Ngokudabukisayo, abafundi abaninzi nabazali bacinga ukuba ngenxa yokufundela iikholeji ezincinci "kungabizi," uncedo lwezemali kubafundi beekholeji abakhoyo.
Uncedo lwezezimali kubafundi abathweswa kwiikholeji ezincinci ziza kuba zilungele ukuba abo bantu abatsha banokuzuza ngokuya kwiminyaka embalwa yekholeji yasekuhlaleni ngaphambi kokubhalisa kwiikholeji leminyaka emine. Akunako kuphela ukugcina imali eninzi kwiindleko zabo zokufunda, kodwa nakwikamelo, kwibhodi, ukutya, iincwadi kunye nokuthutha.
Akuqhelekanga ukuba udinga inkxaso eyongezelelweyo yemfundo epheleleyo yekholeji.
Nangona iindleko zekholejini zanda kwinqanaba elikhawulezayo, imali yokuhlawula iyanzima ukuyifumana, kwaye iindleko zekholeji azigcini nje kuphela kwizifundo zokufunda. Cwangcisa phambili nangolu phulo lweenkqubo ezinkulu zoncedo lwezemali ezifumanekayo kubafundi beekholeji zasekuhlaleni.
Stafford Imali
I-Stafford Imali ingabonelela ngaphezu kwama-100,000 e-$ ngoncedo lwezemali kubafundi beekholeji zasekuhlaleni, kungakhathaliseki ukuba yinani leentsapho okanye i-aseset level. Abafundi ababonisa iimfuno banokufumana amaxabiso amaninzi kunye nemigaqo yokubuyisela. Ukuze ufaneleke, kufuneka ubhalise ubuncinci bexesha lokugqibela kwaye ugcwalise ifom yeF FAFSA .
Umgaqo weNombolo 1 ekubolekweni kukuqonda ngokukodwa imali enokuyiboleka ngayo. Akunandaba nokuba ungumfundi wekholeji ozama ukucwangcisa ikusasa lakho lezezimali okanye ukukhawuleza ukuba ube yikholeji yomntu osetshentshileyo ocinga ngeemali-mboleko zemfundo okanye ezizimeleyo ukuze ahlawule inani lemali-mali yekholeji oye wanikwa.
Ukungayiqondi ukuzinikela kwabo ngokupheleleyo kwezezimali yinkalo enkulu kubafundi beekholeji.
Imali yePerkins
Imali yePerkins ithathwa njengenkqubo efanelekileyo kakhulu yokubolekwa kwemali ye-federal for learners college colleges. Amanani kunye nemigqaliselo yokubuyisela inika inzuzo enkulu kwi-Stafford, PLUS kunye nemali-mboleko yabucala.
Ukuze ufaneleke, kufuneka ukuba ubhalise ixesha-mali kwaye ubonise iimfuno ezinkulu zemali kwifom yakho ye- FAFSA . Le mboleko ikwabafundi abaneemfuno eziyimfuneko zemali.
Azikho zonke izikolo ezithatha inxaxheba kwinkqubo yePerkins Loan. Qhagamshelana neofisi yee-ofisi zoncedo lwezemali ukuze uthole ulwazi oluninzi.
IIMALI ZONKE
INGXELO Imali-mboleko ifumaneka kubazali ukuncedisa ukubonelela ngoncedo lwezemali kubafundi beekholeji zasekuhlaleni. Ngokungafani ne-Stafford nePerkins Imali-mboleko, bayibopheleleko bomzali ukubuyisela. Nangona iirhafu zingabi zikhangeleka njengemali-mboleko yakwa-Stafford nePerkins, iyancinci kunezona zininzi iinkqubo zemboleko. Ukufaka isicelo se-PLUS Loan, kuya kufuneka ukuba ugcwalise ifomu ye-FAFSA kwaye udlulise i-credit check.
Izibonelelo zePell
I-Pell Grants ngenye yeendlela ezingenakulinganiswa zoncedo lwezemali kubafundi beekholeji zasekuhlaleni. Oku kungenxa yokuba ezi bhaso "zizibonelelo" ezingalindelekanga ukuba zibuyiselwe. Abafundi bexesha lesikhathi bafanelekile kodwa baya kufumana umlinganiselo wexabiso lokunciphisa. Ukuqwalaselwa, abafundi kufuneka bazalise ifom yeF FAFSA kwaye babonise iimfuno ezinkulu zemali.
IiNkqubo zoRhulumente
Amaqela amaninzi anika iinkqubo ezibonelela ngoncedo lwezemali kubafundi beekholeji zasekuhlaleni abahlali balapho. Nangona kunjalo, ezininzi zeenkqubo ziyokuqala ukusikwa xa i-state ibona ingxaki yebhajethi.
Ukufaka isicelo soxhaswa ngemali esekweni-karhulumente, qhagamshelana neofisi yenkxaso-mali yesikolo sakho.
Ulwabiwo
Imibutho eyimibutho yabucala, engenzi-nzuzo, kunye namashishini anika abafundi abafundi beekholeji. Kule mibutho, i-college college scholarships inike ithuba lokuchaphazela inani elikhulu labafundi abanomlinganiselo omncinci wemali.
Imeko yakho yezemali iya kutshintsha minyaka yonke. Uya kufuneka uhambise i-FAFSA ngonyaka kwaye ezinye i-scholarships ziphela.
Ukuze ufumane malunga neengxowa-mali zabafundi beekholeji zasekhaya, kufuneka uxoxe neofisi yakho yocandelo lezemali yekholeji kunye nokukhangela iiwebhusayithi ze-scholarship zamahhala.