Gwema ukuhlawulwa kwemali yomfundi kunye noxolelo lokuxolela

Ukuhlawula Iingxowa-mali Zomfundi Zinzima Kwanele Ngaphandle kokuba zenziwe

Njengokuba kukho enye ikholeji yokuqala, iintsapho ezininzi ziphakathi kokuthatha isigqibo sokuba kusetyenziswe imali-mboleko yomfundi ekuncedeni ukuhlawula ezinye iindleko. Ukuba wenze ngokuhlakanipha, le nto inokuba yindlela efanelekileyo yokuboleka imali ngokulindela ukufumana izakhono eziza kukunceda ukuba uhlawule umvuzo ophezulu. Iingxaki kubafundi abaninzi, ke, baqale emva kokugqitywa kweziqinisekiso xa befumanisa inani elipheleleyo letyala abaye bafumana kwaye abanako ukuhlawula umsebenzi wamaphupha abo.

Intlawulo ngenxa yokuba izaziso ziqala ukufika kwaye umfundi ngokukhawuleza ubhekane nentaba yetyala. Ngaloo ndlela umboleko wezikratshi umfundi uqala ukujikeleza.

Lezi zilwane zidla ixhoba kubafundi abanokujamelana nobunzima bezezimali okokuqala ngqa ebomini babo, ngoko ke abazange benze uphando lwabo kwiindlela ezinokufumaneka kuzo. Banikezela ngesithembiso sokulula kwaye abolekayo bayagxuma kwithuba elingafanelekiyo lokubalekela uxinzelelo olukhulayo. Uninzi lwabafundi abaxhatshazayo bahlawula imali ngenkonzo efunwa kukuba, kuphela ukufumanisa ukuba yinto engumngcipheko. Akunjalo nje kuphela ngemali abaye bahlawula, basuke bangasemva kwabo kwimali-mboleko yabo yabafundi ngaphambili. Nazi izicwangciso ezimbalwa zokukunceda ukuphepha ukuhlawulwa kwemali mboleko kunye nokuxolelwa kweentlawulo:

Yazi i-Loan Servicer yakho

Kukho iintlobo ezimbini zemali-mboleko yomfundi-i-federal kunye yangasese. Le yile mibutho yasekuqaleni eyayikuboleka imali yekholeji. Ekugqibeleni, baqeshise umniki-mboleko wokujongana neentlawulo zakho.

Kulungele ukuba usebenze kuphela nomthengisi wakho wemali mboleko ukuba unobungozi bentlobo ethile yentlawulo. Kufuneka uqiniseke ukuba ufumana izimpendulo ezichanekileyo njengoko ziphathelene nomboleko wakho.

Qaphela ukuxolelwa

Unokufumana umnxeba, okanye ukhangele into ethile kwi-intanethi okanye nge-media media ekhangeleka okanye ivakalise njengezinto ezilungileyo.

Kubonakala kusemthethweni ngento ethi "urhulumente" okanye "Obama" egameni kwaye unikezela ukuxolelwa kwemali yomfundi, ngoko ubiza ukuba ufumane okungakumbi. Umntu ngenye iphelo uthi banokubhongela amawaka eedola kwi-bill loan yakho yomfundi kodwa baya kufuna ama-dollar ambalwa ukufumana iphepha. Bakucebisa ukuba uthenge ivenkile okanye iTunes isipho sesipho kuloo mali kwaye ucele ukuba ufunde inamba kubo. Le ngongoma xa ufuna ukukhankanya ukuba into ephosakeleyo. Xhumana kuphela nomthengisi wakho wemali mboleko ukuze uxoxe ngeendlela zokuxolela umboleko. Kwimeko yeemali-mboleko zomfundi, kukho iindlela ezithile zokuxolelwa ngazo, kodwa awuyi kuhlawulwa ukuba uhlawule nawuphi na umrhumo kwangaphambili kweli thuba. Kukho imibutho esemthethweni enika iinkonzo zengxoxo, kodwa abanakho ukuhlawulisa nayiphi na imirhumo kuze kufikelelwe isivumelwano sangempela.

Musa ukuhlawula into ongayenza yona

Uninzi lweenkcenkceshela uxanduva lwemali ukwenza izinto onokuyenza ngokwakho ngaphandle kokuhlawulwa. Unokuhlanganisa i-loan yomfundi okanye ufune isicwangciso-mali sokuhlawula imali, kwaye usebenzise ngaphandle kwentlawulo. Ukutyelela kwi-website ye-FSA okanye uthethe ngqo kumniki-mboleko wakho ukuze ufunde ngezikhetho zakho ngaphambi kokuhlawula omnye umntu ukwenza lo msebenzi.

Ukuba Kuzwakala Kukho Okuhle Ukuba Yi nyaniso

Leli lizwi elidala, kodwa liyakuthi liyinyaniso. Khawucinge ukuba naluphi na umnikelo wokususa ngokupheleleyo umboleko wakho wesikolo-mboleko ngenxa yokuba oku kunzima ukukwenza. Ukuba bacela inombolo yakho yoKhuseleko loLuntu okanye i-ID ye-FSA ungaba segqatsheni lokungcoliswa okanye ukubiwa kwezisi.