Izinketho zoNcediso lweeMfundo zeMatriki
Urhulumente wephondo unikezela ngemali mboleko emininzi yabafundi abaphumelele. Kufuneka uqale ngemithombo, njengoko iimali-mboleko zikaRhulumente zinikela ngeenzuzo ezingenakunikwa kubalimi bangebucala.
Ngokubanzi, iirhafu zemali ezixhasiweyo zikarhulumente zinomlinganiselo omncinci wenzalo kwaye ziguquguquka xa kuziwa kubuyiselwa. Ukufumana iinkcukacha ezingaphezulu, jonga iingenelo zeNgxowa-mboleko ze-Federal Student .
Ngelishwa, njengomfundi ophumeleleyo, awukwazi ukunandipha izibonelelo zemboleko mboleko. Inzala iza kuqala ukunyuka ngokukhawuleza xa ufumana imali, ngoko uya kufuna ukuba uqaphele ngokukodwa malunga nokuba uboleke kangakanani.
Kukho iintlobo ezintathu zemali-mboleko yezemfundo ezifumanekayo kubafundi be-grad.
Iintlawulo zePerkins kufuneka zikhethe okokuqala. Ngelishwa, kunzima ukufaneleka - badibanelwe abafundi ababonisa "imfuno zezemali." Isikolo sakho asinakuze sinikeze ngemali mboleko yakwaPerkins, kwaye ukuba ngaba uya kukwazi ukukhuphisana nabanye abafundi ngenxa yezibonelelo ezincinci. Ezi mboleko zikhangeleka ngenxa yezinga eliphantsi lokuzala: uya kuhlawula umyinge onomlinganiselo we-5%, ongcono kunokuba ungayenza nabanye abaninzi ababolekisi.
Njengomfundi ophunyeziweyo, uninzi unako ukuboleka ngonyaka usebenzise imali engu-8,000.
Imali-mboleko engabhalwanga yiyo enye enye into enhle kubafundi abagqibeleleyo (ezi ziyakuthi zithi "i-Stafford Loans"). Ezi mboleko zivumela ukuba ubolekise u-$ 20,500 ngonyaka wesikolo esikolweni. Uya kuhlawula umyinge we-interest rate we-6.8% kunye ne-1% yentlawulo yemvelaphi.
Oku kubi kakhulu kunePerkins Loan kodwa ininzi engabizi kakhulu kunezibonelelo oza kuzifumana kubalimi bangebucala. Ngokuqinisekileyo, kufuneka uhlale uthengile, ngokukodwa ukuba unetyala elifanelekileyo kwaye unokufumana inzuzo enkulu kumboleki-bucala. Iingxowa-mali ezingekho phantsi kobuNyaka zilula ukufumana ilungelo lokuba ubhalise njengomfundi-akudingeki ukuba ube nekhredithi emboleko okanye inzuzo.
Ngokukodwa i-PLUS Imali-mboleko (ngamanye amaxesha abizwa ngokuba yi-"Graduate PLUS Loans") ifumaneka ukuba usayidinga imali emva kokuba ukhathele iMali-mboleko engekho phantsi. Nangona kunjalo, kufuneka ufanele ukufumana iimali-mboleko ze-PLUS. Unokuboleka kuphela njengoko kuyimfuneko "kwiindleko zokuhamba" zakho ngaphandle kweminye uncedo lwezemali oye wathola (njengeeNgxowa-mali ezingenakulungiswa phantsi kunye nePerkins Loans). Kwakhona kufuneka ube nembali yekhredithi ecacileyo yeziganeko ezithile kwixesha elidlulileyo. Ukutshatyalaliswa, izibambiso zerhafu, ukugcinwa kwemali kunye nezinye iziganeko kwiifayile zakho zeebhanki zingathetha ukuba kufuneka ufumene umnxibelelwano wokuba ufanele ukuboleka imali. Iimfuno zeMali-mali ziza ne-interest rate ye-7.9% kunye nemali yemvelaphi ye-4%.
Ukufaka isicelo semali mboleko engentla, tyelela i-Ofisi yoNcedo lwezeMali. Kukulungele ukuqala inkqubo ngokukhawuleza ukuba ucinga ukuba uya kufuna ukuboleka imali.
Hlanganisa ulwazi kwaye uthumele i-FAFSA yakho ekuqaleni konyaka - ngokukhethekileyo ngoJanuwari. Ukuthumela i-FAFSA yakho kwangoko kukuphucula amathuba akho okufumana izibonelelo kunye nezinye iintlobo zoncedo lwezemali.
