Ingeniso yam Ishintshi-mali esilungisiwe (MAGI) yithinte njani ukuxothwa?

Ingxowa-mboleko Yomboleki Yomfundi Ingaba Impembelelo Kangakanani Unako Ukukhipha Kwiirhafu Zakho

Ixesha ukususela ngoJanuwari ukuya ku-Epreli ngamanye amaxesha lingazaliswa kunye neengxaki zemali ezijikeleze iinkalo ezinxulumene nokuhlawula iikholeji. Abazali nabafundi besikolo esiphakamileyo abagqibe ii- FAFSA zakuqala baqhathanisa i-letters yabo yokunika inkxaso yezimali ukuze baxelele iindleko zonyani zokuya kwiikholeji ethile. Abafundi abaphumelele kwiKholeji baxhomekeke kwiinyaniso zokuzama ukuhlawula imali yabo yomboleko .

Kwaye wonke umntu, ngokuqinisekileyo, unzima ne-imfuno yokugqiba irhafu yengeniso ye-federal.

Naphezu kwayo yonke inkcenkcazo engalunganga ejikeleze umba, enye yezinto ezincinci zepropati yemboleko yezikolo unako ukutsala umdla ohlawulwe kwiirhafu zakho zentlawulo. Kwabaninzi abakhokhi berhafu kubonisa ukuphulwa kweerhafu enkulu, kodwa kubaboleki abathile, ngokukodwa abo bafumana imali ephezulu, inzuzo inokuthi ichitheke ngokusekelwe kwinto eyaziwa njenge-Gross Income Gross Income (MAGI).

Yiyiphi i-Income Income Income?

Xa ugqiba ukubuyiswa kwerhafu yakho yentlawulo yomthetho, imimiselo emibini oya kuhlangana nayo i-Gross Income (AGI) kunye ne-Income Gross Adjusted Income, okanye i-MAGI. I-AGI yakho ibalwa ngokufumana iholo lakho lomvuzo nokwenza utshintsho oluthile. Ukuncitshiswa kwamagama kunye nezinye iikhredithi ngokuqhelekileyo ayicatshangwanga.

I-MAGI, ngakolunye uhlangothi, isetyenziswe yiNkonzo yangaphakathi yeNgeniso yeNkonzo ukuqinisekisa ukuba ngaba unelungelo lokuncitshiswa okuthile, iirhafu okanye izicwangciso zomhlalaphantsi.

I-MAGI yakho ibalwa ngokuthatha i-AGI kwaye yongeze nayiphi na inzala ehlawulwa irhafu onokuyenza.

Ndingayinceda Kangakanani Umdla Wemivuzo Yomfundi?

Ukuba uhlawule inzala kwimali-mboleko yomfundi kunyaka wonyaka werhafu, unako ukufikelela kwi-$ 2,500 kwiintlawulo zenzalo phantsi kohlulwa kwemali mboleko yomfundi.

Unokufaka isicelo sokubanjiswa oku kuhluthwayo njengoluhlengahlengiso kwimali engenayo, ngoko awuyi kudingeka ukuba uhlawule imali yakho. Oku kukunceda ngenxa yokuba ihlehlisa imali engakanani umvuzo karhulumente, kuya kusindisa imali.

Inzala yemboleko yemfundi ichazwa njengomdla ohlawulwa ngawo kunyaka werhafu ngokubhekisele kwi mboleko yomfundi ofanelekileyo. Iquka zombini ezifunekayo kunye neentlawulo zenzalo ezihlawulwe ngokuzithandela. Ukuncitshiswa kuncitshiswa kancane kwaye kugqitywe ekugqibeleni xa imali yakho yokuguqula ingeniso (MAGI) ishintshiweyo ifinyelela kwisiqingatha sonyaka sendawo yokufakela.

Unokumangalela kuphela ukuxothwa xa zonke ezi zilandelayo zisebenza:

• Isimo sakho sokufakela asingatshatanga ngokutshatyalaliswa ngokwahlukileyo.
• I-MAGI yakho ingaphantsi kwexabiso elithile elimiselwe rhoqo ngonyaka.
• Wena okanye lakho iqabane, ukuba ukufakela ngokubambisana, akunakutsholwa njengabaxhomekeke ekubuyeni komnye umntu.

I-MAGI ne-Student Loan Interested deductions

Ngokuxhomekeke kwibakethi yakho yerhafu, ukutsalwa kwemali mboleko yomfundi kungakugcina amawaka eedola. Uvumelekile ukuba ungakulungele ukuhluthwa kwentlawulo epheleleyo, nangona kunjalo, kuxhomekeka kwi-MAGI yakho. Ukuba i-MAGI yakho ingaphantsi kwama-$ 65,000, uvumelekile ukutsalwa ngokupheleleyo kwe-$ 2,500. Ukuba i-MAGI yakho iwela phakathi kweedola ezingama-65,000 kunye ne-80,000 zamawaka, ufanelekela kuphela isahlulo sokuncitshiswa.

Ukuba i-MAGI yakho ingaphezu kwama-80,000 wamawaka, awukwazi ukufaka isicelo sokutsalwa kwemali mboleko yomfundi.

Ukuba i-MAGI yakho iphakamileyo kakhulu ukuba ikwazi ukuxothwa kwemali mboleko yomfundi kodwa usalindele ukugcina imali, kukho ezinye iindlela zokunciphisa umthwalo wetyala lakho. Ukuba unetyala elihle kwaye uceba ukuhlawula imali yakho mboleko kunye nesicwangciso sokuhlawula ngokuqhelekileyo kunokuba isicwangciso esongezelelweyo sokuhlawula, enye inketho ihlaziya umboleko wesikolo sakho somboleko. Ingeniso yakho, imbali yemboleko kunye nomsebenzi wonke unokufaka isandla ekukhethweni kwakho, kodwa kunokunciphisa ixabiso lakho lemali kwisigamu, ukugcina imali eninzi malunga nobude bakho mboleko. Ngokuxhomekeka kwimeko yakho kwaye xa ukhetha ukuhlaziya ityala lakho, unako ukugcina amawaka ngaphezu kwemali mboleko yakho. Le perk ingaba kakhulu kunokuba ungayifumana inzalo yemali mboleko.

Ikhefu lomrhumo weerhafu lomfundi lingaba luncedo, ngokukodwa kubafundi abasanda kuphumelela abaye basebenzela kuphela inxalenye yonyaka kwaye bathatha inkokhelo yemboleko yezikolo. Kodwa kubasebenzi abaninzi, ukuncitshiswa kwentlawulo akunakwenzeka.