Uninzi lwabantu lufuna ukwazi ukuhlawula ngokukhawuleza imali mboleko yabantwana. Ityala lesikhwama semali liye libe yinto eqhelekileyo yokuya kwiikholeji. Kunokutshatyalaza ukuba uqaphele ukuba unjani umvuzo emva kokuba uphumelele. Umrhumo wakho wokubolekisa umboleko wemfundi unokukunqanda ukwenza izinto ozithandayo , kuthatha inxalenye yengeniso yakho ongayisebenzisa ukufikelela kwezinye iinjongo zemali. Ukuhlawulwa kwemali-mboleko yakho yomfundi kunokukwenza ukuba unqwenela ukuthatha ingozi xa kuziwa kumsebenzi wakho okanye ezinye iindlela. Kubalulekile ukujongana nomtyala wakho wesikolo-mboleko ngokukhawuleza. Kufuneka wenze ukubolekwa kwemali-mboleko yakho yomfundi inxalenye yesicwangciso sezimali oyakhayo xa uqala ukuphumelela kwikholejini .
01 Qinisekisa kwiNgxowa-mboleko ye-Federal Direct
02 Yakha iSicwangciso soPhumo
Kufuneka udale isicwangciso sokuhlawula amatyala kwisikolo sakho semali mboleko. Ungabandakanya nayiphi na ityala lekhadi lekhredithi kunye nemali-mboleko yemoto kwesi sicwangciso, ngokunjalo. Uya kufuna ukubeka phambili amatyala ngokusekelwe kumdla ohlawulayo kunye neentlawulo zerhafu. Oku kuthetha ukuba ubeka iimali-mboleko zomfundi wakho wesigxina ekubeni unokubhenela ukunqunyulwa ngokusekelwe kwintlawulo yemboleko yomfundi ohlawulayo, ngelixa usebenza ekuhlawuleni imali yokubolekisa ngemali yakho yangasese ngokukhawuleza. Esi sicwangciso sinokukunceda ugxininise imizamo yakho kwaye wenze kube lula ukuphuma kwetyala.
03 Fumana kwiBhajethi
Xa usubeka umsebenzi wakho wokuqala, kufuneka uqalise uhlahlo lwabiwo-mali olunqabileyo oluya kunciphisa imali yakho ukuze ube nemali eyongezelelweyo ukubeka kwiintlawulo zakho zemboleko. Xa ubeka umsebenzi wakho wokuqala, kubalulekile ukusekwa isabelomali esilungileyo esivumela ukuba uqhubeke phambili ekusindiseni nasekuphumeni kwetyala. Ukwenza imibingelelo ngoku xa usetyenziselwa ukuphulaphula kulula kunokuba uzame ukunciphisa emva kokuba usebenzisa ukuchitha imali eninzi ngenyanga. Uhlahlo lwabiwo-mali luyakunceda ukuba ubone iinkalo onokuyinqumla imali yakho. Unokumangaliswa ukuba ungakanani imali oye wabhala yonke into phantsi.
04 Fumana iMali eyongezelelweyo
Khangela izinto zokuthengisa okanye ukufumana imali eyongezelelweyo kwibhajethi yakho ukukhawulezisa inkqubo yokuhlawula imali yakho yomboleko. Ungasebenzisa nayiphi na ibhonasi yokusayina oyifumanayo nomsebenzi wakho wokuqala kumboleko wakho womfundi. Unako ukubamba ivenkile yokuthengisa okanye ukuthengisa izinto kwi-intanethi ukufumana imali eyongezelelweyo. Oku kuya kunceda ukukhawuleza inkqubo kwaye unokukhuthaza ukuba uqhubeke phambili.
05 Thatha i-Job time-Job
Ukuba ugxininiswe ngetyala lemali-mboleko yomfundi, ingakumbi ukuba uninzi lwetyala lemali-mboleko yomfundi, ungadinga ukuthatha umsebenzi wesibini. Khangela umsebenzi oya kwenza usebenze ixesha elifanelekileyo. Umsebenzi onika iingcebiso uhlala ukhetha kakuhle, kodwa unokukwazi ukufumana ngaphezulu njenge-freelancer okanye njengomfundisi. Jonga izakhono zomsebenzi uze uhlolisise iindlela ezinokukuvumela ukuba wenze ixesha elininzi owenzayo. Emva koko sebenzisa imali eyongezelelweyo oyenzayo kumboleko wakho womfundi.
06 Faka isicelo sokuNikwa kweNgeniso eSebenzayo
Unokufaka isicelo senkqubo yokubuyisela imali ephantsi kwentlawulo xa unenkathazo yokwenza intlawulo. Inkqubo iya kusekela isixa sakho sentlawulo kwimbuyekezo yakho yomzi kunye nenani labathengi. Kufuneka uphinde usebenzise unyaka ngamnye, kwaye njengoko ingeniso yakho iyanda ukwenzela ukuba uya kuhlawulwa ngenyanga. Ukuba wenza i-time-pay payments phantsi kweprogram iminyaka engamashumi amathathu, intsalela yemboleko yakho iya kuxolelwa. Le nkqubo isebenza kuphela kwimali-mboleko yomfundi. Ungaphinda ufune ukuqwalasela i-Pay njengoko Ufumana inkqubo.
07 Thatha inzuzo yeNkqubo nayiphi na iNkqubo yokuxolela iMali onokuyenza
Ukuba usebenza njengotitshala, unako ukufaneleka ukuba uxolelwe ngetyala lomfundi wakho emva kweminyaka emihlanu. Unokufanelekela inkqubo efanayo ukuba usebenzela urhulumente okanye ungenzi inzuzo, nangona ubude bexesha eliyiminyaka eyi-10. Inkqubo ye-Teach America okanye inkqubo ye-AmeriCorps inikezela iinkqubo ezinokukunceda ukuhlawula imali yakho yomboleko. Ezinye izibhedlele zinokunikela iinkqubo zokuxolela xa usebenza kwizixeko ezingaphakathi okanye kwimimandla yasemaphandleni. Khangela ukuba umsebenzi wakho wangoku unikezela uncedo oluthile kunye neengxowa-mboleko zabafundi ngokunjalo.