Ukukhulisa imivuzo yakho kwaye uthathe ukurhoxiswa kwe-Federal Tax-Free
Kulo vavanyo lwakutshanje lwamaxabiso ekholeji, iBhodi yeKholeji ibika ukuba kunyaka wezifundo zika-2015-2016, iindleko eziqhelekileyo zezifundo kunye nemirhumo yayingama-32,405 kwiikholeji ezizimeleyo, i-$ 9,410 kwizikolo zaseburhulumenteni kwiikholeji zikawonkewonke, kunye ne-$ 23,893 kwi-out-of- abahlali baseburhulumenteni abaya kwiiyunivesithi zikawonke
La manani akwiidola zanamhlanje, ngoko ke ukuba usandula umntwana kwaye ukhangele kwiindleko zekholeji eziyiminyaka eyi-18, ezo xabiso ziya kwanda kakhulu.
Ngezo zonke iindleko eziphakamileyo zezobomi , kulula ukuyeka imali ngemfundo, kodwa ayikho into efanelekileyo. Abaninzi baseMerika baya kufuna ukugcina ixesha elide ukuba banelungelo lokufunda iminyaka emine yeekholeji. Ukuba awuqinisekanga ukuba ungaphi na ukuqala phi, indawo enokuqala ukuqala kukujonga kwisicwangciso se-529.
Yintoni i-529 Isicwangciso?
Izicwangciso ezingama-529 zivela ngo-1986 kwaye ziye zaba yithuthi esetyenzisiweyo ngokubanzi yokugcina iikholeji. Yintoni eyenza icebo likhangeleke kukuba ngelixa igalelo zingenakudityaniswa, i-earnings kwisicwangciso se-529 iya kukhula i-taxeral ezamahala-free kwaye ayiyi kuhlawulwa irhafu xa imali ifunyenwe kwiindleko zemfundo ezifanelekileyo. Ukongeza kwikhefu lokuhlawula irhafu, okwangoku kukho amazwe angama-34 kuquka iSithili sase-Columbia enikela ngokuncitshiswa kweerhafu ngokupheleleyo okanye ngokukodwa kwintlawulo kwisicwangciso se-529.
Kukho iintlobo ezimbini zeeplani ezingama-529-isicwangciso sokulondoloza ikholeji kunye neprogram yokubhalwa kwemali yokubhadela.
Nazi ezinye zezinto ezibalulekileyo ezibalulekileyo kwicebo ngalinye :
Isicwangciso soKhuseleko lweKholeji
- Ikuvumela ukuba wakhe isikhwama semfundo kwi-akhawunti yomntu oyimali-mali. Imali oyifaka isandla ityala imali enye okanye ezinye iiphothifoliyo zokutshala imali ezibandakanya ukuxuba utyalo-mali olukhethwe kwaye lulawulwa ngumphathi wezimali otyunjweyo.
- IiNgxowa zingasetyenziselwa ukuhlawula iindleko ezifanelekileyo kuzo naziphi na iikholeji ezivunywe yiSebe leMfundo le-US. Oku kubandakanya iikholeji ze-graduate, izikolo ezigqwesileyo kunye nezifundo, iikholeji zeminyaka emibini, kunye nezikolo zobugcisa kunye nezorhwebo. Ezinye iikholeji zangaphandle kunye neeyunivesithi nazo zifakiwe.
- Umphathi wecebo uza kukuhlawula umrhumo wokulawula i-akhawunti yakho kwaye udlulise iindleko zotyalo-mali.
- Xa ufaka isicelo sokuncedisa ngemali, icebo ngokubanzi liqwalaselwa njengempahla yomzali / i-aseset.
- Iifom kwiplani yokulondoloza ikholeji ingasetyenziselwa isikolo esiphumelele.
- Iindleko ezifanelekileyo azikhawulelwanga kwizifundo kunye nemirhumo-igumbi kunye nebhodi zifakiwe.
- Ukukhethwa kwezikolo akuchaphazeli ukubuyiswa kotyalo-mali.
- Ezi zicwangciso aziqinisekisiweyo.
IsiKhosi sokuPhucula
- Ikuvumela ukuba uthenge isifundo ngoku ukusetyenziswa kwixesha elizayo. Kukho iindlela ezimbini zokwenza oku, ngecebo lesivumelwano okanye isicwangciso seyunithi:
- Isicwangciso sesivumelwano sithembisa ukuhlawula ixabiso leemfuno zokufunda ngexesha elizayo, ngokuchitshiyelwa isamba semali okanye iminikelo yexesha elizeleyo.
- Ngesicwangciso seyunithi, uthenge ipesenti ethile yeeyunithi okanye izikratshi kwaye icebo liqinisekisa ukuba nayiphi na ipesenti yekholeji ihlawula iinqununu ezikhusele ngoku ngoku, ipesenti enye iya kugqitywa kwixesha elizayo.
- Izicwangciso ezihlawulwa kuqala zihlawulisa umrhumo wendawo yokubhalisisa kwaye ngokuqhelekileyo azikho na iindleko eziqhubekayo.
- Xa ufaka isicelo sokuncedisa ngemali, icebo ngokubanzi libhekwa njengempahla yomzali / umkhulu wabo.
- Ukubhaliswa okuthe ngqo (okuncinane).
- Inokuthi ihlawulwe kwisikolo se-graduate.
- Ngokuqhelekileyo kunqunyelwe ukufundiswa kunye neentlawulo ezigunyazisiweyo (kungekhona indawo kunye nebhodi).
- Inokuthi ikhuphe iindleko zelizwe kwaye ukuba zingaphantsi kweendleko zeseburhulumenteni, ayiyi kubuyisa umehluko.
Ukufakela ku-529 Isicwangciso
Ngokuqhelekileyo, umntu anganika omnye umntu u-14,000 kuphela ngonyaka ngaphandle kokufaka irhafu yesipho. Nangona kunjalo, phantsi kweCandelo leNgxelo yeNgeniso yangaphakathi 529, umntu unokufumana isipho kuze kube yiminyaka emi-5 yeminyaka eyi-14,000 yokukhululwa kwemali ngexesha elifanelekileyo xa egalela imfundo yesibini kwimfundo yesibini. Le ibhonasi enkulu kunoma ubani ofuna ukufumana isipho kwisamba semali.
Indlela Yokufumana Isicwangciso Esifanelekileyo
Enye ibhonasi ehambelana nezicwangciso ezingama-529 kukuba awugcini nje ukusebenzisa isicwangciso kwimeko ohlala kuyo. Uya kufuna ukujonga isicwangciso esichaphazela iinjongo kunye neenjongo zakho kwaye wenze ukunyamekela kwakho kwisicwangciso ngokwawo kunye nabaphathi bezezimali. Nantsi inceba enkulu ye-529.
Okukwintsusa
Ngaba ukhathazekile malunga nendlela ohamba ngayo inyawo ezinkulu zekholeji ezantsi kwendlela? Musa ukuyeka kude kube ngomso into onokuyenza namhlanje kwaye uqale utyalomali kwisicwangciso se-529.