Amanyathelo okuthabatha xa ufaka i-FAFSA
Umtshato womtshato unempembelelo eninzi engabonakaliyo kunye neyobonakalayo kwintsapho, ingakumbi loo nto ingayidla iminyaka emininzi. Kukho imibuzo yokugcinwa, ukuhlala kwamalungiselelo, inkxaso yokuxhasa abantwana kunye ne-alimony, kunye neengxoxo ezinzulu malunga nokuhlukana ngokulinganayo kwepropati kunye nexabiso. Ukungathembeki kunokubeka wonke umntu kwi-tizzy yemvakalelo njengoko ukunyaniseka kwabantwana kutyatywe phakathi kwabazali babo ababini.
Ukuba enye yabantwana iphinda isetyenziswe ekolishi, eminye imibuzo ephazamisayo ngakumbi iya kudlala. Nazi ezinye iindlela zokwahlukana kwabazali kunokuchaphazela inkqubo yenkxaso-mali yekholeji yomfundi:
- Nguwuphi umzali ozalisa i-FAFSA? Oku kudla ngokuba yimibuzo ebalulekileyo kunomtshato, nangona imigaqo ecacileyo icacile. Imfuno esemthethweni kukuba umzali okhuselekileyo nguye ozalisa i-FAFSA. Ngokuqhelekileyo ngumzali lowo umntwana ahlala kunye nezona zininzi kwiinyanga ezilishumi elinesibini ezedlule ukufakela i-FAFSA. Umzali okhuselekileyo makaxelele nayiphi na inkxaso inkxaso yomntwana okanye iintlawulo ze-alimony ezifunyenwe njengeniso. Ukuba ixesha lilinganayo, ngumzali owanikezela inkxaso eninzi yemali. Ezinye iintsapho ziya kuzama "umdlalo" kwinkqubo ngokumangalela ukuba umfundi uhlala nomzali ongenaphantsi-mali, okanye ngokwenza i-alimony kunye nenkxaso yokuxhasa abantwana "phantsi kwetafile" ukuze bangabonakali kwimbuyekezo yentela. Oku kungaba ngumdlalo onobungozi wokudlala. Ezinye iikholeji zinokucela ukuqinisekiswa okanye amaxwebhu enkundla ukuba ixhase iimali zengeniso kunye nezokuphepha, ezingakhokelela ekunciphiseni uncedo lwemali kumfundi.
- Kuthekani ukuba abazali bahlala kunye kunye ? Ngezinye izihlandlo abazali abahlukanisiweyo okanye abazali abahlukeneyo bakhetha ukuhlala kunye kunye nemali okanye ezinye izizathu. Kule meko, inzuzo yabazali bobabini iya kubikwa kwi-FAFSA. Nangona kunjalo, ukuba bahlukana ngokwasemthethweni kodwa bengakhange baqhawule, kwaye bahlala kunye, umzali omnye kuphela uzalisa i-FAFSA.
- Ngaba kufuneka sichaze ngeniso lomzali? Ukuba umzali wesibini utshatile kwaye uhlala nomzali okhuselekileyo, loo nkcazelo yezemali nayo kufuneka ibhengezwe kwi-FAFSA. Umzali wesibini unokukwazi ukubala abanye abantwana njengenxalenye yendlu ukuba unika inkxaso engaphezulu kwesigxina sezimali zabo.
- Ukuhlala nomzali emva kokufa komzali wezinto eziphilayo: Ukuba umzali wakho wegazi ufile, kodwa usaphila nomlingane wakho njengomzali wakho, awuyi kusebenzisa ulwazi lwazo lwemali ngaphandle kokuba lowo mntu wamkele ngokusemthethweni. Sebenzisa ulwazi lwezemali malunga nomzali wakho ohlalayo.
- Ukuhlala kunye nezinye izalamane: Ezinye izahlulo zinomsindo kangangokuba kubhetele ukuba abantwana bahlale kunye nezinye izihlobo; Nangona kunjalo, oku akutshintshi imfuno yokusebenzisa ulwazi lwezimali lwabazali ngaphandle kokuba izalamane zamukele ngokomthetho umntwana.
- Kuthiwani ngecebo lethu le-529? Kucetyiswa ukuba nomzali okhuselekileyo obhalwe phantsi njengomnini wecebo lokulondoloza ikholeji le-529 . Nangona liza kubalwa njengoluhlu, izabelo aziyi kufakwa kwingeniso. Ukuba umzali ongeyena umgcini-mboleko unalo ubunikazi, alufakwe njenge-asethi, kodwa ukusabalalisa kubalwa kwi-FAFSA njengengeniso engaxhaswanga kwi-beneficiary, umfundi, onokuchaphazela kakubi inani lemali-mali enikezelwayo.
Ukuba kunengqondo ngemali ukuguqula ilungiselelo lokugcina, kunye nabazali bobabini kunye nomntwana banelungelo ngokuvumelana nesivumelwano esitsha, senze ngokusemthethweni nangokufanelekileyo kwinkqubo yenkundla ukuze ufumane amaxwebhu angqinisisiweyo ukuba abonise, ukuba kufuneka. Qinisekisa ukuba ushiye ixesha elininzi lokucwangcisa iphepha njengoko isivumelwano kufuneka sibe khona ngaphambi kokuba i-FAFSA iqalise. Ukususela ngo-2016 ixesha le-FAFSA liya kuqala ngo-Oktobha 1. Qaphela nayiphi na imali eyenza ivelise inzuzo enkulu, nangona kunjalo, njengoko kunokunciphisa uxhaso lwemali. Ukwahlukana kungabangela ixesha elinzima, ngoko wenze izigqibo ngokusekelwe kwiminqweno ebalulekileyo yabantwana bakho kwaye uzama ukucinga ngokucwangcisekileyo xa kufikelele ekuzaliseni i-FAFSA ukwenzela ukuba ithuba lakho lemfundo yekholeji lithintele kakubi.