Yintoni iNgxowa-mali engabonakaliyo?

Imali-mboleko engekho phantsi: Inkcazo (Imali-mboleko yabafundi)

Mhlawumbi uyazi ukuba kukho ukungafani phakathi kwemali-mboleko yomfundi kunye nabangasese, kodwa ngaba uyazi ukuba kukho iintlobo ezahlukeneyo zemali-mboleko yomfundi? Ngaphambi kokuba uboleke imali usebenzisa nayiphi na uhlobo lomboleko kubalulekile ukuqonda imimiselo yomboleko, kodwa ulwahlulo lunokuba luleke xa lufika kwimali-mboleko yomfundi. Iintlobo ezahlukeneyo zemigangatho kunye nemilinganiselo echaphazelekayo inokuchaphazela inani lemali umfundi wakho uya kufuneka ukuba abuyisele ekugqibeleni, kunye neentlobo zezicwangciso zokuhlawulwa apho bangafanelekela khona.

Isinyathelo sokuqala sokufaneleka kwanoma yiluphi uhlobo loxanduva lwezezimali olugqiba i-FAFSA okanye i-Free Application kwi-Federal Student Aid. I-FAFSA yonyaka wezifundo wezi-2018-19 iza kuthunyelwa kwi-intanethi ukususela ngo-Oktobha 1, 2017. Ekugqityiwe, uya kunikwa ingcamango jikelele malunga neNkxaso Yomndeni, okanye i-EFC. Ulwazi lwakho lwe-FAFs luyakuthunyelwa kwiikholeji zakho ezikhethiweyo, ngamnye owanikezela ngephakheji ye-award aid . Abafundi mabaqale ukubuyela kwizikolo zemfundo kunye nezibonelelo ezingenakubuyiselwa kwaye emva kweemali-mboleko zemfundo ekufuneka zibuyiselwe. Ileta ye-award yebhondi yenkxaso-mali iya kubhala ukufaneleka kwakho kwiintlobo ezithile zemali-mboleko yomfundi. Unokubona amagama afana ne "Direct Lodized Loan" okanye "Iingxowa-mali ezingabikho phantsi."

Imali-mboleko echanekileyo Iingxowa-mboleko zenziwe kubafundi abaphumelele kwi-grade-grade ababonisa iimfuno zemali zokuncedisa iindleko zemfundo ephakamileyo kwikholeji okanye kwisikolo somsebenzi.

Ngenxa yokuba zenzelwe ukunceda abafundi abaneemfuno zezemali, iimali-mboleko ezixhaswa ngemali zinemigangatho engcono kunye neemeko. Iingxowa-mali ezingekho phantsi koMgaqo-mboleko zibolekiswe kubafundi abaphumelele kwisikolo esiphantsi, abagqibeleleyo, nabafundi abaqeqeshiweyo, kodwa kulo mzekelo, umfundi akadingeki ukuba abonise iimfuno zeemali zokufumana umboleko.

KWEENKQUBO, okanye iimali-mboleko zomzali, nazo ziyaxhaswa. Nazi ezinye iindawo oza kucinga ngazo xa uboleka imali usebenzisa imali yokubolekisa abafundi:

• Inzala: ISebe leMfundo le-United States lihlawula umdla kwiNgxowa-mboleko eNgqalileyo ngokukhawuleza xa umfundi efunda esikolweni ubuncinci bexesha lesigxina, kwiinyanga zokuqala ezintandathu emva kokushiya isikolo, kunye nexesha lokumiswa. Abafundi banembopheleleko yokuhlawula umdla kwiNgxowa-mboleko engabonakaliyo ngexesha lonke. Bangakhetha ukuhlawula umdla ngelixa besesikolweni, ngexesha lexesha lobabalo, okanye kwi-deferment, kodwa inzala iya kwandiswa kwaye yongezwe kwisixa-mali esiyintloko. Ingaba umrhumo uncediswa okanye ungancedisi wenza umdahluko omkhulu kwimali efunekayo ekugqibeleni, nangona xa uboleka imali efanayo. Izinga lokuncedisa imali kunye neengxowa-mali zangaphambili ezingenasiswanga ezihlawulwa emva kowe-7/1/16 nangaphambi kwe-7/1/17 zi-3.76%.
• Imali ekhoyo: Kwabafundi abaninzi abaxhomekeke kwi-grade-grade, imingcele yemali-mboleko i-$ 31,000, engekho ngaphezulu kwama-23,000 kwii-mboleko ezixhaswayo. Kwizifundo ezizimeleyo zabafundi be-undergraduate, kunye nabazali babo abangafanelanga iimali-mboleko ze-PLUS, umyinge wemali-mboleko i-$ 57,500, engekho ngaphezulu kwama-23,000 angama-23,000 kwiingxowa-mali ezixhaswayo. Imirhumo yemali yokubolekwa ngemali kunye neengxowa-mboleko ezingahlawulwanga ziboleke ngomhla okanye emva ko-Oktobha 1, 2016, kwaye ngaphambi ko-Oktobha 1, 2017, zi-1.069%.

• Inzala ehlawulelwayo: Inkqubo eyaziwayo yabafundi kunye nabazali bafuna ukuphelisa "ukutshitshiswa kwe-sticker" ye mboleko engaxhaswanga kukuzama ukuhlawula umdla njengoko kufakwa kwiikholeji. Oku kuya kunceda abafundi bangene kumkhwa wokwenza imali yokubolekisa abo bafundi. Abafundi bangaqala ukubona indlela umdla oqokelela ngayo, ukuba iintlawulo zabo zisetyenziswe njani, kwaye yiyiphi iplani yentlawulo ebenokulungela yona emva kokugqiba.

• Ukubuyisela inqununu: Bobabini bemali-mboleko yemali ehlawulwa ngabanikiweyo kunye nabangenasigxina bafanelekile kwizicwangciso ezahlukeneyo zokubuyiselwa kubandakanywa izicwangciso eziqhelekileyo, eziphunyeziweyo, ezongeziweyo kunye neengeniso-mali.

Isikolo sakho siya kukuxelela ukuba wamukelani naziphi na iimali-mboleko zemfundo ezinikezelwayo. Awunako ukuboleka yonke imali ekhoyo, ngoko uboleke kuphela into oyifunayo. Imindeni kufuneka ibambe iingxoxo ezicacileyo malunga nohlahlo lwabiwo-mali, sifunde konke abakwaziyo malunga neengxowa-mali zabafundi ngaphambi kokuboleka, kwaye baqonde indlela ukubuyiselwa kwemali mboleko yabafundi kuya kubachaphazela ngayo ubomi babo bezemali kwixesha elizayo.

Sebenzisa umbala wokubuyisela umboleko wezemali ukuqikelela iintlawulo emva kokugqitywa.

Iimpazamo eziqhelekileyo: iimali-mboleko ezingabhalwanga