Indlela yokufaka isicelo sokuncitshiswa kwentlawulo yengeniso kwiplani
Ukuba uceba ukubeka othandekayo kwiikholeji kwixesha elizayo kwaye uhlala eNyakatho Carolina, kubalulekile ukuba wazi malunga neenzuzo ezininzi zerhafu ezifumanekayo kubahlali abafaka isandla kwi-529 ye-program yokulondoloza ikholeji. Ukukwazi ukufumana iikholeji zekholeji kunokwenza abazali abanokukhathazeka kakhulu, kodwa ukwazi i-perks yokugcina imfundo ephakamileyo kakuhle ngaphambi kwexesha kunokukwenza ingqondo yakho ibe lula.
Ukuba imali eyaneleyo igcinwe kule sithuthi, akukho xinzelelo oluncinci kwixesha lokumkelwa malunga nokufaka isicelo sokuncedisa ngemali okanye ukukhangela ukubhalwa kwemali. Utyalo-mali olwenziweyo kule akhawunti lukhula ngaphandle kweerhafu zentlawulo kunye nekarhulumente. Ukongeza, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxhaswa kwiirhafu zentlawulo kunye nekarhulumente. Nangona amazwe amaninzi anikezela ukuncitshiswa kweerhafu ngeminikelo, iNorth Carolina ayinayo inkuthazo.
Ngezicwangciso ezixhamliweyo zerhafu, amalungu osapho kunye nabahlobo banokwenza iminikelo rhoqo kwi-kholeji yengane. Kule minyaka, kunye negalelo eliqhelekileyo kunye nenzuzo yenzalo, isicwangciso sinokukhula ngokubanzi ukuze kunikezelwe iindleko zemfundo ezigqityiweyo.
Ulwazi olupheleleyo kunye nolwangoku malunga neNorth Carolina yeNational College Savings Programme lufumaneka kwi-http: //nc529.org/. Ngokulula kwi-intanethi okanye ukubhaliswa kwephepha ngokunikezelwa ngqo ngurhulumente, unokuqala ukugcina kunye ne-$ 25, kungekho mali yokubhalisa okanye iintlawulo zokuthengisa ezongeziweyo ukuvula i-akhawunti.
Imirhumo ye-asethi-based year kunye neendleko zeengxowa-mali ziphantsi, ngokufana nemali yokulawula yenyanga. Iminikelo yangomso ingenziwa rhoqo okanye ngezikhathi ezithile, kunye ne-minimum $ 25 kuphela. Olunye usapho kunye nabahlobo banokufaka isandla, kodwa i-fund yakho ingamkela kuphela iminikelo kude kube zonke izilinganiso ze-akhawunti kwisiCwangciso se-NC 529 somxhamli ofanayo zifikelela kuma-450,000.
Imirhumo ngokuqhelekileyo ithathwa njengezipho kumntu oxhamlayo kwiakhawunti yentlawulo yerhafu.
Isicwangciso seNC 529 sinamathuba amaninzi afanelekileyo afanele ukuhambelana naluphi na isicwangciso-mali sokufaka imali kunye neengxowa ze-Vanguard ezinokukhethwa kwexesha elizeleyo kunye neendlela ezizenzekelayo, kunye nokukhethwa kwe-deposit-insured ye-federally ngokusebenzisa i-State Employees Credit Union. Ingaba ufuna i-fund ye-bond bond, ingxowa enkulu yokukhupha umvuzo okanye i-fund-based based fund eyenza ukuba ulungele umntwana wakho xa esondela kwikholejini, uya kufumana inzuzo eyongezelelweyo yokulondoloza irhafu. Ngoko, nokuba uyasindisa umntwana okanye umntwana osemtsha, iSicwangciso seNC 529 sikunika izixhobo ozifunayo ukuqala ukwakha isiseko esiqinileyo sempumelelo.
I-Q & A NgeCandelo le-NC 529 le-Savings Plan
Umbuzo: Iyintoni na imali kwi-akhawunti ye-NC 529 yokuCwangcisa isetyenziselwe ukuhlawula?
Impendulo: Iindleko zemfundo ephakamileyo ezifanelekileyo zifana nezifundo, igumbi kunye nebhodi, ikhompyutha kunye nezixhobo ezihambelanayo, iincwadi, iimrhumo kunye nezinye izixhobo ezifunekayo xa zisetyenzisiweyo.
Umbuzo: Kuthekani ukuba umntwana wam uya esikolweni?
Impendulo: Ukugcina imali kwi-akhawunti yakho ye-NC 529 Cwangciso ingasetyenziselwa malunga naliphi na iikholeji elizweni; Nangona kunjalo, isikolo sifanele sibe "isikhungo semfundo ephakamileyo," kwaye oko kuqinisekiswe ukuba ngaba isikolo singakwazi ukuthatha inxaxheba kwiinkqubo zoncedo lwezemali zeSebe leMfundo le-US.
Ukufumana ukuba izikolo ezifundwa ngumfundi zakho zifanelekile, tyelela i-https: //fafsa.ed.gov/FAFSA/app/schoolSearch. Eliziko kufuneka kwakhona linike iiprogram zokufunda eziza kunika umhlobo, isikolo se-bachelor's, i-graduate okanye i-degree degree okanye enye i-credentiary post. Amanye amaziko oqeqesho okanye angaphandle angamaziko afanelekileyo.
Umbuzo: Yintoni eyenzekayo kwi-akhawunti ukuba umfundi wam ufumana i-scholarship, uye esikolweni sempi okanye engena ekholejini?
Impendulo: Imali kwi-akhawunti ihlala yakho. Ungadlulisela imali kwenye i-akhawunti okanye igama lomxhamli olutsha xa nje umzuzi omtsha ilungu losapho. Khumbula ukuba nangona i-scholarship eninzi ayinakufihla zonke iindleko zemfundo ezifanelekileyo ezifana nezixhobo okanye igumbi kunye nebhodi, ukwenzela ukuba ukonga kwakho kusenokufuneka.
Ukuba awuyikusebenzisa imali eseleyo kwimfundo, unokuyihoxisa, kodwa kufuneka uhlawule irhafu yephondo kunye nentlawulo kwiholo lakho kunye nentlawulo yesongezelelo yentlawulo yerhafu ye-fesenti ye-10 ekhulwini.