Isifundo asixhomekekanga kodwa usenokufumana isithuba sekhefu
Uxolo ukuba ube ngumdlali weendaba ezimbi, kodwa impendulo ngokuqhelekileyo, "Hayi." Iindaba ezilungileyo kukuba kukho izibini ezimbalwa kwiindaba ezimbi.
Ukukhutshwa kweeNdleko zezeMfundo
Iindleko zezemfundo zithathwa kuphela kwerhafu kwi-postsecondary education and fees. Oku kuya kubandakanya iikholeji zaseburhulumenteni, iiyunivesithi, izikolo zorhwebo okanye izakhono kunye nenkqubo ephakamileyo yemfundo elandela isikolo esiphakamileyo. Amagama abalulekileyo apha "alandela isikolo esiphakamileyo." Isikolo seBakala kunye nesikolo esiphakamileyo asibalanga.
Kukho iintlawulo ezahlukeneyo zerhafu malunga neendleko zemfundo ezifanelekileyo, nangona kunjalo, njenge-Lifetime Learning Learning kunye ne-American Opportunity Tax Credit. Kukho ukusetyenziswa ngokubanjiswa okukhoyo kwimivuzo kunye nemirhumo ehambelana nayo , kodwa leyo iphelelwe yisikhathi ngo-2017 ngaphandle kokuba iCongress ithathe ukuphefumlela ubomi obutsha kuyo.
Ukukhutshwa kweNkcazo yokuPhambi kweNku- Phambi kweNkcazo
Ngulo owufihla inkqubo yommelwane wesikolo sakho emva kokufunda; iyawa phantsi kwekhefu leNkxaso yoMntwana kunye neNkcazo yokuThengwa kweNtlawulo.
Unokufanelekela lekhefu lokuhlawula irhafu xa umntwana wakho ehamba kwinkqubo yokunyamekela ngaphambi okanye emva kwezikole ukuze usebenze okanye ujonge umsebenzi. Umntwana wakho kufuneka abe mncinci kuneminyaka engama-13. I-IRS ithatha isikhundla sokuba ukuba ikhulile kuneli, ayifuni ukunakekelwa ngononophelo xa ungatholakali. Ukuba utshatile, umlingane wakho kufuneka asebenze okanye afune umsebenzi-ngamanye amagama, akafumanekanga ngeli thuba ukunyamekela umntwana wakho.
Ikhredithi isebenza kwiinkqubo ezizimeleyo nezikarhulumente zesikolo, kodwa kufuneka uhlukanise iindleko zenkqubo yokunyamekela kunoma nayiphi na ikhosi ehlawulwayo ukuba uthumela umntwana wakho kwisikolo sabucala. Isikolo kufuneka sikwazi ukukunceda ngale nto. Inani lemali-mboleko lihluka ngumhlawuli-ntlawulo kwaye libalwe kwi-$ 3,000 kwiindleko zokunakekelwa kwengane ezihlobene nomsebenzi omnye kumntwana omnye, okanye i-$ 6,000 yabantwana ababini okanye ngaphezulu. Ngamanye amagama, ukuba uchitha i-$ 1,500 kwinkqubo yokunyamekela esikolweni emva kwe-school kunye ne-$ 500 kwenkampu yasehlotyeni ukuze usebenze okanye ukhangele umsebenzi, unokubanga ipesenti yeendleko njengetyala lentlawulo. Ipesenti ixhomekeke kwingeniso yakho epheleleyo.
I-Akhawunti ye-Savings Education Coverdell
UMthetho weRhafu woMninimzi waseMelika we-2012 wenza amalungiselelo anesigxina kwi- Akhawunti ye- Coverdell Education Savings Accounts . Oku akusiyo ikhefu yerhafu yokuhlawula isifundo, kodwa ikhefu lentela iyafana. Ayisebenzisi nje kuphela kwiindleko zemfundo zesekondari kodwa nezindleko zesikolo eziphakamileyo kunye nezindleko zesikolo.
Unokufaka isandla kwi $ 2,000 ngonyaka kwi-Coverdell ESA. Iminikelo yakho ayikho inkokhelo ehlawulwa irhafu, kodwa imali yakho ikhula irhafu mahala ngelixa i-akhawunti. Unako ukurhoxisa yonke iminikelo kunye ne- interest-accumulated interest-to qualification and other expenses, ngaphandle kokuhlawula irhafu ngokukhula.
Ngomhla ka-2017, ingeniso yakho epheleleyo ehlengahlengisiweyo kufuneka ibe ngaphantsi kwama-110,000 e-$ ukuze ufanele ukufumana isigxina serhafu ukuba ungatshatanga. Umda ophindwe kabini xa utshatile uze ufake ifayile yokubuyisana. Abaninzi bama-MAGI abahlawuli berhafu bafana neengeniso zabo ezihlaziyiweyo, kodwa jonga ngumphathi werhafu ukuba uqiniseke.
Ukuxothwa kweNkxaso yoNcedo
Le nto ayinakudityaniswa kwemfundo yengane yakho, kodwa iyancitshiswa kwimfundo ngokubanzi. Iminikelo enomvuzo oyenzayo yerhafu echithwayo xa ubeka imali yakho kwiShedyuli A xa ulungiselela ukubuyiswa kweerhafu. Ngokuqinisekileyo, oku kuthetha ukubhekiswa okuqhelekileyo okuqhelekileyo kunenzuzo kubahlawuli berhafu abaninzi.
Iminikelo yokuhlawulela iquka imali oyikiweyo kwiicawa, ezingenzi-nzuzo, nezinye izibonelelo ezifanelekileyo-kwaye ewe, izikolo-ngaphandle kokufumana nantoni na ngokubuyisela.
Ngokomzekelo, abantu bavame ukuthenga ithikithi kwibhola yokunceda, ikhonkethi, okanye omnye umcimbi ukuxhasa inkxaso. Ukuba uhlawula i-$ 100 ithikithi ukuya kumcimbi owawuqhele ukuba uhlawule i-$ 25, ukubaluleka kwangempela kweminikelo yakho ngu-$ 75, kungekhona i-$ 100 epheleleyo. Ufumene into ekutshintshiseni umnikelo wakho.
Ngoko xa uhlawula isifundo kwaye intombi yakho ifumana imfundo ngokutshintshiselana, oku akuhambelani nemigaqo yokufumana umnikelo onobubele. Kodwa ukuba wenza isipho sokunceda esikolweni ngaphezu kwexabiso lemfundo kunye nezinye iirhafu ezihlawulela ukubhaliswa kwentombi yakho, le nxalenye iya kuhlawulwa irhafu.
QAPHELA: Imithetho yerhafu iyatshintsha ngamaxesha, kwaye kufuneka uhlale uqhagamshelana neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengengcebiso yerhafu kwaye ayifaki indawo yeengcebiso zerhafu.