Inkathazo yemboleko yemfundo iye yavelisa udidi olutsha lweqhawe lomntu-ogqweswa kwiikholeji ohlawula inani lokuphuma kwamehlo edoti mboleko kwizinto ezinjengexesha. Sifumane abayisithandathu kwabafundi bemali mboleko kwaye sifunde iimfihlelo zabo-ezinye zazo onokukwazi ukuzisebenzisa kwinkqubo yakho yokubuyisela.
I-Preparer: uCody Clegg, 24
Umgangatho: BS kwiNjineli yeMechanical evela kwiGeorgia Institute of Technology
Umsebenzi: Injini yokwakha
Ukuhlawulwa: $ 16,000 ngonyaka (kwenziwa ngoJuni / Julayi)
Kuba baninzi abaphumelele, ukunyaniseka kwemali-mboleko yabo yabafundi xa befumana ibhilidi yokuqala emva kokugqweswa-okuza xa ixesha lobabalo liphela emva kweenyanga ezintandathu emva kokugqweswa. Uninzi lwamatye aluthumeleli ntlawulo yokuqala kuze kube ngoko.
Kodwa uCody Clegg wagxuma isibhamu. Xa waphumelela kunyaka odlulileyo nge-$ 16,000 yexabiso lesikhwama somfundi , wayesebenayo ibhajethi kwindawo ebeyiyo. Uyafuna ukungena eluhlaza, kwaye ufike kwixesha lokukhula lobomi bam, "uyachaza. Wayeyazi ukuba ingeniso yakhe iya kuba yintoni emva kokugqweswa, kunye-nokusebenzisa ipesenteji ezipheleleyo ezihlawulweyo-i-bajeti yenyanga-mali: malunga neepesenti ezingama-25 eza kufikelela kwirejista, iipesenti ezi-8 ukuya kwiinkonzo kunye nokuthutha, iipesenti ezi-6 ukuya kwizinto zokuthengisa kunye nokwenza amaphesenti angama-26 kumfundi mboleko. (Iipesenti ezingama-35 zebhajethi yakhe kukutya, ukuzizonwabisa, ukugcina kunye nezindleko ezingalindelekanga, njengokugcina imoto.)
Ukuhlawula iimali-mboleko zakhe kwixesha eliyimiselweyo eliyiminyaka eli-10 bekuya kubabiza i-$ 116 ngenyanga. Uhlahlo lwabiwo lwabiwo-mali lwaye lwamvumela ukuba ahlawule ama-8.6 amaxesha angama-$ 1,000 ngenyanga, ngamanye amaxesha ngaphezulu. Kwaye, njengengqeshiso yakhe, wayibona njengendleko ehleliweyo. Kwakhona wabela i-$ 2,000 yebhonasi yakhe yokuphela komnyaka kwi-balance and plans to use his return tax, kwakhona.
UClagg uthi, "Ndandonwabile kwaye ndithembele ngokuxhamla kwiimboleko ngokukhawuleza," kuchaza ukuba uphumelele ekuzimeleleni nasekuhlakanipheni kwezezimali kumkhulu wakhe. "Umkhulu wam wayengumntu oshishino. Nangona wayephelile, wayehlala ekulungele ukugcina imali nokuvumela imali yakhe ikhule. "
Uhlahlo lwabiwo-mali olusisiseko : uConce Maddox, 25
I-Degree: BA kwi-Journalism evela kwiYunivesithi yaseMntla Illinois
Umsebenzi: Umbhali wenkululeko
Ukuhlawulwa: $ 20,000 kwiminyaka emithathu
Iminyaka emithathu edlulileyo, uChonyce Maddox waphumelela ngee-20,000 zama-dollar kwimali-mboleko yabafundi, i-$ 10,000 yengxelo yemoto, kwaye akukho msebenzi. Ngethuba le nto wayenomsebenzi, imali yokubolekwa kwemali-mboleko yabafundi ikhule (kunye nenzala) ibe yi-$ 21,113. I-gig yakhe yokubhala engama-28,000-ngonyaka yayingeke ibe yinto eninzi yokwenza loo nto - kunye kunye, wayefuna ukugxila kwingxowa-mboleko yemoto ekubeni inzala yayo (15.5%) yayiphezulu kakhulu kunemali-mboleko yomfundi. Ngoko ngokungafani nabaninzi bemali mboleko, abafundi bakaMaddox banciphisa iintlawulo zakhe zenyanga - ngokusayinisela iSicwangciso soRhoxiso esiQinisekisileyo, ukunciphisa iindleko zancinci zenyanga ukuya kwii-150 zonyaka.
