Iimboleko zemali zabafundi zivela kwiintlobo ezimbini ezibanzi. Uninzi lwabantu luqhelana nolwabiwo-mali noluntu olukhutshwe kunye nolwaseburhulumenteni, kodwa kukho iimarike ezikhula kwimali-mboleko yangasese eyenziwa ngamabhanki nakwamanye amaziko emali enenzuzo.
Imali-mboleko yangasese ayikho phantsi kwemimiselo efanayo okanye ukukhutshwa kwemali mboleko kunye neenkqubo zolawulo ezifumanekayo kwiimali-mali ezixhaswa nguRhulumente. Ngakolunye uhlangothi, iimali-mboleko zangasese ziphantsi kwemimiselo yomgaqo-nkqubo kunye nemimiselo eyenziwa kwezinye iimali-mboleko ezingezizo zemfundo kwaye zininzi iindlela ezingafaniyo nemali mboleko yemoto, imali yokubolekwa kwemali kunye nezinye iintlobo zokuboleka imali.
Imali-mboleko yabucala kunye nemali-mboleko evela kurhulumente inento ebalulekileyo ngokufanayo. Ngo-2006, iimali-mboleko zabangasese zenziwe zingenakudityaniswa kwi-bankruptcy kunye nendima ye-Bankruptcy Abuse Prevention Act kunye noMthetho woKhuseleko kwabaThengi (BAPCPA). Ngamanye amagama, awukwazi ukuwaphelisa ngokuzenzekelayo kwimeko ephosakeleyo njengokuba unamanye amatyala, njengamakhadi ekhredithi kunye neendleko zonyango.
Oko akuthethi ukuba akunakwenzeka ukuwagxotha kwi-bankruptcy. Iimali-mboleko ezizimeleyo zixhomekeke kumgangatho ofanayo wokukhutshwa komrhumo okarhulumente.
Ngokukodwa, banokukhishwa kuphela xa beza kubangela "ubunzima obungelindelekanga" kumntu onetyala okanye kuxhomekeke kumboleki.
Kodwa, enye enye indlela loo mboleko mboleko yangasese ikhutshwa ngayo. Le ndlela ihlala ekuchazeni ngokubanzi imiyalelo emininzi yemigangatho echaza ukuba zeziphi iingxowa-mboleko ezizimeleyo ezingabonwa njengemali-mboleko yemfundo ngenjongo yokuchithwa.
Njengoko siza kubona, entliziyweni kukuba ingaba unako ukuthatha inzala kwimali mboleko evela kwingeniso yakho yerhafu.
"Imali-mboleko yeMfundo eQinisekisiweyo" ikhawulezi "Iindleko zeMfundo ePhakamileyo ezifanelekileyo" ze "Iindleko zokuBakho."
Ngaphandle kweemali-mboleko zemfundo ezifanelekileyo ukusuka ekukhutsheni, i-BAPCPA ibhekiselele kwi-Internal Revenue Code kwi-26 USC 221 (d) (a), echaphazela ukunciphisa inzala kwimali-mboleko yemfundo. Icandelo 221 (d) (a) lithetha ukuba inzala kwimali-mboleko yemfundo inokudityaniswa kuphela kwingeniso ukuba imboleko "ifunyenwe kuphela ukuhlawula iindleko eziphezulu zemfundo."
Lezo "zindleko zemfundo ephakamileyo" zichazwe kuMthetho weMfundo ePhakamileyo ka-1965, ehlanganiswe kwi-20 USC 108711 njenge "indleko yokuhamba". Ngako oko, iindleko zokuhamba ziya kusetyenziswa iikholeji kwaye ngokubanzi zibandakanya ukufundiswa kunye nemirhumo, igumbi kunye nebhodi, iindleko zokuhamba kunye neendleko zokuhamba.
Imali-mboleko yokuSebenzisa
Njengoko nayiphi na iikholeji iya kufakazela, nangona kunjalo, indleko yokuhamba ayiyi kubandakanya yonke into umfundi uya kuchitha kunyaka owenziwe. Ukongezelela, isixa-mali senkxaso-mali esixhaswa nguRhulumente sinokungaphantsi kweendleko zokuba khona, ngenxa yezinto ezifana novavanyo lukaRhulumente lwemali yentsapho yomfundi kufuneka ifake, umnqweno wesifundo somgangatho wokuphila ophezulu, iimbopheleleko zentsapho yomfundi. , okanye ukungafuni umfundi ukuba afune ama-scholarships okanye amathuba omsebenzi. Ukuze benze ukusilela, abafundi bahlala bebhenela kwimali-mboleko yabucala ukuze baxhaswe ngemali mboleko yabo karhulumente kunye nezibonelelo.
