Indlela iimali-mboleko zabasebenzi ezisebenza ngayo ukususela ekuqaleni ukuya ekupheleni
Kwabaninzi, iimali-mboleko zabafundi zihlobo "lwetyala elihle" - utyalo-mali kwixesha elizayo ukuba kwakungeke kwenzeke.
Kwaye ihlala ihlawulela: abasebenzi abanegreyiti yekholeji bafumana imali engama-20,000 engaphezulu kweemfundo eziphakamileyo zemfundo ngamnye ngonyaka.
Sebenzisa kuModareyitha
Ngaphambi kokungena kwiinkcukacha, cinga ngomfanekiso omkhulu kwaye ucinge ngenye ingcebiso ongenakukwazi ukuva kaninzi: zama ukunciphisa ukuboleka kwakho . Okwangoku, kunzima ukucinga ukuba ubomi bufana njani neentlawulo zemboleko zabafundi, kwaye ezo mboleko ziyintloko kwixesha elizayo. Kodwa ityala lesikhwama somfundi nalo mthwalo omkhulu onokuhlala kunye nawe ubomi. Ukunciphisa umthwalo:
- Faka isicelo segranti kunye neengxowa-mali zokunciphisa inani olibolekayo. Nokuba izibonelelo ezincinci zinceda.
- Sebenze ixesha lokuhlawula ezinye iindleko zemfundo. Unokufumana amava obomi obuxabisekileyo abaontanga bakho abaninzi abayi kufikelela emva kokugqitywa kwezifundo, kwaye unokuqala ukulawula ubomi bakho ngendlela ofunayo.
- Ukuphonononga izikolo ezibiza ngaphantsi kunye nemfundo yombuso. Emva kokugqitywa kwezifundo, luya kuba lukhulu kangakanani na ukuya esikolweni (kuxhomekeke kwintsimi yakho)?
- Sika iindleko apho unokukwazi khona. Iincwadi ezisetyenzisiweyo, ukuzonwabisa okungabizi, kunye nokutya okuzenzelayo kunokuhamba ngendlela ende apha.
Njalo xa ufumana imali ngemali yemboleko yomfundi, khumbula ukuba kuya kufuneka uhlawule yonke loo mali ( kunye nomdla ) ngexesha elizayo.
Iingxowa zemivuzo zabafundi zisebenza njani
Iimboleko zemali zizodwa ngenxa yokuba zenzelwe ukuxhasa ngemali imfundo ephakamileyo.
Yintoni eyenza bahluke?
Iindleko ezingaphantsi: iimali-mboleko zabafundi zihlala zihlawula iindleko eziphantsi kunezinye iintlobo zemali-mboleko onokukwazi ukuyifumana. Ziyabonwa njengemali-mboleko ephantsi, kunye nemigaqo-nkqubo kaRhulumente igcina iindleko ezincinci kwimali-mboleko ethile. Iirhafu zenzalo zihlala zizinzile , ngoko akufanele ukhathazeke ngeenguqu ezinzulu kwiindleko zakho zentshisekelo, kwaye inzala ingahlawulwa (okanye iyahlawulwa nguRhulumente).
Ukuvunyelwa ngokukhawuleza: abaninzi abafundi abanakho imisebenzi ephezulu yokuhlawula okanye amanqaku aphezulu ematyala . Oko kuthetha ukuba kunzima ukuboleka ngaphandle kokuba usebenzise imali mboleko yomfundi. Njengemali-mboleko yakho yokuqala, le mboleko izakukunceda ukuba wenze i- credit (esinye isizathu sokuba kubalulekile ukuboleka ngokuhlakanipha - ufuna ukuqala kwinqanaba elilungileyo). Ezinye iingxowa-mali zabafundi ziyafumaneka ngaphandle kokukhangela ngetyala, ngelixa abanye badinga ubuncinane bentengo yemboleko.
Izinzuzo ngexesha lokuhlawula : ukuhlawulwa yinto ebaluleke kakhulu kunoma yimuphi umbolekiso, kodwa iimali-mboleko zemfundo zinokubonelela ngeempawu ezithile ezinokubakholeka ezenza kube lula. Imali ngeenkqubo zorhulumente zilungileyo, kodwa abanye ababolekisi abazimeleyo bazimisele ukunceda ngokunjalo. Ngeemali-mboleko, akudingeki uqale ukwenza iintlawulo uze ungaphumi esikolweni, kwaye kwezinye iimeko, iindleko zakho zenzalo ziza kuhlawulwa ngelixa ubhaliswe ukuze ibhalansi yakho yemali mboleko inganyuswanga.
Ukuba unamava okungafuneki, unako ukuyeka ukwenza iintlawulo uze ufumane umsebenzi (owaziwa ngokuba ngumsebenzi wokungasebenzi ). Inzala ohlawula ngayo kwimali-mboleko yakho inokuthi ihlawulwe irhafu (tshekisha kunye ne-preparer yakho yentlawulo). Ekugqibeleni, usenokufumana ukubolekwa kwemali mboleko okanye ukukhanselwa emva kweminyaka eyi-10 yentlawulo, kuxhomekeke kumsebenzi wakho.
