Ukubonisa iMfundo yeKholeji yaseKholeji
Enye yezinto zokuqala zesicwangciso sakho sokulondoloza ikholeji kukuchaza injongo yakho.
Akunabo bonke abafundi beekholeji ezifanayo, kwaye uya kufuna ukuqwalasela kwangaphambili indlela uza kuchaza ngayo impumelelo.
Iindleko zeKholeji
Umfundi wakho uya kuba neendleko ezinxulumene neminyaka yeekholeji. Ezi ziquka:
- Isifundo
- Igumbi kunye neBhodi
- Iincwadi kunye neempahla
- Impahla
- I khomputha
- Iindleko ezihlukeneyo
Ezi ndleko ziyahlukahluka ngokuxhomekeke kuhlobo lwekholejini okanye eyunivesithi umntwana wakho uya kuzo, ngoko ukwenza isigqibo malunga nokuya kwindawo yokufundisa kubalulekile. Ikholeji yasekuhlaleni yakho iya kuba neendleko eziphantsi ngaphaya kweziko le-Ivy League okanye kwiyunivesithi yabucala okanye yoluntu kude nekhaya.
Ngokusekelwe kwimiba evela kuhlolo lweBhodi yeKholeji yakutshanje, abafundi ababhalisa kulo nyaka banokulindela le mivuzo kunye nemirhumo elandelayo ngonyaka:
- Ikholeji yangasese: $ 32,405
- Ikholeji kaRhulumente / iYunivesithi: $ 9,410
- Ikholeji yoluntu: $ 3,435
Ewe, ezi ndleko azibandakanyi indawo, ibhodi kunye nezinye iindleko ezifanayo.
Imali Yenkxaso Yekholeji
Kukho iindlela ezininzi abafundi beekholeji abazixhasa ngemfundo yabo.
Ezi ziquka:
- U sindiso lwabazali
- Savings Student
- Izibonelelo kunye neeScholarships
- Imali Yomfundi
- Employment Student
Kwiimeko ezininzi, ezininzi zezi zinto ziza kudlala. Kodwa ekuqaleni, abazali kufuneka babe necebo lokuhlawula iikholeji. Kucacile ukuba, xa kunokwenzeka, iimali-mboleko zabafundi kufuneka zigwenywe. Ezi mboleko zibophezela abantwana bakho ngeentlawulo zemboleko zekholeji kude kubekho imisebenzi yabo.
Kwaye ezinye iinkonzo zihlawula imali ebolekayo yabafundi ngaphezu kweminye imisebenzi.
Iingcali zincoma ukuba abazali baqale bajonge ukuba yeyiphi iipesenti zeendleko ezinokuthi zithwale nganye kwezi zixhobo. Ngokomzekelo, unokuba ufuna ukugcinwa kwabafundi bakho kwiminyaka yabo yangaphambi kwekholeji ukuhlawula i-5% yeendleko. Mhlawumbi uya kufuna ukuba umfundi wakho aqeshwe ngexeshana ngexesha leikholeji yakhe, ehlawula mhlawumbi enye i-5% yeendleko. Imibono nganye yentsapho kule mimandla iya kuba yedwa, ngoko yicinge ngenyameko.
Ukubala Iindleko zeKholeji kunye Neemfuno Zokugcina
Emva kokuba uqikelele imali yonyaka kwiidola zemali oza kuyidinga imfundo yomfundi wakho, tyelela iBhodi yeKholeji yeKholeji ye-College Savings ukubona ukuba uza kululeka kangakanani ukugcina inyanga nganye ukuba ilungile xa umntwana wakho ehlasela umyeni wakhe omtsha. kholeji.
Isicwangciso seSicwangciso
- Iiprogram zoNgcoliso . Umthetho wase-Federal uye wadala oko kwaziwa ngokuba yi-529. Ezi zicwangciso zixhaswa ngamazwe kwaye zikuvumela ukuba uzigcinele (kunye nakwezinye iimeko zokubhalwa kwangaphambili) kwiikholeji kwiikholeji okanye kwiikholeji zikawonke-wonke ezixhaswe nguRhulumente. Izibonelelo eziphambili zezicwangciso ze- 529 zi:
- Ingeniso ikhula irhafu echazwe. Awuyi kuhlawula irhafu yombuso okanye irhafu kwintlawulo obeka bucala ngenyanga nganye kwezi zicwangciso.