Kodwa ngowama-2016 - emva kokuba imoto ihlawulwe - yazikhupha iintlawulo ze-$ 1,000. Njani? Ngoku (ngokukhawuleza) ukusika iindleko zakhe, ukufumana imali echanekileyo kunye nokufuna umsebenzi owongezelelweyo kwicala.
UMaddox kunye naye-kamfana (ngoku ngumyeni) bathuthele ukuhlahlisa irente zabo kwi-440 ngenyanga. Wayephelisa neendleko ezingadingekile kwaye azizange azixabise. Ngokomzekelo, watshintshela kwinkampani yefowuni ehlawulwe kuqala kwaye wakhetha inkonzo yokuhambisa ukusindisa i $ 1,020 eyongezelelweyo kunyaka wokuqala. Futhi ugcina isabelomali esincinci se-$ 300 ngenyanga, kwaye nayiphina imali evela kwii-gigs zecala - kunye nokuphakamisa - ityala lakhe. Ekupheleni konyaka, iiprojekthi zokugqiba ukuhlawula ityala lakhe.
Umqhubi weNombolo : uEric Rosenberg, 32
Umgangatho: MBA, iYunivesithi yaseDenver
Umsebenzi: Umbhali wezezimali ze-Freelance kunye nosomashishini
Ukuhlawulwa: $ 40,000 "kwiminyaka emibini nantandathu"
"Ndazi ukuba i-MBA yayiza kuhlawula ngokwayo," u-Eric Rosenberg wesigqibo sakhe sokuphishekela idigri ephakamileyo yayiza kumnciphisa i-$ 92,000.
Wagqiba ukuhlawula yonke into ngaphandle kwipokethi ngaphandle kwee-40,000 zama-dollar kwimali-mboleko yabafundi (kunye ne-$ 3,000 umqashi wakhe angena kuyo). Kwaye wanciphisa ityala ngokubuyiselwa kwemali mboleko ngokukhawuleza ukuba wathatha. Uthi: "Ndaqala ukwenza inzala-ntlawulo kuphela kwimigangatho engabonakaliyo ngokukhawuleza xa ndifumana iimali-mboleko." "[Ukuhlawula umdla] kwanceda ndakhe umkhwa wokusebenzisa i-autopay kwaye ndawenza [iintlawulo] uhlobo lwesibini kunye nesithethe."
Umvuzo wakhe xa waphumelela kwakuyi $ 49,000. Xa uRosenberg eqala ukuhlawula iinqununu, wayesebenzisa indlela yakhe ye-snowball, okwenza intlawulo encinci nganye kwiimali-mboleko zakhe ezine (mboleko kunye ne-Stafford mboleko engabikho phantsi kwonyaka ngamnye wesikolo) kunye nokubeka imali eyongeziweyo ityala lakhe kumntu one-balance balance. Ngenxa yezizathu ezongezelelweyo, walandela inkqubela yakhe usebenzisa iinjongo eziphathekayo kwiMint.com.
Umxhasi : uSophia Khawly, 28
Umgangatho: BS kwi-Nursing, eFlorida State; MS kwi-Nursing, kwiYunivesithi yaseMiami
Umsebenzi: Umongikazi wehambo
Ukuhlawulwa: $ 52,000 kwiminyaka emithathu
Emva kokuba uSophia Khawly aphumelele, wazimisela iindleko eziphantsi - ngokuphantsi. Wahlala kunye nonogogo nomkhulu-ntlawulo-ntlawulo malunga neminyaka emithathu, ngelixa esebenza njengomongikazi wexesha elizeleyo kwiklinikhi yokugonywa eMami. Uhlahlo lwabiwo lwabiwo mali lwama-$ 65, kunye ne-$ 100 yokutya. Ukugcina iindleko zakhe ezincinci kumncedisa ukuba aqale ukuhlawula i-$ 1,200 ngemali-mboleko yakhe - ngokuphindwe kabini ukuhlawulwa kwentlawulo ye-$ 600. Wayecwangcisa kunye neSoFi ngoJuni ka-2014, eyanciphisa inzala yakhe kumlinganiselo we-5.5 ekhulwini (ukusindisa imali engama-$ 7,300 kwenzalo yokuphila), kunye nokwandisa ubuncinci bayo ubuncinane kwii-800 zamawaka (apho waqhubeka nokuhlawula i-$ 1,200). Zomibini utshintsho zimbeka kumzila wokuba ungekho matyala iminyaka emihlanu ngaphambi kweshedyuli.
