Qiniseka ukuba Unolwazi olupheleleyo phambi kokuba uvumelane
Ukusebenzisa iimali-mboleko zabafundi ukukunceda ukugubungela iindleko zemfundo yekholejini kungabakho ukuhamba ngemali, kodwa akuyena omele uthathwe ngokulula. Izigqibo ozenzayo ngoku malunga nemali oyibolekayo ngokuxhomekeka kwixesha elizayo ukujonga kwakho ukubuyisela inkokhelo yakho inokuthi ube nefuthe elide elingapheliyo kumali kunye namanye amalungu omndeni. Emva kokuba ukhathele zonke iindidi zenkxaso-mali kunye neengxowa-mali, nangona kunjalo, ukuthatha imali mboleko kungabakho ikhefu lokugqibela.
Okokuqala, kufuneka uqaphele ukuba kukho ezimbini iintlobo zemali-mboleko yomfundi-i- federal kunye yangasese. Imali-mboleko ye-Federal student ngokuvamile ayifuni ukubhalisa ngokubambisana, kodwa banemikhwaqo eqokelelelweyo yokuqokelela xa kufuneka ulungele phantsi kwezi mboleko emva kokugqweswa. Urhulumente wephondo unokuyilungisa i-earnings ezayo okanye mhlawumbi ubambe imali yokubuyisela irhafu yengeniso apho ungayifumana khona. Ngakolunye uhlangothi, ababolekisi bemfundo yabangasese, abahlali banalo ilungelo lokuqokelela amandla, ngoko ke banakho ukufuna umnxibelelwano womboleko. Lo ngumntu onomlinganiselo ongcono wekhredithi kunokuba umfundi uyenzayo, kwaye ngubani ovuma ukuba uxanduva lokubuyisela xa umfundi engabuyi mboleko. Ngokuqhelekileyo ungumzali, ugogo nomkhulu, isihlobo okanye umhlobo osondeleyo ovuma ukuthatha ingozi.
Oko Umele Uyiqwalasele Ngaphambi Koqhagamshelwano
Ukuba uceliwe ukuba ube ngumlingisi-cosa ufuna ukucinga ngokucophelela ngaphambi kokuvuma le nto.
Ngokuqinisekileyo ufuna ukuba umfundi akwazi ukuya kwikholeji, kodwa akukho siqinisekiso sokuba kwenzeka ntoni phantsi kwendlela. Nangona izithembiso ezininzi zinokuqinisekiswa ukuba zenziwa malunga noxanduva, izinto zingatshintsha ngokukhawuleza emva kokugqiba. Umfundi unakho ukuboleka ngaphezulu kwaye abe nemali mboleko engaphezulu kunokuba ihlawulwe ngokulula, i-market market mayingeke ibe yithembiso njengoko yayisakuba njalo, okanye umfundi akanako ukufumana ngokukhawuleza umsebenzi ohlawula phezulu.
Kungakhathaliseki isizathu, uyawa emva kweentlawulo kwaye ngokukhawuleza uqala ukufumana izaziso zokuqokelela kwiibhokisi lakho leposi. Nazi ezinye izinto oza kuziqwalasela ngaphambi kokuba uvumele ukutyikitya kumgca otyunjweyo ukuze uncede ukuhlawula imfundo yekholeji:
- Unokuba noxanduva lwemali-mboleko yonke: Kakade, sonke sigxininise kwiimeko ezintle kwaye sinesizathu esihle kakhulu, kodwa izinto ezininzi zinokwenzeka. Nangona umfundi wakho unembopheleleko kwaye ufumana umsebenzi omhle, unokugula, abe neengxaki zomtshato, abe ngenye indlela yengozi, okanye abuye afe. Akukho nanye kule nto kunokukukhulula kwiimbopheleleko zakho zokubuyiselwa imali mboleko yomfundi wangasese. Thetha oku kunye nomfundi kunye neqabane lakho ukuqinisekisa ukuba unokukwazi ukwenza ezi ntlawulo xa ziza kwenzeka kakhulu.
- Iyakuchukumisa ukulinganiswa kwemali-mboleko: Unokwenza ufune ukuboleka imali yakho ngokwakho kwiminyaka ezayo, kwaye ukuba unobhaliselwano obenokubambisana naye kunokukwenza kube nzima kuwe ukuba uthabathe ekhaya okanye ngemali mboleko kwiimali ezifanelekileyo. Xa umboleki wezemali eqala ukuza ngenxa yokuba, nayiphi na imali ehlawulwe emva kwexesha okanye ephosakeleyo kwisabelo somfundi inokuthi ibonakalise kakubi kwi-credit yakho. Qinisekisa ukuba umfundi unengqiqo eqinileyo yemali ebolekiweyo, ingaba kufuneka lihlawulwe kangakanani emva kokuba inzala ibalwa, yintoni inkokhelo yenyanga nganye iya kuba, kwaye xa iintlawulo ziza kuqala.
- Kunokuba nzima ukuphuma kwimbopheleleko yakho: Nangona ucinga ukuba unakho ukulungelelanisa ukubuyisela umboleko xa kuyimfuneko, into engalindelekanga ingenzeka nakubomi bakho. Unokucinga ukuba ukhuselwe ngenxa yokuba isivumelwano sesibolekiso sinomhlathi wokukhululwa kodwa ufunde ngokucophelela. Kungenzeka ukuba akunakwenzeka ukukhutshwa kude kube ngumfundi enze inani elithile leentlawulo. Iimali zivame ukuthengiswa kwimithombo yokuqokelelwa kweqela elingasayi kuvumelana nesigatya sokukhululwa, kwaye ingaqala ukuza emva kwakho ukuhlawula.
Mcebisa umfundi wakho ukuba athembele kuqala kwi-federal, inkxaso karhulumente kunye neziko lemfundo ngaphambi kokucela ukuba ubhalisele kunye nawaphi na iimali-mboleko zabafundi ezizimeleyo.