Ukulawula Iimali Zomfundi: Ulwaphulo-mthetho kunye noDi

by UCarron Armstrong

Ngelishwa, ngamanye amaxesha asinakukwazi ukuhambisana neembopheleleko zethu. Ngokuqinisekileyo, ukutshatyalaliswa okanye ukwahlukana kungahlukunyezwa ngemali yethu kunye nenjongo yokuphila kakuhle. Kwabaninzi, kunye ne-bill yokulungiswa engalindelekanga okanye ingxamisekileyo yezokwelapha izolulela uhlahlo lwabiwo-mali olube lugqabileyo. Xa sikhuluma ngemali-mboleko yomfundi, INDLELA esemva kwayo inokuba nefuthe elibi kwiimviwo ezikhoyo kuthi. Yingakho kubalulekile ukwazi ukumahluko phakathi kobugqwetha kunye nokungagqibekanga.

Utywala v. Okungafaniyo

Urhulumente wesigqeba unikeze ngemali mboleko yabafundi ababolekisiweyo abathile ukuba bajongane nemboleko engekahlawulwa ngexesha. Iindlela ezifumanekayo kubaboleki zixhomekeke kulolu hlobo lwemali mboleko nokuba ingaba umbolekayo nje uyaphulaphula okanye ukuba umbolekisi uye wangena kwiimeko ezingapheliyo. Ukuba umntu obolekayo ehluleka ukuhlawula umboleko ngemali yayo yenyanga, umbolekayo uthathwa njengonyala . Ukuba ulwaphulo-mthetho luqhubeka, kwaye umboleko uya kudlulayo ngenxa yeentsuku ezili-270, umboleko ukhangelwa ukuba awukho phantsi .

Imizamo Yokuqokelela Ekuqaleni

Ininzi yemali-mboleko yomfundi inike umboleke umhla weentsuku ezili-15 emva komhla obekiweyo phambi kokuba kukho nayiphi na imali ehlawuleyo. Ngelo xesha, umboleki-mboleko (okanye i-servicer) kufuneka athumele ileta yolahlayo kumboleki. Umboleki (okanye u-servicer) angenza umnxeba kumbolekayo ngeli xesha. Umboleki okanye u-servicer kufuneka axelele nomboleki ubukho beSebe leMfundo leMboleko ye-Lover Ombudsman.

I-Ofisi ye-Ombudsman iyakwazi ukunceda abobolekayo ukuxazulula imiba kunye nomboleki okanye bancede bachonge iindlela iindlela umntu obolekayo anokulungisa ngayo ukugqwetha okanye ukungafi.

Ukuba ulwaphulo-mthetho luqhubeka kwaye umntu obolekayo akakwazi ukuhlawula, umbolekisi uthathwa njengengenakwenzeka emva kweentsuku ezingama-270. Ngelo xesha, yonke ibhalansi iya kuba ngenxa.

Kunokwenzeka ukuba ukuphepha isimo esilungileyo ngokwenza ubuncinane uhlobo oluthile lokuhlawula ngaphambi kokuba ixesha lemihla le-270 lidlule.

Amandla okuqokelela aqhelekileyo

Xa ukubolekwa kwemali kungenakwenzeka, amandla olawulo oluqhelekileyo karhulumente afumaneka kubabolekisi nabasebenzi. Amagunya okuqokelela okuqhelekileyo afaka amandla oku:

Ukubuyisela imali yentela
Ukuhlawula umvuzo
Thatha inxalenye yoKhuselo loLuntu okanye ezinye izibonelelo zentlawulo
Ukufikelela kwiimali zokuqokelela ze-25% kwi-FFEL okanye kwiMali-mboleko ngqo, kwaye ufike kwi-40% kwi-Perkins Imali kunye no-18% kwi-consolidated or loan
Yeka iimboleko zemali ezintsha kunye nezibonelelo

Ngokuqhelekileyo, ababolekisi baya kufuneka bafumane umyalelo wenkundla ukuba bafeze ezininzi zezinto zokuqokelela, kodwa umthetho wesigqeba uvumela umboleki-mboleko kumfundi, u-servicer okanye i-ejensi yokuqokelela ukwenza ezi zinto ngaphandle koqhagamshelwano olongezelelweyo lokukhusela inkundla yomthetho iya kunika umboleki .

Kuthiwani ngeSitatimende semilinganiselo?

Imali Yemali

Akukho miselo yemingcele yokuqokelelwa kwemali mboleko yomfundi. Abazange baphelelwe yisikhathi kwaye umnini-mboleko angayilandela ukuqokelela kuze kube sekufeni komboleki.

Imali Ebucala

Kuyafana okungekho imboleko yemali yabucala . Umda wexesha lokuthatha ezi ntlobo zezenzo kwimali-mboleko yabucala ngokubanzi kuxhomekeke kummiselo wemiqathango yombuso apho umbolekeki ehlala khona.

Ngokuqhelekileyo, ummiselo wemingcele uya kuhamba emva kweminyaka emithandathu ukuya kweyesithandathu emva kokuhlawulwa kokugqibela okanye emva kokuba umbolekiso ungagqibekanga. Kodwa qaphela: nangemva kokuba umnini-mboleko wangebucala angasayi kuphinda amangalele okanye ahlaziye umvuzo, umbolekisi unako ukuhlawulela aboboleka imali.

Ukuba ufumana ukuqokelela kunye nomboleki wakho okanye umboleko wakho wemali-mboleko, kubalulekile ukuba uqonde ukuba unamalungelo kunye nokukhetha, nangona unamandla okuqokelela oqokelelekileyo.

Ukufunda ngokubanzi malunga nezo zikhetho, kunye nemigangatho apho umboleki kunye nomthengisi kufuneka abambelele kwimizamo yayo yokuqokelela, funda ULAWULO LWABAFUNDI BABAFUNDI: UKUXHUMANA NABAKHULU.

Ngolunye ulwazi oluninzi malunga nokulawulwa kwemali-mboleko yomfundi ngexesha leemali ezinzima, jonga amanqaku ethu kule micimbi elandelayo:

Imiba Yesiqhelo

Uhlobo Luni Lweemali Unalo?

Izinketho zakho zokuLawula iMali-mboleko yabafundi ngokucacileyo

Uluhlu lweeNkcazo zeNgxowa-mali eziNcedisayo zabafundi

Xa ungeke ukwazi ukwenza iintlawulo zakho

Ulwaphulo-mthetho kunye nokuPhepha

UkuSetyenzwa nokunyamezela

Ukuqwalasela amaqhinga Ngexesha leTwin Times

Ukusinda kwiNgxowa-mboleko yomfundi

Ukujongana nabaqokeleli bemali-mboleko yabafundi

UkuLawula Imali Yengxowa