Ukusebenzisa Ifom ye-1040-A Inokulinganisa Umfundi kwiZiko eziLwelo oluMfuneko
Uluphi Uvavanyo lweZilwanyana ezilula?
Ukufaneleka kweZiko leMfuno eziLilisiweyo (i-SNT) kuthetha ukuba umfundi wekholeji unokufumana iphakheji enkulu yemali.
Abathengi abanokuthi bazuze ngokweenzuzo zabo okanye bafake ifomu ye-1040 edeleyo kunokuba bafumane inzuzo enkulu ekufakeni ifomu elifutshane ukuba ukwenza njalo kuya kubangela ukwanda kwezezimali zonyango.
"I-SNT ingumbuzo 34 kwifom yeF FAFSA," ngokutsho kukaRivkah Schweke, ummeli obhalisile naye usebenza njengomcebisi wezezimali. "Injongo yombuzo kukuqinisekisa ukuba i-asethi iya kubalwa okanye ingabandakanywa kwi- calculation Family Expectation (EFC) yokubala. I-EFC imele inani lemali urhulumente aziva ngayo ukuba umfundi kunye nosapho banako ukukwazi ukufaka isandla kwiikholeji Ukucacisa nje, i-lower down the number, the less you are expected to pay.
Abafundi nabazali kufuneka babe ne-50,000 engama-50,000 kwiholo elungelelanisiweyo ukuze bafanele ukufumana i-SNT ngo-2018. Ingeniso yakho engenayo kufuneka ibe ngaphantsi kwe-$ 100,000 ukuze ifaneleke ukufaka Ifom ye-1040-A , phakathi kweminye imigaqo.
Abazali abaye bahlengahlengisa imali engenayo engaphantsi kwama-$ 50,000 baya kufuna ukuqwalasela ukusebenzisa ifom ye-1040-A esikhundleni seFomu 1040 edeleyo ukwenzela ukuba bangabandakanyi impahla yabo kwigalelo lentsapho eliqikelelwayo.
Yiyiphi Inzuzo Yokuhlangabezana Neemvavanyo Ezilula Zimfuneko?
"I-SNT ichaphazela ukulinganisa kwentsapho (EFC) yokubala," uRivkah Schweke uyaqhubeka.
"EFC kulula ukuyiqonda. Masiqale ngokuchaza 'imfuno.'
I-COST OF ATTENDANCE
Ngaphantsi (-): UKUBHALWA KWENKONZO YOMTHETHO
Ulingana (=): UMSEBENZI WAKHO
"Iphakamileyo imfuno, i-EFC ephantsi, kunye ne-EFC ephantsi iindaba ezilungileyo, ziguqulela kwiimfuno eziphezulu ezifunekayo zedolophu kunye nezibonelelo ze-Stafford. esikolweni.Ukuba i-EFC yakho iyona, unesithuba sokufumana uncedo oluphezulu oluvumelekileyo lwezemali. Kongeza, izikolo zisebenzisa le nombolo njengesikhokelo sokufumana ukuba zininzi zeempahla zenkxaso-mali ezizimisele ukuzinikela.
"Ngamanye amaxesha intsapho i-EFC ephantsi ingathumela umntwana wayo kwisikolo esixabisa kakhulu kuba isikolo sandisa iipakethe zokuncedisa ngezemali kwi-EFC ephantsi."
Uvavanyo lweeNzululwazi oluLilisiweyo kunye nokuBalwa kweEFC
Kodwa i-EFC ibalwa njani ukuqala? Le yilapho i-SNT isebenza.
"I-SNT inquma ukuba iifom zibandakanywa okanye zingabandakanywa kwi-EFC yokubala," ngokutsho kukaSchweke. "Masithi umvuzo womzali ngu-$ 50,000. Ngaba oko akuthethi ukuba, ngokwenene, umzali unokufumana i-$ 49,999 yemali engenayo kunye ne-$ 1 yezigidi kwiimpahla kwaye akukho enye ingeniso emisebenzini kodwa isenelungelo lokufumana inkxaso-mali yezemali kuba i-asethi iya kubandakanywa?
Umzekelo omhle unokuba ngumama ohlukanisile ohlala kwikhaya ayithengileyo xa esatshatile uyise wabantwana bakhe Ngoku ufake iifayile enye kwaye unomvuzo ophantsi. kwaye yenzeke kodwa oko kungenokuba yindlela engcono kakhulu yokuba ahambe kule meko.
"Khumbula ukuba 'iindleko zekholeji' ngaphantsi 'kwegalelo lentsapho' lilingana 'neemfuno zabafundi'? Masikuthathele ngakumbi kwaye sibeke ngale ndlela:
UKUZIPHATHA KWABAZALI
UKUZIPHATHWA KWEMFUNDO KWEMALI YEMALI
INKQUBO YOMFUNDI KWEMISEBENZI =
UKUTYENZISWA KWENTSHOLONGO
"Ngoku kuyacaca ukuba kutheni kungcono ukuba ungabandakanyi ixabiso lomntwana."
