Iikholeji zokugcina izakhono zeKholeji kubazali Ukuqalisa ukuQala

Iingcebiso ezi-5 zokunceda i-Jump-Qala iAkhawunti yakho yeKholeji

Injongo yezocwangciso zezemali ezihlala zibonakala zidibanisa kwiintsapho zihlawula iikholeji. Uninzi lweentsapho zibandakanya ukudibana neendleko zemihla ngemihla kwaye ziqala ukucinga malunga nokuhlawulela iikholejini de kubekho abantwana babo beshumi elineminyaka elishumi okanye elishumi. Oko akushiyi ixesha elide lokukhawulelana kunye neemali eziyimfuneko, ukubeka uxinzelelo oluninzi kwisidingo sokuxhomekeka ekuncedeni ngemali kunye neengxowa-mboleko zabathengi zokufunda iindleko zekholeji.

Kodwa lonke ithemba alilahlekanga. Kwaba nabazali abaneminyaka elilodwa okanye amabini de kubekho umntwana wabo ekholeji banokwenza i-dent enkulu kwixesha elizayo lokubhalwa kwebhilidi. Ezi ndoloji zokulondoloza ezizibonakalise ngokuphindaphindiweyo kubazali abaxhatshazwayo.

1. Izicwangciso zokuHlola eziKhokhelwa kuqala : Enye enkulu yokukhungatheka kwabazali abanalo ixesha lokugcina ibuyiselo elibuhlungu elifumene kwixesha elifutshane lotyalo-mali. Kwizinga eliphantsi lentlalo-mali, utyalo-mali lunokufumana ipesenti ezi-1-2 kuphela, kwaye abazali abafuni ukuthatha ingozi enkulu ngokutyalomali kwi-market market. Isicwangciso sokufundiswa kwekholeji esikhokhelwa ngaphambili sinikeza enye indlela efanelekileyo kwiimali ezizimeleyo ezikwii-akhawunti njengoko ezi zicwangciso zikhula ngokukhawuleza kwinqanaba lokufunda. Ekubeni iikholeji zekholeji inexabiso lokunyuka kwamaxabiso e-4-6 ekhulwini ngonyaka, oku kunika enye inomdla kwi-1-2 iphesenti yemarike yemali kunye ne-akhawunti ye-akhawunti ye-akhawunti. Ukuze kulungiswe le ntengiso, abanye bathi banokunika abazali imali yokuncitshiswa kwentlawulo okanye i-credit ngenxa yokufaka ezi zicwangciso.

1. Iziqendu ze-Section 529 : Cinga ukucela izihlobo ukuba zenze igalelo kwi-kholeji yengane yakho. Ngokubuyisela ukuphana kwabo kwiakhawunti yeCandelo 529, banike isipho esoloko sinika. Uninzi lwamazwe avumela ukuncithwa kwentlawulo yekholeji kwikota yekholeji avumela umntu ukuba athathe intsalela nangona engekho umntwana wabo. Ukongezelela, i-IRS ivumela abantu ukuba banikele isipho esithile kunyaka ngamnye, okuvumela ukuba ootata-ntombi abacebileyo banciphise ngokunyanisekileyo umthwalo wabo werhafu.

1. Ukuphucula : Ukuphucula ukuvuza abazali nabafundi ngokuthenga ngeentengiso kubathengisi abathatha inxaxheba. Ngaphantsi kwenkqubo ye-mahala, abathengisi abaziintloko batyibe inxalenye yento echithwe kwi-kholeji eyenzelwe umntwana othile. Ukunyusela le ngxelo kukuthi unako ukuthumela izimemo kwi-akhawunti yakho ye-UPromise kubahlobo kunye nosapho ukuze ubhalise amakhadi abo kunye nekhadi lokukhawuleza. Umntwana wakho ufumana iminikelo eyongezelelweyo rhoqo xa athengisa.
2. Ubomi bomshuwalense : Ngokuqhelekileyo kuthathwa njengengcamango embi kubazali asebekhulile ukuzama ukusebenzisa i-inshorensi yobomi njengemoto yesikhashana yokugcina iikholeji. Ukuba usenayo ixabiso lemali okanye umgaqo-nkqubo womshuwalense wobomi, nangona kunjalo, ungathatha imali kuyo okanye utshintshe kwi-inshorensi yenkqubo yomshuwalense ukugcina imali kwiiprimiyam. Xoxa nomcwangcisi wezemali onokukunceda ukuba anqume ukuba le ndlela yenza ingqondo yemali kwintsapho yakho kunye ne-inshorensi yobomi bomshuwalense.
3. Fumana iminyaka engaphezu kweyibini : Abazali abathile baxela ukuba iikholeji zeminyaka emine iyona nto ikhethekileyo kumntu omdala osemdala. Cinga ukuthumela umntwana wakho kwiikholeji zasekuhlaleni eziphantsi kweendleko zeminyaka emibili yokuqala, ngelixa eqhubeka ehlala ekhaya. Ukuba umntwana wakho angakhonkxa iimfuno zabo zemfundo jikelele ngelixa uphantsi kwephahla lakho, uza kusindisa imali eninzi kwiindleko ezingaphandle kwee-pocket ngeli xesha kukunika iminyaka emibini eyongezelelweyo ukugcina imali engaphezulu. Njengebhonasi eyongeziweyo, unokukhuthaza umntwana wakho ukuba athathe umsebenzi wengqesho yesikhokelo kwaye uncede uncedise kwiindleko zeganga. Zimbalwa izinto eziza kukhuthaza umfundi ukuba athathe loo minyaka yokugqibela yekholejini ngokugqithiseleyo njengokuqonda ukuba bachitha imali yabo.

Abazali nabafundi bangaphinda bachithe iminyaka engaphambili yokufuna i-scholarships ezinokukunceda ukunciphisa iindleko. Akukafaneli ukukhawuleza ukuqala ukucinga ngeendlela ezilungileyo zokuhlawula ikholeji. Yenza ubuchule, funda umfundi wakho, kwaye uqale ukugcina!