Iimali ezixhaswa ngetyala
Xa uboleka imali, inzala ihlawuliswa ngemboleko yakho ngezikhathi - yonke imihla okanye ngenyanga, umzekelo . Ngaphandle kokuba iindleko zakho zenzalo zixhaswe, uza kufuneka uhlawule ezo ndleko (mhlawumbi ngendlela yentlawulo ephezulu yenyanga kwixesha elizayo, okanye inkokhelo yenyanga ukufihla inzala).
Ngeemali-mboleko ezixhaswayo, omnye umntu uhlawula ezo ntlawulo ukuze ungenayo.
Ngubani onika iMali
Nabani na onokunika inkxaso mboleko. Ngokuxhomekeke kuhlobo lomboleko, kungabakho inhlangano karhulumente, inceba okanye enye iqela. Imboleko yezikolo ziphakathi kweentlobo eziqhelekileyo zenkxaso-mboleko. Ngaloo mboleko, urhulumente wase-US ukhokhela iindleko zenzalo kubafundi abathile. Ngokomzekelo, abafundi abanezibonelelo ze- Stafford Loans banomdla wokuboleka unomdla ngelixa bebhaliswe esikolweni.
Indlela Ufanelekela ngayo
Iimboleko ezixhaswayo zihlala zinikelwa kuphela kwabo bafanelekayo. Ukuze ufaneleke, ngokubanzi kufuneka ubonise iimfuno zemali okanye uhlangabezane nezinye iimfuno. Ngokomzekelo, kunye neengxowa-mboleko ezithile zezindlu (njengenkqubo yokuqala yomthengi ekhaya ), kufuneka uhlale kwindawo ethile kwaye ufumane ngaphantsi kwexabiso elithile leedola. Ezinye izithintelo zingabandakanya imfuno yokuba ikhaya lihlangabezane nemigangatho yempilo nokhuseleko, kunye nesidingo sokunciphisa inzuzo onokuyifumana ekuthengisweni kwekhaya lakho.
Imali-mboleko yabafundi
Imali mboleko yabafundi mhlawumbi iyona hlobo lusetyenziswa kakhulu kumboleko oxhaswayo. Ukuba imali yakho mboleko ixhaswa, akukho nzala inikwe umrhumo kuwe nje ukuba ubonise iimfuno zemali kwaye:
- Ubhalisile ubuncinci bexesha, okanye
- Unesithuba seenyanga ezintandathu emva kokuba uphumelele, okanye
- Iimali mboleko zakho zichanekile
Ukubonisa iimfuno zezemali, kuya kufuneka ufake isicelo semali-mboleko usebenzisa ifomu le-FAFSA, kunye nemali oyifunayo kufuneka ibe ngaphezu koko ufumanekayo (kodwa imali yakho yemali mboleko iya kunqunyulwa ngeendleko zokuya esikolweni sakho).
Kukulungele ukufumana iimali-mali ezixhaswayo xa kunokwenzeka. Ukuba ufuna ngaphezulu, unokuhlala uboleka ngetyala elingenakutshintshwa kunye (kodwa uboleke kuphela into oyifunayo ngempela - uya kufuneka uyihlawule yonke imini).
Ngelishwa, abafundi abaphumelele kunye nabafundi abaqeqeshiweyo abanako ukufumana iimali-mboleko zenkxaso-mali-uya kuhlawula inzala kuyo yonke into oyibolekayo.
Izinketho kwiiNgxowa ezingekho phantsi
Ukuba iimali-mboleko zakho azixhaswanga, unako ukukhetha indlela yokusingatha umdla.
- Ukuhlawula njengoko uhambayo: okukhethwa kukho, ukuba unako ukuwufumana, uhlawula iintlawulo zomrhumo njengoko zivavanywa. Oku kukuvumela ukuba unciphise ityala lakho lilonke, kunye nemali oyakufuneka uyihlawule nganye inyanga kwiminyaka ezayo. Kuza kunciphisa inani lemali enomvuzo olihlawulayo kwi-matyala emfundo.
- Nciphisa inzala: enye inketho kukuba neerhafu zenzalo zifakwe kwi-balance balance. Esikhundleni sokwenza iintlawulo ukufihla iindleko njengoko beza, "uboleka" ngaphezulu ixesha ngalinye inzala ityala. Imali-mboleko yakho iya kwanda - nangona awuyi kufumana enye imali-kwaye uya kugcina ngeendleko eziphezulu kunye nentlawulo ephezulu ngenyanga. Funda kabanzi malunga nokubeka imali kwimali mboleko yakho .