Unceda njani u-1040A okanye u-1040EZ Uncedo?
"Ndisandul 'umthengi oya kufumana umlinganiselo wokufumana imali esixoxa ngawo," kusho uSchweke. "Ngaphandle kokutshintsha into enye yemali engenayo okanye i-asethi, sashintsha ifomu 1040 kwiFomu 1040A njengoluhlobo lweerhafu lomzali.
I-EFC yehla ukusuka kuma-20,000 ukuya kwi-zero kwi-blink yeso. Amawaka angama-20,000 ngonyaka ngamawaka emine yindleko yokugcina imali eyi-80,000 zama-dollar ngomntwana omnye. "
Oku kuchanekileyo kwinqanaba, kodwa intsapho nganye iyahlukileyo kwaye ke iimali zabo. Kubalulekile ukuvavanya ukuba i-itemizing okanye ukufakela ifomu elide lifanelekileyo kwaye ukuba kukho naziphi na iikhredithi okanye iinqununu ezinokuthi zithathwe kwi-1040 ezingaphaya kweenzuzo zenkxaso-mali. Enye ingqwalasela enokwenzeka ukuba ngaba umntwana uya kwiyunivesithi okanye kwiikholeji.
"Ukuba umfundi usetyenziswa esikolweni sabucala, isikolo siya kuphakama kakhulu," uShakeke ubonisa. "Kule meko, kunokuba kukufanele ukuphanda ukuba yeyiphi iiphakheji zoncedo lwezemali esikolweni. Ngamanye amaxesha ukucoceka kwesikolo, kungcono ukufundiswa.
"Umsebenzi omningi, kodwa ukuba u-EFC phantsi ungasindisa intsapho yamashumi amawaka, kunye namakhulu amawaka eedola ukuthumela abantwana babo kwiikholeji."
Ngaba Kuyafana Nawabafundi, Njalo?
"Abafundi abaninzi abaselula abafaki ukubuyela kwerhafu," utshilo uSchkeke, "ingakumbi xa bebexhomekeke kubazali babo. Ulawulo ngo-2018 kukuba ukuba umntu ongenamhlawuli omnye oneminyaka engaphantsi kweminyaka engama-65 akafumani ubuncinane i-$ 10,400, akafuneki ukuba afake.
I-questionnaire ye-FAFSA ibuza, 'Ngaba uvumelekile ukufaka ifayile ye-1040A okanye i-1040EZ?' Ukuba unelungelo elaneleyo, akufuneki ukuba ufake ifayile. Ngoko ungatsho ukuba awuyazi kumbuzo 34. Yithi ewe.
Ezinye izinto
Ikhowudi yerhafu iyinkimbinkimbi, kwaye ezininzi izinto zingabonakala ekubuyiselweni, "kuchaza uSchweke. Ngokomzekelo, ukuba kukho ukubuyiselwa kwemali yerhafu efunyenweyo kwiminyaka edlulileyo kumhlawuli werhafu oye wenzile , ukufakela ifom elifutshane kunokubangela ukuba kuphinde kufikelelwe . Kodwa ayikho indlela yokuyirekhoda kwifom efutshane ukuze kuphela i-1040X-ukubuyiswa kwentlawulo echitshiweyo-inokusombulula ingxaki.
"Ukongezelela, iifom ze-IRS zihluke kwiimfomula zenkxaso-mali ngoko kukhetha uchwepheshe weerhafu oqonda ukuba ulwahlulo lunokubaluleka. Ngenxa yeendleko zemfundo yekholeji ekuphumeni kwendawo, abazali abaninzi ababecinga ukuba abanakufanelekela ukufumana uncedo lwezemali badla ngokudubula kakuhle ekuthumeleleni abantwana babo kwisikolo esikhulu-ukuba bafumana isiluleko esifanelekileyo. Abazali abanobuchule kakhulu ekuncediseni abantwana babo ukuba bafumane imfundo engcono kakhulu kunokwenzeka ukuba badibane nomcebisi ocebileyo wezezimali weekholeji onolwazi olujulile lwemithetho yerhafu kunye neempembelelo ngokunjalo ukwenzela ukukunceda ukucwangcisa phambili kunye nokuceba isicwangciso. "
"Abantwana ikusasa lethu. Masithumele esikolweni! "
URivkah Schweke unguMmeli obhalisiweyo kunye nomdla onomdla kwi-klinikhi yocwangciso lwezemali. Uyaziqonda zombini ikhowudi yentlawulo ye-federal kunye nendlela yokuncedisa ngemali.