I ngcaciso e bhetele ikhokelela kwiZiko lokuThengwa kweeNgxowa-mali zesiThutho
Emva kokuba "i-Pomp and Circumstance" iphelile, abaninzi abaphumelele kwiikholeji baneenyanga ezintandathu ukufumana ubomi babo bemali ngaphambi kokuba baqale ukubuyisela imali mboleko . Endaweni yokuthatha eli xesha ukuphanda iinketho zabo, nangona kunjalo, bahlala ngokukhawuleza kuyo nayiphi na into enikezelwa ngumniki-mboleko, nangona ibeka umthwalo wemali kubo.
Kunengqiqo ukuba usebenze ngetyala lomboleko lomfundi, nangona kunjalo, kunokuba ulinde uze ucinge.
Imali-mboleko yemfundo yaseburhulumenteni ngokukhethekileyo ineenani leentlawulo zentlawulo ezenza kube lula ukujongana namatyala. Funda malunga nale ndlela ukhetha ngayo ngoku, sebenzisa umlinganisi wokuhlawula, kwaye ufumene isicwangciso esilungele kakuhle imeko yakho yezemali ehlukile:
- Isicwangciso sokuhlawula ngokuqhelekileyo: Esi siyilo sokubuyisela esiya kubelwa "ukuba sinikeze" ukuba ungenzi nto enye. Intlawulo isetyenziswe kwisixa esicwangcisiweyo, kwaye udla ukuhlawula le mali ukuya kwiminyaka eyi-10 - okanye ukufikelela kwiminyaka engama-30 kwiNgxowa-mboleko. Ukuba uvakalelwa kukuba unako ukufumana le mali, ngokuqhelekileyo le ndlela iyona ndlela ihamba phambili njengoko uyazi ukuba uza kuhlawula ixesha elingakanani. Inani elipheleleyo leenqununu kunye nomdla oya kuwuhlawula ngokuqhelekileyo kuncinci kunezinye iindlela.
- IsiCwangciso seNtlawulo yokuTyala: Ukuba umvuzo wakho uqikelele ekuqaleni, kodwa ulindele ukuba iya kunyuka ngaphezu kwexesha, oku kungenokuba kukho okulungileyo. Apha iintlawulo zakho ziya kuba ziphantsi kwaye zanda, ngokuqhelekileyo kwiminyaka emibini. Kuyafana nesicwangciso sokuhlawula ngokuqhelekileyo, uya kudla ukuhlawulela le mali ukuya kwiminyaka eyi-10 okanye ukuya kwi-30 kwiminyaka yokuBambisa iMali. Ngenxa yokuba iintlawulo zakho zokuqala ziphantsi, inzala eninzi ininzi, ukwenzela ukuba isixa-mali esiyihlawulayo ngokukhawuleza siza kuphakama ngaphezu kwesicwangciso esiqhelekileyo.
- Isicwangciso sokuNikwa kweNtlawulo: Ukuba isixa-mboleko sakho siphezulu, okanye ungaziva ukuba uhlahlo lwabiwo-mali luya kufaka imali ephezulu yokubuyisela imali, unokufuna ukubheka ukwandisa isicwangciso sakho sokuhlawula. Iintlawulo zakho zinokumiselwa okanye zigqitywe, kodwa apha idayithi yokubuyisela iya kwandiswa kwi minyaka engama-25. Kwiimeko ezininzi, kufuneka ube needola ezingaphezu kwama-30,000 kwi-mboleko yezikolo zemali ukuba ufanelekele esi sicwangciso. Nangona iintlawulo zakho zenyanga zingaphantsi, ixabiso elihlawulayo liya kuphinda liphakame ngenxa yokuba uza kuhlawula ixesha elide.
- Ukuhlawula okuhlaziyiweyo Njengoko Ufumana iSicwangciso sokuRawula (REPAYE) : Oku akusebenzi kwiiNgxowa-mali zokuQinisa . Kule cwangciso, iintlawulo zakho zenyanga ziya kunqumla kwi-10 ekhulwini yengeniso yakho yokuqonda. Le mali ibalwa kwakhona ngonyaka, ngokusekelwe kwingeniso yakho yangoku kunye nosapho lwakho. Nawuphi na umrhumo wemali-mboleko obalaseleyo uxolelwe ukuba imboleko yakho ayizange ihlawulwe ngokupheleleyo emva kweminyaka engama-20 okanye-25. Gcina ukhumbule ukuba unokuhlawula irhafu yengeniso kunoma yimaphi amaxabiso omboleko oxolelwe, kodwa oku kungenokuba yinto enhle kulabo bacinga i-Public Service Loan Forgiveness (PSLF). Igcina iintlawulo eziphantsi ngelixa usebenza kwinto enokuba ngumsebenzi ohlawulelwayo ophantsi kumdla woluntu.
- Isicwangciso-mali esisisiseko sokuhlawula imali (IBR) : Oku kufana nesicwangciso se-REPAYE, ngaphandle kokuba iquka iMboleko yokuQinisa. Ukuba utshatile, ingeniso yomlingane wakho okanye ityala lomboleko liya kuqwalaselwa kuphela xa ufaka i-tax tax return.
- Isicwangciso-Inkqubo Yokubuyisela Imbuyekezo (ICR) : Oku akusebenzi kwiiNgxowa-mali zokuQinisa. Kule cwangciso, intlawulo yakho yenyanga yincinci engaphantsi kwama-20 epesenti yemali engenayo, okanye imali oya kuhlawula kwisicwangciso sokubuyiselwa ngentlawulo engapheliyo kwiminyaka eyi-12, ulungiswe ngokwemali engenayo.
- Isicwangciso-Sensitive Revenue Plan : Inkokhelo yakho yanyanga zonke isekelwe kwingeniso yonyaka, kodwa ifomula esetyenziselwa ukucacisa inani lemali yokuhlawula liyakwazi ukuhlula ababolekisi bemali. Ixesha lokuhlawula liyiminyaka eyi-15.
Izicwangciso zokuhlawula ziyakutshintshwa nanini na. Kukulungele ukuthetha nomsebenzisi wakho wemali mboleko xa unemibuzo. Izifundo ezifunyenwe kwiikholeji zekholeji nazo zingaba ngumvuzo omkhulu wokuboleka imali kubafundi malunga nokuya kwiikholeji. Yenza izigqibo ezintle malunga nephakheji yakho yenkxaso-mali ngoku, kwaye unokuba ungenayo ingxaki yemali kamva.