Indlela Yokukhusela & Ukuyeka Abaqeshi ukususela kwi-Pay Pay yakho
Urhulumente wezemfundo (kunye nababolekisi bamacandelo abucala) banakho kwaye baya kuhlobisa umvuzo. Ukubolekwa kwemali-mboleko yezemfundo njenge-Stafford kunye ne-PLUS mboleko, akukho mfuneko yokugweba ngokusemthethweni kuwe-ukulungiswa kuvunyelwe "ngokulawula," (kodwa ababolekisi bamashishini bangebucala kufuneka bakuyise enkundleni).
Akunjalo nje abafundi abasengozini: abazali abaye bathabatha imali-mboleko kubantwana babo - kwaye nabani na oye wabhawula umboleko wesikolo kumntu- unokubona umvuzo olungiswe.
Ngelishwa, ininzi yabasebenzi bemali-mboleko (inkampani othumela kuyo iintlawulo) ayinakukunika ulwazi olwaneleyo malunga nokuyeka ukulungiswa kwemvuzo ngenxa yemboleko yemali. Basenokungazi ukuba ziphi na izinto ozikhethayo, kwaye ngokubanzi abanakho ukukhuthaza ukuba bachithe ixesha bekunceda ukuba ufunde yonke into.
Ngaphandle kokuthatha imali oyifumanayo, iSebe lezeMfundo linendlela ezongeziweyo zokuqokelela kwiityala zabafundi, kubandakanywa ukubuyiselwa kwemali yentlawulo, ukunciphisa iindleko ezifana noKhuselo loLuntu, nokuthatha ipahla kwi-akhawunti yakho yasebhanki .
Indlela Yokumisa Ukulungiswa Kweengxowa-mali Zabafundi
Ababolekisi ngokuqhelekileyo bahlaziya umvuzo emva kokuba bazama ukuqokelela ukusebenzisa ezinye iindlela. Uza kufumana i-imeyile enkulu (i-elektroniki kunye ne-old-fashion) ekukwazisa ukuba kufuneka uhlawule.
Kukulungele ukuhlala uxhulumana nababolekisi, nokuba ngaba awukwazi ukuthumela imali. Ubuncinane uya kukwazi ukuba ungalindela kwaye zeziphi izinto ozikhethayo.
Eli phepha libhekiselele ngokubolekwa kwemali-mboleko yomfundi. Ukuba unemali- mboleko yangasese , ukhetho lwakho luyahluka.
Siza kujonga izinto ezingezantsi, kodwa ukujonga ngokukhawuleza, kukho ubuncinane iindlela ezine zokukhusela okanye ukuyeka ukuhlobisa:
- Ukuphumelela ukuva
- Qinisekisa imali yakho yemali mboleko kwi-mboleko entsha
- Ukubuyiswa kwemali
- Ukuhlawula ityala (okanye ubuncinane ungene kwisivumelwano sokubuyisela)
Ukuba ungenzi nto, urhulumente wesigqeba unokuqala ukuthabatha i-15% yomvuzo wakho nganye kwixesha lokuhlawula uze uhlawulwe umboleko usebenzisa Ukulungiswa Kwemali Yomvuzo (AWG).
Ileta
Ngaphambi kokuba ukulungiswa kuqale, iSebe leMfundo kufuneka likuxelele ngenjongo yokuhlobisa umvuzo wakho. Uza kufumana iileta ubuncinane iintsuku ezingama-30 phambi kwexesha elibonelela iinkcukacha ezibalulekileyo. Ukuba ufumana isaziso senjongo:
- Funda le ncwadi ngokukhawuleza kunokwenzeka - kufuneka usebenze ngokukhawuleza ukukhusela ukuhlobisa ukususela
- Funda ulwazi ngokuchanekileyo - ichaza amalungelo akho
- Qinisekisa ukuba ityala livumelekile kwaye ukuba inani lichanekile
- Qhagamshelana nomboleki wakho ukuxoxa ngezinye iindlela ezikhoyo
- Hlola okukhethwa kukho (kuquka ukuhlanganiswa kumboleko omtsha, kodwa uqaphele ngokufuduka kwimali-mboleko yomfundi ukuya kumntu obolekisa ngasese)
- Fumana uncedo ukuba uyayidinga - qha ga mshelana nomcebisi wesikweletu wendawo okanye ummeli
Ileta yakho iya kucacisa ngokukhawuleza xa kuqaliswa ukulungiswa, naziphi na izihlandlo zokubhenela, kunye nendlela onokufumana ngayo ngakumbi malunga netyala lakho. Ukuba awuphendulanga phambi komhla wokugqibela (ngokuqhelekileyo iintsuku ezingama-30), ukuhlobisa kuya kuqhubeka.
