Iimfundiso Ngezikhokelo Zobungqina kunye nezinye iiplani ze-Illinois 529

I-Illinois inezinye zeeNkcitho eziphezulu kakhulu zentlawulo kwilizwe

E-Illinois, iintsapho ziyakwazi ukugcina iindleko zekholeji ngama- 529 ezicwangciso zokulondoloza ezifana neziKhokelo zeBright. Ngethamsanqa, ezi zicwangciso azigcinwanga kuphela kwizihlobo zesibini zokuqala njengabazali. Intsapho eyongeziweyo, abathandekayo kunye nabahlobo banokufaka isandla kwi-529 yomntwana, okwenza kube lula ukuba umntu omncinci enze imfundo ephakamileyo. Njengenkuthazo yokuqalisa ukugcina, izicwangciso zokulondoloza ezingama-529 zineenzuzo ezibalulekileyo zerhafu .

Izinketho ezintathu

I-Illinois inezicwangciso ezintathu zokulondoloza ezingama-529 ngaphakathi kwiphondo. Zizo zilandelayo:

1. I-Bright Start College Yokugcina (Ukuthengisa Ngokuthe ngqo) : Esi sicwangciso sinikezelwa ngokuthe ngqo ngurhulumente kwaye sidibanisa ukhetho olunexesha elidala kunye neendlela ezikhethiweyo. Izikhetho ezisekelwe kwixesha lokuqala ziqala ngobuchule obutshishino bokutyalomali kodwa zikhule ngakumbi ngokulondolozayo njengoko umzuzwana esondela ngakumbi ekugqibeleni esikolweni esiphakeme. Isicwangciso sinomrhumo wonyaka ophantsi, okwenza kube yindlela enamandla yokwandisa utyalo-mali.
2. I-Bright Start College Colors (Umcebisi-Wathengiswa): Ukwaziswa ngabacebisi, esi sicwangciso sinemali ephezulu kuneProgram yeBright Start College Savings kodwa inokhetho oluninzi. Iqukethe ipotfoliyo ebanzi kunye nokuxuba kweempahla, iibhondi, imali engenayo kunye neengxowa-mali zemarike zemali.
3. Izikhokelo ezikhanyayo I-Coloring Savings: Esi sicwangciso sithengiswa kuphela ngabacebisi. Unokhetho oluninzi lwexesha elide kunye neenguqu ezingaphezu kwe-50 ezikhethiweyo kubatyalomali. Esi sicwangciso sinemali ephakamileyo yaminyaka yonke kodwa sele sibonise phezulu kunemivuzo yonyaka yokutshala imali.

Kutheni Ndifanele Ndivule iPlani ye-Savings 529?

Ngaphandle kokulondolozwa kwikholeji, ukufaka isandla kwisicwangciso sokulondoloza ama-529 kunenzuzo yerhafu yabaxhasi. E-Illinois, abaxhasi banokungena kwi-R10 000 kwi-filer enye kunye no-20,000 ukuya kubalandeli abalandelayo; le ngenye yemida ephezulu yokunciphisa kweli lizwe.

Nawuphi na umvuzo kwisicwangciso awuxhomekeke kwerhafu yengeniso, ukwenzela ukuba utyalo-mali lukhule, isicwangciso sokulondolozwa esingama-529 singaba sixhobo esinamandla sokuhlawula imfundo ephakamileyo.

Ndingayinceda njani?

Nabani na ummi wase-US okanye umthetho ohlala ngaphantsi kweminyaka eyi-18 unokufaka isandla kwisicwangciso sokulondoloza ama-529. Zonke izicwangciso ezintathu zase-Illinois zinegalelo elincinci ye $ 25 ngenyanga. Ukuba ukhetha ukuchithwa kwe-payroll, ungancedisa nje nge-$ 15 ngenyanga.

Isixa esiphezulu ongasifaka kwisicwangciso sokulondolozwa esingu-529 e-Illinois si $ 350,000.

Ndifuna nini ukusebenzisa iSicwangciso soSondlo?

Imali kwiiplani zokugcina imali yase-Illinois ayifuni ukuba isetyenziswe kwisithuba esithile seminyaka emva kokugqweswa okanye ngexesha elithile. Inika ukulungelelaniswa kwabafundi abakhetha ukuthatha ikhefu emva kwesikolo esiphakeme okanye abaqala ukusebenza baze babuye esikolweni kamva ebomini.

Ukuba umntwana wakho uthatha iminyaka embalwa ukuba aqale umsebenzi wobugcisa kwaye unquma ukuba ufuna ukuphishekela iqondo lakhe, kamva, isicwangciso sokulondolozwa se- 529 sihlala sisetyenziswe kwiindleko zemfundo.

Ukuba umntwana wakho enquma ukuba akafuni ukuya esikolweni seminyaka emibili okanye emine, imali ayilahlekanga. Ungatshintsha abaxhamli komnye umntwana okanye othandekayo, ukuba kuyimfuneko. Ukuba unqwenela ukugcina imali ngokwakho, unako ukurhoxisa imali, kodwa ixhomekeke kwingeniso yerhafu kunye nezohlwayo.

Ukuhoxiswa konke kuhlawulwa njengengeniso, kwaye uza kuhlawulwa i-10%.