Iziphumo zeNtlawulo engekho-mali okanye i-Default Can Be Heavy
Ukwahlula phakathi kweeNgxowa-mali zaBasemagunyeni kunye nabaSebenzi
La manani abhekisela kubafundi (kunye nabazali) ababoleke imali ngemali-mboleko yezemfundo ezivela kwi-federal government kwimfundo yekholeji. Kukho nemali ehlawulwayo kumaziko abucala, ahlawulwa njengemali-mboleko yemali yabucala. Ezi mboleko ziqokelelwa ngendlela ehluke ngokupheleleyo kwaye zinokuba neendlela ezimbalwa zokufumana.
Ukuhlanganiswa kunye neNkqubo yoRhumo iyafumaneka
Ukuba unengxaki yokwenza iintlawulo kwiimali-mboleko zomfundi wakho, qaphela ukuba zinokudibaniswa kunye nemboleko enye ukwenza lula ukuhlawulwa. Kukho nenani leenjongo zokufumana iintlawulo ezisekelwe kwiingeniso ezifumanekayo ezingabanika ababoleki ithuba lokubuyisela imali mboleko ngaphandle kokudala umthwalo omkhulu wemali.
Ukwahlukana phakathi koMntu ongapheliyo kunye noNxweme
Umboleko uhlambalaza ngosuku lokuqala emva kokuhlawulwa kwentlawulo. Kukho amanqanaba amaninzi olwaphulo-mthetho, njengeentsuku ezingama-30 ezidlulileyo ngenxa, iintsuku ezingama-60 ezidlulileyo, kunye neentsuku eziyi-90 ezidlulileyo ngenxa.
Ngalinye nqanaba lifumana ubuncinane. Ingena emva kokudala ixesha elide, eliphakathi kweenyanga ezithoba kunye neyeshumi elinesibini, kuxhomekeke kwintlobo ethile yemboleko. Ulwaphulo-mthetho lunokushiya ababoleki ngeendlela ezininzi zokubuyisela, kodwa ukusilela kukukhawulela uluhlu lweempendulo ekusebenzeni ezinzima kunzima ukujamelana nazo njengomboleki.
Iziphumo zokuQala eziPhezulu
Xa imboleko ithatyathwa ukuba ayikho phantsi , imiphumo ingaba nzima kakhulu. Ngokomzekelo, yonke ibhalansi engakhokhelwa kunye nentlalontle ivela ngokukhawuleza kwaye ihlawulwe. Abbolekayo balahlekelwa nayiphi na imvume ekufuneka babe nayo yokumiswa, ukunyamezela kunye nezinye izicwangciso zokubuyisela. Abayi kuba nelungelo lokufumana uncedo lwabafundi bexesha elizayo, kwaye i-akhawunti yokubolekisa iya kuguqulwa kwi-ejensi yokuqokelela ukwenzela ukuba kuthatyathwe amanyathelo.
Iziphumo zexesha elide zeDefault
Abaninzi abbolekayo abaqapheli ukuba akukho mqathango wokunciphisa ukuqokelelwa kwetyala lomboleko wesikolo. Nangona urhulumente angaxolela iimali-mboleko zabafundi kwiimeko ezithile, oku akusebenzi kwimali-mboleko engenziwanga. Le ngcaciso iza kuvela kwingxelo yekhredithi echaphazela ukukwazi ukuboleka imali okanye ukufumana umsebenzi. Urhulumente unokunqanda imali yokubuyisela irhafu yengxowa-mali, ukuhlawula umvuzo okanye ukulahla iintlawulo zeNtlalo-ntle ukuhlawula ityala. Oku kunokuchaphazela nokukwazi ukuvuselela ilayisenisi yokuqhuba okanye ilayisenisi yobungcali, kwaye kuthintela umboleki ukuba angene kwiiQumrhu eziPhezulu.
Inani liqhubeka likhula
Nangona ixabiso lokuqala elifanelekile lilawulwe, ixabiso likhula njengoko ixesha lidlulayo.
Kukho iindleko zentengo ezongezelelweyo, iimali ezisekupheleni, iimali zeengqwelo zegosa kunye neendleko zeenkundla, iimali zokuqokelela kunye nezinye iindleko ezihambelana nenkqubo yokuqokelela enokukongezwa kwimali efunekayo.
Iyakwazi ukunyaniseka
Umboleki angahlawuliswa aze athathwe enkundleni ngenxa yokungahlawulwanga. Xa umboleko ongenakuhlawulwa uqala ukuhamba kwinkqubo yenkundla, ijaji inokukhupha imiyalelo ethile. Nangona umntu obolekayo angabanjwa kuphela ngenxa yokungahlawulwanga kwemali-mboleko, imvume yokubanjwa ingakhishwa ukuba ezi zilandelwayo. Kukho iirhafu ezongezelelweyo, nangona kunjalo, ukuba kuqinisekiswe ukuba ubuqhetseba babandakanyeka kwisicelo sokuqala semboleko okanye ulwazi olungamanga lubonelelwe kwi-FAFSA.
Ichaphazela abanye abantu
Nabani na ababhalisene nabo kwimali-mboleko yasekuqaleni bangaphinda bahlawulelwe ukuhlawula. Ukwenza kube nzima ukuba umfundi oyimfuneko athenge izinto ezongezelelweyo, kwaye unokuchaphazela abantwana bobolekayo xa bezama ukuthatha imali-mboleko yabafundi ukuhlawula imfundo yabo.