Ngokuqinisekileyo kunokwenzeka ukuba ufumane iimboleko ngaphandle koqhagamshelwano, kodwa akusoloko kulula (ngakumbi ukuba ufuna iimali-mboleko zabafundi zangasese).
Lowo Unyanisekileyo: Iingxowa-mali zabafundi be-Federal
Urhulumente wase-United States unikezela iinkqubo ezininzi zembolekiso, ezinye zazo azifunanga umlando weebredithi (ngoko ke awuyi kufuna umququzeleli ukuba avunywe). Kungcono ukuqala ukuboleka ngemali -mboleko yemfundo yezikolo ngezizathu ezininzi.
- Imali-mboleko yaseburhulumenteni iyafumaneka ngaphandle kokuhlolwa kwekhredithi okanye iimfuno zokufumana imali.
- Amanqanaba omdla aphantsi kwaye angasetyenziselwa ubomi bomboleko wakho.
- Iindleko zenzalo zingancediswa (okanye zihlawulwe ngabanye abantu) ngelixa usesikolweni.
- Unokwazi ukusebenzisa iinkqubo zokubuyisela iimeko eziguquguqukayo ezifana nokuhlawulwa kwentlawulo emva kokugqiba.
Umzekelo, iNgxowa-mboleko eNgqalileyo kunye neNgxowa-mboleko engaqinisekanga (eyaziwa ngokuba yi-Stafford Loans) kulula ukuyifumana kungakhathaliseki ukuba unakho ukuhlawula. Kodwa uya kufuneka uhlawule loo miboleko ngelinye ilanga, ngoko uboleka kuphela njengoko ufuna.
Imali mboleko yakwaPerkins yinto enye, kodwa ezo mboleko zigcinwa kubbolekayo ngeyona mfuneko yemali enkulu, kwaye akukho mqinisekiso yokuba uya kufumana umboleko wePerkins.
ISebe leMfundo lenze kube lula ukufumana imali, kodwa kukho i-hitch: Awukwazi ukuboleka kangangoko ufuna. Iinkqubo zembolekiso zikaRhulumente ziza nemida (ixabiso elininzi unako ukuboleka nganye kwikota), kwaye xa ufikelele kumda kufuneka ufune ezinye iimithombo zemali.
Ukuba udinga okungaphezulu kunokuba ungayifumana kwimali-mboleko yomthetho, unako ukufudukela kubani-mboleko bangebucala .
Imali Yemali Yabafundi Abangasese
Ababolekisi bamabango baquka amabhanki, ababolekisi be-intanethi kunye nezinye iinkampani okanye imibutho ebonelela ngemali abafundi. Abo babolekisi abazuzi kuqinisekiso seburhulumenteni, ngoko ke benza izigqibo zokubolekisa ngokusekelwe kwikhono lakho lokubuyiselwa: umlando wakho wekhredithi kunye nengeniso, ngenxalenye enkulu.
Ukufumana imali mboleko yomfundi wangasese ngaphandle kokuba u-cosigner kunzima. Nangona kunjalo, ukuba uphakathi kwabafundi abambalwa abanomvuzo ongenamathelwano kunye nomlando weebhanki, unethamsaninzi - uninzi lwabaontanga abanalo lunye lwabo. Unako ukufaka isicelo kwaye ufumane imvume.
Ukuba awunayo ingeniso eqinileyo kunye nekhredithi, ukuboleka ngokwakho kuya kuba nzima nokuba kubize. Ngelishwa, awuyi kuba neendlela ezilula ngaphambili. Izibhengezo zinokuthembisa ukuvunyelwa lula, kodwa ngokuqinisekileyo ziphelile ekupheleni kwezona zinto ezifanelekileyo - kunye nezigwenxa ezibi kakhulu. Ngokukhawuleza uyazi oku, bhetele.
Ukuba unesiseko esithile sesikweletu ungasoloko uzama ukufaka isicelo semboleko ngaphandle koqhagamshelwano. Kodwa ngaphandle kwepropati ebolekisayo, ababolekisi banokukuyeka. Nangona kungenzi buhlungu ukubuza kanye okanye kabini, izikolo zakho zekrediti ziyakwazi ukukhawuleza xa ufaka izicelo ngokuphindaphindiweyo.
Yakha iNgxowa-mali
Ukwakha isikweledu akusisisombululo esheshayo, kodwa ekugqibeleni kukuvumela ukuba ufaneleke ukuboleka imali. Cwangciso lwenkqubo yokuthatha iminyaka emibini okanye ngaphezulu, kwaye uqaphele ukuba awuyi kuba nomlinganiselo weyona matyala aphezulu kwihlabathi emva kwelo xesha. Nangona kunjalo, ukuba kuyona yodwa inketho onayo kwaye ukulungele ukulinda, ngoko kuyindlela enhle.
