01 Injongo yabazali naphi na
Bonke abazali bafuna ukuba abantwana babo babe nawo onke amathuba okukwazi ukuphumelela ebomini. Abazali basebenzisa iintsuku zabo ngokuhamba ngezingane zabo nakubantu, ukusuka ekusebenzeni umsebenzi wesikolo, bebakhuthaza ukuba bajolise kwaye banqwenele. Abazali baziqhenyayo ukubona abantwana babo befunda nzima, kwaye banethemba elikhulu lokuba abantwana babo abaselula baya kufakwa kwiikholeji ephezulu, eya kuthi, emva kweminyaka emine okanye ngaphezulu, bayithumele kwihlabathi elungele ukwenza izinto ezinkulu. Abazali banelungelo lokufuna nto ngaphandle kwezona zinto zilungele abantwana babo - kodwa kufuneka bakhumbule ukuba bazicwangcise ubomi babo obuhle, ngokunjalo. 02 Ukulindela okulindelekileyo kunye namaPhepha aphezulu
Iikholeji eziphambili zeekhredithi azifihli, njengoko wonke umntu uyazi. Abafundi base-Freshman abangena kwiYunivesithi yaseBoston ngo-2017, umzekelo, bahlawule i-67,352 ngemali ngonyaka owodwa wokufundela, igumbi, ibhodi kunye nemirhumo. Ngelixa abafundi abaninzi banako ukufumana iiphakheji zokuncedisa ngemali, izibonelelo, iimali-mboleko zabafundi, kunye nezinye izongezelelo zemfundo exabisekileyo, akubona bonke abanokuzisebenzisa ngamathuba. Abazali kufuneka bathembeke kwaye banengqiqo kunye nezingane zabo ngexesha lokufaka isicelo malunga nokuba baya kuchitha ixesha elide kwiikholeji. Abazali kufuneka bakhuthaze abahlala esikolweni esiphakamileyo ukuba baphonononge zonke iinketho, kubandakanywa nezikolo zaseburhulumenteni eziya kuba neendleko zeqhekeza yekholejini yangasese ekwazi ukusindisa ngokubalulekayo kwiindleko ze-bachelor degree. 03 Unokuboleka kwiKholeji, kungekhona ukuhlala phantsi
Ukuhlawula kwi-401K yakho okanye ukuthatha umlinganiselo wekredithi kwikhaya ukuhlawula iikholeji kungabonakala ngathi yinto efanelekileyo ngexesha, ngakumbi xa umntwana wakho ephuma kwisikolo sokuphupha ongenakukwazi ukuthenga - kodwa ungenzi . Nawuphi na umcebisi wezezimali oqikelelayo uya kukuxelela ukuba usebenzisa iqanda lakho lokuthatha umhlalaphantsi, nokuba lixabiso lekhaya lakho lokugcina imali, ukuhlawula ikholeji yiphutha elikhulu. Nazi izizathu ezimbalwa ezenza ukuba:
- Akukho siqinisekiso sokuthi umntwana wakho uya kugqiba iikholeji, apho uya kuchitha imali yakho kwaye ungayifumani idideji.
- Umntwana wakho unako ukuboleka imali ukuhlawula ikholeji, kodwa akukho "mboleko yomhlalaphantsi" ukuba ufake isicelo xa kufika ixesha lokuba uyeke ukusebenza.
- Nangona uthanda ukukholelwa ukuba umntwana wakho uza kukunceda ngemali xa ukhula xa uhlawula imfundo yakhe, awukwazi ukuqikelela oko kuza kuzisa ikamva.
"Unokuthatha imali-mboleko yabafundi ngama-3.8 ekhulwini, okanye ungayifaka imali yakho kwi-potifoliyo eyahlukeneyo kwimimandla yamashishini kunye nezibophelelo, kwaye uya kufikelela kwisisindo se-8. , ukutshala imali kumhlalaphantsi, uya kuba yindlela eya phambili. " UWayne Connors, iqabane lokulawula i-401K Investors, LLC (i-US News kunye neNgxelo yehlabathi)
04 Abafundi Ukuhlawula (kunye nokuLondoloza) kwimfundo yabo kuqhelekileyo
Abafundi bayaphonononga ngakumbi nangakumbi kwiikholeji zabo, kunye nesizathu esihle. Njengabazali kunye nabaselula abasakhulayo kwaye bavulekile kwaye baxhunyelelana, abazali ababanqikazi ukwabelana ngeengxaki zabo malunga nekamva labo ngelixa bebanceda abantwana babo baqalise zabo. Njengoko abantu abadala beqala ukuqonda iindleko ezinkulu zeekholeji, kunye neendleko ezinkulu zokuthatha umhlalaphantsi, baya kufumana bafuna ukwenza okunye ukukunceda ukuhlawula isikolo. Iipesenti ezingama-80 zabafundi beekholejini bawuncipha imisebenzi ngelixa befunda, ngokuphindwe ngama-19 iiyure ngeveki kunyaka wesikolo, ngokutsho kwe-2013 College Student Pulse survey eyenziwe nguweGov weCiti neSeventeen Magazine. Baye banceda ngezinye iindlela, nabo-kuquka ukuhlala ekhaya endaweni yekampus ukugcina iindleko. Uphando olufanayo lwe-YouGov lufumene ukuba iipesenti ezingama-35 zeekholeji zihlala nabazali bazo; Iipesenti ezingama-32 zihlala kwikhaya le-campus; Iipesenti ezingama-18 zihlala kwi-campus kunye nabahlobo kunye neepesenti ezi-4 zihlala kwikampus ngokwabo.
Ngokuthatha ezinye zeemfanelo zezemali kwiikholeji zabo, abadala abaselula banikezela abazali babo igumbi lokuqhubeka nokugcina kunye nokutshala imali yabo yomhlalaphantsi kunye neminyaka emdala. Ingaba ikamva elikhuselekileyo kubazali babo libaluleka kubaselula abaseluxolweni kwengqondo? Kakade kunjalo.