Iimali ezizimeleyo zabaFundi abaPhumeleleyo
Emva kokuba uboleke yonke into enokuyenza kwiinkqubo zorhulumente, kufuneka ukhangele kubathengi bangebucala ukuba ufuna enye.
Oku mhlawumbi lixesha elifanelekileyo kwisikhumbuzo somntu oqhelekileyo: ngenxa yokuba unako ukuboleka ngaphezulu, akuthethi ukuba ufanele . Khumbula ukuba uza kuhlawula le mboleko, kwaye banokukukhwaza iminyaka emininzi. Imali-mboleko yabafundi yindlela enkulu yokutyala imali kwixesha lakho elizayo, kodwa kukho amabali amaninzi angabonakaliyo malunga nabantu abangena kwiintloko zabo.
Imali-mboleko yemali yabangasese iyatholakala kwiintlobo zababoleki. Amabhanki, iimanyano zemboleko kunye nababolekisi be-intanethi banikela ngemveliso yemboleko yemali yabucala.
Ngokungafani noorhulumente, ababolekisi bangebucala bafuna ukuba ufanele ukuboleka. Uzakufuna i-credit entle kunye nenzuzo eyaneleyo yokubuyiselwa kwemboleko, okanye uya kufuna umnxibelelwano onokuthi unokukunceda ukuba ufanele ukuboleka imali. Uninzi lwabafundi abagqibeleleyo lusemncinci - nje ukuqala ehlabathini - kwaye banzima ukufaneleka ngokwabo.
- Buyela kwizinto ezisisiseko: Yintoni iNgxowa-mali?
Unokuyiboleka kangakanani kumbolekisi wabucala xa usesigxina? Kuxhomekeke kumboleki kunye nentsimi yokufunda. Ngokubanzi, unokuboleka ngaphezulu ukuba ufunda isifundo esivame ukuba nemali ephezulu. Ngamanye amazwi, oogqirha bexesha elizayo kunye namagqwetha baya kuboleka ngaphezu kwamathala eencwadi ezayo.
Ababolekisi ngabangasese banikezela ngemveliso ecacileyo kwintsimi yakho yokufunda, kwaye le yindlela enye enokubangela ukuba ikhangele ngaphezu kweemali mboleko zemfundo. Emva kokuba uphumelele, ungadinga ukugqiba iiyure zokufundela, ukugqithisa iimviwo zeelayisenisi okanye ukufumana izatifikethi zoshishino. Abanye ababolekisiweyo bezemali ezizimeleyo bazibandakanya amalungiselelo anceda ukugubungela iindleko zakho zokuphila ngelixa ugqibe le mi sebenzi.
Unifaka njani isicelo semali mboleko yangasese? Kukho iintlobo ezininzi zeemali-mboleko zabafundi ezizimeleyo zokuxoxa ngezi zinto apha zivela kumalini-mboleko ukuboleka kwaye kuxhomekeke kwintsimi yakho yokufunda. Qala ngokufuna iimali-mboleko zangasese, kwaye unciphise uphando lwakho ngokugxininisa uhlobo lokulinganisa osufuna ngalo. Yilungiselele ukubonelela ngolwazi lwezezimali kumboleki, kuquka nezitatimende zebhanki, ukuhlawula ama-stubs kunye namaxwebhu esikolweni.
Ababoleki be-Intanethi
Kwiminyaka yakutshanje, ababolekisi be-intanethi baye benza iimali-mboleko ezingenakukwazi ukuzithengela. Oku kusebenza kwimali-mboleko yabafundi kunye nemali-mboleko yemali (engasetyenziselwa nayiphi na injongo, ingaba imfundo okanye ibhayisikili elitsha). Qinisekisa ukuthelekisa ngemali-mboleko ye-inthanethi kumalimboleko kwimithombo yemveli. Ukuba awufumani nayiphi na inzuzo ekhethekileyo ekusebenziseni umboleko "womfundi," qwalasela ukusebenzisa imali mboleko xa iimigaqo zingcono.
Ukuhlanganiswa kwemali
Unokuphelisa ngeemali-mboleko ezininzi emva kokuba uqedile izifundo zakho. Ukuba kunjalo, kunokwenzeka ukuba udibanise loo mboleko kwi-mboleko enye . Ingaba okanye akunjalo oko kunengqiqo kuya kuxhomekeka kwiintlobo zemali-mboleko onayo (eyimfihlo okanye yombutho), umyinge wenzala kule mboleko kunye nezinye izinto. Imali-mboleko yaseburhulumenteni iyakwazi "ukuhlanganiswa," kwaye iimali-mboleko ezizimeleyo zingahlanganiswa zibe ngumboleko omnye.