1. Hlaziya ulwazi lwakho loQhagamshelwano
Kubalulekile ukuhlaziya ulwazi lwakho loqhagamshelwano ngemali-mboleko yomfundi xa uqala ukuphumelela kwaye rhoqo xa uhamba. Uya kuba noxanduva lokwenza iintlawulo emva kweenyanga ezintandathu nokuba ngaba izitatimende zenzile kuwe. Ukuhlaziywa kolwazi lwakho kunye nokusebenzisa idilesi yokusisigxina (njengedilesi yabazali bakho) njengendlela yokukhusela izakukunceda ukuba ufumane ulwazi ngexesha elifanelekileyo kwaye unqume indlela engcono yokulawula iimboleko zakho zabafundi.
2. Qinisekisa ukuPhathwa kwakho
Nangona iimali-mboleko zomfundi zakho zimele zenzeke ngokuzenzekelayo xa uphumelela, ngamanye amaxesha kukho impazamo kwaye iimali-mboleko zomfundi azikho. Unokugqiba ngeentlawulo ezidlulileyo kunye neentlawulo zenzalo ukuba awuqinisekisi ukuba imali yokubolekwa kwabafundi iyakwi-deferment. Ifowuni elula kwenkampani yakho yemboleko iya kukuvumela ukuba uqinisekise oku kwaye ugcine ulahleko lokulungisa umonakalo emva kokuba kwenzeke.
3. Ukuhlanganiswa kwemali
Unakho ukhetho lokudibanisa iimali-mboleko zakho ezingenasisigxina kwinkokhelo enye xa uphumelele. Kulula kakhulu ukwenza inkokhelo yemboleko yomfundi omnye kunokukhathazeka ngokwenza amanani amaninzi. Nangona kunjalo, akufanele udibanise iimali-mboleko zomfundi zedolophu kunye neengxowa-mboleko zabafundi bakho ngasese.
Oku kuya kubangela ukuba ulahlekelwe yizinzuzo eziza ngeemali mboleko zemali njengendlela yokuKhokhelwa kweNgeniso eNgeniso okanye ukulungiswa kobunzima xa ulahlekelwa ngumsebenzi wakho. Imboleko yemali yabangasese ayinikezeli ngokufanayo.
Unokufuna ukudibanisa naziphi na iimali-mboleko zabafundi ezizimeleyo kwaye uzama ukulungiswa kwisantya somyinge ophantsi ongayifakela kuso Kungenzima ukwenza oku de ube nomsebenzi wakho wokuqala, kodwa ngokuqinisekileyo into omele uyiqwalasele. Iimali mboleko zemfundo yabangasese zinomyinge ophezulu kunomdla kunama-Federal Direct Loans, kwaye ihlala ishintsha. Ngokuxhomekeke kuhlobo lomboleko wesikolo sabangasese, awukwazi ukufaka isicelo sokubanjiswa komtsalane njengokuncitshiswa kweerhafu. Imali-mboleko yemali yabangasese kufuneka ibe neyona nto ibalulekileyo njengemakhadi-mboleko xa kuziwa ekuhlawuleleni ityala lakho.
4. Khangela Ukuba Ufanelekile kwiNkqubo yoNcedo okanye iNkqubo yokuxolela
Kubalulekile ukujonga iindlela ezahlukeneyo zokuhlawula ezifumanekayo ngokusekelwe kwingeniso kunye nokukhetha umsebenzi. Ikhetho leNgeniso lokuNikwa kweNgeniso liya kubeka inkokhelo yakho yenyanga ngenyanga kwingeniso yakho. Uya kufuneka uhambise umvuzo wakho unyaka ngamnye, kwaye njengoko uya kunyuka ukwenzela ukuba uya kuhlawulwa ngenyanga. Ukuba awuzange uhlawule imali yakho yemali emva kweminyaka engama-30 kule plan isalayidi esele iya kuxolelwa.
Unokuyeka okwethutyana ukuhlawula iimeko zokujongana nobunzima xa ulahlekelwa ngumsebenzi wakho okanye ubhekane nezinye iingxaki zemali. Oku kunqunywe kwimeko ngamatyala kwaye kufuneka uqhagamshelane nenkampani yemboleko yemfundi ngaphambi kokuba uyeke ukwenza iintlawulo ukuze ufaneleke.
Enye inketho kukuqwalasela iinketho zokuxolelwa kwemali mboleko. Ukuba usebenzela urhulumente okanye ongenzi nzuzo kwiminyaka eyi-10 kwaye unemali-mboleko yaseburhulumenteni yaseburhulumenteni, unokufumana inkokhelo eseleyo yokubolekwa kwemali mboleko yakho ukuba uhlawule ngexesha ngexesha le minyaka elishumi. Ootitshala bafanelekela inkqubo efanayo, kodwa eli qela liqhelekile iminyaka emihlanu. Amanye amazwe angabonisa ukhetho lokuxolelwa kwemali eyahlukeneyo, kunye neminye imisebenzi inokubakhuthaza kunye nemali yokubeka imali mboleko yomfundi wakho njengobhonasi bhaliso okanye emva kokuba usebenze apho ixesha elimisiweyo.
Ukuthatha ixesha lokukhangela ezi zikhetho kunokukunceda ugcine imali kwaye ugqibe indlela engcono yokujongana nemboleko yakho yomfundi ngoku kunye nakwixesha elizayo.
5. Yenza isicwangciso sokuzihlawula
Inkokhelo yemboleko yemali ingaba yinkxalabo, ingakumbi xa unzima ukufikelela ekupheleni kwemisebenzi yakho yokuqala. Kubalulekile ukumisela isicwangciso esiza kukuvumela ukuba uhlawule imali yakho yokuboleka imali ngokukhawuleza . Enye inxalenye yolu luhlahlo lwabiwo-mali olushiya indawo yokuhlawulwa kwetyala lakho. Kufuneka uqale ngemali-mboleko yomfundi wakho wangasese kunye nawuphi na umboleki okanye ityala lekhadi lekhredithi ovela kwiikholeji, uze uqhubekele kwimali-mboleko yakho yomfundi. Oku kungenxa yokuba izinga lesenzalo liphantsi, kwaye ngenxa yokuba unokubango inxalenye yomdla kwiirhafu . Ungadinga ukudala ukufumana imali eyongezelelweyo ukuhlawula imali yakho yemali mboleko njengokuba uthatha umsebenzi wesibini okanye u-freelancing ukuzisa imali eyongezelelweyo.