Imali Yomgaqo-mali kunye neZimali eziPhakamileyo zabafundi
Unako ukuboleka kuyo nayiphi na umboleki oyifunayo. Nangona kunjalo, iimali-mboleko ezinikezwa ngeenkqubo zikaRhulumente ziqhelekileyo ukubheja, kwaye kufuneka usebenzise ezo mboleko kuqala. Imali-mboleko kaRhulumente (okanye "iMali-mboleko yoMgaqo-mali") iyakwazi ukubonelela ngezibonelelo ezichazwe ngasentla. Funda kabanzi malunga neenzuzo zeNgxowa-mboleko ze-Federal Student.
Emva kokuba uboleke yonke into ongayisebenzisa ngayo imali-mboleko karhulumente, unokuya kubabolekisi babucala ukuba usadinga ngaphezulu.
Aba babolekisi ngokuqhelekileyo banobhanki, imibutho yamatyala kunye nababolekisi be-intanethi . Basenokungathengisa iimali-mboleko njenge "mboleko yezikolo," okanye banokunikela ngemali-mboleko efanelekileyo ongayisebenzisa kuyo nayiphi na into oyifunayo.
Ukuze ufumane imvume yesikweleti sabangasese, uya kufuna i-credit and good income ukuze uhlawule umboleko. Abafundi abaninzi abanakho, ngoko umzali (okanye omnye umntu onomvuzo oncomekayo kunye nekhredithi) uhlala esetyenziselwa ukuboleka imali okanye uboleke umbolekisi nomfundi-okwenza abantu babini 100% banembopheleleko yokubuyiselwa kwemboleko.
Qinisekisa ukufunda izivumelwano zakho zemali mboleko ngokucokisekileyo, kwaye ufumane ukuba unayo imboleko yemali eguquguqukayo .
Indlela yokufumana iNgxowa-mali yabafundi
Ukuqala ukuboleka, tyelela iofisi yakho yoncedo lwezezimali ukuqala ukufumana ulwazi. Fumana ukuba yeyiphi iindidi zoncedo ezifumanekayo, kubandakanywa izibonelelo kunye neengxowa-mali. Isinyathelo sakho esilandelayo kukuzalisa ifom yeF FAFSA, eqokelela ulwazi malunga nemali yakho (urhulumente kunye nokusetyenziswa kwesikolo sakho ngolwazi ukucacisa "imfuno" yakho yoncedo lwezemali). Gcwalisa i-FAFSA yakho ngokukhawuleza kunyaka ngamnye wekhalenda. Yenza okusemandleni akho xa uzalisekisa - ungabuyela emva kwaye ulungele nayiphi na ingqiqo kamva konyaka.
Cela isicelo ngoncedo lwakho lwee-ofisi zezemali, kwaye ulinde iziphumo. Ukuba uvunyiwe, unako ukugqiba isigqibo sokuthatha yonke into okanye inxalenye yoncedo olukhoyo, kwaye mhlawumbi kufuneka ugcwalise iseshoni yokucebisa ngokusisiseko ukuze ufundiswe ngendlela obolekisa ngayo imali.
Ukuba ufumana iimali-mboleko zangasese, uzakufuna ukufumana umboleki kunye nokuzalisa isicelo sokubolekisa ngelo mboleko.
Iintlobo zeMali-mboleko yabafundi
Njengoko uhamba nenkqubo yesicelo, uya kufuna ukujwayelana neentlobo eziqhelekileyo zemali-mboleko etholakalayo ngurhulumente wase-US.
Imali mboleko yakwaPerkins kufuneka ibe yinto yokuqala yokukhetha. Ziquka umlinganiselo ophantsi, onomdla kunye kwaye ziyafumaneka kubbolekayo ngaphandle kwekhredithi. Nangona kunjalo, iimali-mboleko ezixhomekeke kwimfuno, oku kuthetha ukuba ayifumaneki kubo bonke abantu, kwaye banako ukunikezelwa.
Iingxowa-mboleko ze-Stafford nazo zilula ukufaneleka, kwaye zibonelela ngemali engaphezulu kweeNgxowa-mboleko zePerkins. Ukongezelela, iindleko zenzalo zingancediswa, kwaye ziyafumaneka kubafundi abagqibeleleyo kunye nabangaphantsi.
INGXELO yemali mboleko ifana nemali-mboleko ephantsi. Bafuna ukuhlaziywa ngetyala, kwaye ukuhlawulwa kwemali kuqala ngokukhawuleza emva kokuhlawulelwa. INGXELO yemali-mboleko yezicathulo ziya kubazali, ezivumela ukuba bahlawule iindleko ezinkulu kubantwana babo. Kwiminyaka yakutshanje, ezi mboleko zifumene i-press edibeneyo njengoko abazali banokuchitha ixesha lokuphila behlawula imali engaphezulu. Funda kabanzi malunga ne-PLUS mboleko.
Ukubolekwa kwemali mboleko mboleko mboleko edibanisa iimali-mboleko zabathengi abaninzi kumboleko omnye. Isiphumo sihlawulwa ngokulula (enye inkokhelo endaweni ezininzi), kwaye kunokukho ezinye iintlawulo. Ukuhlanganiswa kusebenza ngokungafaniyo kwiimali-mboleko zedolophu kunye nabangasese. Funda ukungafani phambi kokuba uthathe isigqibo sokuhlanganisa okanye ukudibanisa iimboleko zemali kunye nemali mboleko yangasese.
Ulwazi loboleka
Ukuba uya kuboleka esikolweni-okanye nayiphi na ixesha ebomini bakho-kubalulekile ukuqonda izihloko ezisisiseko zemali. Ufumana imfundo kwindawo yakho yokufunda, kwaye ufunda nokubaluleka kwezakhono zobomi.