Ukutshitshiselwa Inzala Yomhlala-mboleko Yomfundi Kwiimali Zakho Ingakugcina Imali
Ubume bemivuzo yokuThatyathwa kweNzala yeMali:
Ukukhishwa kweMali yokuThengwa kweMali yoMfundi kuvumela umntu ukuba athathe nayiphi na inzala ehlawulwe ngokwenene, kungekhona nje ukuqokelelwa, kwi- mboleko yomfundi ngexesha lonyaka wekhalenda, ngexesha elide lidibene neemeko ezithile.
Ukuncitshiswa okukhulu kunama-$ 2,500 kwaye kuxhomekeke kwimingcele yembuyekezo.
Oku kuncitshiswa "ngokwenene kumgca" uhlengahlengiso, oku kuthetha ukuba akudingeki ukuba wenze ezinye iirhafu ukuzenza. Ngamanye amazwi, ungathatha ukutsalwa okuqhelekileyo kwaye usakudla inzala yakho yomboleko .
Inomdla:
Ukuncitshiswa kwangoku kudinga ukusetyenziswa kwefomula eyinkimbinkimbi, kodwa isiseko esisisiseko silula. Ngokwenene, unokukrazula kuphela inxalenye yemali nganye yokuboleka imali emele inzala.
Naliphina iirhafu ezifuneka zihlawulwe ngaphambili ukuze zifumane umboleko, ezifana neemali zokuqala , nazo zinokudityaniswa ngobomi bemboleko.
Ezinye iintlobo zemali-mboleko ayifanelekanga kwiNzuzo yokuThengwa kweMali yeMali. Ezi zibandakanya umboleko owenziwe kwisicwangciso esifanelekileyo njengama-401K okanye ama-403b kunye nemali-mboleko eyenziwe phakathi kwamalungu athile. Ngokomzekelo, ukuba ootatomkhulu wakho wakunika imali mboleko yakho yemfundo, inzala mboleko ayiyi kuba yerhafu.
Ngaphezulu, imali efunyenwe ngemboleko kufuneka isetyenziselwe ukufundela, igumbi, ibhodi, iincwadi okanye iimrhumo.
I zi thintelo:
Konke oku kulandelayo makube yinyani ngemboleko yemali ukuba ithathelwe ingqalelo kwi-deductible:
- Isimo sakho sokufakela ukungakhange sitshatile .
- Akukho mntu unokukufaka isicelo sokukhululwa kwerhafu yakhe yentlawulo.
- Unyanzelekile ngokomthetho ukuhlawula umdla kumboleko wesikolo .
- Uhlawule ngokwenene umdla. Ukuqokelela umdla kumanqanaba akho ngokwawo akuxothwanga.
Enye yeengcamango eziqhelekileyo eziqhelekileyo malunga nokukhishwa kweMali yokuThuthwa kweMali yoMfundi kukuba umzali unokuzibiza ngokuncedisa ukuhlawula imali mboleko yomntwana. Enyanisweni, akunjalo. Umzali unokuthatha kuphela ukuxothwa xa bebophelelekile ngokwabo mboleko. Oku kuthetha ukuba abasebenzi be-Stafford , i- Perkins , kunye ne- PLUS Izikolo-mboleko eziqeshwe ngokwemivuzo aziyi kuhluthwa kumzali kuba umfundi ebolekayo.
Amanqanaba eSigaba seNgeniso:
Ukukhishwa kweMali yokuThengwa kweMali yomNxeba kuncitshiswe (okanye "kukhishwa") kubahlawuli berhafu ngamanqanaba athile eNgeniso yeGross Correction Modified (MAGI) .
Kubahlawuli berhafu abangoMntu oyedwa, iNtloko yeMakhaya , okanye i-Widow (er) isimo:
- I $ 59,999 (MAGI) okanye ngaphantsi- Ukuhluthwa ngokupheleleyo kuvunyelwe.
- $ 60,000 - 74,999 (MAGI) - Ukuchithwa okukodwa kuvumelekile.
- I-75,000 $ (MAGI) okanye ngaphezulu- Akukho ntsalelo evumelekile.
Abahlawuli berhafu bafuna ukutshatyalaliswa kwabasetyhini Ukulinganisa isimo:
- $ 119,999 (MAGI) okanye ngaphantsi- Ukuchithwa okupheleleyo kuvunyelwe.
- I-120,000-$ 149,999 (MAGI) - Ukuchithwa okukodwa kuvumelekile.
- $ 150,000 okanye ngaphezulu - Akukho mrhumo ovumelekileyo.
Ulungelelaniso kunye nezinye izibonelelo zerhafu:
Inzuzo yokuThuthwa kweMali yokuThathwa kweMali ingathathwa kunyaka ofana ne-Hope Scholarship kunye ne-Lifetime Learning Credits Credits.
Kukho umgaqo "wokudibanisa kabini", nangona kunjalo, owenqabela ukuthatha inzala ngokuphindwe kabini ukuba uyakufanelekela uhlobo oluthile lokuncitshiswa.