Ukuhlawula iKholeji

Isikhokelo esiphezulu kwiingxowa-mali zabafundi

Ukuba awunayo imali eyaneleyo yokuhlawula ukufundiswa kwikholeji nangemva kokufundiswa kwemali, izibonelelo kunye noxanduva lwezezimali, iimali-mboleko zabafundi zingabakho ukhetho lokunceda ukukhawulela i-gap. Iimboleji zabafundi zenzelwe ukukunceda ukuhlawula iindleko zemfundo ngokuboleka imali ukuze wenze iphupha lakho kwiikholejini liyenzeka.

Nangona iimali-mboleko zabafundi sele ziqhelekile kule mihla, kusekho ukudideka malunga nendlela abasebenza ngayo kwaye ziziphi iindlela ezikhoyo.

Luhlobo luni lweeNgxowa zabafundi ezifumanekayo kubafundi?

Ukuba ufuna iimali-mboleko zabafundi, kukho iindlela ezimbini ezikhethwa kuwe:

1. Imali mboleko yezikolo
2. Imali mboleko ya bafundi

Imali-mboleko ye-Federal student inikezelwa yiSebe leMfundo le-United States kunye neengxowa-mboleko ezifumaneka kuwe emva kokuba ugcwalise i-FAFSA (isicelo samahhala se-Federal Student Aid). Okwangoku, kukho ezimbini iindlela zokubolekwa kweemali zomfundi ezikhoyo:

1. UWilliam D. Ford Federal Direct Loan Programme
2. Inkqubo yePrince Perkins Loan

Ngaphantsi kweprogram ye-Loan Direct, kukho iintlobo ezine zemboleko ezifumanekayo kubafundi:

1. Imali-mboleko ephantsi
2. Inkcitho engeke ihlawulwe
3. Mboleko ze- PLUS ngqo
4. Iingxowa-mali zokuQinisa ngqo

Izibonelelo ezixhaswayo kunye neengxowa-mboleko ezingenakulungiswa ziyafumaneka kubafundi besikolo esiphantsi kunye nabafundi abaphumeleleyo ababonisa iimfuno, ngelixa i-PLUS mboleko ikhona kubafundi okanye ngabazali. Imali-mboleko yokuBambisana ngokuBonelela iyatholakala kubafundi abakhokhelwayo kwaye bafuna ukudibanisa imali yabo mboleko kwiinyanga enye.

Imali-mboleko yemali yabangasese inikezelwa ngamabhanki nakwamanye amaziko emali.

Abafundi abangenayo i-federal aid eyaneleyo yokugubungela iindleko zezifundo bangafuna iimali-mboleko zabafundi ezizimeleyo ukuze bahlawule igalelo ngenkxaso-mali.

Ufumana Njani Imali Yomfundi?

Inkqubo yemboleko yezikolo zomfundi kunye neemali-mboleko zemali ezizimeleyo zihlukile.

Ukuze ufumane umboleko wesikolo somfundi, kufuneka ugcwalise isicelo samahhala soNcedo lwabaFundi be-Federal (FAFSA) ngo-Oktobha 1 . Kubalulekile ukuba uqaphele ukuba kunokuthi kubekho ixesha elichaziweyo kwilizwe lakho kunye nekholeji yakho.

Xa i-FAFSA yakho iqhutywe, uya kufumana iphakheji lakho lokubhawula ngemali-mboleko yomfundi ofanelekile. Okwangoku, ungasebenzisa i-FAFSA4caster ukuqikelela ukuba yintoni na uncedo lombuso olungafumaneka kuwe.

Xa ufumana umrhumo wakho wemali-mboleko yomfundi, uzasayina i-Master Promissory Note, into enesibophelelo esisemthethweni esichazela ukuba uza kubuyiselwa imali mboleko yakho.

Ukufumana imali mboleko yomfundi wabucala, uya kufuneka uchonge ibhanki yendawo, umanyano weentengo zemali okanye isikhungo semali esinikela ngemali mboleko yemfundo yabucala. Emva kokuba ukhetha nawuphi na umnikezeli ofuna ukuhamba naye, kufuneka ugcwalise isicelo. Uninzi lwababaniki bemali-mboleko lwabafundi abazimeleyo bafuna ukuba ne-cosigner.

