Kwimfihlo, i-Federal, kunye nezinye iintlobo zemali
Ukuhlanganiswa kunye nokuhlaziywa kwemali
Okokuqala, kunceda ukucacisa umahluko phakathi kokuhlanganiswa kwabafundi kunye nokuhlaziywa kwemboleko.
Ukuhlanganiswa kwenzeka ntoni xa udibanisa iimali-mboleko ezininzi kwi-mboleko enye. Le ngcamango ininzi kwenye indawo : endaweni yokujongana nemali-mboleko eyahlukeneyo, iintlawulo zenyanga, kunye nezitatimenti zentlawulo, unokuyibamba yonke into kunye nokuyiphatha ngentlawulo enye. Ukuba ukhetha, ungabiza ngokuthi "lula" endaweni yokudibanisa.
Ukuxhaswa kwemali xa ubeka imali mboleko (okanye iimboleko ezininzi) kunye nemboleko emitsha ngokupheleleyo, ngokuqinisekileyo umboleko olungcono ngakumbi. Injongo kaninzi ukufumana inzala ephantsi ukwenzela ukuba unciphise iindleko zakho zomdla wokuphila kunye nentlawulo yakho yenyanga. Xa uhlaziywa, unako ukudibanisa ngexesha elifanayo (ngokuhlawula iimali-mboleko ezininzi kunye nomboleko wakho omtsha). Esikhundleni sexesha lokuhlaziya , unokucinga ngale nto ngokuthi "ulungise" ityala lakho ukuze uhlawule ngaphantsi.
Ukuhlanganiswa kwangempela kunengqiqo (kwaye kuyenzeka kuphela) ukuba imali yakho yokubolekwa kwabafundi ivela kwiinkqubo zikaRhulumente.
Unako "ukuhlanganisa" iimali-mboleko zangasese ngokubambisa iimali-mboleko ezininzi kunye , kodwa iinjongo ezinkulu zokuhlanganiswa zigcinwe kwiimali-mboleko zikaRhulumente.
Ukuhlanganiswa kwezikweletu "iinkqubo" kunokubangela ukudideka: iinkqubo iinkonzo ezinikezelwa ngumbutho wee-credit counseling kunye nemibutho efanayo. Ingcamango kukuba i-arhente iya kuxoxisana nababolekisi ukuba benze iintlawulo ezithengekayo.
Wenza kuphela intlawulo, kodwa intlawulo iya kwi-agency , leyo ihlawula imali yakho ephezulu.
Ukuhlanganiswa Kwemali Yesizwe
Xa unemali-mboleko yemfundo emininzi, unokuhlanganisa loo mboleko ngokusebenzisa iMali-mboleko yokuBambisana ngqo. Umyinge wenzala owuhlawulayo, ngokubanzi, awuyi kutshintsha - uza kugqiba ngezinga elilinganisiweyo kwimboleko enokubakho ngokulinganayo nomlinganiselo ofanayo owawuhlawulela kule mboleko. Le nqanaba elilodwa liya kusebenza kuwo onke amatyala adibanisayo, anokuthi ungabandakanyekanga (ukuba mhlawumbi unomboleko omnye ngezinga eliphezulu elimalunga nolunye ubolekisi, kungcono ukuba uhlawule ngokugqithiseleyo kunokuba uyongeze mboleko). Amanani omdla athathwe kule mboleko .
Ukuhlanganiswa kunokukunika ithuba lokutshintsha ishedyuli yakho yokubuyisela. Ngokomzekelo, unokukwazi ukululawula ukuhlawula ngaphezulu kweminyaka engama-25 esikhundleni sexesha elifutshane. Nangona kunjalo, ixesha lokuhlawula ixesha elide lithetha ukuba uza kuhlawula umdla ngaphezu kwempilo yale mboleko, uya kuhlawula umvuzo ongezantsi wenyanga namhlanje ngexabiso leendleko eziphezulu.
Kuthekani ngokudibanisa iimali-mboleko zomfundi kunye nemali mboleko? Unokwenza oko ukuba usebenzisa i-mboleko yangasese (kungekhona ngeNgxowa-mboleko ye-Direct consolidation Loan), kodwa uya kufuna ukuvavanya eso sigqibo ngokucophelela: xa ususa imali mboleko karhulumente kumbolekisi wabucala, ulahlekelwa yizinzuzo zeziboleko zemfundo .
Kweminye, loo mivuzo ayinakunceda, kodwa awunakukwazi oko kuza kwenzeka kwikamva, kwaye iimpawu ezinjenge-deferment kunye ne- refund -based refundment ingangena ngolunye usuku ngalunye.
