Iimali zeRhafu kunye nokuHanjiswa kweRhafu Ukuncedisa ukuKhutshwa kweeMali zeKholeji
Izwi elidala kukuba uMatshi ufika njengengonyama, kwaye uphuma njengemvana. Ngamanye amaxesha oku kubhekisela kwiinguqulelo zemozulu, kodwa kunyanzelekile ukuhamba kwezinto eziza kunye ne-kholeji yoncedo ngeli xesha lonyaka. Ngokuqhelekileyo kunzima ukugqiba ekuqaleni kwenyanga, kwaye ke ngathi ngathi yonke into ifikelele kwisigxina xa ukhetho lweekholeji lwenziwe kwaye iphakheji yenkxaso-mali yemali iyakwamukelwa.
Ukuba awukwenzi ukugqiba irhafu yakho yentlawulo yombuso, yenye yenye yemisebenzi ekufuneka izaliswe ngokukhawuleza. Xa ugqityiwe, ungabuyela kwiwebhusayithi ye-FAFSA kwaye usebenzise i-IRS Data Retrieval Tool ukuhlaziya isicelo kunye namanani akho akhoyo. Ukuba sele usenomntwana ekholejini, unokufumana ilungelo lokufumana irhafu kwintlawulo yakho yentlawulo yaseburhulumenteni ka-2014 enokuthi unqumle ezinye zeendleko zokuphuma ngaphandle. Unokuba uvumelekile ukuncitshiswa kweerhafu, okunciphisa inani elibhekiselwe kwingeniso, okanye iikhredithi zerhafu, ezinciphisa inani leerhafu ezifunekayo. Ezinye zeenzuzo ezifumaneka ziquka:
- I-American Opportunity Tax Tax : Le ngetyala, eyanciphisa inani leerhafu ezifunekayo. Unako ukufumana ilungelo lokufumana i-credit ukuya kuma-2500 e-umfundi ngamnye ukuze uncede ukucima oko uhlawula kwiminyaka emine yokuqala yemfundo ephakamileyo. Imali iyahluka kuye kuxhomekeke kwingeniso, inani leendleko zemfundo ephezulu kunye nenani labafundi abafanelekileyo kwintsapho. Ukufikelela kwi-40% yekhredithi inokubuyiselwa imali ukuze uvumeleke ukuba ufumane isheke sokubuyiselwa kwembuyekezo nangona ungekho naliphi na irhafu yentlawulo ye-federal.
- I-Lifetime Learning Tax Credit : Ngokungafani nakwi-American Opportunity Tax Tax, le ngxowa yenzelwe ukukhuthaza uluhlu olubanzi lweemfundo. Inokukunceda ukuhlawula iikholeji ze-graduate, iziqu kunye nezifundo ze-degree degree, ezingabandakanya izifundo ezithathwe ukufumana okanye ukuphucula izakhono zomsebenzi. Le ngxowa-mboleko inikeza u-$ 2000 ngentlawulo yerhafu kwaye kufuneka isetyenziswe kuphela emva kokuba ukhathele ezinye iindlela zokuthenga ngetyala. Akukho mda wokuphila, kodwa le ngxowa-mboleko ayibuyiselwa imali, nto leyo ithetha ukuba inani eliphezulu lemali ekhoyo likhawulelwe kwinani lentlawulo ehlawulwe.
- Ukukhutshwa kwentlawulo : Ukuxhomekeka kwi-Income Income Income, oku kuncitshiswa kunokunciphisa imali engenayo ehlawulwayo engenayo imali engama-4,000 kwaye ingaba yinzuzo xa ungafanelanga ukuhlawulwa kweerhafu. Unokubanga le ntsalela nangona ungayithathi imali.
- Ukukhishwa kweNzala yeMali : Ukusekelwe kwingeniso kunye nenani lemali ehlawulwayo, unako ukufumana inqununu ukuya kwi-2500 ye-interest loan yakho, umlingane okanye umntwana. Unokufaka isicelo sokubanjiswa kokuncitshiswa ngaphandle kokuba ube neShedyuli A.
Musa ukuvuthulwa ngokufaka ifayile yakho yentlawulo yombuso. Hlola nomcebisi weerhafu ukuze uqinisekise ukuba uthatha amaxabiso athatywayo kunye namakhredithi. Ukuba wenza imali engaphantsi kwee-53,000 zamawaka ngonyaka, unokufuna uncedo ekulungiseleleni imbuyekezo yakho yerhafu evela kwiNkqubo yoNcedo lweRhafu yeNkonzo yamaVolontiya. Ukuba ukhetha ukugqiba irhafu yakho, ke, unakho ukulungele ukufakela irhafu yakho yentlawulo ye-federal ngaphandle kwerhafu ye-pocket if your income incoming income is $ 60,000 okanye ngaphantsi.