- Izabelo azihlawulwanga. Xa ufumana imali kulezi zicwangciso, imali oyikhangelayo ayikho phantsi kwerhafu yengeniso yombuso.
- Umnini we-akhawunti uhlala elawulwayo. Umfundi wakho akakwazi ukufumana imali enye injongo; umzali (okanye ugogo nomkhulu okanye omnye umntu onayo i-akhawunti) wenza izigqibo malunga nendlela kwaye zisetyenziswe ngayo.
- Cwangcisa i-asethi zilawulwa ngokusemthethweni. Esikhundleni sokubeka imali yakho yekholeji kwisiqinisekiso sodiphozithi okanye kwimarike yemasheya, icebo le-529 lilawulwa ngabaphathi betyalo-mali.
- Ukulondolozwa kuhambelana nobuhlungu. Emva kokuba ubhalise kwaye ugunyaze ukuxothwa ngokuzenzekelayo, iiphozithi ziphuma ngokuzenzekelayo ngendlela ocacileyo ngayo. Unokukhaba, uphumule uze ubukele i-fund.
Isicwangciso ngasinye se-529 sombuso siyahluke. Fumana ulwazi malunga nesicwangciso sakho se-529 sombuso kwiSayithi yokuLondoloza kwiKholeji.
I-Akhawunti ye-Savings Education Coverdell
Ezi ngxelo zifumaneka ngeendlela ezahlukeneyo zemali. Iinkalo eziphambili ze-ESA zi:
- Ukufikelela kuma-$ 2000 ngonyaka unokubekwa eceleni; Iminikelo ayikho inkokhelo ehlawulwa irhafu, kodwa inzala itholakele
- Iminikelo ingenziwa ukwenzela ukuba umzuzi-mali afikelele kwi-18
- IiNgxowa zingasetyenziselwa iikholejini, kodwa zingasetyenziselwa nezindleko ezifanelekileyo kwizikolo zaseprayimari neziziisekondari
- Iiprogram ze-ESA zilungile kodwa zanele ngokwabo zonke izicwangciso zokugcina iikholeji.
Roth IRA
I-Roth IRA ibaluleke kakhulu kwi-akhawunti yokulondoloza umhlala-phantsi, kodwa imali ingasetyenziselwa iindleko zemfundo kumnini we-IRA, iqabane okanye abantwana. Iminikelo kwi-Roth IRA, njenge-ESA, ayinanto ehlawulwa irhafu, kodwa yonke inzala efunyenweyo ayikho irhafu. Unokufaka isandla kwi $ 4,000 ngonyaka kwiRoth IRA. Kwakhona, uya kufuna ukusebenzisa iRoth ngokubambisana nezinye izicwangciso.
Ukugcinwa rhoqo
Abazali abaninzi bayeka i-akhawunti yokugcina imali kwi-bhanki yabo okanye kwimanyano yekhredithi kwi-kholeji. Le ndlela yinkqubo enokuguquguquka njengoko kungekho mida malunga nendlela ezisetyenziswa ngayo imali. Kodwa kunye nokuguquguquka kwezinto kubakho ukungabi naluphi na inzuzo yerhafu.
Savings Pasin
Kukho inani leenkqubo ezibonelelwa ngoku ngokuvumela ukuba ufumane iitalenti zokuthenga kwakho kwikhadi lakho lesikweletu okanye ngezinye iindlela eziqokelela ukugcina imali kwiikholeji. Eyona ndlela ixhaphakileyo kwezi nkqubo zibandakanya:
- BabyMint . Xa ujoyina i-BabyMint, ufumana iziphuzo ezivela kwi-BabyMint abathengisi abathintekayo kunye nezaphulelo ekusebenziseni i-MBNA BabyMint kwikhadi lesikweletu.
- Phakamisa njenge BabyMint, xa ubhalisela iPromromise kwaye usebenzise ikhadi lakho lekhredithi kumthengisi abakhethiweyo, izizaziso zingasetyenziswa kwisicwangciso sokulondoloza ikholeji ye-529.
Isishwankathelo
Inxalenye ebaluleke kakhulu yokugcina iikholeji ibeka injongo yakho kunye nokucwangcisa ukuyifezekisa. Ngokubheka ngokukwenkqisayo kwiimfuno zakho zeendleko zekholeji kunye nokuchonga umlinganiselo phakathi kwezimali kunye nezibonelelo zokulondoloza, unokuzilungiselela ixesha apho umntwana wakho engena kwiikholeji aze aqale amalungiselelo emfundo nemisebenzi evuzayo.