Ixesha lokuQala ukuHlola kwiiNkqubo eziPhambili zeMboleko zabafundi
Njengabadala abakhulileyo besikolo nabazali babo baqala ukuhlaziya iileta zabo zokwamkelwa kunye neendleko zonikezelo zoncedo lwezezimali , abanye baqonda ukuba baya kufuna imithombo eyongezelelweyo yemali ukuze bakwazi ukufumana ikholeji ethile. Yile nto apho iimali-mboleko zabafundi ziluncedo kakhulu. Kungabonakala kukuhle ukucinga ngale nto njengesikolo-mboleko somfundi "ngexesha" kuba elo gama lidla ngokudibanisa nemozulu okanye ukuzingela.
Kodwa unokwenene ukuzingela malunga ncinane ukuze uqinisekise ukuba unempahla efanelekileyo kakhulu yokubolekwa kwemali mboleko.
Okokuqala, qwa lasela iphakheji yenkxaso yezemali isikolo esinikezayo njengoko isenokubandakanya imali mboleko yabafundi. Ungamangalisi ukubona imimiselo efana ne "Direct," "Incedise," okanye "PLUS" ifakwe kweso sipho. Kubalulekile ukuba uqonde ukuba yintoni na enye yale migaqo ithetha ukuba uza kuqonda ngokupheleleyo izibophelelo zemali ozenzayo. Nazi izinto ezibaluleke kakhulu ezifunekayo ukuba uziqonde ngokumalunga nemali-mboleko yomfundi:
- Ngubani oboleka imali? Kufuneka uqonde umntu oboleka imali. Ukuba isikolo sibhala "iNgxowa-mboleko ngqo" ngoko umfundi ungumboleki. Emva kokugqitywa kwesi sifundo siya kuvela kwingxelo yekhredithi yomfundi, kwaye umfundi uya kuba noxanduva lokubuyisela imali. Ukuba kukho i-mboleko "PLUS" ebhaliweyo, ke abazali baboleka imali. Oku kuza kuboniswa kwingxelo yengxelo yomzali kwaye kunokuchaphazela ukukwazi ukuboleka imali kwezinye iinjongo. Ukuba kukho imfuno engaphezulu yemali, umfundi unokufaneleka kwi-Perkins Loan, kunye nesikolo ngokwawo njengomboleki. Abafundi nabazali mabaxubushe ngubani oza kuba noxanduva lokuhlawula ngaphambi kokuthatha nayiphi na uhlobo lomboleko wesikolo.
- Ingaba inzala iya kulandelwa ? "I-Loan Direct" isinyathelo esilandelayo kukuqinisekisa ukuba ingaxhaswa okanye ayixhaswanga. Ukuba ixhaswa, iSebe leMfundo le-US lihlawula umdla ngelixa umfundi efunda esikolweni. Ukuba umboleko awuzukuhlaziywa, umfundi unembopheleleko yokuhlawula umdla ngawo onke amaxesha. Unokukhetha ukuba ungenzi iintlawulo ngelixa uhlala esikolweni, kodwa inani lemali liya kufaka kwaye liya kudibaniswa kwisixa-mali esiyinhloko sokubuyiselwa ekugqibeleni.
Ukuba iphakheji yakho yenkxaso-mali iquka ukubolekwa kwemali yomfundi, kufuneka ugqibe ukuba ngaba uya kwamkela le mali. Ukuba wenza, jonga ulwazi kwileta malunga nendlela oya kuhamba ngayo. Ukuba okokuqala ngethuba ufumana iMali-mboleko eNgqalileyo, uya kufuneka ukuba uzalise ukululekwa kokungena kwaye usayine i-Master Promissory Note (MPN), uvumelana nemimiselo yomboleko.
Khangela i-Private Student Loan Options
Emva kokuba imali ebolekwe ngemali yomfundi isetyenzisiwe kwiindleko zekholeji, kulindeleke ukuba kukho imali efunekayo. Yilapho uzakufuna ukuzingela iimboleko zemali ezizimeleyo, ezifana nokufumanisa iNgxowa-mboleko yabafundi. Nanku kubaluleke kakhulu ukuqokelela ulwazi kwimithombo emininzi ukuze uthelekise amathuba okuba nomnye.
Xa kuthelekiswa neengxowa-mali zemali yabucala, kuya kufuneka uqikelele ukuba ingaba umyinge wenzalo ungagqityi okanye uguquke, nokuba ngaba umrhumo kufuneka uhlawulwe ngexesha leminyaka yesikolo okanye ukuba unokuchazwa. Umboleko wesikolo sabangasese ungaphinda ufune umnxibelelwano-mnxibelelwano njengokuba kukho inkqubo efanelekileyo yokufaneleka. Phanda uphendlo lwakho ngokucopheleleyo kwaye uza kufikelela ekujoliswe kuyo xa ufuna ukuboleka imali.