Umtsalane wokuqala wokubolekisa ngemali mboleko ababolekisiweyo bahlelwe ukuba baxolelwe ngemali mboleko yabo phantsi kwenkqubo yoLuntu yokuXholelwa kweNkonzo yeMboleko ngo-Oktobha 2017.
Kodwa ngoku kukho inkqubo ingenakuhlala, njengoko uhlahlo lwabiwo-mali lweTrasti lucebise ukuba luphelise inkqubo.
Iyintoni na iNkonzo kaRhulumente yokuXholelwa kwemali?
Inkqubo, evulekileyo ngo-2007, ivumela aboboleki ababolekwa ngabasebenzi abasebenza kwicandelo likarhulumente kwaye bahlawule iminyaka eyi-10 ukuze baxolelwe ngemali mboleko . Enye yeenzuzo zale nkqubo kukuba ababoleki abayi kuhlawulwa irhafu kwiimali zabo zokuxolelwa, ngokungafani nokuxolelwa ngezinye iinkqubo ezifana nezicwangciso ezifumana imali.
Kubaqeshwa abangenzi nzuzo kunye nabasebenzi bakaRhulumente, inkqubo ye-PSLF iye yanceda ukunciphisa umthwalo wetyala ngelixa kusebenza kwiindawo ezivuyisayo, kodwa kungekhona imali ezuze imali.
Nangona iprogram ibe yintlawulo kubbolekayo, ayinayo nayiphi na imiba. Ekuqaleni konyaka, i-American Bar Association (ABA) yaxela iSebe lezeMfundo emva kwabasebenzi abaningana be-ABA abaye bavunyelwa ngaphambili ukuba le nkqubo ilandelwe kamva.
Ngamanye amazwi, ababolekisi bemboleko abafundi bacinga ukuba bahlawula iprogram baze basebenzele ukuxolelwa kwemali yomfundi, kodwa kamva bafumene umsebenzi wabo abangafanelanga.
I-Budget Propositional Call for the Elimination Programme
Namhlanje i-White House ikhuphe isiphakamiso sesabelo-mali seNyaka-mali ka-2018.
Njengengxenye yesicwangciso ecetywayo, iTump yayiza kubetha i-$ 9.2 yezigidigidi ukusuka kwibhajethi yemfundo Ininzi kakhulu, njengenxalenye yesicwangciso soMongameli uTrump ifuna ukuphela kweNkqubo yoLuntu yokuTyala iMboleko kaRhulumente.
Isiphakamiso sichaza iingxaki ezahlukahlukeneyo kunye nezicwangciso ezikhoyo ezifumana inkxaso-mali kwaye zicebisa ukuphelisa inkqubo yeNkonzo yoTyala yokuTyala iMali njengendlela yokwenza uxanduva lwemali. Okwangoku, le nkqubo iyajika ibe yindleko kunokuba ikulindeleke ekuqaleni.
Ngokombiko we-Brookings Institute, "ii-agesi zeebhajethi zihlaziye ihlaziye iindleko ezicetywayo zeprogram ukuya phezulu ngexabiso elincinci, kwaye iSebe leMfundo le-US liyabika ukuba abaninzi be-PSLF ababhalisele imali engaphezu kwe-100,000 yezimali ukuze bafumane iimali ezigqibeleleyo."
Ukuxolela izikolo zemali-mboleko eziphakamileyo zezigidi zabantu ababoleke ngemali mboleko ziza ngexabiso, kwaye phantsi kwecwangciso elitsha likaTrump, le nkqubo ingasima.
Ngokweziphakamiso sebhajethi:
"Ukuxhasa le ndlela ehlanjululwayo ekuncedisweni kwetyala kubaboleki bee-grade-borrowers, kwaye ukuvelisa ukugcina imali ekuncediseni iNdleni ngendlela engapheliyo yemali, uhlahlo lwabiwo-mali luphelisa inkqubo yoLuntu lweNkonzo yokuXolisa iMali-mboleko, lubeka utshintsho lokuqinisekisa ukuba bonke ababolekayo kwi-IDR bahlawula isabelo esilinganayo somvuzo wabo, kunye nokuphelisa imali ebolekileyo. Ezi nguqulelo ziya kunciphisa ukungaphumeleli kwiprojekti yeziboleko zabafundi kunye nokuncedisa uncedo kubafundi ababolekileyo abababolekileyo abababolekileyo kunokuba baboleke imali ephakamileyo, ababolekileyo abaqeshwe ngokukhawuleza. Zonke iziphakamiso zemboleko zezikolo zifaka isicelo kwiimali-mboleko ezivela emva okanye emva koJulayi 1, 2018, ngaphandle kwaleyo ebolekileyo kubbolekayo ukugqiba izifundo zabo zangoku. "
Okwangoku, ngaphezu kwesigamu sezigidi zemali ezibolekisa ababolekayo baqhuba umsebenzi wokuxolelwa ngemali phantsi kweprogram.
Ngaphantsi kohlahlo lwabiwo-mali olucetywayo, akucaci ukuba ezi zinto ziza kutshintsha njani ziya kuthintela ababolekisi bemboleko. Ukunikezelwa kwexesha lokutshintsha (ngoJulayi 1, 2018), kubonakala ngathi abafundi banamhlanje babeza kubakho kwinkqubo, nangona akuqinisekanga.
Yintoni elandelayo kwiNkqubo yoLuntu yokuTyala iMboleko kaRhulumente?
Ukuba unethemba lokusebenzisa inzuzo ye-Service Service Loan Forgiveness, unokuzibuza ukuba yiyiphi elandelayo. Ngaba uya kukwazi ukufumana iimali-mboleko zakho? Ngaba kuyafaneleka ukuba yinxalenye yale program? Unokuba nemibuzo eninzi, kwaye ngoku, akukho tani yeempendulo ezichanekileyo.
Nangona iindaba malunga nokucetywa okucetywayo kukuxhalabisa, akukho nto igosa ngokusemthethweni.
Esi sisisiphakamiso sesabelo-mali kwaye siya kufuneka sivunywe yiCongress, kwaye abenzi bomthetho abavela kumabini omabili sele besithi kakade akukho ndawo kwiCongress.
Ukuba ngoku ulandela ukuxolelwa kwemali mboleko nge-PSLF, i-course yezenzo ezingcono ongayithatha kukuba uqhubeke nokuhlawula imali mboleko yakho. Yaye ukuba ucinga ukuba le nkqubo ifuneka ukuba urhulumente ahlale ecaleni, biza umnqweno wakho.