Kutheni Uqala Ngeemali ZikaRhulumente?
Ukufaneleka kweMali
Enye yeenzuzo eziphambili zemali-mboleko yezemfundo kukuba ngaba kulula ukuzifumana. Amabhanki afuna ukuboleka imali ngaphandle kokuba baqiniseke ukuba baya kubuyisa imali.
Ngenxa yoko, ngokuqhelekileyo kufuneka ufanele ukufumana inzuzo eyaneleyo kunye nembali yengeniso (apho abafundi abaninzi abasenayo). Imali-mboleko ye-Federal student ihlukile - unako ukufumana iimali-mboleko ezithile ngaphandle kwekhredithi okanye ingeniso.
Ukuhlawula iNgxowa-mali yeziKhwama zabaFundi
Enye inzuzo yemali-mboleko karhulumente yinkqubo yokulungelelanisa oya kuhlawulwa. Unokwazi ukhetha ukuhlawula okudeleyo (okubangela iindleko ezingaphezulu kwimali kodwa kubangela intlawulo ephantsi yenyanga) okanye inkokhelo eguquka njengoko ingeniso yakho inguqu (oku kuthetha ukuba uhlawula ngaphantsi xa umvuzo wakho uphantsi).
Imali-mboleko yaseburhulumenteni ikuvumela ukuba unqumle ukuhlawulwa kwemali phantsi kweemeko ezithile ezifana nokungasebenzi . Iintlawulo ze-Skipping zingabangela iindleko zokuphila eziphezulu (ukuba umdla uyaqhubeka ukwakha kwibhalansi yakho mboleko), kodwa kunokukwenza kube lula ukufumana ezinye iindawo ezinzima.
Iimali-mboleko ezizimeleyo zinganikezela ukuguquguquka, kodwa ababolekisi ngabangasese bahlala phantsi kangako.
Naluphi na ukhetho onako luya kufakwa kwisivumelwano sakho semali-mboleko; wonke umboleki uyahluke kangangokuba uya kufuneka wenze umsebenzi owongezelelweyo wesikolo kunye nokufunda okufutshane ukuqonda zakho iinketho. Ngakolunye uhlangothi, iimali-mboleko ze-Federal student, zibhalwe kakuhle kwaye unokufumana iimpendulo kunye nengqiqo evela kwimithombo eyahlukeneyo. Ukwenza lula kwaye unciphise inani leemali-mboleko unayo, iimali-mboleko zemali zingabiniswa (oko akusoloko kukhethwe ngokufanelekileyo).
Iimali mboleko zabafundi ezizimeleyo zifuna ukuba zilungiswe .
Iindleko zenzalo
Isibheno esona sikhulu semali-mboleko ye-federal kukuba iindleko zakho zenzalo zingancediswa . Kwimeko apho, urhulumente uhlawula umdla wakho kuwe ukuze ungenayo imali (okanye wongeze iindleko zomdla kwi-balance balance)-oko kuya kuthetha ityala elingakumbi ukuba uhlawule phantsi kwendlela).
Amanqanaba omdla kwimali-mboleko yomfundi angaphantsi kwamaxabiso oya kuwafumana ngemali mboleko yemali yabucala. Imali-mboleko yaseburhulumenteni inikelwa okanye iqinisekiswe nguRhulumente, oko kuthetha ukuba uhlanga lwabahlawuli berhafu luya kunyalela ibhajethi ukuba ungeke uhlawule. Ngokuxhomekeke kwingxowa-mali yakho kunye neerhafu zenzalo jikelele, iimali-mboleko zedolophu zingadla ngokugqithiseleyo okanye zingaphantsi - qi niseka ukuthelekisa zombini iintlobo kwaye ubukele iimali mboleko nge- APR eguqukileyo. Gcina ukhumbule ukuba kukho inzala ye-"caps" okanye iipasimasi eziya kuhlala ziza kugcina iimali-mboleko zemfundo zithengwa kwiindawo eziphakamileyo zenzalo.
Iirhafu zenzalo nazo zichongiwe. Oku kunceda uceba kunye nohlahlo lwabiwo-mali, kwaye iirhafu ezizinzileyo ziya kunceda ukuba amazinga enzala aphakame ngaphezu kweminyaka apho uhlawula imali yakho mboleko.
Imali Yokuxolelwa Imali Yomfundi YesiFunda
Imali-mboleko ye-Federal student ingaxolelwa ngeendlela ezininzi; umboleko uba "yimali ekhululekile" ongenakuyidinga ukuyibuyisela.
Akunjalo ngokukhawuleza okanye kulula ukufumana imfesane yokuxolelwa okanye ukukhutshwa kwemali-mboleko, kodwa kuyinto enhle ukuba nayo ibe yinto enokwenzeka - kwaye ayifumanekanga ngokubambisa imali yabangasese.
Unokufanelekela ukuxolelwa kwemali yomfundi wesigqeba ngenxa yomsebenzi wakho. Abasebenzi benkonzo karhulumente banokuzuza ngokuxolelwa emva kweminyaka emininzi yenkonzo. Ukuxolelwa kwemali yomrhumo womfundi, inkonzo yoluntu ibandakanya (phakathi kwabanye) oku kulandelayo:
- Abasebenzi bakaRhulumente
- Ootitshala besikolo sikarhulumente
- Abasebenzi abathile bentlangano engenzi nzuzo
Unokufunda ngokubanzi malunga nokuxolelwa kwemali mboleko kwiwebhusayithi yeSebe leMfundo.
Imali ingahlawulwa kwakhona ekufeni komfundi. Nangona ezininzi iimali-mboleko zemali (individuals) zihamba xa umboleki efa, i- mboleko mboleko iyingqayizivele: nge-PLUS mboleko, umzali ungumboleki, kodwa umboleko unokuxolelwa xa umntwana efa.
Akukho mzali ofuna ukuzuza kule nto, kodwa kuyimpawu ebalulekileyo enokunceda umthwalo wemali weentsapho ezilililayo
Iinkqubo ezahlukeneyo zoRhumo lukaRhulumente
Qaphela ukuba iinkqubo zemali-mboleko zikaRhulumente ziyahluka, kwaye imithetho iyatshintshana ngokuhamba kwesikhathi. Ukubonisa ukuba uluphi uhlobo lwemali mboleko yakho inxalenye, kwaye ufunde malunga neentengiso ezibaluleke kakhulu kuwe. Nangona uhlala ulungelelanise ngenye yemali mboleko ka rhu lumente, ungadinga ukuhlanganisa ezinye iingxowa-mboleko phantsi kweSambule-mboleko esiKhekelekileyo ukufumana ezinye zeenzuzo ezingentla. Ngokomzekelo, abanye abasebenzi benkonzo karhulumente bavumelekile ukuba baxolelwe ngemali phantsi kweprogram ye-Direct Loan, ngelixa abanye ootitshala bangenelwa phantsi kwenkqubo.