Ngokuqhelekileyo, abazali bakho banokubhalisa imali-mboleko yakho, kodwa kubalulekile ukwazi ukuba ababhalisene nabo bajongene ngokusemthethweni ngemali-mboleko yomfundi xa ungaphumeleli ukwenza iintlawulo. Xa ukhetha umniki-mboleko womfundi wangasese, khangela ukuba banokukhutshwa ngokubhaliweyo njengendlela yokukhetha.

Iimali zenzalo kwiingxowa-mali zabafundi

Xa uthabatha iimali-mboleko zomfundi, uboleka inani elithile ukufihla isifundo sakho. Nangona kunjalo, uya kuhlawula umdla, onokuyongeza. Inzala ihlawulwe ngumboleki njengepesenti yokulungelelanisa imali.

Imali-mboleko yezikolo zaseburhulumenteni ziye zenza ixabiso lentengo elithatha inzala elithetha ukuba abayi kuguqula ngexesha lokuhlawulwa kwakho. Iirhafu zenzalo zibekwa yiNgqungquthela ngonyaka.

Okwangoku, ireyiti yomrhumo-mboleko yomfundi i-federal:

• Imali-mboleko ethe ngqo: 4.45 pesenti
• Imali-mboleko engahlawulwanga: 4.45 ekhulwini
• Inkxaso-mboleko engabonwayo (umfundi ophumeleleyo): iipesenti ezi-6
• Imali-mboleko ye-PLUS ngqo: iipesenti ezi-7

Nangona iimali-mboleko zomfundi zentela inomyinge onomdla, inkokhelo yomfundi wangasese, ngakwelinye icala, inokuthi ifumaneke inzala yentlawulo ekhoyo .

Ixabiso lentlawulo ehleliweyo lihlala lilinganayo ngexesha elide, ngelixa ixabiso lentengo eguquguqukayo lingatshintsha ngokuxhomekeke kwiimeko zemarike. Umniki-mboleko ngamnye womfundi wabucala uya kuba neerhafu ezahlukeneyo. Umehluko omkhulu phakathi kwamazinga omboleko wesikolo semali kunye nabangasese kukuba iirhafu zemali-mboleko yemali yabangasese zixhomekeke kwikhredithi yakho.

Ukuba unetyala elihle, unako ukubala amanqaku athile. Abafundi abaqhelekanga abanalo ininzi yembali yengetyala, yingakho abaninzi bemali-mboleko yemali yabangasese bafuna umququzeleli.

Ukuba umncedisi wakho unetyala elifanelekileyo, unako ukufumana umyinge wezinga eliphantsi.

Inzala ingongeza kwi-balance balance student, ngoko kubalulekile ukuqonda ukuba inzala iya kuthintela njani ukuhlawula kwakho. Ungasebenzisa i-calculator yomdla ukuze ufumane ingcamango engcono yokuba izinga lakho lomdla liyakuchaphazela ibhalansi yakho.

Izinketho zokubuyisela

Imali-mboleko yabafundi inokukunceda uhlawule iindleko ngelixa usesikolweni. Emva kokuba uphumelele, lixesha lokuhlawula imali yakho yomboleko.

Ininzi yemali-mboleko yomfundi inesiphelo seminyaka ezintandathu apho ungayi kubakho ukwenza nayiphi na imali yokuboleka imali. Ngoko ngamanye amazwi, intlawulo yakho yokuqala yokubolekwa kwemali mboleko kuya kuba ziinyanga ezintandathu emva kokugqweswa - ngezinye ixesha ekupheleni kwexesha lokugqibela okanye ebusika, ukuba uphumelele entwasahlobo. Ukuba unako ukuyifumana, ungenza iintlawulo ngexesha lobabalo kwaye unqunyulwe ngenzala. Imboleko yemali yabangasese ayinakho ixesha lobabalo, kwaye liya kuxhomekeka kumboneleli.

Xa ixesha lakho lobabalo liphezulu, uya kuqalisa uhambo lwakho lokubuyisela . Intlawulo yakho iya kuxhomekeka kwisicwangciso sakho sokubuyisela.

Ababolekisi beeboleji baseBurhulumenteni bayabhalisa ngokuzenzekelayo kwiSicwangciso soBuhlawuliweyo esifanelekileyo, esinika umfundi umfundi iminyaka elishumi ukuba abuyisele imali. Iindaba ezilungileyo zikho ezininzi izicwangciso zokuhlawulwa kwemali-mboleko yomfundi kwaye unokutshintsha izicwangciso nangaliphi na ixesha.

