Oko kufuneka ukwazi malunga nokubanjiswa kokuncitshiswa
Ukuba ungumhlali waseMichigan oceba ukubeka umntwana ngekholejini, kubalulekile ukufunda ngeentlawulo zentlawulo ezifumanekayo ngokunikela kwiiplani ze-509 zeeKholeji zeeKholeji. Fundisisa okukhethwa kukho okukhoyo kunye nabantu abaye baklanyelwe ukukunceda, kunye neendleko zabo, nale ngxelo. Ukuba imali eyaneleyo igcinwe kule sithuthi, akukho xinzelelo oluncinci kwixesha lokumkelwa malunga nokufaka isicelo sokuncedisa ngemali okanye ukukhangela ukubhalwa kwemali.
Injongo yalezi cwangciso kukubonelela ngezixhobo kubacwangcisi bemali abafuna iindlela zokunceda abaxhasi babo bajongane nomsebenzi onzima wokubonga kwikholejini, ngelixa banike abahlali ithuba lokuba bafumane inzuzo yokunciphisa irhafu yengeniso eMichigan. Utyalo-mali olwenziweyo kule akhawunti lukhula ngaphandle kweentlawulo zentlawulo kunye ne-Michigan. Ukongeza, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxolelwa kwiintlawulo zentlawulo yaseMichigan naseMichigan. Iindleko ezifanelekileyo azibandakanyi nje ukufundiswa, kodwa iindleko ezithile kunye neendleko zebhodi, iikhomputha kunye neendleko zeteknoloji ezihambelanayo, iincwadi, iintlawulo kunye nezixhobo. UMichigan ungowomnye wama-33 kunye neSithili sase-Columbia ezinikezela abahlali irhafu yokutsalwa okanye irhafu yerhafu.
Ngezicwangciso ezixhamliweyo zerhafu, amalungu osapho kunye nabahlobo banokufaka isandla kwingxowa yekholeji yengane, kwaye bafumane inzuzo yerhafu ngokwenza njalo. Kule minyaka, kunye negalelo eliqhelekileyo kunye nomdla wequmrhu, isicwangciso sinokukhula ngokukhawuleza ukubonelela ngeendleko zemfundo zomntwana.
UMichigan unikezela oku kulandelayo:
- Inkqubo yeMali yokuSindisa eMichigan : Eyaziwa nangokuthi yi-MESP, oku kuyisicwangciso sokulondoloza esithe ngqo-529 (iMESP) ephethwe yi-TIAA-CREF yokuFundisa ngeNkxaso-mali. Esi sicwangciso sinika ukhetho lwezikhetho ezilisithoba. Ezi zikhetho zihluka kwisicwangciso sotyalo-mali kunye nenqanaba lomngcipheko, okuvumela abatyali-mali ukuba bakhethe ukhetho okanye ukudibanisa ukhetho oluhambelana neemfuno zabo.
- Isicwangciso soMcebisi we-MI 529 : kunye noMbuso waseMichigan, i-Allianz Global Investors Distributors kunye ne-TIAA-CREF yokuFundela iNkxaso-mali Inc. zenze i-flexible, umcebisi-ithengise isicwangciso sama-529 ukuncedisa ekulondolozeni iikholeji. Khetha kwiipotifoliyo zokutshala imali eziseleyo ubudala, ezimbini iipotfoliyo zokutshala imali, kunye neefowenuli ezilitye ezilishumi elinanye. Ezi zikhundla zihluka ngokusekelwe kwisicwangciso sotyalo kunye nemingcipheko ephantsi.
UMichigan unika neprogram yokufundiswa esikhokhelwayo, iMichigan Education Trust (MET), evulekele abaxhamli baseMichigan. Izivumelwano ze-MET zinikela ngeendlela zokuthenga ezintathu: isamba semali, ukuhlawula ngokukhawuleza, kunye nenyanga. Yintoni eyenza le nkqubo ihluke kwizinto ezininzi kukuba iminikelo ayinakwenzeka.
Izibonelelo zerhafu ze-MI 529 IziCwangciso zokuSindisa iikholeji
Igalelo elikhulu li $ 500,000. Abaxhasi kwii-MI 529 Izicwangciso banokufumana ukuncitshiswa kweerhafu yengeniso ye-$ 5,000 ngonyaka ngamnye kumntu ngamnye omdala okanye i-$ 10,000 kwiifayile ezihlangeneyo. Nangona umhlali waseMichigan uncedisa ixabiso elikhulu ngenxa yabaninzi abaxhamliweyo, banokukhipha kuphela ama-5,000 e-$ 000 ukuze babuyele omnye okanye i-R10 000 ukwenzela ukubuyisana kunye ngonyaka. Nawuphi na umrhumo owenziwe phezu komda awuxothwanga kwaye awunakuqhutshwa phambili.
Ubungakanani beMichigan 529 yokuHlanywa kweSicwangciso
Abemi baseMichigan bezama ukugqiba isigqibo sokuba okanye basebenzise icebo likaMichigan 529 ngokubhekiselele kwisicwangciso sokulondoloza kwikholeji ukusuka kwelinye ilizwe kufuneka balandele ukugcinwa kwentlawulo enokubakho kwigalelo labo. Kubalulekile ukwazi ukuba iMichigan ayinikezeli urhoxiso lwerhafu kubahlali abancedisa kwizicwangciso zephandle.
Ukuqwalasela ukuba iMichigan inexabiso lentlawulo yerhafu yengeniso ye-4.25 pesenti, ukutsalwa ngokupheleleyo kwe-$ 5,000 kunokugcina umhlawuli-ntlawulo ukuya kwi-212. Okwangoku, iMichigan ayinikezeli urhoxiso lwerhafu ngokunikela kwezinye iindidi zeakhawunti zokulondoloza iikholeji ezifana ne-akhawunti ye-Akhawunti ye-Savings Education (ESA) okanye i-ATMA Custodial Account.
Ukumangalelwa kweRhafu yokuRhweba
Ukuchithwa kwenkqubo yeMichigan 529 "ingentla kwelayini" uhlengahlengiso lwengeniso, oku kuthetha ukuba abahlali banokubanga ukuba ngaba bengayikhipheli enye ihluthwayo, kwaye esikhundleni sokuba bathathe umlinganiselo ochithwayo.
Abahlali banokubango iMichigan 529 yokunciphisa intela kwiMichigan MI-1040 Ifomu. Sebenzisa iShedyuli 1 - Ukongezwa kunye nokukhutshwa. Umgca we-17 ngowenkqubo ye-Michigan Education Savings Programme kunye ne-ID 52 529 yeCandelo loMcebisi kunye ne-Line 18 yi-Michigan Education Trust.