Nangona kunjalo, unako ukukhawuleza ukubhena emva koko, emva kokugcoba kuqalile - ukuba uyaphumelela ukuva emva koko ukuhlobisa kuya kumisa.
Yenza iNkundla yakho
Ukuthintela umvuzo wakho ukuba ulungiswe, cela isicelo malunga neSebe lezeMfundo. Oku kukunika ithuba lokuchaza icala lakho lezinto kunye nokuhlehliswa komhla wokuqalisa kokuhlobisa kwakho. Kukho iindlela eziliqela zokuphuma ekuhlotheni (uluhlu olungezantsi luqulethe ezinye zezinketho zakho, kwaye kunokubakho abanye).
Ubunzima: ukulungiswa okucetywayo kuya kudala "ubunzima obukhulu kakhulu bezezimali" kuwe okanye abantu abaxhomekeke kuyo. Uya kufuneka ukunikezela ngamaxwebhu, ngeenkcukacha malunga nemali yakho, ukwenzela ukuba ubonise ukuba ubhekane nobunzima.
Ingqesho: usele msebenzi wakho wangoku kwiinyanga ezingaphantsi kwe-12, kwaye unqanyulwe ngokungabikho emsebenzini wakho wangaphambili (ukuxothwa okanye ukucinywa, umzekelo).
Ukutshatyalaliswa: usandul 'ukufakela i-bankruptcy, okanye umboleko wawuthatyathwa ngokutshabalalisa.
Akukho mvelaphi: uhlawula imali mboleko, uhlala uboleke imali, okanye usuvele usekho kwiprogram yokubuyisela imali kunye ne-loan servicer yakho (kwaye ukhona kule ntlawulo). Umboleko wakho unokukwazi ukuxolelwa ukuba usebenze kwinkonzo karhulumente iminyaka engaphezu kwe-10. Kwezinye iimeko, udidekile nomnye umntu ngenxa yephutha.
Ulwaphulo lwe-ID: awuzange uthathe mboleko - omnye umntu wasebenzisa igama lakho kunye neNombolo yoKhuselo loLuntu ngenkohliso.
Ukuhlanganiswa kwemali
Ukuba awukwazi ukuphumelela ukuva, ukudibanisa ityala lakho lomfundi ngenye indlela yokuyeka ukulungiswa kwemvuzo (okanye ukukhusela ukuba kwenzeke kwindawo yokuqala). Ukuhlanganiswa kwenzeka ntoni xa ufumana umboleko omkhulu omkhulu ukuhlawula iimali-mboleko ezincinane . Emva koko, uyenzela intlawulo enye ngenyanga ufike ityala. Ngokuqinisekileyo, awuyi kunciphisa inani lemali - uyitshintsha nje.
Ukuhlanganiswa kunceda njani? Unokukwazi ukufumana intlawulo engaphantsi (enokuhlawulekayo) yenyanga ngenyanga - ngokumangalisa ngezinye iimeko. Okongeziweyo, uya kuba nemboleko emitsha yesikhokelo esilungileyo kwindawo efanelekileyo yokubolekisa imali. Ukuze udibanise umboleko osele ungagqibekanga, iSebe lezeMfundo lifuna ukuba usebenzise umboleko wokuhlanganiswa kunye nenkokhelo yokuhlawula inzuzo (okanye ufumane isivumelwano esivela kumboleki wakho wamanje), njenge:
- Ukuhlawula njengoko Ufumana iSicwangciso sokubuyisela (PAYE)
- Isicwangciso-mali esisisiseko sokuhlawula imali (IBR)
- Isicwangciso-sokuHlawuleka kweNtlawulo (ICR)
Ukufumana imali mboleko ngenkokhelo ehlawulekayo kukunceda ukuba uphume ekuhlotheni, kwaye kwakhona kukubeka kwindlela eya kumaziko angaphezulu kweekredithi . Ikhredithi yakho iphucula ngokuhlawulwa kwempumelelo nganye, ngoko uya kuphinda uvuselele i-credit yakho ngokukhawuleza. Qiniseka ukuba wenze zonke iintlawulo zakho ngexesha, kwaye uqhagamshelane nomboleki wakho xa unenkathazo yokwenza iintlawulo. Basenokukwazi ukulungelelanisa iintlawulo zakho, okanye unokufanelekela ukulungiswa okanye ukunyamezela .