Nanku ukujonga okufutshane kwiinketho zentlawulo yokubolekwa kwemboleko yomfundi:

• Isicwangciso sokuhlawula ngokuqhelekileyo . Iintlawulo ezikhompyuthile kwiminyaka eyi-10.
• IsiCwangciso seNtlawulo yokuTyala. Iintlawulo ziqala ngaphantsi kwaye zandisa iminyaka emibini kwiminyaka eyi-10.
• Isicwangciso sokuNikwa kweRhafu. Iintlawulo ezifihliweyo okanye ezigqitywe ngokugqithisileyo kwiminyaka eyi-25.
• Ukuhlawula okuhlaziyiweyo njengoko ufumana (REPAYE). Iintlawulo ziyi-10 ekhulwini yengeniso yakho kwaye unokuhlawula iminyaka engama-20 ukuya kwe-25. Ngelo xesha, nayiphi na imali esele iya kuxolelwa. Kufuneka ulungele inkqubo.
• Hlawula njengoko ufumana isicwangciso sokuhlawula (PAYE) . Iintlawulo zingama-10 ekhulwini kwingeniso yakho kwiminyaka engama-20. Ngelo xesha, nayiphi na imali esele iya kuxolelwa. Kufuneka ulungele inkqubo.
• Isicwangciso-mali esisisiseko sokuhlawula imali (IBR) . Iintlawulo ziya kuba ngama-10 ukuya ku-15 ekhulwini kwiholo lakho leminyaka engama-20 ukuya kwe-25. Ngelo xesha, nayiphi na imali esele iya kuxolelwa. Kufuneka ulungele inkqubo.
• Isicwangciso-mali sokuThumela esiNgeniso. Iintlawulo zisekelwe kuma-20 epesenti yengeniso yakho okanye imali echitshiyelwe kwingeniso yakho, nayiphi na encinane. Ixesha lokubuyisela liyiminyaka eyi-25. Emva koko, nayiphi na imali eseleyo iya kuxolelwa. Kufuneka ulungele inkqubo.
• Isicwangciso sokubuyisela iSensitive Sensitive . Inkokhelo yakho ifakwe kwisiseko sepesenti yengeniso yakho yonyaka, eyahluka ngo-mboleko, kunye nexesha lokubuyiselwa kwe-15 ukuya kwi-15. Olu khetho alunikeli ukuxolelwa kwemali mboleko.

Ngamanye kwezi zicwangciso zinemiqobo kunye neemfuno zokufaneleka, ngoko kukulungele ukuthetha nomthengi wakho wemali mboleko ukuze ubone ukuba yiziphi izicwangciso ozifanelekayo ukuba ufuna ukutshintsha izicwangciso. (Qaphela: Umniki-mboleko wakho awunjalo ngokufanayo kunye nomboleki wakho.

Uya kuhlawula umyinge omncinci womdla ukuba unamathela kwiSicwangciso soNyathelo lokuTyala kwaye uhlawule uninzi xa ukhetha iSicwangciso soTyala soNgezelelweyo. Ukuba unenkxalabo malunga nokuhlawula iintlawulo, isicwangciso esiphumelele ingeniso yakho yokubheja ukunciphisa iintlawulo zemboleko zomfundi.

Ezi zicwangciso zibeka intlawulo yakho ngokusekelwe kwingeniso yakho kwaye kwezinye iimeko zingabakho iidola (ewe, ngokwenene). Ngaphezulu koko, banikezela ukuxolelwa kwemali yomfundi emva kweminyaka engama-20 ukuya kwe-25, ekhangayo kumbolekisi ababolekisa abafundi.

Nangona ukuxolelwa kwemali-mboleko yomfundi kukhangeleka kubaninzi ababolekayo, kubalulekile ukuba uqaphele ukuba uya kuhlawula irhafu kwiphina mboleko yemali exolelwe. Inkqubo yokuxolela kuphela apho ongeke uhlawule irhafu yiNkqubo yoLuntu yokuThomba iMboleko kaRhulumente, ukhetho lokubolekisa ngemali mboleko ababolekileyo abasebenzayo kwinkonzo karhulumente.

Imboleko yezikolo ezizimeleyo zinokukhetha okuncinci kwembuyekezo kwaye zihluka ngokusekelwe kumboleki. Ekubeni iimali-mboleko zabafundi ezizimeleyo zivela kumaziko abucala emali, zibeka imiqathango yokubuyiselwa. Kubalulekile ukufumana ngokuchanekileyo ukuba ziphi iindlela zokuhlawula ezikhoyo.

