Uqwalaselo lweeNkqubo zokuXhobela iimali zokuTyala
1. Amavolontiya
Imibutho ethile yokuzithandela inikezela ukuxolelwa ngemali ngemali ngokutshintshisa inani elithile lexesha lakho. Ukuba uyazivolontiya kwi-AmeriCorps, i-Peace Corps, okanye iiVolontiya kwiNkonzo yeMerika (i-VISTA) unokufumana iipesenti ezingama-70 zababolekisi bemfundo yakho. Ukutyelela iiwebhsayithi zabo ukufumana ulwazi oluthe xaxa malunga neeprogram zokuxolelwa kwemali mboleko.
- AmeriCorps
- PeaceCorps (i-PDF link)
- VISTA
2. Yiba nguMfundisi wexesha elizeleyo
Ukuba unomboleko wePerkins , unokuba nenxalenye yokuxolelwa ngokusebenza ixesha elipheleleyo kwisikolo esiphakamileyo, esiphakathi okanye esikolweni esiphakamileyo esikhonza abantwana abasuka kwiintsapho ezifumana imali engaphantsi. Uneminyaka engaphezulu oyifundisayo, ngakumbi unokuxolela. Ibhodi yesikolo sakho sendawo iya kuba nolwazi olongezelelweyo malunga nokuba zeziphi izikolo kwisithili sakho zinikezela ukuxolelwa kwemali phantsi koMthetho wezeMfundo weSizwe woKhuselo.
Ezinye iincwadi zineenkqubo zokuxolela zemali mboleko ezongezelelweyo ezivumela ukuba uxolelwe ngemali mboleko kwiimeko ezininzi.
Unako ukudibanisa ibhodi yakho yemboleko yemfundo ngolwazi malunga nokuba uxolelwe ngemali mboleko.
3. Hlanganisa iMpi
Enye yeenzuzo zokujoyina umkhosi ngumvuzo wokuboleka kwemboleko. Okwangoku, i-Army, i-Army National Guard, i-Air Force, i-Air Force National Guard, kunye ne-Navy inikezela iiprogram zokubuyisela imali mboleko yemali ukuya kuma-20,000 kwi-yesebe.
Ngelishwa, i-Marine Corps, i-Guard Guard, ne-Air Force Reserves ayinikezeli ukuxolelwa kwemali. Ukuze uthole ulwazi oluthe xaxa malunga nokuxolelwa kwemali yomfundi wempi, tyelela le ngqaku kwiNkqubo yeRhafu yeMbuyekezo yeMali yeKholeji.
4. Yiba nguDokotela okanye uMmeli
Abaqeqeshi bezonyango nabasemthethweni banokugqiba kunye netyala lesithandathu semali mboleko. Ngethamsanqa kulaba baphethe i-Ph.D, kukho iinkqubo ezininzi zokuxolelwa kwemali mboleko zabafundi ezikwazi ukunciphisa umthwalo wabo wemali mboleko .
- Iziko lezeMpilo zikaZwelonke lixolela ezinye iitalente zemboleko zabafundi abagqityiweyo abagqibeleleyo uphando lwezonyango kubandakanya uphando lwezonyango, ukungalingani kwezonyango kunye nophando lwezokwelapha.
- Abanye abaqeqeshi bezempilo banokufumana i-$ 50,000 yeziboleko zemfundo ezixolelwe ngeNkqubo yeSizwe yeNkonzo yezeMpilo yeNkonzo yokuTyala ngokuTshintshiselana ngeminyaka emibini yenkonzo yokuzithandela ekliniki enokunqongophala kwabasebenzi bezempilo. Unokwazi ukufumana uxolo olongezelelweyo ngenkonzo eyongezelelweyo.
- Abafundi abaphumelele esikolweni bangaba neminye yemali-mboleko yabo yabafundi abaxolelwe ngokwenza umsebenzi othile ongeyona inzuzo. Imisebenzi yoLungisa loLungileyo ineloluhlu lwezikolo zomthetho ezineenkqubo zenkxaso-mali yokubuyisela imali. Ukuba isikolo sakho kuluhlu, qhagamshelana neSebe lakho loncedo lwezezimali ukuze ufunde indlela onokuxolelwa ngayo.
5. Lindela iminyaka engama-25 okanye (iminyaka eyi-20 ngemali entsha)
Ukuba unemali-mboleko yemali kwaye usekhompyutheni yokubuyisela inzuzo (IBR), unako ukulinganisela kwemali-mboleko yomfundi wakho emva kweminyaka eyi-25, okanye iminyaka eyi-10 ukuba usebenza kwintlalo karhulumente. Zonke iimali-mboleko ze-Federal zemfundo zifanelekile ngaphandle koko, iimali-mboleko zabafundi ezingabikhoyo, iimali-mboleko ze-parent PLUS kunye ne-parent parents loan consolidation . Iintlawulo zakho zenyanga zemali-mboleko zifunyenwe ngokusekelwe kwinani lakho lentlawulo kunye nosapho lwakho. Ngokomzekelo, intsapho ye-3 kunye nengeniso yonyaka ye-$ 45,000 iya kuhlawula i-$ 157 ngenyanga ngenyanga kwisicwangciso se-IBR. Unokufaka isicelo se-IBR ngokuqhagamshelana nomboleki weebolekisi. Iimali ezithathiwe emva koJulayi 22, 2014 kwi-IBR plan ziya kuxolelwa emva kweminyaka engama-20 endaweni ye-25 iminyaka. UMongameli Obama usandul 'isicwangciso sokukhawulezisa loo mhla u-2012. Vakashela kwi-website ye-Federal Student Aid kunye ne-IBR Info ngolwazi olungakumbi.
Ngubani omele iNgxowa-mboleko yabafundi Ukuxolela
Abantu abaninzi, ingakumbi abo baye basebenza kanzima ukubuyisela imali yabo mboleko, bachasa ukuxolelwa kwemali yomfundi (ubuncinci bemali-mboleko ye-Federal) kuba kuxhaswa ngemali ngabathengi berhafu. Ukuba urhulumente waseburhulumenteni uxolela ngemboleko yakho yomfundi, oko kuthetha ukuba abahlawuli berhafu baye bakhokhela imfundo yakho yekholeji. Ngaloo ndlela, kuyafana nokusebenzisa izibonelelo zikaRhulumente ukuxhasa imali yakho. Imfesane yokuxolelwa kwemali yabangasese ayikho nto kakhulu, kodwa ukuba ngababolekisi banikezela le ntlobo yeenkqubo, abanye abathengi beebhanki baya kugqiba ukuxhaswa ngemali ngeemali kunye nomdla.
Imiba yeNgxowa-mboleko yokuTyala
Kweemeko ezithile, kufuneka ubike iimboleko ezixolelwe njengeniso engenayo. Oku kunokwandisa umthwalo wakho werhafu ngaloo nyaka kwaye kunokukhokelela kwibhilikhi yentela xa ufaka ngo-Apreli. Ayikho yonke iprogram yokuxolelwa kwemali mboleko yokufunda ifuna ukuba uhlawule irhafu kwi-matyala athethelelwe. Qhagamshelana ne-preparer yakho yerhafu ngolwazi olungakumbi.