01 Yintoni Ukuhlanganiswa Kwemali Yomfundi?
Kutheni Ndingadibanisa?
Izizathu eziphambili zokuqwalasela ukuhlanganiswa kwemboleko yezikolo zi:
- Kungenzeka ukuba iintlawulo zenyanga ziphantsi
- Ixabiso lentlawulo elungisiweyo
- Bhala kuphela isheke enye yemali mboleko
- Ukuhlawulwa kweentlawulo ngexesha elinzima
Ngokuxhomekeke kwiimeko zakho, ezi zinto zinokuthakazelisa okanye akunakuthi. Ukuba unganenkxalabo malunga nokunyuka kwamaxabiso, umzekelo, unokuba unganandaba nokufumana isilinganiselo esinqunyiwe. Ngokufanayo, ukuba wenza iintlawulo zakho ngaphandle kobunzima, awunakho isidingo seentlawulo eziphantsi.
Ukuhlanganiswa Kwentengo YeeNgxowa-mali Zabafundi?
Kukho iinkqubo ezininzi zokuhlanganiswa kwetyala ngaphandle. Iiprogram zokuhlanganiswa kwemali-mboleko zabantwana zihlukile kuba zibonelela ngezibonelelo ezithile eziza kuphela ngemali-mboleko yabafundi. Iimbalwa ezimbalwa zeggygies zi:
- Awunelanga ukufaneleka ngokusekelwe kumanqaku akho ekhredithi
- Akukho mali ekhoyo ekhoyo
- Unako ukuhlawula imali yentlawulo
- Amatyala akhutshwa ngokufa kwabo bonke abolekayo
- Inzala ehlawulwe kwiimali-mboleko zabafundi ingahlawulwa irhafu
Ngokubanzi, ukuhlanganiswa kunenzuzo xa udibanisa imali yemali-mboleko yomfundi phantsi komyinge weprogram yokuxhaswa nguRhulumente.
Ukuba unemali-mboleko yomfundi wangasese, usenakho "ukuhlanganisa," kodwa ngokwenene ulungelelanisa loo mboleko .
Ziziphi Iingxaki Zokuhlanganiswa?
Yenza enye imisebenzi yasekhaya xa unemali mboleko yakwaPerkins, okanye ukuba usesikolweni. Ingaba nzima, kwaye awufuni ukungazi ngokungazi nayiphi na inzuzo.
Gcina ukhumbule ukuba ukunciphisa iintlawulo zakho zenyanga (ngokukhulisa ixesha lokubuyisela) kuya kugqiba ukubiza imali eninzi ngaphezu kwexesha elide. Nangona kunjalo, ungakhetha i-payment engaphantsi namhlanje ukuba ufuna, kwaye wenze ezinkulu kuneentlawulo ezifunekayo ukuba ingeniso yakho iyanda.
Yonke Imali Yethu Imvelaphi Yomnye-Ngaba Ndifanele Ndihlanganise?
Awunayo, kodwa unokufuna. Umboleki-mali uhlawula kuphela imali yakho mboleko ukuze babe neziganeko ezikhankanywe ngasentla (rate fixed, njl). Ukuba usebenzise kuphela umthombo wokubolekisa omnye, unakho ukhetho olunqununu malunga nobani ongadibanisa naye. Ukuba usesikolweni ngoku, cinga ukufumana imali mboleko kwabanye ababolekisi ukuze ukhethe ngakumbi xa uphumelela.
Khumbula ukuba urhorensi evela kurhulumente wase-United States uhlala unobungqina obubolekayo ngaphezu kweemali mboleko zabasebenzi. Cinga ngokucophelela phambi kokuba udibanise iindidi ezimbini (umzekelo, uya kufuneka isizathu esihle sokudibanisa iimali-mboleko zomfundi phantsi komnini-mboleko wangasese).
Ndiyazi Njani Inzala Yomdla?
Hlola iingxelo zakho. Abanye baya kubonisa umyinge kwimboleko enikwe. Ukuba awukwazi ukuyifumana, fowuna umnini-mboleko wakho kwaye ubuze. Unokuba nemali-mboleko emininzi-yinye ngexesha lokubhalisa, ngoko qi ni sekisa ukuba zonke. Ekugqibeleni, unokufumana ulwazi ngemali-mboleko kwaye ujonge iirhafu ezikhoyo kweli phepha leNgxowa-mboleko ngqo.
02 Ngaba Ndiyakwazi Ukudibanisa Nomntu Otshata Naye?
Kukho (okanye kuya kuba) ukungaphumeleli kwamanani amaninzi ukuhlanganiswa okuhlangeneyo. Ukuba ufuna ukungena kwi- deferment (xa uyeka ukuhlawula ixeshana, mhlawumbi ngenxa yokungasebenzi), bobabini abatshatileyo kufuneka bafanele ukulungiswa.
Ngaphezu koko, ukuba udibanisa imali-mboleko kwaye omnye wenu kufuneka afe, iqabane eliseleyo liyakufuneka lihlawule umboleko womntu ofileyo. Ukongezelela, uya kuba nexesha elibi xa uthe waqhawula umtshato kwaye uboleke imali yakho ngokubambisana .
Ekugqibeleni, kukho umba wokuxolelwa kwemali mboleko. Ngokukodwa xa umntu osebenza kwinkonzo karhulumente, unokuyeka ithuba lokuba ezo mboleko zicinywa kwixesha elizayo.
03 Ukuthengiswa kweeNkxaso
Unokuhlanganisela iimali-mboleko zomfundi ngexesha lakho lobabalo okanye ngexesha lokuhlawula. Usenokufumana ukudibanisa ngaphambi kokuba uphumelele. Ixesha lixhomekeka kwiimeko ezahlukeneyo.
- Ukuhlanganiswa ngexesha lobabalo lingafumana inqanaba eliphantsi
- Awufuni ukuhlanganisa ngokukhawuleza emva kokugqiba. Ukuba uyenzayo, unokulahlekelwa yinkxaso-mali ethile
- Ukuba ucinga ukuba inzala yenzalo iphantsi, ungayifakela kwisantya
- Ukuba ufuna imali engaphantsi kwenyanga, ungazama ukufumana isicwangciso sokuhlawula esongezelelweyo
Ngubani Ndifanele Ndidibanise Naye?
Uyakufumana inqwaba yeposi njengoko usondele ekugqibeleni. Ngubani omele uyamthemba?
Ukuba iimali-mboleko zakho zivela kwiinkqubo zorhulumente, kudla ngokulumkileyo ukudibanisa phantsi kweprogram ye-Federal Direct Loan program. Kwakhona, ezi mboleko zinempawu ezixhamlileyo zabathengi. Ukufumana iinkcukacha ezipheleleyo, khangela ngeSebe leMfundo le-US.
Kuyafaneleka ukucela iofisi yakho yoncedo lwezezimali ngeziphakamiso. Basenokuba bevale imbali yampumelelo yamuva (kunye neendabuko zamabali).
Ukuba unquma ukusebenzisana nomboleki wabucala, qaphela ukuba udibanisa iimali-mboleko zedolophu kunye neyodwa. Ifom ecacileyo yokuhlanganiswa ifumaneka kuphela kwiimali-mboleko zemali, kodwa kunokwenzeka ukudibanisa iimali-mali zangasese .