Khuthaza abazalwana ukuba baqikelele ukunika amabhondi okugcina imali kwiKholeji
Ziziphi iibhanki zokugcina iikholeji?
Ukusebenzisa izibophelelo zokugcina imali ekufundiseni iikholeji zexesha elizayo kungaba yindlela elula kunye nelula yokubeka bucala imali kumntwana okanye kumzukulu. Izibophelelo zokulondolozwa kweekholeji, ezibizwa ngokuba yi- Federal Savings Bonds , zikhutshwa liSebe lezeNondyebo kwaye zinikezelwe abantwana iminyaka ukuba ziqale iakhawunti yokulondoloza iikholeji .
Inzuzo yezihlobo ezininzi ezinika izibophelelo kukuba umntu akakwazi ukulahlekelwa yinqununu kwaye imali kunzima ukuyifumana xa umntwana eselula; ukuqinisekisa ukuba iibhondi ziya kusetyenziswa injongo yazo. Unako ukunika abantwana bakho i-Series EE okanye i-Bonds ukubanceda ukuba bagcine iikholeji. Xa ixesha lokukhusela iibhondi zokuhlawula iikholeji, unako ukuyifaka imali okanye ukuyifaka kwisicwangciso se-529.
Indlela yokusebenzisa iibhonki zokugcina ukuhlawula ikholeji
Ukukhululwa okukhethekileyo kwikhowudi yentlawulo ebizwa ngokuba yi-Savings Tax Bond Tax Exclusion ikuvumela ukuba ugweme irhafu xa ubeka imali kwiintlobo ezithile zokugcina izibophelelo kwiikholeji ukuba imali isetyenziselwa indleko zemfundo ephakamileyo.
Ukuze ufaneleke, kufuneka uhlawule iindleko zakho zekholeji ngunyaka onye werhafu apho iintlawulo zihlawulelwayo. Kwakhona, umntu othengekileyo, onguye ngumntu okhulula iibhondi kufuneka ukuba ubuncinane ubuneminyaka engama-24 ubudala ngenyanga leyo athe wathengisa ngayo iimbophelelo.
Qinisekisa ukuba iibhondi zithengwa phantsi kwegama lakho kunye / okanye igama lomlingane wakho; umntwana ongenelwayo akakwazi ukubalwa njengomnini-mlingani ngaphandle kokuba usebenzisa izibophelelo kwimfundo yakho, apho imeko iinqununu kufuneka zithengwe phantsi kwegama lakho. Ukuze ufaneleke, kufuneka kwakhona ufake ifowuni yokubuyisana xa utshatile, udibana neemfuno ezithile zeengeniso kwaye uqiniseke ukuba isikolo sifanelekile ukuba kube yinkqubo yemfundo yasesekondari ehambelana nemigangatho yoncedo lombuso.
Ukukhethwa kwi-Roll Bondings Bonds kwisiCwangciso se-529
Ngenxa yemingcipheko yokufaka imali kwiimali ezigcinwe kwiikholeji, abaninzi abantu bafuna enye inketho. Isisombululo esisodwa kule ngxaki sifaka okanye siqhube izibophelelo zokulondoloza kwisicwangciso se-529.
I-akhawunti ye-529 yi-akhawunti yokulondoloza irhafu elandelwe irhafu engasetyenziselwa ukuhlawula iindleko zekholeji. Nangona imali edibeneyo kule akhawunti ivela kumvuzo werhafu emva kwerhafu, utyalo-mali kwi-akhawunti luyakhula i-tax-backerred. Xa nje umfundi esebenzisa imali kwiikholeji, irhafu ayiyi kuhlawulwa kule mivuzo. Ngenxa yeso sizathu, abazali abaninzi, oogogo nomkhulu, kunye nezinye izalamane zikhetha ukuthenga izibophelelo ngecebo le-529.
Ukuze uqokelele izibophelelo zokulondoloza kwisicwangciso se-529, iibhondi maziqale zithengiswe okanye zihlulwe. Ngethuba nje le mali ingeniswa kwisicwangciso se-529 kwisithuba seentsuku ezingama-60, imali ayiyi kuhlawulwa irhafu. Qiniseka ukuba uzalise ifomu 8815 xa ufaka irhafu yakho.