Nangona Ulibala Umthengisi Wakho, Unako Ukufumana Uninzi Kangakanani?
Kuyinto enzima yokulinganisa isenzo ukuzama ukuboleka imali echanekileyo yemali ukuze ukwazi ukuhlawula iindleko ezikhoyo ezikhoyo, ngelixa ungahlawulanga kangangokuba kuya kunzima ukubuyisela le mboleko emva kokugqweswa.
Ingqiqo enhle ukugcina umkhondo wendlela oboleke ngayo, kwaye uninzi kangakanani umrhumo xa unomdla ongezelelweyo ukwenzela ukuba uya kuba nombono ongcono kwiimfanelo zakho zokuhlawulwa kwemali mboleko.
Xa uxakeke kwiikholejini, kunjalo, kunokulula ukulahlekelwa umzila wemali mboleko kunye ne-balance balance. Abafundi abaninzi banokufumana iimali-mboleko ezincinane kwi-semester nganye. Ezi mboleko zingaba ngumxube weentlobo ezahlukeneyo kubandakanya imali yokubolekwa kwezemfundo, ezifana nePerkins, Stafford, kunye ne-PLUS, okanye iimali-mboleko zabafundi abazimeleyo.
Nangona kunokuba kubonakale kunzima, kubalulekile ukugcina umtsalane wemali-mboleko onayo kunye nenani elipheleleyo letyala olinetyala. Oku kunokuba luncedo ngelixa ukholeji, kwaye njengoko uqala inkqubo yakho yohlahlo lwabiwo-mali emva kokugqiba. Emva kokuba unenombolo eqinile ukuqala, unokuqala ukudala isicwangciso sokubuyisela ukurhoxisa loo matyala ngokukhawuleza.
Nangona i-ofisi yakho yoncedo lwezemali yesikolo inakho ukukunceda ngeenkcukacha ezithile kunye namanani, kukho enye indlela yokufumana ibhalansi yakho yemalimboleko yomfundi.
Ukufumana Umlinganiselo Wemivuzo Yomfundi
Nangona unako ukufikelela kwiinkcukacha nge-akhawunti yakho ye-My Federal Student Aid, enye indlela ihamba ngqo kwiNkqubo yeSizwe yeNkxaso-mboleko yeMali (iNLDS). Le ngcaciso yeSebe leMfundo leMfundo lase-United States liyakwenza uncedo lwabafundi, kwaye ligcina yonke imboleko yakho yomfundi.
Igcina ulwazi ukwenzela ukuba unokukujonga ngokukhawuleza naluphi na okufunekayo, kwaye iya kukuxelela ukuba zeziphi iingxowa-mboleko ezixhaswa okanye ezingenasigxina. Kuzo naziphi na iimeko, uzakufuna i-ID ye-FSA ukuze ungene ngemvume.
I-NSLDS ikwazi njani ukulinganisela kweeNgxowa-mali zabafundi bakho
Ulwazi kunye nedatha yedatha ziqokelelwa kwaye zihlanganiswe kwimithombo eyahlukeneyo njengee-aranty arhente, abaxhamli bemali mboleko, iinkonzo zokuqokelela amatyala kunye namanye arhente yemboleko yemirhumo. Xa ubhalisa kwiikholejini okanye kwiyunivesiti, isikolo sibuye sithumele ulwazi, kubandakanye nayiphi na ityala lomboleko lomfundi owawuthathayo, kwi-NSLDA. Iphawula xa ukhupha imali mboleko xa yachithwa xa ixesha lakho lobabalo liphela kwaye nangona ulihlawule. I-NSLDS iluncedo kuba unikeza umfanekiso opheleleyo wemali-mboleko yakho ye-federal ngokukhawuleza, ngoko uyazi ngokukhawuleza ukuba unetyala elingakanani.
Imali yeMali yokuThengwa kweMali yabangasese
I-NSLDA ayinikezeli ulwazi malunga neengxowa-mali zemfundo yabucala. Oku kunokuba nzima kubabuni-bucala babucala ngamanye amaxesha bathengisa iimali mboleko zabo kwezinye iikhampani. Ukuba awuqinisekanga ukuba ngubani obolekisi bakho kubabolekisi bemfundo yabucala, umboleki-mali oyilungu okanye i-ofisi yakho yoncedo lwezezimali unokukwazi ukunceda. Ukuba akunjalo, unokwazi ukuyijonga ngokujonga ingxelo yakho yekhredithi.
Khangela ingxelo yakho yesikweletu yonyaka evela kwi-Equifax, iTransunion okanye i-Experian eya kubonisa onke amatyala akho akhoyo kunye ne-akhawunti, kubandakanye nayiphi na yonke imali yokubolekwa kwabafundi. Unokufuneka ufumane ingxelo yakho yekredenti evela kwiinkampani ezingaphezu kweyodwa ukufumana yonke imali yakho mboleko, nangona kunjalo, njengokuba abanye ababolekisi bathetha kuphela iinkcukacha kwi-arhente ezithile zeentengo kunye nabo bonke.
Nangona ukuhlawulwa kwemali-mboleko yomfundi kunokuziva kunzima ngamanye amaxesha, kubalulekile ukwazi umboleki okanye u-servicer olawula umboleko ngamnye, kwaye unjani umvuzo kwilowo nalowo. Ngokufumana umfanekiso opheleleyo wobhaliso lwabafundi bakho, ungafumana iimali zakho. Unokuphuhlisa isicwangciso sokubuyisela esisebenzela umvuzo wakho kunye nendlela yokuphila, kodwa ohlawula phantsi ityala ngokukhawuleza ukukugcina imali ngexesha.