Ukuba unenkcitho enzima ukwenza iintlawulo zakho zemali-mboleko yomfundi ungafuna indlela yokulahla imali mboleko yakho. Indlela yodwa yokukrazula iimali-mboleko zomfundi ukuyihlawula. Nangona kunjalo, ababolekisi banokukwazi ukusebenzisana nawe xa unenkcitho enzima yokwenza iintlawulo, ngoko babeya kuba nezinye iintlobo zemboleko. Kubalulekile ukwenza okuthile malunga neengxowa-mali zakho zemfundo ngoku, kunokuba nje uthembele izinto eziza kusebenza. Ukuba inani lentengo kumboleko wakho wezemfundo uya kunyuka , unokuba nexesha elinzima ngakumbi ukulihlawula. Iimali mboleko zakho zabafundi ziyakuthintela kakubi imali yakho kwaye yenza ukuba kunzima ukugcina imali okanye ukuhlawula imali. Unokusebenzisa ezi nyathelo ezisixhenxe ukuhlawula imali yakho ngokukhawuleza . Kufuneka uthathe amanyathelo ngokukhawuleza xa uqaphela ukuba unenkcitho enzima ukuhlawula imali yakho mboleko.
01 Qinisekisa iMboleko Yakho kwiNketho yoTywala ephantsi
02 Faka isicelo sokuhlawulwa kweeNgxowa-mboleko zeMali eziNgenisiweyo
Unokufaka isicelo sokuhlawulwa kwemali-mboleko yemali yokufumana imali, ukuba unayo imali engenayo. Olu khetho luya kuthatha i-akhawunti yakho yobukhulu bentsapho, kunye nengeniso yakho ekufumaniseni imali oyifunayo ukuba uyihlawule inyanga nganye kwiimboleko zakho zabafundi. Oku kuya kukhulula imali ukwenzela ukuba unokubambisa iimfuno zentsapho yakho ngaphandle koxinzelelo lwentlawulo yemboleko yezikolo. Uya kufuneka uphinde ufake isicelo kule nkqubo ngamnye ngonyaka, kuba baya kuqhubeka bavavanya ingeniso yakho kunye nosapho lwakho. Ukongezelela, kuya kufuneka ukuba uhlale ngoku ngokukhoyo kwiintlawulo zemboleko zomfundi ukuba ufaneleke. Ngemva kweminyaka engamashumi amabini anesihlanu kwixesha elihlawulwa ngemali engenayo, unokufumana intsalela yesikolo-mboleko somfundi wakho. Kufuneka udlulisele iimali-mboleko zakho zabafundi kwi-Federal Direct Loan ukuze ufanelekele olu khetho, kodwa kuya kulungela ukufumana ukukhulula kwiimeko zakho zangoku.
03 Beka umvuzo wakho wabafundi kwiSferferment
Unokuyeka okwesikhashana ukwenza iintlawulo kwiimali-mboleko zakho zabafundi ngokuzibeka kwi-deferment. Musa ukuyeka ukuhlawula mboleko. Qhagamshelana nomboleki wakho kwaye uchaze imeko yakho. Umboleki-mali uya kuzalisa isicelo sobunzima bokumiswa. Qhubeka uhlawula ngemboleko yakho uze ufumane isaziso sokuthi ukulungiswa kwemvume kuye kwavunywa. Le yinto yokugqibela yokuthatha ixesha apho ungasenayo umsebenzi okanye ukuba unokukhawuleza kwezemali. Inzala iza kuqhubela phambili xa i-mboleko isasetyenziselweni. Unayo inani elincinci leenyanga uvumelekile ukuba ufake i-mboleko yakho kwi-deferment. Qinisekisa ukuba usebenzisa le ndlela njengento yokugqibela kunye nalapho ungasebenzi okanye kwiimeko zemali ezinzima kakhulu.
04 Kutheni Ungeke Ufezeke?
Iimali mboleko zemfundi aziqhelekanga ekuthatheni. Umthetho we-Federal ufuna ukuba uhlawule imali mboleko yomfundi kungakhathaliseki ukuba yintoni. Okukuphela kwendawo ukuba ngaba uya kukhubazeka ngokusisigxina. Ukuba ucinga ngokucima imali ngenxa yokubolekwa kwemali, kufuneka ukhangele isisombululo esithile, njengomsebenzi owongezelelweyo okanye ukugawula indlela yokuphila ukuze uphumelele. Imali-mboleko yemali yabangasese ayixolelwanga kangangoko. Thatha ixesha ngoku ukudala isicwangciso sokuhlawula ityala kwaye ufumane isisombululo esiza kukuvumela ukuba ukhokhe imali yakho yemali-mboleko ukuze uqale ukugxila kumhlalaphantsi wakho kunye nokwakha isityebi endaweni yokugxininiswa ngetyala lakho.