Ukuhlaziywa ngokutsha kunye nabaPhathi abangasese
Ukuhlanganiswa kwemali-mboleko yecala yangasese kuyona kuphela ukhetho xa uhlaziya ityala lakho. Kwimarike yangasese, ababolekisi bangase bazimisele ukukhuphisana ngemali-mboleko yakho, kwaye unokufumana into enhle ukuba unetyala elifanelekileyo . Ukususela ekubeni amanqaku ekhredithi aguquka ngexesha elide, unokukwazi ukwenza okungcono ngoku ukuba wenze iintlawulo ngexesha leminyaka emininzi .
Ukuhlaziya kwakhona kunokukunceda ukuba lula, kodwa ngokwenene ukugcina imali. Ukuba unako ukufumana inzala engaphantsi (okanye enye inzuzo), uya kuba kwindawo engcono. Kwakhona, kunokwenzeka ukululawula ukuhlawulwa kwakho kwiminyaka ezayo - rhoqo xa uhlaziya, uqala inkqubo yokubuyisela ngaphezulu - kodwa leyo ingakuhlawula ixesha elide.
Ukuze ubone indlela oku kusebenza ngayo, qhelana nokuqeshiswa kwemali mboleko (leyo yinkqubo yokuhlawula iitaliti).
Xa uhlaziywa, uya kuphelisa ngemali mboleko ehleliweyo okanye eguqukileyo. Qinisekisa ukuba uyaqonda ukuba izinga lisebenza njani, kwaye kuya kwenzeka ntoni ukuba iirhafu zentsingiselo zitshintshe - ngaba iintlawulo zakho zenyanga ziza kunyuka ngolunye usuku?
Ezinye Iintlobo Zamatyala
Ngelixa uhlaziywa, unokulingwa ukufaka ezinye iintlobo zeetyala kwi-mboleko yakho entsha (ngokuzenzekelayo, kwikhadi lekhredithi, okanye ngemali mboleko, ngokomzekelo). Nangona bekuza kwenza lula izinto, ngoku ngoku akunakwenziwa ngetyala lomfundi. Nangona kunjalo, kukho ezinye iintlobo zemali-mboleko ezinokuphatha iintlobo ezahlukeneyo zeetyala.
Iimali mboleko zakho zingasetyenziselwa nayiphi na into oyifunayo . Oko kuthetha ukuba ungasebenzisa imali mboleko yakho ukuze uhlaziye ityala lakho lomfundi, ikhadi lekhredithi okanye ezimbini, kunye nemali mboleko yakho. Ngokuqinisekileyo, oku kunengqiqo ukuba uya kugcina imali (kwaye ugweme ukukhwabanisa kwakhona ityala xa ukhulula loo mivuzo yekhredithi ).
Ngaba kufuneka uQinisekise okanye uhlaziye?
Ukuba unemali-mboleko yomfundi , ujonge i-pros and cons in careful-especially if you are tempted to switch to a loan. Ukusetyenziswa kwemali mboleko yokuhlanganiswa komgaqo- ntanethi ayiyingozi kakhulu. Kodwa ukusuka kwimali-mboleko yemali ukuya kwimali-mboleko yabucala akuyona into ongayijika ngayo - uya kulahlekelwa yizinzuzo zale mboleko ye-federal ngonaphakade. Ngokomzekelo, ukuba usebenza kwintlalo karhulumente, unokufumana ithuba lokufumana iimali-mboleko zedolophu emva kweminyaka eyi-10 yengqesho-inhlanhla yokufumana loo nto evela kumboleki-bucala. Imali-mboleko yaseburhulumenteni inokukuvumela ukuba utshintshe (ezantsi) intlawulo yakho yanyanga zonke ngokusekelwe kwimali yakho engenayo , kodwa ababolekisi abazimeleyo bahlala bengaphantsi.
Ukuhlanganiswa kwemali-mboleko yezemali ngokwahlukileyo (usebenzisa imali yokubolekwa kwemali kunye nokuphathwa kwemali-mboleko yangasese ngokuhlukileyo) kukunika lula ukuhlawulwa kwenyanga, kwaye uya kufumana umyinge ochanekileyo ukuze uhlale uyazi ukuba uya kuba yintoni intlawulo yakho.
Ukuba unemali-mboleko yomfundi wangasese , uhlala uthengela ukuthenga ukuzithengisa ukuba unokufumana into engcono. Khangela umyinge ophantsi, inqanaba eliphantsi (okanye akukho) isicelo kunye nemirhumo yokucwangcisa, kunye neminye imiqathango ebonisa ukuba uya kulondoloza imali ngokwenene. Yenza itafile yokulungisa imali ngokukhawuleza nganye mboleko-kuquka imboleko yakho ekhoyo-kwaye uye kunye nenketho esebenza kakuhle kuwe.