Ngaba uyingxenye ye $ 1 trillion?
Icandelo lemboleko yomfundi likhulu. Ngomhla ka-2011, iimali-mboleko ezifunyenweyo zabafundi zihlawulise i-$ 1,000,000,000,000 e-United States kuphela.
Abantu babe netyala elingaphezulu kwiimali-mboleko zabafundi kunokuba babenza ngamakhadi-mboleko. Oko kubonakala kuyamangalisa okokuqala, de ukhangele iindleko zexabiso elithengayo. Ngonyaka wama-2013-14, iindleko zemfundo kunye neerhafu ezilinganiselwa ngaphaya kwe-$ 9,000 kumaxabiso angama-state kumaziko karhulumente, kunye nama-30,000 angama-30,000 kwiikholeji zangasese. Oko akuthinteli iincwadi, igumbi kunye nebhodi, ukuya kwi-campus, okanye i-pizza kunye nobhiya, apho ungongeza khona i-$ 15,000. Yandisa ukuba ngeminyaka emine, kwaye iindleko zokuba "ukuya ekolishi" zifikelela kwi $ 96,000 ukuya kwii-180 000 zamaRandi. Indlu yam yokuqala ayizange ihlawule i $ 96,000. Kwaye ezininzi zeendleko zixhaswa ngemali yesikhwama somboleko.
Abathathu kwabafundi abaphumelele kwiminyaka emine bashiya isikolo ngamatyala emfundo. Umyinge wamatyala umthwalo walabo baphumelele bangaphezu kwama-25,000. Ukongeza kuloo mali ehlawulwayo ehlawulwa yiminyaka emibini kunye neziqinisekiso zeziqinisekiso, abafundi abangazange bazalise iinkqubo zabo, kunye nemali-mboleko eyenziwe ngabazali babo bonke aba bafundi kwaye unokuqala ukubona ubukhulu bemiba.
Iimali eziPhakamileyo eziPhakamileyo zeeNgxowa-mali zabafundi
Ngoku makhe sithethe malunga nendlela ezi mboleko zibuyiselwa ngayo. Ngelishwa akuko yonke imboleko ehlawulwa njengoko kuvunyelwene ngayo. Enyanisweni, iibalo ezininzi zixelela. Abafundi abangama-36 kuphela bahlawula ngexesha ngexesha leminyaka emithathu yokuqala emva kokugqweswa. Isilinganiselo esingagqibekanga - ukusilela kusenzeka xa ukuhlawulwa kwentlawulo kungenziwa iintsuku ezili-270 - kule minyaka emithathu yi-14% ephezulu.
Thelekisa oku ngezinga lokuhlawulwa kwamakhadi ekwereta kwikota yokugqibela ka-2014 njengoko kubikwe yi-Federal Reserve.
Ngeendlela ezininzi iziphumo zokungagqibekanga kwimali-mboleko yomfundi zinzima ngakumbi kunezo zamakhadi-mboleko. Xa ikhadi lekhredithi lihlawulwa, abaqokeleli-mali banokuzama ukuqokelela ngokufowunela nokubhalwa komboleki, uze uxoshe umnini-akhawunti kwaye usebenzise isigwebo esipheleleyo, ngezinye iimeko, ukuhlaziya umvuzo okanye uhlawulele umhlaba umthengi ukuze anelise imali . Kodwa, umboleki unamathuluzi, kwakhona. Unakho ukukhusela umgwebo kwaye unyanzele umboleki ukuba abonise ubungqingili, into enokubakho abaqokeleli bebhilidi abahlala benenkathazo yokuyenza. Unako ukukhupha amaninzi okanye yonke inkokhelo yekhadi lesikweletu ekuqhubekeni kwebhanki.
Lezo zonyango azifumaneki kumboleki wemboleko. Ngaphantsi komthetho wesigqeba, iinkampani zemboleko zengqesho ziyakwazi ukuhlawula umvuzo ngaphandle kwesigwebo, kwaye baninzi abantu baya kukuxelela ukuba imali-mboleko yomfundi ayikwazi ukukhutshwa kwi-bankruptcy, nangona oku akunjalo ngokupheleleyo.
Ukuxhaswa kwabaBhokisi beeNgxowa-mali zabafundi
Kungenxa yokuba umthetho wesigqeba unikeza umboleki-mali umboleki-mboleko ngokukhethekileyo kunye namalungelo, akuthethi ukuba umboleki-mboleko umfundi akanamalungelo okanye izilungiso.
Kulolu chungechunge sithetha ngeendlela ezifumanekayo kubbolekayo ukuphelisa okanye ukulawula izilinganiso zemboleko zezikolo.
Kukho ngokubanzi iintlobo ezintlanu zokunceda umntu obolekisa ngemboleko mboleko.
- Ku rhoxiswa
- Ukunyamezela okanye ukuchaswa
- Ukuguqulwa kwentlawulo, kuquka ukuhlanganiswa kwemali-mboleko
- Ukuncintisana okanye ukuhlaliswa
- Ukuqokelela umngeni
Ukuze ufumane uluhlu olubanzi lweenkqubo ezifumanekayo njengoko usebenza ekuhlawuleleni imali yakho mboleko, khangela ukuba i-article YAKHO IMITHETHO YABAFUNDI: UKUHLOLA KWAKHO KU-NUTSHELL .
Azikho zonke iinkqubo zokunceda zifumaneke kubo bonke abolekayo. Kuya kuxhomekeka kwinxalenye enkulu yomboleko onayo. Ukuqala ngeentlobo ezahlukeneyo zemboleko ezifumanekayo kubboleki kunye nendlela onokuyinquma ngayo ukuba unjani na, jonga yethu inqaku UKUPHATHWA KWABAFUNDI BEZIFUNDO: YINTONI YENKQUBO EYAFUNAYO?
Unokufumana ulwazi oluninzi malunga neentlobo zemali-mboleko ezikhoyo kunye neenkqubo ongazisebenzisa ukuze ufumane uncedo kwimali-mboleko yomthetho kwiwebhusayithi yeSebe leMfundo.
Ukuze ufunde kabanzi malunga namanyathelo onokuthatha ukuze unciphise umthwalo weentlawulo zemboleko eziphezulu zabafundi, jonga amanqaku kwinqaku lethu Ulawulo lweeNgxowa zabafundi:
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
Imali Yomfundi kwi-Bankruptcy