Sebenzisa la maqhinga alula ukuphatha iNgxowa-mboleko yeMboleko yabafundi
Awukwazi ukukwazi ukufumana ubomi obunzima iminyaka emininzi njengoko usebenza ukuhlawula iqondo lakho. Kubalulekile ukuba uqaphele ukuba ukulungelelaniswa neentlawulo ezisekelwe kwingeniso kunye neenkqubo zokuxolela umboleko, kuya kufuneka udibanise imali yakho mboleko kwi- Federal Direct Loan . Imali-mboleko yakho yomfundi inokulimaza imali yakho , kwaye kubalulekile ukujongana nabo ngokukhawuleza
Izinketho zokuhlawula
Kukho iinketho ezininzi ezifumanekayo kuwe xa kuziwa ekubuyiseni imali mboleko yakho yomfundi. Urhulumente waseburhulumenteni usandul ' ukhetho lwengeniso-mali oluvumela ukunciphisa intlawulo yakho yenyanga ngokusekelwe kwingeniso yakho yangoku. Kuya kulungiswa njengoko imali yakho engenayo ishintsha kwaye emva kokuba wenze i-intlawulo yexesha-mali kwiminyaka engamashumi amabini anesihlanu unako ukufumana ibhalansi eseleyo. Ukuhlawula njengoko Ufumana inkqubo kuyafana, kodwa kunika uncedo oluninzi ngemali mboleko yakho.
Enye inxaxheba kukuhlanganisa iimali-mboleko zakho zedolophu kunye nokwandisa inani lexesha kufuneka uhlawule umboleko.
Ukhetho lokudibanisa luya kunciphisa intlawulo yakho yenyanga, kodwa uya kugqiba ukuhlawula ngaphezulu inzala kwimpilo yakho mboleko. Olu khetho lunokwenza kube lula ukulawula imeko yakho yangoku yemali, ingakumbi ukuba awufaneleki kwimali-mboleko yomfundi ongenise imali. Unokufakela kwinqanaba lomdla kunye nokuhlanganiswa kwemali mboleko.
Ukuba ufuna ukulungelelanisa inkqubo yokuxolelwa kwemali mboleko, kufuneka udibanise kwiNgxowa-mboleko ye-Federal Direct. Ukuhlanganiswa kunokungena kwizinga lakho langoku kwaye kuthintela inzala yakho yomhlala-mboleko ekukhuphukeni.
Ukongezelela, unokusebenza kunye nomboleki wakho ukuba unenkcitho enzima yokufumana umsebenzi okanye ukuba ulahlekelwe ngumsebenzi wakho. Urhulumente wephondo uza kukuvumela ukuba uhlawule iintlawulo zakho xa ulahlekelwa ngumsebenzi okanye ukuba unobungozi bemali enzima. Uzakufuna ukuqwalasela imeko yakho kwaye uphendule imeko yakho. Awukwazi ukuyeka ukumenza iintlawulo, kufuneka ubizele kwaye ucele ukuba ufake i-deferment kwaye ugcwalise isicelo ukuze ufaneleke.
Imali Yemali Yabafundi Abangasese
Imali-mboleko yemali yabangasese inomyinge onomdla ophezulu kwaye ayiyi kuba yinto eguquguqukayo ekutshintsheni inani lakho lokuhlawula okanye ukuvumela ukuba unyuke iintlawulo. Ixabiso lentengo liphezulu kakhulu kwimali-mboleko yomfundi wabucala. Uya kufuneka uhlawule ngokukhawuleza ngokukhawuleza okokuqala. Ukuba iimali zokuhlawula zininzi kakhulu, nangona kuhlawulwa kweentlawulo zemboleko zomfundi zonyango, ungacinga ukuba udibanise iimali-mboleko zomfundi ozimeleyo ukuba wandise inani lexesha omele ulihlawule ngalo mboleko. Xa udibanisa umboleko wesikolo sakho somntu wangasese uzama ukungena kwizinga lomdla endaweni yokusebenzisa intsingiselo yenzala eguqukileyo.
Efutshane kakhulu ixesha le mboleko mbo ncinane uza kuhlawula ngenzala, ngoko uzama ukwenza imali yokuhlawula ilawulwe, kodwa uhlawule ngokungangoko unakho.
Ukucebisa ngezeMali
Iofisi yakho yokuncedisa ngemali inikezela ngeengcebiso zokuphuma ekuncedeni ukuba ufike kwisicwangciso sokuhlawula imali yakho yomboleko. Unokutyelela umcebisi wezezimali ukukunceda wenze uhlahlo lwabiwo-mali ukuhlawula imali yakho yemali mboleko ngokukhawuleza. Nangona kunjalo, kubalulekile ukuba uqaphele ukuba ezininzi iinkonzo zokunika iingcebiso ngeentengo zisebenza ngokukodwa ngetyala labathengi, kungekhona umboleko wesikolodo. I-Bankruptcy ayifuni ukuxolela umboleko wesikolodo. Kufuneka usebenze ngokukhawuleza ukunciphisa ityala lakho ukuze uqale utyalo-mali kwaye mhlawumbi uthenge ikhaya.
Xa ufumana umsebenzi wakho wokuqala ufuna ukudala uhlahlo lwabiwo-mali oluvumela ukuba ubeke imali eyongezelelweyo nakweyiphi na ityala onayo. Imali-mboleko yomfundi wakho abucala kufuneka ihlawulwe ngaphambi kokuba uqale ukubeka imali eyongezelelweyo kwiimali-mboleko zomfundi.
Ukuba uqokelele isixa-mali esikhulu semali-mboleko yemali ongayidinga ukuba uqhubeke nokuphila impilo yabafundi de ube unciphise imali okhoyo ngoku. Isixa owenzayo emva kokuba uphumelele siza kuqikelela ukuba kufuneka unciphise kangakanani ukuphila kwakho kwangoku.