Abanye ababolekisi bamashishini abucala banciphisa umrhumo wongeziweyo olongezelelweyo phakathi kwemali mboleko karhulumente kunye neendleko zokuhamba. Abanye ababolekisi, kunjalo, bayavuma ukuboleka umfundi amashumi amawaka eedola ngaphaya kweendleko zokuhamba. Ndine-graduate yekholeji eyayizizalisekisa ngokugcwele iimali-mboleko zikaRhulumente, waza wanikwa i-$ 120,000 ngaphezu kweminyaka emine kwimali-mboleko yabucala.
Amanqaku amaninzi athembisayo aya kuba neqendu elifuna ukuba umboleki aqonde ukuba imali iya kusetshenziselwa iindleko zemfundo ezifanelekileyo ngaphandle kwexabiso lemboleko.
Iimali ezibandakanya amanani angaphezu kwezinto eziyimfuneko zokugubungela iindleko zokuhamba zibizwa ngokuthi "ukuxutywa kwemali " .
Iinjongo zeCongressing for Loans Student Loans?
Xa sicinga iimfuno ze-BAPCPA, i-Internal Revenue Code kunye neNkcazo yeMfundo ePhakamileyo, akucaci ukuba iCongress yayilindele ukuba le mboleko "xa ityunjwe" xa igqibile ukugqiba imali.
Ukongezelela, nayiphi na uhlobo lokuboleka ingathathwa njengemboleko yemboleko ngokwemimiselo, kubandakanywa ityala lekhadi lesikweletu, ukuboleka kwamalinge asekhaya, kunye nezikweletu eziqhelekileyo. I-Code of Regulations kaRhulumente kwi-26 CFR 1.221-1, nangona kunjalo, icacisa ngokucacileyo ukuba iimali-mboleko ezixubekileyo zokusebenzisa imali azivumelekanga ukuba zithathwe ngumvuzo phantsi kwe-Code Revenue Code. Ngenxa yoko, iimali-mboleko ezixutywayo kufuneka zikhutshwe. Okona kuncinci, inani elingaphaya kweendleko zokuhamba zikhutshwa.
Ukuze ufunde okungakumbi malunga nale mpulelo ukuya kwi-BAPCPA, ufunde iphepha le-FinAid.org, iMida kwiNgaphandle kokuKhutshwa kweMali yeMali yabangasese .
Ukuba Unenkathazo yokuLawula iMali Yakho Yomfundi
Ukuba unenkathazo yokulawula iimali-mboleko zomfundi, unokukhetha. Ukuba unenkonzo yomphakathi okanye engekho inzuzo, unokufumana ilungelo lokuxolela imali. Unako kwakhona ukufumana inzuzo yenkqubo yokuhlawula imali ephantsi. Ukufumana ulwazi olungaphezulu, qalisa apha: Ukulawula iMali-mboleko yabafundi: Isingeniso .
Ngolunye ulwazi oluninzi malunga nokulawulwa kwemali-mboleko yomfundi ngexesha leemali ezinzima, jonga amanqaku ethu kule micimbi elandelayo:
Imiba Yesiqhelo
Izinketho zakho zokuLawula iMali-mboleko yabafundi ngokucacileyo
Uluhlu lweeNkcazo zeNgxowa-mali eziNcedisayo zabafundi
Xa ungeke ukwazi ukwenza iintlawulo zakho
Ulwaphulo-mthetho kunye nokuPhepha
Ukuqwalasela amaqhinga Ngexesha leTwin Times
Ukusinda kwiNgxowa-mboleko yomfundi
Ukujongana nabaqokeleli bemali-mboleko yabafundi
Ukuxolelwa
Ukuxolelwa Ukuxolelwa kwiSimo seSikolo
Ukuxolelwa Ukuxolela Ukukhubazeka okanye Ukufa
Ukuhlaziywa nguCarron Nicks Ngo-Ephreli 2018