Ngethuba elishiya eMami iminyaka engaphantsi konyaka ukuqala umsebenzi wakhe wangoku nje ngokuba ngumongikazi ohambahambayo (apho umqeshi wakhe eqhubeka nokunyathela umthamo wezindlu), wafumana ityala lakhe phantsi kuma-20,000. Kwakuyithatha lo msebenzi owawuhlawulela ngokwenene. "Emva kokuba ndiqale ukusebenza njengomongikazi ohambahambayo, ndaqala ukubeka nayiphi na imali eyongezelelweyo kwimali-mboleko yam. Oku kwaphela kwaba ngu-7,000 / inyanga, eyandivumela ukuba ndihlawule intsalela yam mboleko kwiinyanga ezintathu. "
I-Buddy System : I- autumn L, 31
IsiGanga: iMasters kwiiNkxaso zoNcedisi wezeMpilo, kwiYunivesithi yaseCarroll
Umsebenzi: Ugqirha oncedisayo onobuchopho
Ukuhlawulwa: $ 85,000 kwimali-mboleko yabafundi, kunye ne-15,000 ebolekwe kwintsapho, kwiinyanga ezingama-21
I-autumn (eyasicela ukuba sigcine igama layo lokugqibela) yayisebenza njengomqambi wewebhu iminyaka embalwa xa eqonda ukuba ufuna ukubuyela esikolweni ukuba abe ngumncedisi wezonyango-isigqibo esayiza kubabiza i-$ 100,000. Waphumelela, wathuthela kwisixeko saseNew York, waqalisa umsebenzi wakhe omtsha, waza wadibana nesoka lakhe, uJoe, owathi wagcina ebambe indima enkulu ekuhlawuleni ityala lakhe. Okokuqala, wamkhuthaza ukuba ahlaziye ii-66,000 zamaRandi eziseleyo kwiingxowa-mali zemali; wenza njalo nge-CommonBond, ekunciphiseni intsingiselo yakhe kwisilinganiso se-3.4 ekhulwini eyabangela imali engama-15,000 engama-interest kwiinyanga ezilisithoba ezalandelayo. Kwaye kulezi zinyanga ezithoba, wayithatha imali engama-66,000 ukuya ku-R10 000 ngokuthatha ixesha elide lokusebenza emsebenzini (wafumana i-$ 35,000 eyongezelelweyo), ukufumana iiprojekthi ze-logo ezizimeleyo, nokufumana izinto zokuthengisa.
UJoe wamnika imali engama-$ 10,000 ayikho inzala. "UJoe wayemnandi ngokujonga ukuba ndiqhuba njani ngezemali, ngokwengqondo nangokwemvakalelo, kwaye undikhumbuze umfanekiso omkhulu xa ndiqala ukufumana umbono we-tunnel," utshilo. Ingaba kukho enye into ebalulekileyo, umzali okanye umhlobo, ukhuthaza abantu ukuba banomsebenzi wokuphendula uxanduva lokukugcina ekulandeleni - kwaye, ukuba kunokwenzeka, kukuncedise ngenkokhelo engenamdla!
I-Realist : Kevin, 30
Umgangatho: uMthetho, iYunivesithi yaseMinnesota
Umsebenzi: Ugqwetha
Ukuhlawulwa: $ 87,000 kwiminyaka eyi-2.5
Ukuhamba ukusuka ekugqibeleni umfundi ukuya kubafundi abathandathu kubuninzi bobusuku akukothuki nje kwinkqubo, kodwa ukutshitshiswa kwi-wallet. "Nawuphi na oqeqeshi oqala ngomvuzo omhle unokuwa kwexhoba lokuphila kwamanani emveliso," usho uKevin (owasibuza ukuba sigcine igama lakhe lokugqibela). "Bafumana indlu yokuhlala, izambatho ezinamabala. Ndaqhubeka ndihlala njengomfundi. "
Ukongezelela ukugcina umthwalo kwi-interest by refinancing his loan (double to 4.3%), emva koko ukuya kwizinga eliguqukayo ukusuka kwi-1.93 pesenti phandle, kwaye waqhubeka esitolo-kwaye agqoke-kwisabelo-mali. "Xa uhlaziya ubomi bakho, kunzima ukuhlaziya. Ukuba usetyenziswe kwisitayela esithile, asiziveki ezahlukeneyo, "utshilo.
Kunye noKelly Hultgren