Ukusebenzisa iMali-mboleko yabafundi ukuhlawula iikholeji kubandakanye izimpendulo ezilula kunye nezixhobo ezinzima
Abafundi besikolo esiphakamileyo bahlala bejonga kwizikolo ze-Ivy League okanye kwiiyunivesithi ezinkulu-magama kwaye bacinga ukuba, "Kungenxa yam." Kuyinto enomdla ukuba neenjongo eziphakamileyo, kodwa inyaniso ingahle ibe lula. Izikolo ezigama-magama zihlala zihamba ngeendikiti ezinkulu.
Abanye abafundi banokufumana iphakheji enkulu yemali ejongene neendleko zabo zemfundo ngenxa yezemfundo, ezemidlalo okanye zobugcisa. Abanye abafundi banokuba nabazali abanako ukufumana iikholeji, okanye ngubani osindise imali ngokusebenzisa iplani ye-savings-benefit ye-529.
Kodwa kuba abaninzi abafundi abaya kwiikholeji baquka ukuboleka imali ngemali- mboleko yabafundi . Nangona iimali-mboleko zinika ithuba lokuncedisa ukufikelela kwiinjongo zesikhashana, ukuthatha inkokhelo enkulu kunokuba nemiphumo emibi yezemali kwixesha elide.
Ungayibhalela Imali Kangakanani Imali Yomfundi?
Khumbula ukuba kukho iintlobo ezimbini zemali-mboleko yomfundi-i-federal kunye yangasese. Kungcono ukwandisa inani lemali ebolekwe ngemali-mboleko yomfundi wokuqala ngaphambi kokujikela kubani-mboleko babucala. Amanqanaba okubolekisa ngemali mboleko yomfundi ngoku:
- Abafundi besikolo sokugqibela bangababoleka ukuya kwii-5 500 zamaRandi ngeminyaka kwi-Perkins Imali-mboleko kuxhomekeke kwimfuno zezemali, isixa seminye imfuno efunyenweyo, kunye nokufumaneka kweemali kwiikholeji ezikhethiweyo okanye esikolweni. Iifowuni zePerkins Imali-mboleko iyancinci, ke fayile i-FAFSA ngokukhawuleza. Abafundi be-Undergraduate bangabaleka phakathi kwe-$ 5,500 kunye ne-$ 12,500 ngonyaka kwiiNgxowa-mali ezixhaswe ngokukhawuleza okanye kwiNgxowa-mali engahlawulwanga ngokuthe ngqo kwiimeko ezithile.
- Abafundi abaphumelele kwizikolo bangababoleka ukuya kwii-8,000 zamawaka ngonyaka kwi-Perkins Imali-mali ngokuxhomekeka kwimfuno zezemali, isixa seminye imithombo efumanekayo kunye nokufumaneka kweemali kwiikholeji ezikhethiweyo okanye esikolweni. Abafundi abaphumelele kwizikolo bafumana i-$ 20,500 ngonyaka ngamnye kwiiNgxowa-mali ezingenakulungiswa phantsi. Abafundi abaphumelele kwizikolo bavumelekile ukuboleka intsalela yeendleko zabo kwiikholeji kwi-Direct PLUS Imali-mboleko, ngokuxhomekeke ekugqityweni okwanelisayo kwekhredithi.
- Abazali abaxhomekeke kwi-undergraduate abafundi bangabaleka imali ngemali ye-PLUS Imali-mboleko yokugubungela iindleko zekholeji ezingabhekwanga ngenye inkxaso yezemali, kwakhona ngokuxhaswa ngokugqibeleleyo kwe-credit check.
Kukho iinkokhelo zobomi kwimali engayifumana ngemali-mboleko yomfundi. Ukuba inani elibolekileyo lihlawulise iindleko zokuya kwiikholeji ethile, abafundi nabazali banokujika emakethe yemboleko yemali yabangasese ngemali eyongezelelweyo. Qhubeka ukhumbule, nangona kunjalo, ukuba ababolekisi abazimeleyo baneemilinganiselo ezahlukeneyo kunye nemigaqo yokuhlawula enokuchaphazela ukuthengwa kwemali kwexesha elide.
Ingakanani Imali Okufanele Uyibole Ngeengxowa-mali Zabafundi?
Le nto idla ngokuba ngumbuzo wobuqu ukuphendula, kwaye enye inokuqwalaselwa ngenyameko yentsapho nganye. Zama ukuxuba imvakalelo yokufuna ukuya kwikholeji ethile kunye nenyaniso yokukwazi ukuhlawula. Gcina le miba engqondweni xa ugqiba imali enokuboleka ngayo ngemali mboleko yomfundi:
- Unokuboleka bunani? Fumana ukuba kuthatha ixesha elide ukuthatha abafundi abaninzi ukuba bafumane i-degree ye-grade-grade ukusuka kwikholeji ekuqwalaselwa ngayo, kwaye ke ukuba ngaba umfundi wakho ufuna isidanga esiphumelele ekungeneni umsebenzi othile. Oku kufuneka kukunike ingcamango engalunganga malunga nokuba uya kufuna ntoni ukubolekeka kwiminyaka emine ukuya kweyishumi, okanye ngaphezulu, ukuba inokuthatha ukugqiba imfundo.
- Uza kufuneka uhlawule ngaphi? Urhulumente wombuso unika umlinganisi wokuhlawula umvuzo oza kukunika ingcamango enhle yeentlawulo zenyanga eziya kufunwa emva kokugqiba.
- Ngubani oza kwenza iintlawulo? Abanye abazali bayonwabile ukuthatha imali mboleko yabafundi, kanti abanye bafuna abafundi babo ukuba bathathe uxanduva. Thelekisa iintlawulo ezilinganisiweyo malunga nomvuzo ojongweyo nabani na ohlawula iimboleko.
- Ngaba ixabiso? Ukuba iintlawulo eziqikelelwayo ziza kubangela ingxaki yezemali, intsapho kufuneka iqwalasele iinketho zayo. Umfundi angafuna ukuya kwikholeji yasekuqaleni okanye enye ikholeji ngokupheleleyo, intsapho inokutsala kunye ukuze ifumane imali eyongezelelweyo, okanye umfundi unokunyusa ukukhangela i-scholarships ukufumana inkxaso eyongezelelweyo.