Inkokhelo yeboleji yezikolo zemali ihlawulwa ukuba i-$ 1 trillion ngaphezulu. Ekupheleni konyaka ka-2011, inani elihlawulwayo elipheleleyo elihlawulwe ngetyala lemali lalingumfundi liqikelelwe kwi $ 165 billion.
Oku kungabonwa phantsi kuba kungekho ndawo yokugcina yolwazi kwiingxowa-mboleko zabafundi zangasese.
Imali-mboleko yabangasese iyimarike ebaluleke kakhulu, isetyenziswa ikakhulu ngabafundi abaneemfuno ezingaphezulu zamatyala, njengabantwana abanomnikelo omncinci okanye ongabikho nentsapho, kwiiyunivesithi ezizimeleyo, kunye nabafuna i-graduate ne-degree degrees.
ISebe leMfundo alikho nxaxheba ekulawuleni umboleko wemali yabucala. Ezi mboleko zikhutshwa ngamabhanki nakwamanye amaziko emali, kwaye kwezinye iimeko ngamashishini angenzi nzuzo. Zibeka imiqathango yazo.
Nangona iimali-mboleko zabafundi zabangasese azilawulwa yiSebe lezeMfundo, ababolekisi bamacandelo abucala kufuneka bahambelane neminye imithetho yaseburhulumenteni kunye neyelizwe esetyenziswa kwimali-mboleko ngokubanzi. Ngokomzekelo, iimali-mboleko azikwazi ukudlulela iintlawulo zemali ezibekwe phantsi kwemithetho ye-usury yomthetho. Ukongezelela, umthetho wesigqeba ufuna iimfuno ezizodwa zokubhengeza iimali-mboleko zemali ezizimeleyo ezenzelwe ukuqinisekisa ukuba ababolekayo bayaziqonda iindleko kunye nemigomo.
Ezi zichaziweyo zenziwe kwisigaba senkxaso yesicelo semali, isigaba sokuvunywa kunye nesigaba sokuthengwa kwemali mboleko. Ezi zichazi ziquka ulwazi malunga neerhafu, iintlawulo kunye neendleko zokuhlawula emva kwexesha, iimfuno zokubuyisela kunye neemfuno zokufaneleka kwezikolo, kunye nokufumaneka kwamanye amazwe okubolekwa kwemali mboleko.
Ababoleki bafuneka ukuba bagqibe "ifom ye-self-certification fomu" ichaza ukuba imali ehlawulwa ngemali engaphantsi ingafumaneka kumfundi.
Xa ulungele ukulawula iimali-mboleko zemfundo yabucala, kubalulekile ukuqonda into onokuyilindela kunye nokuba yeyiphi umnini-mboleko wakho wangasese angakunika. Nazi ezinye iinkcukacha kunye nezikhokelo eziqhelekileyo zokujongana nababolekisi abazimeleyo:
Xa kuqwalaselwa umboleko weMali yabaPhuhliweyo. . .
- Iingeniso zenzalo zababolekisi bemfundo yabangasese zivame ukuba ziphakamileyo kunokuba zibolekwe ngemali mboleko.
- Abanye ababolekisi banokunikela ixabiso lentlawulo elincinci okanye iintlawulo ezongeziweyo.
- Abaninzi ababolekisi bamashishini babucala bafuna ukuba unike umnxibelelwano oza kubhalwa ngemali xa ungenako okanye ungenzi iintlawulo.
- Abaninzi ababolekisi bamashishini bafuna ukuba wena kunye nomninimzi-mlingani wakho unelungelo lokuthenga ngetyala, unomlinganiselo othile wekhredithi, umvuzo okanye umvuzo-kuya-ngeniso.
- Abaninzi ababolekisi bamashishini abucala bahlawulisa isicelo, imvelaphi okanye imali yokuhlawula.
- Abanye ababolekisi bangebucala banikezela ixesha lokuhlawula ixesha elifikelela kwiminyaka engama-20, kuxhomekeke kwisixa semali.
Xa Unenkathazo Ukwenza Iintlawulo Zemivuzo Yomfundi Wodwa. . .
- Ukutshintsha inkokhelo yakho okanye ngokwemigaqo yakho yentlawulo, kufuneka uxoxisane ngqo nomboleki. Ababolekisi abaninzi banikela uhlobo oluthile lokuhlanganiswa kwemali mboleko yabafundi abazimeleyo okanye baya kuhlaziya iimali-mboleko zabafundi abazimeleyo.
- Abanye ababolekisi bamacandelo abucala banikela iinkqubo zokumisa iintlawulo ngexesha lokungasebenzi okanye ukugula.
- Imboleko yemali yabangasese ayikwazi ukuhlanganiswa kunye nemali-mboleko yemfundo yomgaqo-nkqubo kwinkqubo yokudibanisa kunye nokuQinisekiswa kweMali.
- Imali-mboleko yemali yabangasese ayifanelekanga kwisisombululo sokuhlawula i-federal njenge-IBR, i-ICR, ukuhlawula okuKongeziweyo okanye ukuhlawula njengoko ufumana.
- Abanye ababolekisi banokunikela ukuba badibanise iimali-mboleko zomfundi zedolophu kumbolekiso wokuzimela wangasese. Ukuba ukhetha le ndlela, iimali-mboleko zakho zomfundi ziya kuhlawulwa kwaye ukuhlanganiswa kokusemthethweni akusayi kufumaneka kuwe. Namaxesha onke.
- Izinketho zokubuyiselwa kwezibonelelo zemali-mboleko zangasese ezizimeleyo zikhona ekuqaliseni komboleki.
- Ababolekisi abazimeleyo baxhomekeke kwimigangatho ebekwe phantsi kuMthetho woBuqokelelo boTyala loTyala lwe-Federal, olawula ubudlelwane phakathi kwababoleki kunye ne-arhente yokuqokelela i-third party kunye nemigangatho efunekayo yi-Fair Credit Reporting Act. Unamalungelo ukuba umqokeleli angene kwizenzo ezingalunganga okanye akugubungele ukuhlawula okanye ukuba umqokeleli, umniki-mboleko okanye umbolekisi ubika ngokungalunganga imbali yakho yentlawulo kwiimali-mboleko zemboleko.
Imali Yemali Yabafundi Abangasese kwiNgxowa-mali. . .
- Iimali mboleko zemali ezizimeleyo zixhomekeke kumgangatho ofanayo wokukhutshwa kwi-bankruptcy njengemali-mboleko yomfundi oxhasiweyo.
- Ezinye iimali-mboleko zabafundi ezizimeleyo zingahlawulwa xa zihlawulwa xa zenziwe ngaphezu kwexabiso elifunekayo ukujongana neendleko eziqhelekileyo zekholeji.
- Iimali mboleko zemali ezizimeleyo zingalawulwa ngeSahluko 13 izicwangciso zokuhlawulwa .
- Ngokungafani nemali-mboleko yomfundi, ongenawo ummiselo wemingcele yokuqokelela, iimali-mboleko zemali ezizimeleyo zixhomekeke kummiselo wokunciphisa njengoko kunqunywe - ngokuqhelekileyo - ngohlobo lomhlala-mboleki.
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
Ukuqwalasela amaqhinga Ngexesha leTwin Times
Ukusinda kwiNgxowa-mboleko yomfundi
Ukujongana nabaqokeleli bemali-mboleko yabafundi
UkuLawula Imali Yengxowa
Ukuxolelwa
Ukuxolelwa Ukuxolelwa kwiSimo seSikolo
Ukuxolelwa Ukuxolela Ukukhubazeka okanye Ukufa
Imali Yomfundi kwi-Bankruptcy