Thelekisa noKucatshulwa ngeeNgxowa kaRhulumente
Imboleko yezikolo ezizimeleyo ziboleka imali engenakwenzelwa njengenxalenye yenkqubo nayiphi na urhulumente. Ziyimali-mboleko eyenziwa ngamabhanki kunye nabanye ababolekisi ngenjongo yokuxhasa ngemali imfundo. Ngokuqhelekileyo kufuneka ubhalise ukusebenzisa iimali-mboleko zabafundi, kodwa ezinye iinkqubo zemboleko ezizimeleyo zivumela ukuba ubole ngisho emva kokugqiba. Ngaphambi kokusebenzisa imali-mboleko yangasese, funda indlela asebenza ngayo kunye nokuba yiyiphi inzuzo kunye neengxaki.
Ngokuqhelekileyo, kukulungele ukuqala ngemali mboleko yomfundi ngaphambi kokuba uqhubekele kwimali-mboleko yomfundi wabucala.
Iiprogram zemboleko zikaRhulumente zinamathuba athile ongazifumananga kwimakethe yemboleko yemali yabucala. Kukho i-tradeoffs yee-course, kodwa abafundi abaninzi banokuphucula ukuhlawulwa kwemali-mboleko ye-federal phambi kwabo ngaphambi kokuqwalasela iimali-mboleko zangasese.
Kakade ke, kukulungele ukuboleka kangangoko kunokwenzeka. Imali-mboleko yabafundi ilula ukuza - ngokukodwa imali ebolekwa nguRhulumente. Ngelishwa, kuya kufuneka uhlawule yonke loo mali emva komhla, kwaye kunokuba nzima ngakumbi kunokuba ucinga ukuza nemali. Zama ukunciphisa ukuboleka kwakho okanye ugweme ngokupheleleyo.
Iimbali eziPhambili zeMali yeMali yabangasese
Kutheni ungakhetha okanye ugweme uhlobo oluthile lwemboleko? Imiba emibini engayenzayo yile:
- Ukufaneleka kwemboleko
- Iimali ezifumanekayo kubboleki
Imali-mboleko ye-Federal student kulula ukuyifumana-awuyidingi nayiphi na imbali yemboleko okanye naluphi na ubungqina bemali ethile yemali mboleko. Urhulumente uzimisele ukuboleka imali xa usesikolweni.
Ngakolunye uhlangothi, iimali-mboleko zabafundi ezizimeleyo, zifuna i-credit credit. Ukuba awunayo imbali yengxelo yemboleko (okanye ukuba unesityala esibi) akunakwenzeka ukuba uya kufumana umboleko wesikolo sabangasese. Nangona kunjalo, kusenokwenzeka ukuba ubolekiswe ngoncedo lomnxibelelwano.
Nangona iimboleko zeburhulumenteni zilula ukuba zifaneleke, zingenako ukwanela ukuhlawula iindleko zakho.
Awunakuboleka kangako njengoko ufuna - kukho umda weli dola. Kubafundi ababolekayo bahlawula iindleko zokuphila ngokungezelelwe kwizifundo, iirhafu kunye neencwadi, kulula ukuyifaka umda. Abafundi kwiikholeji zangasese kunye nabafundi bangaphandle bahlala badinga ngaphezu kweenkqubo zorhulumente baya kunika. Ngakolunye uhlangothi, imali mboleko yemfundo yabangasese, ikuvumela ukuba ubolekise ngakumbi - ukuba ngcono okanye ngakumbi.
Ezinye izinto ezibalulekileyo
Kukho ezinye iintlukwano phakathi kwemboleko yemali yabucala kunye neenkqubo zikaRhulumente. Iiprogram zikaRhulumente zithatha inzala engaphantsi, kwaye ukuhlawulwa kwemali kunokunyanzeliswa. Imali-mboleko yemali yabangasese inokuthi ifike ngezinga lentengo eguqukileyo, ngoko ke kunokuba nzima ukwenza iindleko zakho. Ukufumana iinkcukacha ezingakumbi, bona:
Ukuhlaziywa kwakhona kunye nokuhlanganiswa kunokuhluka , kuxhomekeke kwiintlobo zemali-mboleko onayo. Imali-mboleko yabucala ngaphezulu okanye ngaphantsi iyancitshiswa, ngelixa imali-mboleko karhulumente ingaqiniswa ngokuqinisekileyo.
Chaza "Umfundi"
Kwezinye iimeko, iimali-mboleko zabafundi ezizimeleyo zingaba yinketho yakho kuphela yokufaka iindleko zemfundo. Ukuze ukwazi ukufumana iimali-mboleko zikaRhulumente, unokufuneka ubhalise ubuncinci bexesha kwiinkalo ezithile zeenkqubo (iiprogram ezikhokelela kwizigriki okanye izatifikethi, umzekelo).
Ngokuxhomekeke kwinto ofundayo kunye nalapho uyenzayo khona, iimali-mboleko zedolophu zingenakufumaneka.
Unokufuna kwakhona imali emva kokugqiba. Nangona ungeke ucinge ngale ngxowa-mboleko "yomfundi," uhlobo oluthile lwenkokhelo luya kulungelelwano xa ufika kwiinyawo zakho. Umzekelo, unokwenza uzalise iiprogram zokunika ilayisenisi (ngokugqithisa uvavanyo lwezonyusa okanye ukugqiba iiyure zokufunda) ngaphambi kokuba uqale ukusebenzela ukuhlawula. Ezinye iimali-mboleko zemali ezizimeleyo zikunceda ukuhlawula iindleko zakho ngelixa ugqibe le mi sebenzi
Ngaphantsi kwePhepha
Unokufumanisa ukuba amaphepha angaphantsi kwemithwalo yemboleko yemfundo yabucala. Kwiimali-mboleko zemali, kufuneka ugcwalise i-FAFSA (isicelo kunye nesethi yemibuzo efunekayo kwiiprogram ezithile zoncedo lwabafundi kuquka iimali-mboleko kunye nezibonelelo), ezifuna ukuqokelela ulwazi malunga neentsapho kunye nemali yakho.
Ezinye iintsapho zikhetha ukungabelani ngolwazi, kwaye abafundi banokukhetha ukungena kwinkqubo ngezizathu zobuqu.
Ababolekisi ngabangasese banokunikela ngemboleko ngaphandle kwe-FAFSA. Uya kufuneka uyenze iphepha, kodwa iifom zazo zinokuthandeka ngakumbi kuwe. Khumbula ukuba ababolekisi ngabangasese baya kuba nemigangatho ephezulu, ngoko unokuboleka kuphela ukuba unetyala kunye nenkokhelo eyaneleyo ukuba ubonise ukuba uza kubuyiselwa imali mboleko (okanye umqondiso-mvume owamkelekileyo). Khumbula kwakhona ukuba iinkqubo zemali-mboleko zikaRhulumente ziza ngeenzuzo ezithile ongeke ukwazi ukuzifumana nabathengi ngabangasese - kungenakukufanelekela ukwenza i-FAFSA.