Iimeko ezili-10 apho Ungekho Ukubuyisela iMali-mboleko yabafundi baseFrederal

Yazi Iindlela Zakho Xa Kuyisikhathi Sokubuyisela Imali Yemali Yomfundi

Ukuzama ukuhlawula ikholeji kungenza isenzo esilinganiselweyo. Ufuna ukwandisa inani lemali yenkxaso-mali kwaye unciphise inani lemali- mboleko yomfundi oyisebenzisayo ukuhlawula iindleko zakho. Xa ubolekwa ngokuhlakanipha, iimali-mboleko zemfundo zingaba negalelo elikhulu kwimali yakho. Emva kokugqitywa kweziqinisekiso, xa ezi mboleko zihlawulwa kwaye zihlawulwa, ezinye i-alumni zifumana ukuba zinzima ixesha lokufumana umsebenzi ohlawulela ngokwaneleyo ukubenza bahloniphe ukuzinikela kwabo kwemali.

Oku kunokubeka uhlahlo lwabiwo-mali kunye neembono zabo zexesha elide. Ngethamsanqa, kukho iimeko apho ungenayo ukubuyisela imali yakho yemali-mboleko yomfundi, mhlawumbi ngexesha elichanekileyo okanye ngokusisigxina. Nazi iindlela ezili-10 ezinokuthi zisebenze kwiimeko zakho zemali:

1. Iingxowa-mboleko zentlawulo: Ukuchaswa kwithuba apho ukuhlawulwa kwentlawulo yenqununu kunye nomdla wemboleko yakho ithatyathwa okwesikhashana. Nangona umdla uqhubeka ukhula, urhulumente wephondo unokuhlawula umdla kuye kuxhomekeke kuhlobo lomboleko onayo. Unokuba uvumelekile ukuba ufake isigxina xa uqhubeka nokuthatha iiklasi ezivunyiweyo, ukuya esikolweni se-grad, ungaqeshwanga, ujoyine uxolo lwe-Peace Corps, okanye usebenze emkhosini.
2. Ukunyamezela kwemali: Unako ukuyeka ukwenza iintlawulo okanye ukunciphisa intlawulo yakho yenyanga ukuya kwiinyanga ezili-12; Nangona kunjalo, inzala iya kuqhubeka ukunyuka kwiinkxaso-mboleko zakho ezingenasiswanga. Unokufanelekela ukunyamezela ngenxa yokugula, ubunzima bezezimali, ukuthatha inxaxheba kwiindawo zokuhlala zonyango okanye zamazinyo, ukubhaliswa kwezinye iinkonzo zenkonzo zoluntu, kunye nenkonzo ethile yempi.

1. Isikolo esivaliweyo: Unako ukulungele ukukhutshwa kwesikolo semali-mboleko yomfundi xa isikolo sakho sivala xa ubhalisile okanye kungekudala emva kokuba uhoxise. Oku kwenzeke kunye nokuvalwa kwesikolo esikolweni.
2. Inkonzo kaRhulumente: Unako ukufumana ukuxolelwa kwemali mboleko phantsi kweNkqubo yoLuntu yokuTyala iMboleko kaRhulumente (PSLF) ukuba uqeshiwe nguRhulumente okanye inhlangano engenzi inzuzo. Le nkqubo ixolela ibhalansi eseleyo kwiNgxowa-mali Yomfundi oyiNgcaciso yoMgaqo-nkqubo emva kokuba wenze iikhokheji zenyanga ezifanelekileyo ezi-120 phantsi kwecebo elifanelekileyo lokuhlawula xa usebenza ixesha elipheleleyo lomqeshi ofanelekileyo.

1. UMfundisi Uxolela Ukuxolela: Ukuba ufundisa ixesha elizeleyo leminyaka emihlanu epheleleyo kunye elandelelanayo kwizikolo ezithile zaseprayimari nezesekondari kunye nee-arhente zenkonzo zemfundo ezisebenzela iintsapho ezifumana imali engaphantsi, kwaye uhlangabezane nezinye iziqinisekiso, unokufanele ukuxolelwa ukuya kudibene iyonke i-$ 17,500 kwi-federal Direct Subsidized and Nonsubsidized Loans, kunye neNgxowa-mali yakho ye-Federal Stafford ne-NonSubsidized.
2. Ukukhanselwa kootitshala kwiNgxowa-mboleko yasePerkins : Unokuba uvumelekile ukukhishwa kwemali-mboleko yokufundisa ngokuzeleyo kwisikolo esincinane-mali, okanye ukufundisa kwiindawo ezithile zezifundo. Unako ukufumana ukulungelelaniswa kwezi zixhobo zokufundisa ezifanelekileyo.
3. Iinkqubo-mali ezixhaswe ngabarhulumente Iinkqubo zokuxolela: Iindawo ezininzi zinikeza iinkqubo zokuxolela ababolekisi, ngokukodwa ukuba ufundisa kwindawo ephakamileyo yemfuno. I-American Federation of Teachers ine-database ekhangelekayo ongayisebenzisa ukuze ufumane iinkqubo zokuxolela zikaRhulumente kunye nezendawo apho ungafaneleka khona.
4. Ukukhubazeka: Ukukhubazeka okusemzimbeni nangokwengqondo kunokukufumana ilungelo lokukhutshwa kokukhubazeka ngokusisigxina kunye nakwimali yokubolekisa.
5. Umboleki wezoKhuseleko: Abboleki banokufumana imvume yokuxolelwa ngemali mboleko yabo yomfundi xa i sikolo siwadukisa okanye senza okunye ukungaziphathi kakubi kwimithetho ethile. Oku kungafaka isicelo kubbolekayo abaya kwiikholeji zaseKorinte-Everest, Heald, kunye neWyoTech - kunye nomhla wokuqala wokuhamba phakathi kukaJulayi 1, 2010 no-Septemba 30, 2014.

1. Ukufa : Umboleko ukhanselwa ngokuzenzekelayo ukuba umntu oboleka umboleko wezemfundo uyafa. Imali-mboleko yemali yabangasese ayikwazi ukunika ukhuselo olufanayo.

Ukuba ucinga ukuba unako ukufumana enye yalezi zikhetho, qha ga mshelana ne-servicer yakho ukuze uqinisekise amanyathelo okufuneka uyithathe. Gcina ukhumbule ukuba olu khetho lusebenza ngokusemthethweni kuphela kwimali-mboleko yomfundi. Kufuneka uhlolisise nabanikezeli beemboleko zabathengi abazimeleyo ukuba banqume ukuba ngaba baneenkqubo ezifanayo ezikhoyo. Kungathatha ixesha elincinane, kodwa kunokuba lufanele umzamo wakho.