Yiyiphi "Inengqiqo" yesiKhwama semali yeMali?
Sally, uMfundi, ushiya iYunivesithi yase-State nge $ 60,000 kwiityala. Kwakhona akakwazi ukufumana umsebenzi, kunye neefayile zokungabikho phantsi kwe-bankruptcy - kuphela ukufumanisa ukuba iimali-mboleko zabafundi abakwazi ukukhutshwa kwi-bankruptcy.
Le mibali eyoyikisayo ukwesaba ngekamva lakho labantwana.
Ungenzani?
Inyathelo lokuqala: Phula
Amabali amangalisa owevayo kwiTV ayingxelo yezinto zangaphandle. Abafundi ababini beesibini kwi-graduate abafundi abaphumelele ekutheni bangaba netyala, kwaye abathathu abagqwesileyo baphumelele abangaphantsi kwama-$ 10,000 kumatyala-mboleko abafundi, ngokucwangciswa ngo-2011 nguMark Kantrowitz we-FinAid.org.
Abadala abaseleyo abaphumeleleyo ngamatyala banomthwalo wemali-mboleko eyi-$ 35,000. Kulizwi elide ukusuka kwiindali ezingama-50,000 + ezibuhlungu oziva kwiindaba.
Kwakhona, ungalibali: iimali-mboleko zabafundi zihlala ziba mboleko-mboleko ephantsi kunye nomdla- ntlawulo. Enye yezona zakhiwo ezingcono kakhulu zokuthenga imali onokuzithemba ukuzenza.
Inyathelo lesibini: Hlola
Ngaphambi kokuba uthumele uJunior ukuya ekolishi, thabathe umzuzu ukuqwalasela oko kuza kuba nakho xa ephumelela.
Umlinganiselo wesilinganiso sekholeji ufumana i-1 million yezigidi ngaphezu kwekholeji engekho kwiikholeji kwixesha lokuphila kwakhe, kodwa loo datha ibanzi kangangokuthi ayinasiphelo. Ikhupha iinjongo zobunjineli zombane kwiqela elifanayo njengentlalo yoluntu.
Kwakhona kuvumela abaqeqeshelwa iHarvard kwisigaba esifanayo nabo bonke abanye abaphumeleleyo.
Kubaluleke kakhulu ukuzibuza ukuba imali engakanani i-Junior iya kuzuza ngokusekelwe kwinqanaba layo elikhulu kunye nokukhetha kwakhe kwiikholeji. Kwimacandelo amabini alandelayo, siza kujonga kuzo zombini.
Yintoni Abafuna Ukuyenza Ngakumbi?
Umyinge weCandelo le-2015 ephumelele kwiikholeji eneganga lobunjineli bombane ufumana umvuzo womyinge we-$ 57,000, ngokutsho kwe-Forbes Magazine.
Ewe, kukho ukungafani phakathi kweentlobo ezahlukeneyo zobunjineli. Iimviwo zobunjineli bekhompyutha ziqala kwi-56, 600, ngelixa uqeqesho lwezakhono zobunjineli luqala kuma-56,000. Kodwa ngeli nqanaba, kunzima ukuqikelela ukuba yiyiphi injineli yobunjineli iyafuna ukufikelela kuyo. Kulula ukuqikelela ukuba uya kubhalisa kwi "College of Engineering".
Ukuba umntwana wakho ufuna into enkulu - ngokukodwa into engekho imathematika okanye i-tech-inxulumene nayo-yibone ukuba umvuzo wokuqalisa umntwana uza kuba njani. Abagqwesileyo beeKholeji basebenza ekuphathweni kweentengiso baqala imivuzo ye-$ 27,900, i-Forbes Magazine yabika.
Kuthiwani Ngokukhetha Kwekholeji?
Idumela lekholeji ethile okanye iyunivesithi inokuchaphazela kakhulu amathuba omfundi wokufumana umsebenzi ngaphakathi kwintsimi yabo kunye nomvuzo wabo wokuqala. Umfundi wase-Florida State University uyakufumana umvuzo wokuqala wama-38,500, ngokwewebhusayithi ye-FSU. Umfundi ophumelele kwiYunivesithi yase-Illinois e-Urbana-Champaign uya kuvuyela umvuzo wokuqala wama-$ 51,500.
Khumbulani ukuba idatha ye-Forbes ecatshulwe malunga nezobunjineli zezobunjineli iqala imivuzo ye-56,000 zamaRandi? Lona lilonke eliphakathi lonke. Umfundi ophumelela kwisikolo esiphambili njengesikolo seMIT
uya kufumana umvuzo wokuqala we $ 67,270 - i-$ 14,000 epheleleyo.
Ufanele Uboleke Kangakanani?
Cinga ngolawulo loqala "lomvuzo": uboleke ngaphezu komvuzo wakho wokuqala.
Ngokwalo mgaqo wesithupha, unokuthi ulungele imali-mboleko ukuya kuma-67,270 $ ukuba umntwana wakho uya kufunda ubunjineli kwi-MIT Ukuba i-Junior ifuna i-degree ye-liberal degree e-Florida State, unokucinga ukuba unomlinganiselo wokubolekisa imali mboleko kuma-38,500.
Kuphela umgaqo wesithupha, kungekhona umthetho onzima. Umgaqo okhokelayo kule ngcamango kukuba abaphumeleleyo bangahlawula imali mboleko yabo yabafundi malunga neminyaka elishumi xa befaka iipesenti ezili-10 zomvuzo wabo wokuqala wokuhlawula imali.
Ngokuhamba kwexesha, abaphumeleleyo baya kuba nokunyuka kwamahlaya okuya kubavumela ukuba baqhube umvuzo wabo wokuboleka imali. Kodwa iindleko ezintsha ezifana nemitshato kunye neentsana zinokufuna ubuninzi babo.