Uqwalaselo lweMithetho kunye neNzuzo yamaRhafu akwa-Federal Stafford
I-Federal Stafford Loan yinqanaba lokwakha lezona zixhobo zezemali zabafundi abaninzi. Abafundi basebenzisa i-Stafford Loans bangabaleka imali eninzi ngaphandle kwemfuno zabo zezemali, kuzo zonke iiprogram kunye neeprogram ezikolweni.
Inqanaba lomdla kunye nemigangatho ye-Stafford Loans iyahlukahluka ngokuxhomekeke ekubeni ngaba iboleko zixhaswa okanye azixhaswanga. Nangona kunjalo, nokuba kukho imeko, bamele enye yezona zigqibo ezifanelekileyo zokuboleka ukuhlawula iindleko zekholeji.
I-Federal Stafford Loan Imingcele yokuboleka
Imigangatho ye-Stafford Loan ixhomekeke kwizinto ezimbini: ingaba umfundi uthathwa njengomxhomekeke kubazali bakhe nonyaka wakhe esikolweni.
I-Stafford Loan Amanani amaninzi:
- U-Freshman-$ 5,500 oxhomekeke kwi-$ 9,500
- I-Sophomore - i-$ 6,500 ixhomekeke kwi-$ 10,500
- I-Junior okanye i-Later-$ 7,500 ixhomekeke kwi-$ 12,500
- Abaphumeleleyo kwizifundo okanye i-Degree Professional - i-$ 20,500 ngonyaka malunga naluphi uhlobo lomfundi
Abafundi abaxhomekeke kwiingxowa-mali abangazange bakwazi ukufumana imali mboleko ye-PLUS ngemali eyongezelelweyo bangabaleka imali ukuya kwisixa-mboleko semali esizimele.
Ukongezelela, kukho umda wokuphila kwi-Stafford Loans, okwangoku iifakwe kwi-$ 31,000 yabafundi abaxhomekeke kuyo, i-$ 57,500 yabafundi abazimeleyo kunye ne-138,500 yezifundo zabafundi abaphumelele.
Ukuxhaswa ngokuxhomekeke kumgaqo-mboleko we-Stafford Loans
I-Stafford Loan eyinkxaso-mali yinto yokuba uRhulumente waseburhulumenteni ahlawule umdla ngelixa umfundi esesesikolweni.
Ngamanye amazwi, ixabiso lemboleko ayikho into eyongeziweyo kwimali yayo yasekuqaleni de emva kokuba uphumelele. Iimali-mboleko ezixhaswayo zifumanekayo ngenxa yesidingo semali.
Abafundi abangafanelanga ukubolekwa ngemali mboleko banokufumana i-mboleko engagqitywanga, kodwa baya kufaka umdla xa besesesikolweni.
Nangona kunjalo, akudingeki ukuba baqale ukuhlawula imali mboleko kuze kube emva kokuba baphumelele.
Izixa zemali-mboleko ezixhaswa ngumfundi ezifumanayo zikhawulelwe kuma-maximum "axhomekeke" apha ngentla. Ngokomzekelo, inani lemali-mboleko elincinci elinikezelwa ngumfundi omtsha liya kuba yi-$ 3,500. Naliphina i-Stafford Loans eyongezelelweyo eyayifumene, ukuya kutsho kumntu omtsha oneminyaka engama-9 500, ayiyi kuhlaziywa.
Abafundi abaphumelele kwizikolo abafanelekanga ukufumana iimali-mali ezixhaswayo.
Inzala kunye neMali kwi-Federal Stafford Imali
Inqanaba lamanje lenzalo kwi-Stafford Loans ekhishwe ngomhla okanye emva koJulayi 1, 2017 kwaye ngaphambi koJulayi 1, 2018 ngu-4.45%.
Ukongeza kwenzalo ehlawulwe kwi-Stafford Loan, kukho nemali yemboleko. Imali-mboleko enomhla wokuqala wokusabalalisa okanye emva komhla ka-Oktobha 1, 2016, nangaphambi komhla ka-Oktobha 1, 2017, umrhumo wemali mboleko ngu-1.069% wexabiso lemali-mboleko. Ukuba ngomhla okanye ngo-Oktobha 1, 2017, nangaphambi ko-Oktobha 1, 2018, umrhumo ngowama-1.066%. Le ntlawulo ichithwe ngokukodwa kwisesheke nganye yokuhlawula.
Ukuhlawula i-Federal Stafford Imali
Ukuhlawula yonke imali yakwa-Stafford iqala emva kweenyanga ezintandathu emva kokuba umfundi enze enye yezi zinto zilandelayo:
Abagqwesileyo
- Ukunyuka kwamanzi
- Amaconsi angaphantsi kwesimo sexesha lesigxina
Ngethuba leenyanga-ezintandathu zeenyanga "ubabalo," inzala ayinakongezwa kwimboleko yemali exhaswayo, kodwa ingeniswa kwii-balance balance.
I-Stafford Imali ikuvumela ukuba ukhethe isicwangciso sokubuyisela esingaquka:
- Nentlawulo engaphezu kweminyaka eyi-10
- Ukongezwa kweentlawulo ezingaphezu kweminyaka eyi-10
- Ngaphandle okanye ukwandisa iintlawulo ezingaphezu kweminyaka engama-25 (ukuboleka imali engaphezu kwama-30,000)
- Iintlawulo ezinobungozi
Ukufaka isicelo se-Federal Stafford Loan
Kungakhathaliseki ukuba ungayifaki isicelo se-Stafford Loan okanye ungancedisi, kufuneka ugcwalise ifom yeF FAFSA . Emva kokugqitywa, isicelo seFree kwi-Federal Student Aid (FAFSA) ifom isithunyelwe esikolweni sakho, ngubani na oya kukwazisa ngokufaneleka kwakho kwemboleko kunye neendlela zokubolekisa. Xa uyamkela mboleko, ufunwa ukuba usayine "inqaku eliyintloko yokuqinisekisa" ngaphambi kokuba nayiphi na imali ikhutshwe.