Musa ukwenza i-College College Savings ...
Kulapho, ukugxila emva kwengqondo yomzali ngamnye xa kuziwa ekugcinweni kwekholeji:
"Kwenzeka ntoni ukuba sisindisa yonke le mali, kwaye iphetha ukukhusela abantwana bam ukuba bangafumane uncedo lwemali abayidingayo kwiikholeji? Ngaba oku kuya kuphelisa ukusilimaza ekugqibeleni? "
Uloyiko oluqhelekileyo, kodwa ngokubonga, ukugcinwa kwekholeji yakho kunempembelelo encinci kwiindleko zakho zenkxaso-mali zexesha elizayo. Xa kufike ixesha lokuqala ukuhlawula ikholeji, uya kuvuyiswa ngokuzikhusela ngokusisigxina kwikamva lomntwana wakho.
Ukulondolozwa kwekholeji yakho kunempembelelo encinci kumabhaso ezemali, kodwa uzuze kakhulu intsapho yakho ngokuhamba kwesikhathi.
Kule nqaku, sixubusha indlela ama-529 asebenza ngayo, indlela yokuncedisa ngemali kunye nendlela aba basebenze ngayo. Ukufunda okungakumbi malunga nendlela inkxaso yezemali inika ngayo umbono ogqithiseleyo wexesha elide lo mboniso kwaye uyabonisa ukuba isicwangciso esingakanani u-529 sinako kwaye asinakukwenza.
Iiprojekthi ezingama-529 zisebenza njani
Xa uvula isicwangciso se-529, ubeka eceleni imali ngokukodwa kwimfundo yomntwana wakho; uhlobo oluthile lwe-akhawunti luneenzuzo ezicacileyo zerhafu ngaphezu kolunye ukonga. Emva kokuba unyana wakho okanye intombi yakho ilungele isikolo, imali oye waba negalelo kunye nomdla okhulile ungasetyenziselwa ukuhlawula ikholeji.
Nangona ufumana uncedo lwezemali, intsapho yakho iya kufuna ukufaka isandla kwiindleko zakho zekholeji. Isicwangciso se-529 siqinisekisa ukuba ulungele imali kwaye ulinde xa ufuna ukuba iikholeji zakho. Ukubonga kwakho ama-529 kunye nezinye iimpahla zakho zezimali zisetyenziselwa xa kunikwa inkxaso ngoncedo lwemali, kwaye iminikelo yakho yentsapho ibalwa.
Inkqubo iqala ngesicelo se-FAFSA sokuncedisa abafundi.
Hlangana neFSAFSA
Isicelo samahhala se-Federal Aid Aid (FAFSA) sisisicelo esisetyenziselwa iintsapho ukufaka isicelo se-Federal aid ekholejini, kubandakanywa izibonelelo, iimali-mboleko kunye nenkxaso-mali yokufunda. I-FAFSA ilawulwa yiSebe leMfundo le-United States kwaye inikezela ngaphezu kwama-dollar ayi-150 yezigidi kwiikholeji ngonyaka.
Kufuneka uzalise i-FAFSA nangona ungaqiniseki ukuba uyakufanelekela isibonelelo se-Federal okanye mboleko. Uninzi lweekholeji kunye namashishini zisebenzisa le fom echanekileyo ukuqinisekisa ukubhalwa kweengxowa-mali kunye nolwazi lwemali.
Xa i-FAFSA yakho igqibeleleyo, uya kuqonda inani lemali yakho intsapho kulindeleke ukuba ifake kwimfundo yengane yakho. Loo mfanekiso, obizwa ngokuba yi-"Expected Family Contribution" okanye i-EFC, isetyenziselwa ukujonga ukuba luncedo kangakanani umntwana wakho. Uncedo olufumaneka kuwe luya kuxhomekeka kwiindleko zokuya (i-COA) kwisikolo okhethileyo.
Nangona le fomyula isebenza ephepheni, ipakethe yezemali enikezelwa ngokukhawuleza ayifuni ngokugcwalisa impazamo. Iphakheji yenkxaso-mali ingabandakanya igranti (ezingenakho ukuhlawulwa kwakhona) kunye nemali mboleko kodwa ingabonakali zonke iindleko zakho. Ukulondolozwa kweekholeji kuza kulungelelanisa kweli nqanaba, kukuvumela ukuba udibanise isikhala phakathi kwe-COA yakho kunye ne-EFC yakho.
529 Izicwangciso kunye noNcedo lwezeMali
Udale iplani ye-529, wongezwa kuyo ngokuthembeka kwaye intombi yakho ilungele ukuya esikolweni sakhe esikhezulu esikhethiweyo. Le ngxowa-mali iya kukunceda ukuhlawula ikholeji, kodwa iya kuba nefuthe elincinci kwindleko yakho yemali. Bobabini ubunini be-fund kunye nomba wakho wenzuzo yendlu xa ubheka kwisicwangciso sakho se-529 kwaye uza kuthintela njani iindleko zakho ixesha elide.
