U mzekelo
Izicwangciso ze-529 kunye neRoth IRAs zikuvumela ukuba ukhulise iimali zentlawulo xa ukuhanjiswa kusetyenziswa i-QHEE.
Ukongezelela, i-IRA ikhefu (ngaphambi kokuba iminyaka yobudala engama-59 / 1/2) isetyenziswe kwi-QHEE iya kukhutshwa kwi- 10% yentlawulo yerhafu yokuthoma , nangona ixabiso lokurhoxiswa liza kubakho phantsi kwentlawulo yengeniso.
Iwebhusayithi ye-IRS ichaza iindleko zemfundo ephakamileyo ezifanelekileyo njengoko:
"Isifundo, imirhumo, iincwadi, ukubonelela kunye nezixhobo ezifunekayo zokubhalisa okanye ukuhamba komfundi kwisikolo semfundo esifanelekileyo , zibandakanya neendleko zemfuno ezizodwa ezifunyenweyo okanye abafundi abaneemfuno ezizodwa malunga nokubhalisa kwabo okanye ukuhamba kwabo. Ukongezelela, ukuba umntu ngamnye ubuncinane isiqingatha-mfundi, igumbi kunye nebhodi ziyimpumelelo yemfundo ephezulu. "
Izikolo ezininzi okanye iinkqubo ngoku zifuna ii-laptops okanye iikhomputha (hmmm ... mhlawumbi ne-iPad). Ukuba kunjalo, loo ntlawulo yayiza kuba "izixhobo ezifunekayo zokubhalisa okanye ukuhamba komfundi". Yaye qaphela ukuba iindleko zabafundi bexeshana kunye neendleko zebhodi ziphantsi kwesikhundla.
Xa kunokwenzeka ukuba uphicotho luqiniseke ukuba ugcine uluhlu lwezixhobo ezifunekayo esi sikolo, kunye nazo zonke iimfuno ezinikezelwa kwisilabhasi yeklasi. Kwaye uya kuthi ufuna ukugcina iirisithi ukwenzela ukuba ubonise indlela ohlawule ngayo.
Ukuba umfundi unokufanelekela ezinye iinjongo ezifana ne- Lifetime Learning Credit , ngoko kufuneka ulandelele into ebizwa ngokuba yi-Adjusted Qualified Higher Education Expenses (AQHEE) - kwaye kuphela imali echitshiweyo eya kuhlawulelwa iya kufumana ikhefu zentlawulo ekuhanjisweni.
Unokufunda okungaphezulu kwi-Record-keeping of 529 yakho.
Iifowuni ze-Intanethi zokufaneleka
Mhlawumbi i-best-go-source for information i-IRS IiNzuzo zeRhafu kwiZiko lezeMfundo njengoko kufikelela kubo malunga nokuba yiyiphi na into engacatshangwanga njengemali efanelekileyo yemfundo. Ukulula kwabo ukusebenzisa iziko lenkcazelo liya kunika ulwazi olongezelelweyo kwizinto ezifana nalezi:
- Ngubani onokubango ityala leetyala kwiindleko zemfundo
- Yiyiphi imfundo kunye nemirhumo echithwayo (ngokusekelwe kwisimo sokufakela)
- Ingaba umrhumo womboleko womfundi unganqunyulwa (ngokusekelwe kwimida ehlawulisiweyo ye-Gross Income limit)
- Inkcazo yomboleko wesikolo oqeqeshiwe
- Inkcazo yeendleko zemfundo ezifanelekileyo (izifundo kunye nemirhumo, igumbi kunye nebhodi, iincwadi, ukubonelela, izixhobo, ezinye iindleko ezifana nokuthutha)
- Ukuchonga ukuba likhulu kangakanani igumbi kunye nebhodi elifanelekileyo
- Ukuchonga ukuba ngaba imfundo enxulumene nomsebenzi ingafunwa nje njengokuncitshiswa kweshishini
- Imfundo efunekayo ngumqeshi okanye ngokomthetho
- Imfundo ukugcina okanye ukuphucula izakhono
Ezinye ikhefu zerhafu kwiindleko zemfundo
Xa usebenza kunye nesikolo, kunokwenzeka ukuba unako ukukhupha iintlawulo ezithile kwiholo lakho. Unokufunda okungakumbi kwi-IRS Publication 970 IiNzuzo zeRhafu zeMfundo.