ukuya kwii-127,000 zamawaka: Ukutshata ngokutshata ngokubambisana
Ngomnyaka ka-2012 , iindawo zokuphuma kwimivuzo yilezi:
- I-$ 52,000 ukuya kwii-62,000 zamawaka: Ubunqunu, iNtloko yoMndeni, okanye umhlolokazi onelungelo
- $ 104,000 ukuya kwii-124,000 zama-$: Ukutshata okutshatayo
Ukuthelekisa kunye nezinye iiRhafu zokuHlawuleka kweeMfundo
Ukufundiswa kwerhafu kunye nokuhlawulwa kweerhafu kwaphela ekupheleni konyaka we-2014. Oku kuncitshiswa, okungahle kuhlaziywe yiCongress, kwakufana ne-Lifetime Learning Credit ngoxa ikhefu zentela zifumaneke kuwo nawuphi na umfundi uthatha iiklasi zeekholeji okanye ezinye zezemfundo zasesekondari , kungakhathaliseki ukuba bafunda ngokupheleleyo okanye ixesha lesithuba.
Xa kuthelekiswa ne-American Opportunity Credit, i-Lifetime Learning Credit itholakala kuyo nayiphi na inqanaba lemfundo yesibini-secondary (i-grade-graduate, i-graduate, iikholeji zokwandisa, izikolo zezikhundla kunye nokunye). I-American Opportunity Credit, ngokuchaseneyo, iyafumaneka kuphela kwiminyaka emine yokuqala yezemfundo zasemva kwekondari.
Kwakhona, i-American Opportunity Credit ixhomekeke kubantu abanokufumana imali engaguqukiyo esuka kwii-80,000 ukuya kwii-90,000 zamawaka (abantu abangatshatanga) okanye i-$ 160,000 ukuya kwii-180,000 zamawaka (kubhangqileyo abatshatileyo abafakela ngokubambisana) kunyaka ka-2016.
Ngokwahlukileyo, ngo-2016, i-Lifetime Learning Credit ixhaswa ngabantu abangatshatanga nabangama-55,000 ukuya kwii-65,000 zeengxowa-mali ezilungisiweyo. Ngaloo ndlela i-American Opportunity Credit itholakala kubafundi (okanye abazali babo) ngenqanaba elingeniso lemali eliqhathaniswa ne-Lifetime Learning Credit.
Izixhobo ezivela kwi-IRS
- Ifomu 8863, iCredits Education (pdf)
- Imiyalelo yeFomu 8863 (pdf)
- Izibonelelo zerhafu kwiziko leenkcukacha zezemfundo
- Ubume bemivuzo yoBomi beZifundo
- Ukupapashwa kwe-970, iiNzuzo zeRhafu zeMfundo
Kuhlaziywe ukuhlaziywa nge- 10/26/2015.