Ukuba unquma ukudibanisa, qaphela ukutshintshwa kwemali-mboleko yomfundi kunye nemali mboleko. Imali-mboleko yaseburhulumenteni ineenzuzo ezithile eziya kuhamba kakuhle xa uphuma kwinkqubo ye-federal - kwaye akunqabile ingcamango enhle yokuyeka ezo zinzuzo. Nangona kunjalo, abanye ababolekisi bamacandelo abucala banikela ngemigangatho ekhangayo , ngoko kuya kufuneka uhlolisise ingozi kunye neenzuzo zombini iintlobo zemboleko.
Inkqubo yokubuyiswa kwemali
Ngokuvuselelwa kwemali mboleko, uya kugcina iimali-mboleko zakho ezikhoyo - kodwa uya kuzifumana ngaphandle kokungagqibekanga emva kokubuyela kumzila ngeentlawulo. Imboleko yakho iya ku-default emva kokuba uhambe iintsuku ezili-270 ngaphandle kokwenza intlawulo, kwaye ulahlekelwe ukufaneleka kwiintlobo ezithile (njengento yokumisa, ukunyamezela, nokuxolela) ngelixa ungagqibekanga.
Ngokuqhelekileyo kufuneka wenze iintlawulo ezili-10 eziphumeleleyo ngenyanga ukuze ususe imeko engagqibekanga. Nangona kunjalo, unako ukuyeka ukufumana umvuzo olungiswe emva kweentlawulo ezi-5 eziyimpumelelo (mboleko iya kuqhubeka ingagqibekanga ide uzalise inkqubo yokuvuselela, kodwa ubuncinane umqeshi wakho uya kumisa imali ngaphandle kwekhekheji lakho).
Olu khetho lunokuba nzima xa imali iminyanisiweyo. Uya kubakhokelela ezimbini iintlawulo zenyanga ngenyanga kwi-mboleko yakho yomfundi: imali yokulondoloza ethathwa kwintlawulo yakho, kunye nentlawulo efunekayo kuwe phantsi kweprogram yokuvuselela - ukulungiswa kubalwa ngokwahlukileyo. Ngecala elikhanyayo, kunokwenzeka ukuba intlawulo yakho yokubuyisela iya kuba yincinci (ibe ngaphantsi kwe-$ 5, kuxhomekeke kwingeniso yakho).
Thetha nomlungiseleli wakho wemali mboleko ukuqala ukuvuselelwa. Njengoko wenza njalo, xubusha okwenzekayo emva kokuvuselelwa - zingaphi iintlawulo zakho, kunye naziphi na izicwangciso zentlawulo ezikhoyo?
Ukuhlawula amatyala
Inketho yokugqibela kukuba uhlawule umboleko - okanye ubuncinane ungene kwinkqubo yokubuyisela imali eyanelisa umnini-mboleko wakho, umthengisi wemali-mboleko okanye i-ejensi yokuqokelela. Ewe, ukuba unalo hlobo lwemali ekhoyo, awuyi kuba phantsi, kodwa kunokwenzeka ukuba imeko zakho zitshintshile okanye umboleki wakho uzimisele ukusebenza nawe.
Umqeshi wokuziphatha
Izinto zingaba nzima kumsebenzi (ngokufutshane), kodwa akufanele ibe yinto enkulu.
Ukuba umqeshi wakho ufumana umyalelo ovela kwiSebe lezeMfundo ukuhlawula umvuzo wakho nokuhlawula imali yakho yemali mboleko, umqeshi wakho ufuna ukuthobela. Nangona kunjalo, umqeshi wakho akakwazi ukukutshabalalisa ukuba ube nokuhlaziywa okunye kwi-paycheck yakho (ukuba unetyala elininzi kwiimali okanye uxanduva, kunokwenzeka ukuba unokupheliswa, kodwa imithetho iyahluka ukusuka kummandla ukuya kutsho).
Ukuhlawula umvuzo wakho kudala umsebenzi ogqityiweyo kubaqeshi, kodwa umsebenzi awukho ngaphandle kwemisebenzi yabo eqhelekileyo. Abaqeshi bangavunyelwa ukuhlawula umrhumo omncinci kwintlawulo nganye, kodwa abakunacaluli, kwaye abanakukwazi ukwabelana ngolwazi malunga nokuhlobisa kwakho nabanye abasebenzi (lo mbandela wabucala, kwaye abaqeshi babhekana nemiphumo eqinile yokuphula umthetho).
Ukunikezelwa konke oko, ungalindeli umqeshi wakho onwabile ngokulungisa umvuzo wakho okanye ukuba uncedo xa unemibuzo. Musa ukuzithatha - unethuba elihle lokuba oonxibelelwano bakho bokuhlawula abanakho iimpendulo ozifunayo (kuba bengazi nje), kwaye umqeshi wakho uxhalabile ngokuthetha into engafanelekanga kwaye angene kwiingxaki zomthetho .