Ingqwalaselo ebalulekileyo ye Stafford, Perkins kunye ne-PLUS Loans
Akukona nje kuphela ukuba yonke imali-mboleko yabafundi iyalingana ngokulinganayo, kodwa ezinye zithandwa kakhulu kunabanye. Uhlobo ngalunye lwenkqubo yokubolekwa kwemboleko yomfundi lwadalwa ukuhlangabezana neemfuno zamaqela athile abafundi. Ukuqonda ukungafani phakathi kweenkqubo zokubolekwa kwemali kubafundi kubalulekile ekukuncedeni ukucwangcisa ixabiso lakho kwikholeji .
Iindidi ezimbini eziphambili zemali-mboleko yabafundi yilezo ezixhaswa yinkqubo karhulumente karhulumente kunye nezo zinikezelwa ngabathengi bangebucala.
Iimboleko ezibonelelwa ngeenkqubo zikaRhulumente ngokubanzi ziza kuba zilungele ngakumbi kubabolekayo kubafundi ngaphezu kwemali mboleko .
Iiprogram zemboleko zemali eziqakathekileyo ezifunekayo ukuba ziqwalaselwe yi-Stafford Loan, i-Perkins Loan, kunye ne-PLUS mboleko.
Stafford Imali
I-Stafford Imali yindlela eyaziwa kakhulu yimboleko yekarhulumente njengoko ihlinzeka ngemali mboleko kwizinga elixhaswayo kunye nelinganakunyuswa. Ngamanye amagama, ungasebenzisa i-Stafford Loan ukukunceda ukuhlawula ikholeji kungakhathaliseki ukuba unayo imfuno yezemali okanye awunayo.
I-Stafford Loan iyafumaneka kubafundi ababengumfundi ogqwesileyo kunye nabafundi abagqwesileyo ababhaliselwe ubuncinane kwisithuba sexeshana. Ezi ntlobo zemali-mboleko zixhomekeke kumanani amaninzi ngonyaka (umfowenu omtsha, u-sophomore, njl.), Kunye nayo yonke iminyaka edibeneyo.
Abafundi basebenzisa le mboleko baqinisekisiwe ngesantya semali esezantsi ebudeni bemboleko yabo kwaye bavumelekile ukuba bahlawule intlawulo emva kweenyanga ezintandathu emva kokugqweswa.
Ukuze uvuyo lwabaninzi ababolekayo, abasebenzi bakwa-Stafford Loans abaxhomekeke kwimvume yokuthenga ngetyala.
Imali yePerkins
Imali yePerkins yenzelwe ukunceda abafundi abaneemfuno zezemali ezingavamile, kwaye abafundi abaninzi abanakufanelekela ukufumana imivuzo yePerkins. Efana ne-Stafford Loans, i-Perkins Loans ingasetyenziselwa ukufundiswa kwezifundo eziphambili kunye nezifundo.
Iintlawulo zePerkins ziphantsi komda ophantsi konyaka kunye nomyinge wokuphila ngokuboleka kodwa zikhululekile kwiimali zokuqala. Imali-mboleko yakwaPerkins ifumana inzala ephezulu kakhulu. Ukongezelela, inzala kule mboleko ihlawulwa nguRhulumente ngelixa umfundi esabhaliswa esikolweni.
IIMALI ZONKE
INGXELO yemali mboleko ivumela abafundi okanye abazali ukuba babole imali eyaneleyo ukuze baxhaswe nayiphi na imfuno engayithotyelwa yiprogram zenkxaso-mali. Ngokwenene, bakuvumela ukuba uhlawule ngokupheleleyo kwiikholeji kunye phantse imali ngaphandle kwesikhwama namhlanje. Nangona kunjalo, inkokhelo yakho yokuqala ingabikho ngenxa yeentsuku ezingama-60 ukusuka kwintlawulo yomboleko.
AMANDLA Iimali ziphantsi kweerhafu eziphezulu ezibonakalayo ngaphezu kwee-7.90- 8.50 ekhulwini kwaye zingakhokelwa kwiimali zokuqala ezifikelela kuma-4 ekhulwini. Bayafuna i-credit card kwaye banako ukuguquguquka kwiindlela zabo zokuhlawula.
Izibonelelo
Imboleko yemali ingomnye wabonelela kwaye kulula ukufikelela kwiinkqubo kuRhulumente wase-US. Nangona le nto inenzuzo kubantu abaninzi abafuna imfundo, ibuye ibone umngeni emva kokuba kuhlawulwe iintlawulo.
Ngaphambi kokukhupha izilinganiso zakho zemali mboleko, qiniseka ukuba uyaziqonda izibonelelo ezikhoyo nakwiSebe leMfundo le-US (i- Pell Grants ) kunye nelizwe lakho.
Ezi zibonelelo ziyisipho esingaze zifune ukuhlawulwa.