Mhlawumbi sele uyayazi ukuba kukho iintlawulo ezahlukeneyo zokuhlawulwa kwemali mboleko kunye nokukhetha okuhlanganiswayo, kodwa unokukhungathekiswa ubude bexesha elingathatha ukubuyisela imali leyo mboleko. Ngokuxhomekeke kwisicwangciso sokubuyiselwa, imiqathango inokude ibe ngama-25 okanye kwiminyaka engama-30 yokuboleka kwemali mboleko.
Oku kunokuvakalelwa kukude kakhulu ukujongana nemboleko, ngokukodwa ukunikezelwa ukuba urhulumente wesigqeba unokuxhomekeka xa kulandela ukulandelela phantsi ababolekayo.
Ukuba ungekho phantsi kweentlawulo zakho, unakho ukuthotyelwa ukulungiswa kwemvuzo, okanye unokuba nayiphi na imali yokubuyisela irhafu yengeniso. Abanye abbolekayo banokucinga ukuba kulula ukuhlawula yonke into okanye inxalenye yemali mboleko ngekhadi lesikweletu, kodwa kukho izinto eziza kuthathelwa ingqalelo ngaphambi kokuthatha le ndlela.
Ungayikhokhela ngeKhadi leMatyala?
Impendulo yaloo mbuzo ixhomekeke ngokukodwa kwi-servicer yakho mboleko. Ngesibolekiso somfundi osemthethweni esinobuhle, abaninzi abakhonzayo abamkeli iintlawulo zekhadi lesikweletu. Uyakwazi ukwenza iintlawulo kwiimali-mboleko zabafundi ezizimeleyo ngekhadi lesikweletu, kodwa qaphela ukuba unokufuneka uhlawule umrhumo ukwenza njalo.
Kuthekani ukuba umboleko wesikolo sakho somfundi awukho phantsi? Kwimeko apho, unako ukuhlawula ngekhadi lesikweletu.
I-Federal Student Aid, okanye i-FSA, iya kwamkela i-American Express, Discover, Master Card kunye neVisa. Unokwenza inkokhelo nge-intanethi ngekhadi okanye kwikhadi lebhanki okanye ubabize ngo-1-800-621-3115 (TTY: 1-877-825-9923).
Ngokuqhelekileyo, kunjalo, akusibulumko ukuhlawula ityala lomboleko lomfundi ngekhadi lesikweletu. Kungenxa yokuba ukutshintshana uhlobo lwetyala eliyaziwayo ngenxa yobuninzi bengahlawulwanga ngetyala.
Imigomo ingatshintsha ngokukhawuleza kumakhadi-mboleko kunye nekhadi eliye lanikeza inzala yepesenti okanye i-interest rate elincinci inokunyuka ngokukhawuleza, ngokukodwa xa ungaphuthelwa intlawulo okanye ufike.
Ezinye iirhafu zamanqaku ekhredithi zikarhulumente zingaba ziphakamileyo ezingama-20 eepesenti, ezinokubeka ingxobo ejulile ephaketheni lakho. Ngoko ke kufuneka uqiniseke ukuba unayo imali ekhoyo ukuze wenze i-credit card yakho yokuhlawulwa, okanye ukuba uhlawule umvuzo ngokuphindwe kabini kwimali efanayo. Ukufumana ibhalansi ephezulu kwiikhadi lakho leentengo zemali kungabonwa njengento engafanelekanga kwingxelo yakho yekredithi kwaye inokubeka engozini ikhono lakho lokufumana ezinye iimboleko okanye umboleko.
Iinzuzo zokusebenzisa iNgxowa-mboleko yokuhlawula imali yakho
Amanye amakhadi ekhredithi afika kunye neenkqubo ezintle zokuvuza, kodwa azinako ukufumana ingozi. Ukuba unesibambalwa esisele esivela kwisiboleko somfundi wakho kwaye uyazi ukuba unako ukwenza inkokhelo kwikhadi lakho lekredithi ngaphandle kokubandakanya inzala eyongezelelweyo, kunokufaneleka ukuba uzame ukuhlawula iintlawulo.
Amakhadi okuthenga ngetyala aya kukuxelela ngokuzenzekelayo ukuba imali yakho yenyanga yokuhlawula isekelwe kubhalansi yakho kunye nenzala. Imali-mboleko ye-Federal student inezinto ezininzi eziguquguqukayo ezifumanekayo kwiiprogram zokubuyisela imali ezisekelwe kwinzuzo engenakufaneleka ngakumbi kwiimeko zakho zemali.
Ngokutshintsha izilinganiso, awuyi kukwazi ukufumana izibophelelo zemali-mboleko zomfundi ezifana ne-deferment, ukunyamezela okanye ukuxolelwa kwemboleko. Ukongeza, unako ukukhangela inzala yemali mboleko yemali evela kwi-taxeral tax returns yakho, ngelixa ungeke ukwazi ukwenza oku ngenomdla wekhadi lesikweletu.
Ukuqhawula phezulu
Nangona kunokuvakala ukuba kuzama ukuhlawula iimboleko zemali ngamakhadi-ngetyala, kuxhomekeke ngokupheleleyo kwiimeko zakho zemali kunye neemfuno zokuhlawulwa kwekhadi lakho lekhredithi. Qinisekisa ukuba unokuphelisa zonke iinkqubo zakho zokuhlawula izibophezelo zemboleko zomfundi zentsebenzo yokuqala kunye nokuphanda ngokucophelela oko kuza kwenzeka xa udlulisela nayiphi na okanye yonke ibhalansi ephumayo kwiikhadi lakho lesikweletu. Kunyanzelekile ukuba uyazi ngokuqinisekileyo oko uzingena kuyo.