Ubume benkcazo yeerhafu ezihlukeneyo, ukuncithwa kunye nokukhuthazwa kolondolozo kwiikholeji
Izicwangciso zokulondoloza iKholeji , ezibizwa ngokuba yiCandelo 529 izicwangciso, i-akhawunti yokulondolozwa kwentela. Ngokufanayo ne-IRAs kunye nezinye izicwangciso zokulondoloza, izicwangciso ezingama-529 zivumela abantu ukuba bagcine iindleko zekholeji ngokuxhasa imali ekhethekileyo ye-akhawunti. Iingeniso eziphambili: umvuzo kunye nokukhula kotyalo-mali ngaphakathi kwe-akhawunti iqokelela ngaphandle kokuhlawulwa irhafu, kwaye ukurhoxiswa kwiiplani ezingama-529 zithengi irhafu ngelixa zisetyenziselwa iindleko zemfundo ephakamileyo.
Ukuba iimali zingasetyenziselwa iindleko ezihlobene nemfundo, imali ehambisa iza kuxhomekeka kwerhafu kunye ne-10% yokukhwabanisa. Izicwangciso zokulondoloza iikholeji zixhaswa nguorhulumente karhulumente, nangona ukhululekile ukutyalo-mali ngokusebenzisa nayiphi na icebo le-529 likarhulumente. Ezinye iindawo zikhuthaza abantu ukuba batyale isicwangciso sabo.
- Ubume ngokubanzi kwiiplani ezingama-529 zeeKholeji
- Amazwe anikezela izibonelelo zentela kwiiplani ezingama-529
- 529 IziCwangciso zoThutho zoNyaka
Ukuhlaziya iikholeji kwikholeji inokufezekiswa ngokufundiswa kunye neerhafu zokuncitshiswa kweerhafu . Le ntsalelo ithathwa ngqo kwi-tax return yakho ngaphandle kokufuna ukuyenza. Abafundi abayidingi ukubhaliswa kwexesha okanye ixesha elizeleyo, ngoko ke ukuthabatha ikhosi enye kunokukufumana ilungelo lokuncitshiswa. Ukuncitshiswa kwaphelelwa yisikhathi ekupheleni konyaka we-2014.
Kukho iirhafu ezimbini zeerhafu zemfundo ephakamileyo. Ikhredithi yeMelika yaseMelika inikezela ngetyala lokubuyisela ityala eliya ku-$ 2,500 kwi-undergraduate education.
I-American Opportunity Credit ihlelwe ukuba iphele ekupheleni konyaka we-2017. I- Lifetime Learning Credit inikezela ngetyala lokufikelela kwi-$ 2,000 kwiyiphi na inqanaba lemfundo yeekholeji (nakwinqanaba lesikolo), kwaye alufunanga ubuncinane bezinga lokubhalisa. Nangona kunjalo, i-Lifetime Learning Credit inomlinganiselo omncinci wenkcitho othelekiswa nokuqhathaniswa nokufundiswa.
Ukunciphisa inzala kwimali-mboleko yomfundi. Ngokuqhelekileyo abafundi bafumana imali-mboleko yokuhlawula iindleko zekholeji. Inzala kwimali-mboleko yabafundi inokudityaniswa ukuya kuma-2 500 $ ngonyaka. Qaphela ukuba lo kutsalwa kuthathelwa ngokukhawuleza njengoko inzuzo yakho iphakamisa. Ukutsalwa kwemali mboleko yomfundi kuthathwa ngokuthe ngqo kwintlawulo yakho yentlawulo kwaye akudingeki ukuba ulandelwe.
Akukho nciphiso yerhafu enxulumene nemfundo okanye i-credit evunyelwe ngabahlawuli berhafu abatshatileyo kodwa abafakela ngokwahlukileyo . Iifowuni ezihlukileyo azifaneleki kwiNkxaso yeMelika yaseMelika, i-Lifetime Learning Credit, isikolo kunye nokuhlawulwa kwemirhumo, okanye ukutsalwa kwemali mboleko.