Ukuhlanganiswa, ukuPhathiswa nokunyamezela
Ukuba unenkcitho enzima yokubuyiselwa kwemali-mboleko yomfundi, unakho ukukhetha okukhethwa kukho. Ngaphambi kokuqwalasela oku kufuneka uqiniseke ukuba unenkcitho enzima ukuhlawula. Ukuba uneselfowuni, intambo, yidla rhoqo ngeveki okanye yonke imihla, ngoko kufuneka uguqule indlela ophila kuyo de uze uhlawule umboleko wakho. Ukuba ulahlekelwe ngumsebenzi wakho, ube nomsebenzi ophantsi wokuhlawula okanye unenkcitho enzima yokufumana umsebenzi onokuqwalasela enye yezi zikhetho ukulawula iintlawulo zakho zemboleko. Ungaphinda uzame ukuzama amanqanaba asixhenxe ukuhlawula ngokukhawuleza iimali-mboleko zakho zabafundi , kuba ukubambelela kwiingxowa-mboleko zakho zabafundi kungabangela ubuhlungu kwimali yakho .
01 Ukuhlanganiswa Kwemali Yomfundi
Ukuhlanganiswa kwemali-mboleko yomfundi inokufumaneka kwakhona kwiimali-mboleko zabafundi abazimeleyo. Qinisekisa ukuba awunakudibanisa imali yakho yemali-mboleko yomfundi kwimali-mboleko yomfundi wangasese kuba uya kulahlekelwa ezininzi zeenzuzo eziza kunye nemali mboleko yemfundo njengemali ehlawulwa kwiingeniso kunye nokunyanzeliswa kwengxaki. Ukuba udibanisa iimali-mboleko zomfundi ozimeleyo, qi ni sekise ukuphanda umboleki kwaye uzame ukungena kwizinga elincinci lomdla.
02 Ukungabikho komsebenzi
Uvumelekile ukuba ube neminyaka emithathu yokungaqeshwanga kakubi kwiimali-mboleko zomfundi. Unokusebenzisa ngokunjalo le ngxaki xa ungenayo umsebenzi. Ekubeni uvumelekile iminyaka emithathu, kufuneka uqwalasele ngokukhethileyo ukhetho lwakho ngaphambi kokumangalelwa. Ngexesha lokumiswa, urhulumente wephondo uza kuhlawula umrhumo kwi-Stafford Imali-mboleko Uya kuxanduva lokuhlawulwa kwemali kwi-Stafford mboleko.
Ukuchithwa akusisisombululo esisigxina kwaye asiyi kunciphisa isixa ophelile ukuhlawula. Nangona kunjalo, kuyinto enhle ukuba uhlala kwiimeko zemali apho imali iqinile kwaye uyazi ukuba izinto ziya kuphucula kungekudala, njengokufumana umsebenzi emva kokuba ulahliwe. Ukuze ukwazi ukulungelelaniswa, kufuneka ube ngumyinge wakho wemali ngoku. Qhagamshelana nomboleki wakho ngokukhawuleza ukuba ucinga ukuba unokufuna ukubolekisa mboleko. Musa ukulinda uze ulahlekelwe intlawulo.
03 Ulwaphulo-mngeni wezoqoqosho
Ukuba unomsebenzi ophantsi ohlawulayo unokufanelekela ukulungiswa kobunzima bezoqoqosho. Oku kudla ngokubaluleka kwexesha elithile. Umboleki wakho uza kukuxelela ukuba ungakanani ixesha elide. Ukuba ufanelekile, thatha ithuba lokuba ugxininise ngakumbi ekutshintsheni imeko yakho yezemali. Unokuthatha imali oyihlawula ngayo umboleko wesikolo sakho kwaye uyifake kwi- credit card . Ukuba izinto zinzima kakhulu ungaziqhelanga. Qaphela ukuba ungangenisi enye ityala kumfanekiso, nangona kunjalo.
Ukuba ufanelekele ukunyanzelwa kobunzima bezoqoqosho, kuya kufuneka ufune ukuphinda uyifake kwakhona ngonyaka. Qiniseka ukuba uqaphele xa eso sicelo sifanelekile kwaye ukhangele ukuba eso sikhokhelo siyaqhubeka. Unembopheleleko yeentlawulo ukuba awufanelekanga nokuba awufumani isaziso sokuba awufanelekanga.
04 Ukunyamezela
Ukunyamezela kuyindlela yakho yokugqibela xa kuziwa ekuhlawuleleni imali yakho yomboleko. Ukuba unengxaki yokwenza iintlawulo zakho, ngoko kufuneka uqhagamshelane nomboleki wakho. Ngokuqhelekileyo zikulungele ukuvumela ukuba ukhokhe intlawulo engaphantsi, kunokuba ubeke umboleko . Oku kufuneka kube yindlela yakho yokugqibela. Kubalulekile ukuba uvule kunye nomboleki wakho, kuba bafuna ukuba ubuyisele imali. Ngokuthetha nabo xa unenkinga, ngokuqhelekileyo unganqanda ukufakwa phantsi kwemboleko.
Ukuba unomboleko wesikolo sabangasese, akunakwenzeka ukuba ukunyamezela kukukhetha. Kubalulekile ukuhlawula iimali-mboleko zakho zabafundi abazimeleyo ngokukhawuleza kunokwenzeka ngenxa yokuba banomyinge ophezulu kwaye abanako ukuguquguquka xa bejongana nawe ukuba unzima ukwenza iintlawulo.
05 Iintlawulo ezisekelwe kwiNkqubo
Ukuba unomvuzo ophantsi okanye usapho olukhulu, unokufumana ilungelo lokufumana iintlawulo ezisekelwe kwingeniso. Uya kufuneka utyitywe kwiNgxowa-mboleko ye-Federal Direct, ukuze ufaneleke. Imboleko yomfundi iya kusekelwe kwipesenti yengeniso yakho. Ukuba ufanelekile kule minyaka engama-30, kwaye uhlawule ngexesha lonke ixesha, unako ukulingana kwemali mboleko exolelwe emva kweminyaka engama-30. Oku kuyindlela enhle yokuqwalasela ukuba unzima ukufumana iziphumo. Uya kufuneka uhambise ubungqina bemivuzo ngamnye ngonyaka ukuze uhlale ubhalisile kwinkqubo. Unako ukufumana ilungelo lokuhlawula njengoko ufumana iNkqubo, esebenza ngendlela efanayo.