Musa Ukuvumela Iintlawulo Zemivuzo Yomfundi Ikuninzi
Indlela yokwenza i-saner yayiza kuba kukujonga imeko ngqo, jonga iindlela ozikhethayo, kwaye wenze ukhetho olufanelekileyo kwiimeko zakho. Enyanisweni, iSebe leMfundo le-United States linikezele inani elithile le-must-dos eliza kunceda wenze icebo lokuhlawulwa kwemali mboleko kunye nokunamathela kuyo. Nazi ezinye zeengcebiso zabo zokujongana nomatyala wakho womboleko wezemfundo, kodwa ezininzi zezi ziphakamiso zisebenza kwiimali-mboleko zabafundi zangasese.
Yazi iNkokhelo Yakho Yentlawulo
Awukwazi ukuvelisa uhlahlo lwabiwo-mali kuze kube yilapho uyazi inani lemali oza kulindeleka ukuba uhlawule rhoqo ngenyanga. Emva kokuba unolwazi olukhoyo, unokulufanisa kunye neengeniso zakho kunye neendleko zokujonga ukuba unokuthi ungene kwi-shortfall. ISibonelelo se-Federal Student (FSA) sinomlinganiselo wokubala wokuhlawula ongawusebenzisa ukubala imali yokuhlawula phantsi kweendlela ezahlukeneyo zokuhlawula.
Ukuba unemali-mboleko yomfundi wangasese, abaninzi babo banikela ngokulinganisela ukuhlawula okufanayo ukwenzela ukuba ufanele ukwazi ukubala iintlawulo ezipheleleyo ozenzileyo.
Fundisisa iSicwangciso seNtlawulo
Ngemali-mboleko yomfundi, ukhetha ukhetho lokuhlawula imali kodwa kufuneka uvumele umnini-mboleko wakho ukuba uya kuba nenxaxheba kwenye yezi zicwangciso.
Ngaphandle koko, uya kubhaliswa ngokuzenzekelayo kwisicwangciso esiyiminyaka eyi-10 sokubuyisela, apho iintlawulo zenyanga zingaphantsi kunokuba uya kuba nako ukufikelela. Ezinye iiprogram zokubuyisela iimboleko zemali ziyakwandisa ixesha lokuhlawula, ngokukhawuleza liphakanyise inani elifunekayo, okanye uhlaziye ishedyuli yokuhlawula ngokusekelwe kwindlela ozuza ngayo. Ukuba ukhetha enye yezicwangciso zentlawulo-mali esekelwe kwisabelo-mali, uya kufuneka uhlale unxibelelana nomniki-mboleko wakho malunga neholo lakho. Unokukhetha kwakhona ukuba umboleki wakho wemali mboleko anqume ukuba yeyiphi iplani engenayo imali engcono. Mane uqaphele ukuba nayiphi na yezi zikhetho zinokuphelisa ukuhlawula iindleko ezininzi kwixesha elide.
Unomdla kwiNkonzo kaRhulumente? A
Ukuba uceba ukuya kwinkonzo karhulumente, kufuneka ukwazi ukuba iNkqubo yoLungelelwano lweNkonzo yeMali yokuTyala (PSLF) iya kuxolela ibhalansi eseleyo kwiNgxowa-mali yakho ngqo emva kokuba wenze iikhokheji ezifanelekileyo ezi-120 phantsi kwecebo elifanelekileyo lokuhlawula xa usebenza ixesha elipheleleyo. kumqeshi ofanelekileyo. Kule meko, kunokuba kunengqondo ukufaka isicelo sesinye sezicwangciso zentlawulo-mali esekelwe kwimbuyekezo, ngokuxhomekeke kwimali yengeniso oyilindele ukuyifumana. Ukukuncedisa ukuba ngaba uhlangabezana neemfuno zokuba ufanelekele le nkqubo, kufuneka uhambise rhoqo ngeSatifikethi seNgqesho kwiFom yeNgxowa-mali yeNkonzo kaRhulumente yokuTyala .
Emva kokuba wenze iintlawulo ezi-120 ezifanelekileyo zenyanga, uya kufuneka uhambise isicelo se-PSLF.
Cinga ngeNgxowa-mali yeMali
Kwixesha leminyaka emine, usenokuba uthathe iindleko zemali ezininzi kubafundi abaninzi. Kungaba nzima ukugcina yonke iifayili kunye neentlawulo. Kungathi kunengqiqo ukudibanisa iimali-mboleko zomfundi zedolophu kumvuzo omnye wenyanga. Kufuneka ufake isicelo sokuQinisa ngqo ngokusetyenziswa kwekhompyutha okanye iphepha. Inkqubo yesicelo ngokupheleleyo ithatha malunga nemizuzu eyi-10. Ungaphinda ufune ukuqwalasela ukubolekwa kwemali-mboleko yemali yabucala kwimali mboleko enye.
Ngaba Unako Ukwenza Intlawulo ngokuzenzekelayo?
Ukuba unayo i-akhawunti yebhanki ongayilungiselela ukwenza iintlawulo ezizenzekelayo, unako ukufumana ilungelo lokunciphisa izinga lentengo kwi-%
Buza umthengi wakho wemali mboleko ukuba olu khetho lukhoyo.