Iimali ezixhaswe ngeNkxaso-mali enokuxhaswa
Kwizaziso zonikezelo, ungabona into efana neNgxowa-mboleko eNgqalileyo, iNgxowa-mali engekho phantsi, okanye i-PLUS Loan. Ezi ziintlobo ezahlukeneyo zemali-mboleko yomfundi . Kubalulekile ukuba uqonde ukungafani phakathi kwabo, njengoko banokuchaphazela inani lemali oya kufuneka uyibuyisele phantsi kwendlela.
Imali-mboleko echanekileyo kunye ne-non-subsidized is a loan loan student for learners eligible and designed to help cover the cost of education in a year-year college or university, college or community. Kwimali-mboleko encedisiweyo ngqo, urhulumente wephondo uhlawula umdla ngelixa umfundi ekholejini okanye ngelixa umbolekiso ukhonjiswe. Olu hlobo luhluke kakhulu kunemali-mboleko engabhalwanga, apho umdlalo uqala ukunyuka ngokukhawuleza xa umboleko owenziwe. Nangona unako ukuyeka ukuhlawula lo mdla de kube emva kokugqitywa kwezifundo, usenomthwalo wokuhlawula yonke imali enomdla eyakhayo xa usesikolweni.
Ndingaba nexesha elide Ndiyafaneleka kwiNgxowa-mboleko ephantsi?
Iingxowa-mboleko ezixhaswe ngokukhawuleza zifumaneka ngokubanzi kubafundi besikolo esiphantsi kwabafundi abaneemfuno ezinkulu zemali. Isikolo sakho sinquma imali enokuyiboleka ngokusekelwe kwingcaciso enikeziwe kwi-FAFSA yakho. Imali ekhoyo ayikwazi ukudlulisa isidingo sakho semali.
Ukuba ungumboleki wokuqala okanye emva koJulayi 1, 2013, kukho umda kwinqanaba eliphezulu lemfundo ukuba ungayifumana iMali-mboleko eSebenzisiweyo. Umgaqo oqhelekileyo kukuba unako ukufumana iimali-mboleko zenkxaso-mboleko malunga ne-150% yobude obunikwe isikolo sakho esikolweni. Kubizwa ngokuba ngu "ixesha elifanelekileyo lokufaneleka."
Ngokomzekelo, ukuba uphishekela i-bachelor degree kwiprogram yeminyaka emine, kodwa utshintshe yakho enkulu kwaye ufuna ixesha elingakumbi ngaphambi kokuba uphumelele, unokufumana iimboleko zenkxaso-mali eneminyaka emithandathu kuphela yesikolo. Ukuba ungena kunyaka wesixhenxe, awuyi kufumana inkxaso-mboleko engaphezulu. Emva kwaloo nto, urhulumente uyayeka ukuhlawula umdla kwimali-mboleko ngenkathi uhlala esikolweni.
Ndingayinceda Kangakanani Ngomvuzo?
Ikholeji yakho iya kugqiba iindidi zemali-mboleko oyifanelekileyo ukufumana ngexesha lonyaka wesikolo. Iphakheji yakho yemali-mboleko isekelwe ukuba ngaba ungumfundi oxhomekeke kuye okanye ozimeleyo, yintoni unyaka olapho, kunye nolunye uncedo lwezemali olufunyenweyo. Ubuninzi obukhoyo bunokutshintsha unyaka ngamnye.
Ndingayifumana njani iNgxowa-mali eyimali?
Iyunivesiti yakho izokuthumela ulwazi malunga nendlela yokwamkela inani lemboleko kunye nephakheji yakho yezemali. Mhlawumbi uya kufuneka ugcwalise i-Master Promissory Note (MPN) echaza imigqaliselo yemboleko kunye nokuhlawulwa kwemali kwaye kufuneka ufumane ukungeniswa kweengcebiso ukuqinisekisa ukuba uyayiqonda imbopheleleko yakho xa ukhupha imali.
Xa umboleko ulungele ukuhlawulelwa, isikolo siza kuqala sithathe iimali eziyimfuneko yakho yesikolo, iifizi kunye negumbi kunye nebhodi. Ukuba kukho imali eyishiywe kuyo, iya kubuyiselwa kuwe ngezidingo zakho zemfundo, njengokuthenga iincwadi okanye ezinye iindleko.
Kuthekani ukuba Andiyidingi Imali endiyinike yona?
Ukuba imali yakho yemali mboleko ingaphezulu kunokuba uyifunayo, unokukukhansela konke okanye inxalenye yayo ngokufikelela kwiofisi yakho yoncedo lwezezimali. Qinisekisa ukuba ubuyekeze inqaku lakho lokunyusa, njengoko kuninzi ixesha elide kunye neefom ozakufuneka uzisayine ukuze ukhansele nayiphi na indawo yemboleko.
Iintlawulo zakho zemboleko ziza kuqala emva kokugqweswa, okanye xa uyeka ukuba ngumfundi wexesha elipheleleyo. Bhowula kuphela into oyifunayo, kwaye ucwangcise ngokucophelela phambili, ngoko iintlawulo zakho zenyanga azikho ngaphezu kwengeniso yakho yesikhathi esizayo.