Xa kuziwa ekukhetheni isicwangciso sakho sokubuyiselwa, ufuna ukufumana into esebenzayo nebhajethi yakho, ngoko kela ukuba uya kuhlawulwa njani ngenyanga. Kwakhona, qwa lasela malunga nomdla oza kuwuhlawula ngesicwangciso esithile. Izicwangciso ezincinci zithetha iintlawulo ezinkulu, inzala encinci ngelixa ixesha elide lokuhlawula liza kunika iintlawulo ezincinci, kodwa uya kuhlawula ngaphezulu.

Ukuba ufuna ukutshintsha isicwangciso sakho sokuhlawula, okanye ukuba unemivuzo yokwenza iintlawulo, qha ga mshelana ne-servicer yakho ngokukhawuleza ukuba ubone ukuba yeyiphi inketho ekhoyo.

Yintoni eyenzekayo Ukuba andinakuyibuyisela Imali Yomfundi?

Njengombolekisi wemboleko mboleko, kufuneka uhlawule imali yakho yemali mboleko ngaphakathi kwexesha elibekwe kwisicwangciso sakho sokubuyisela. Kodwa kuthekani ukuba awukwazi ukuhlawula imali yakho yomboleko? Yintoni ke?

Ukuba ungumboleki wemboleko yomfundi, unokhetho oluthile.

Okokuqala, ungathanda ukubona ukuba uvumelekile yini kwisicwangciso esithatha ingeniso. Ukuba ngokwenene awukwazi ukuhlawula iintlawulo, iintlawulo zakho zibe ziiyure ezingama-dollar kwaye uya kuba nokuma kakuhle kunye nemali mboleko yakho.

Unokujonga kwakhona ukunyanzelisa nokunyamezela njengendlela ongakhetha kuyo. Ngaphantsi kwezi zikhetho, unako ukubeka iintlawulo zakho ngekhefu ngexesha elichaziweyo.

Izinketho zakho zokuchasana zihluka ngohlobo lwakho, kodwa unokuthi uhlawule iintlawulo zakho ukuya kwiminyaka emithathu ukuba awusebenzi okanye uhlangabezana nobunzima boqoqosho. Ngaphantsi kwesigxina, awuvumelekanga ukuba uhlawule umdla owanako ngexesha lokumiswa.

Ngokwahlukileyo, umboleko wakho uya kuthi ufumane umdla xa uhamba phambili. Kukho iintlobo ezimbini zokunyamezela:

1. Ukunyamezela
2. Ukunyamezela

Ngaphantsi koxinzelelo olubanzi, unako ukuhlawula iintlawulo zakho ukuya kwiinyanga ezili-12. Ababoleki abafumana ubunzima bezezimali, ukutshintsha kwimeko yabo yengqesho okanye iindleko zonyango ezingavumelekanga bangafanelekela ukunyamezela ngokubanzi.

Imithwalo enyanzelekileyo iyimfuneko yabafundi abahlangabezana neemfuno ezithile, njengabo kwiinkqubo zonyango okanye kwiizinyo zokuhlala kwamazinyo okanye bakhonza kwiSizwe soMgcini okanye kumaMerika. Kwabo abafanelekayo, unako ukuhlawula iintlawulo zakho ukuya kwiinyanga ezili-12.

Enoba ufuna ukuphinda ulandelelanise okanye uxinezeleke, kufuneka ufake isicelo sezokhetho zokubuyisela kunye nomboleko wakho wemali mboleko. Kufuneka uqhubeke nokuqhuba iintlawulo uze uvunyelwe enye yezi zikhetho.

Ukuba uyeka ukuhlawula imali mboleko yakho yomfundi kwaye ungaqhagamshelana nomboleki wakho wemali mboleko, yakho mboleko iya kuguqulwa. Emva kweentsuku ezingama-270, iimali-mboleko zakho ziya kungena ngokuzimeleyo .

Ukuba ungagqibekanga kunokulimaza ikhredithi yakho, kwaye umniki-mboleko wakho unelungelo lokuhlaziya umvuzo wakho kunye nentlawulo yakho yentlawulo ukuze uhlawule umboleko. Ufuna ukukhusela oku, njalo qha ga mshelana ne-loan servicer yakho kuqala ukuba awukwazi ukuhlawula imali yakho yomboleko.