Yakha umlando wakho wekhredithi ngokuboleka ngokufanelekileyo. Nangona ungeke ubole ngokwaneleyo esikolweni ngoku, unako ukufumana imali encinci okanye ikhadi lekhredithi. Ukuba usebenza ixesha lesithuba kwaye unokufaka i-$ 500 okanye kunjalo kwi-union union , buza malunga " nekhadi lesikweletu elikhuselekile " okanye imali ebolekileyo yemali , okuqinisekileyo kukunceda ukuba ubeke isikweletu.
Sebenzisa iKosigner
Ewe, kuyavakala ukuphosa ukuba injongo yakho yayiyiboleka ngaphandle komxhasi. Kodwa oko akunakwenzeka, okanye mhlawumbi uneminyaka emininzi phambi kokuba ungayikhupha - kwaye mhlawumbi unako ukuba ungabi namanqaku okuthenga ngetyala.
Ukuba uzame enye into, cinga ukuba ubuze umntu ukuba akhokhe imali mboleko yomfundi. Ewe, umququzeleli wakho makazimisele kwaye akwazi ukuthatha umngcipheko kuwe, kodwa ingozi ingaba yincinci kunokuba ucinge. Qinisekisa ukuba nayiphi na i-cosigner uyayiqonda into ejongene nayo, kwaye bavumele ukuba bathathe isigqibo.
Ukubandakanyeka kwakho kunye ne-cosigner kungenzeka kube mfutshane kunokuba ungalindela. Ngezinye iimboleko zemali, abaqhawuli bexeshana - banokukhishwa embolekweni emva kokuba wenze iintlawulo zeminyaka embalwa. Loo nto ikuvumela ukuba uhambe ngokuzimeleyo, kwaye ivumela umnxibelelisi wakho ukuba angene kumngcipheko wokubuyiselwa kwemboleko yakho.
Sebenzisa uMbambiswano
Izinto ozithandayo zingabakhokelela kwiimali mboleko, nangona ngokwenu awuzukufumana "mboleko yemali." Ukuba unemoto, umzekelo, unokubambisa isithuthi njengesibopho semboleko. Mhlawumbi awuzukufumana ngokwaneleyo ukuxhasa yonke imfundo, kodwa kunokukunceda ufumane iiklasi ezimbalwa phantsi kwebhanti yakho ngelixa ukwakha isikweletu.
Iimali-mboleko zemali ngokubambisana ngokuqhelekileyo zibiza kwaye ziyingozi, kodwa zikhethwa ukuba ngaba oko kuthatha ukuphumelela. Ukuba uhamba ngale ndlela, uboleka kumaziko aqhelekileyo afana neebhanki okanye iimanyano zeentengo zemali ezinikezela ixesha lokuhlawula imali (kwaye qiniseka ukuba unokuhlawula ityala ekuqaleni ).
Ezinye iindlela zokuboleka
Kuhlala kukulungele ukuboleka kangangoko kunokwenzeka, kwaye ukungakwazi ukusebenzisa umququzeleli kunokukunyanzela ukuba usebenzise ubunzulu. Nangona kukho ubunzima besikhathi esifutshane, kunokukunceda xa unetyala lesincinane labafundi kunokuba bakho ontanga kwixesha elizayo. Kukho ezinye iindlela zokuxhasa imali yakho ngaphandle kokuthatha ityala:
- Izibonelelo kunye neengxowa-mali zibonakalisa imali ekhululekile engadingi ukuhlawulwa. Nangona kunjalo, kufuneka ukuba ufake isicelo, kwaye awukwazi ukuba ngaba iinzame zakho ziya kuvuzwa. Oko kwathiwa, ezinye iinkqubo zilula ukufaka isicelo.
- Ukusebenza ngexesha lesikhathi kuthatha ixesha elixabisekileyo onokuthi ungenalo, kodwa ingeniso iyanceda. Ezinye izikolo zinikeza imisebenzi yokufunda umsebenzi, kwaye iikholeji zihlala zinezoshishino ezikufuphi ezinokuqesha abasebenzi bexeshana.
- Amaziko anqabileyo aphantsi ayenokuba yinto ekhethekileyo xa iifom ziqinile. Ukuba kuyimfuneko, unokwazi ukudlulisela kwesinye isikolo emva kokuqalisa-kodwa uphando nokuba ingaba naziphi na izikratshi ziza kubalwa kwinqanaba lakho lokugqibela.
- Isifundo somfundi singafumaneka kwiinkampani zendawo yakho. Nangona kungenakuba ngumsebenzi owufunayo, ukuba ungeze iimfuno zemfundo kwipakethi yakho yembuyekezo, loo misebenzi iqalisa ukubheka ngcono.