Ngubani ophethe iSicwangciso sama-529?
Iimpahla zakho ziyinxalenye ye-equation xa uncedo lwakho lwezezimali lunqunywe, kwaye isicwangciso sokulondolozwa sama-529 sithathwa njengexabiso. Ubunini bemiba ye-asethi kwaye kuya kuba nomthelela omkhulu ekugqibeleni kwakho ukuphelisa. Impahla yabazali ibalwa ngokwahlukileyo kunamashishini abafundi, ngoko ke ukuba wena, umzali unayo i-akhawunti inenzuzo ngakumbi kumgca wakho ophantsi:
Ukubala Igalelo lakho leNtsapho elindelekileyo:
| Uhlobo lweAset | Impact kwi-EFC |
|---|---|
| Abazali-Abanikazi | Ukufikelela kuma-5.64 ekhulwini |
| Abafundi-Abanikezelweyo | Ukufika kuma-20.00 epesenti |
Xa umzali anayo i-akhawunti ye-529, ipesenti ezi-5.64 kuphela zexabiso elondoloziweyo libalwayo ngelixa i-EFC yakho ibalwa, kubangele iiphakethe ezinkulu zemali zomfundi. Ubudala bomzali budlala indima kakhulu; Umdala womdala omdala unokuchaphazela ukuba ubalekele kangakanani amaxabiso akho angama-529 kwiindleko zekholeji yengane yakho, ngokwe-US News kunye neNgxelo yehlabathi.
Indlela yakho ye-529 ye-College Savings Impact yakho ye-EFC
Ubungakanani bokuba imali eyongeziweyo ithintela iibhaso zakho zenkxaso-mali? Kuxhomekeke ekubeni ungalondoloza bunjani, ezinye izinto zakho kunye nobukhulu bendlu yakho. Ukujongwa kweentsapho ezimbini ezibonisa ukuba i-akhawunti yokugcina imali ingabangela njani iindleko eziqhelekileyo zeekholeji.
Bobabini iintsapho zikaSmith kunye neJones zinezingane eziya esikolweni esifanayo kulo nyaka; Iifundo zibiza i-$ 50,000 ngonyaka. I-Smiths igcine i-$ 75,000 kwisicwangciso se-529; AmaJones awazange azungeze ukuqala i-akhawunti yokulondoloza konke. Zomibini iintsapho zinomvuzo ofanayo kunye nosapho.
Kuba baSmiths, ukuba lolo ndolozo oluthe xaxa luchaza igalelo labo lentsapho likhuphuka; ukuba i-75,000 eyongezelelweyo eyi-$ 75,000 yokugcina imali ithetha ukuba i-EFC yabo yonke unyaka wokuqala wesikolo i-$ 9,826, usebenzisa i-calculator esheshayo ye-EFC kunye nengeniso ye-$ 70,000. Bayihoxisa imali efunekayo kwisicwangciso sabo sama-529 sokuhlawulela unyaka wesikolo.
Kwintsapho yaseJones engenabalondolozi, i-EFC yonyaka owodwa wokuqala iya kuba yi-$ 7,970, isebenzisa i-calculator kunye namanani angeniso kunye nentsapho.
Ukugcina okanye Ukungabikho?
Abasindisi bentsapho baseSmith bafumana ukuba imali yabo engu-529 ithintela igalelo labo lezezimali ngemali eyi-1,800 ngonyaka; Basebenzisa imali egcinwe ukuhlawula i-EFC ngamnye unyaka. Ekupheleni kweminyaka emine yesikolo, abafundi babo abaphumelele ngeemali ezihlawulwa ngetyala lokufumana imali ngenxa yokuba imali ikhona ukuhlawula isikolo.
Intsapho yaseJones ayigcinanga imali kodwa yafumana imali engaphezulu kweedola ezili-1,800 kumncedisi wezezimali kunabalingani babo basindisa. Imfuno yokufihla i-EFC kwaye yenza njalo ngemali-mboleko yomfundi. Xa umntwana wabo uphumelela, wenza njalo nge $ 50,000 kwiimali-mboleko zabafundi kwaye kufuneka aqale ukuzihlawula emva konyaka wokugqweswa.
Umgca wokugcina imali kwiikholeji kukuba iiplani ozibekela bucala kwisicwangciso se-529 ziya kuba nefuthe elincinci kwintlawulo yakho yoncedo lwezemali ngamnye ngonyaka, kodwa ukuba neengxowa-mali zifumaneke kuya kunciphisa kakhulu inani lemali-mboleko yomfundi ofuna ukuyifaka isicelo kunyaka ngamnye .
Ezi zibalo zisebenza kwimali kuphela etyalowe kwisicwangciso se-529. Ukurhoxiswa kwi-akhawunti yakho yokugcina umhlala-phantsi, ukubambelela imali kwi-akhawunti yokugcinwa rhoqo akuyi kukufumana iirhafu ezifanayo okanye unikele ngezibonelelo ezifanayo xa ulungele ukuhlawula ikholeji.