Ndingayigcina njani imali kwiNgxowa-mali yam umfundi?

Imboleko yemali ingakwazi ukufaka ngokukhawuleza kwaye ikhuphe enkulu ebhajethi yakho. Ukuba ufuna ukugcina imali kwimali-mboleko yomfundi, unokwenza ntoni?

Ukubhalisa ukuhlawulwa kwemoto. Abaninzi bemali-mboleko banikela i-0.25 yepesenti yokunciphisa intlawulo xa ubhalisela iintlawulo ezizenzekelayo. Ngokuqinisekileyo, ufuna ukuqiniseka ukuba unayo imali eyaneleyo kwi-akhawunti yakho yokujonga, ukuphepha izinto ezifana ne-overdraft.

Ukuhlawula imali yakho yemali mboleko. Imali-mboleko yakho yomfundi efunyenwe ngumthetho inqwenela inzala. Ngoko unokwenza ntoni ukuba awuhlali ujabule ngezinga lakho? Unokuyilungisa imali yakho yemali mboleko kunye nenkampani yangasese okanye isikhungo semali. Ngokuhlaziywa kwemali, uhlawula imali yakho yemali-mboleko yomdala kwaye ufumane imvume yokubolekwa kwemali-mboleko entsha, uthemba ngezinga elingcono. Ukususa amanqaku ambalwa kwinqanaba lakho lesenzalo kunokukunceda ugcine imali, okwenze kube lula ukugxila kwibhalansi yakho eyintloko. Nangona kunjalo, ukuhlaziywa kwemali-mboleko yezemfundo kungabakho ukuhlawula .

Khetha i-Service Public Loan Forgiveness. Ukuba usebenza kwicandelo likarhulumente kwaye uhlawula iminyaka eyi-10, unokufumana ilungelo lokuXholelwa kweNkonzo yeMali. Ngaphantsi kwesi program ungafumana zonke iimali-mboleko zakho zithethelelwe. Ibhonasi: Awuyi kuhlawulwa irhafu kwiimali-mboleko zakho, nokuba kunjalo.

Khetha iSicwangciso seNtlawulo yokuTyala. IsiCwangciso seNtlawulo yokuHlaba kwi-Standard inexesha elifutshane elihlawulelwayo, eliza kukunceda ugcine imali kwimali.

Bhatala ngaphezu kobuncinci. Uya kuba nenkokhelo encinci ngokusekelwe kwisicwangciso sakho sokuhlawula. Kodwa unakho ukuhlawula ngaphezu koko! Ukuba unako ukuwufumana, hlawula ngaphezu kweyona nto ubuncinci kwaye ugcine imali kwimali kwaye uphume kwetyala kwangethuba.

Sebenzisa indlela yeAvalanche. I-debt avalanche i-zeroes kwi-interest-interest interest in-first-interest, ngelixa ihlawula ubuncinci kubo bonke. Ngoko umzekelo, ukuba unemali-mboleko yesikolo esiphansi kunye nesikolo esiphumeleleyo, uya kugxininisa ekuhlawuleleni imali yakho yokuqala mboleko kunye nokuhlawula ubuncinci kubo bonke. Ukuhlawula imali mboleko kunye nomdla ophezulu kunokusindisa imali ngexesha.

Yintoni eyenzekayo emva kokuba Ndihlawule iMali Yami Yabafundi?

Xa wenza intlawulo yakho yokugqibela kwi-servicer yakho mboleko, ufuna ukuqiniseka ukuba uquka inzala. Ukuba awukwazi, unokwenza oko ucinga ukuba iyintlawulo yakho yokugqibela, kodwa ke usadinga imali ekhethiweyo. Unokuqhagamshelana nomncedisi wakho wemali mboleko ukuba ufuna ukuhlawula ngokutsha imali yakho.

Xa usenjenjalo, kufuneka ufumane ileta evela kumniki-mboleko wakho womfundi ochaza ukuba iimali-mboleko zakho zihlawulwa ngokupheleleyo. Gcina le leta kwiirekhodi zakho. Emva kwenyanga okanye ezimbini, uya kufuna ukuhlola i-AnnualCreditReport.com ukuqinisekisa ukuba ithi imali yakho mboleko ihlawulwa kwi-akhawunti yakho ye-credit.

Emva kokuhlawula imali yakho yemali mboleko, uya kubhiyozela kwaye uqale ukubeka imali yakho ekusindiseni nasekutsalweni.