Unokufumana iRhafu yeMali eNgundoqo
Ukuba imali eyaneleyo igcinwe kule sithuthi, akukho xinzelelo oluncinci kwixesha lokumkelwa malunga nokufaka isicelo sokuncedisa ngemali okanye ukukhangela ukubhalwa kwemali. Utyalo-mali olwenziweyo kule akhawunti luya kukhululeka kwiintlawulo zentlawulo kunye nekarhulumente. Ukongeza, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxolelwa kwiirhafu zerhafu. Amalunga angama-35 athi kwakhona akhankanya irhafu yombuso ngokurhoxa, kunye nokunikela ezinye izikhuthazo.
Ngaphandle kweenzuzo zayo zokulondoloza, izicwangciso ze-529 zibonelela ngeenzuzo ezibalulekileyo zerhafu. Ngezicwangciso zerhafu-deductible, amalungu osapho kunye nabahlobo banokufaka isandla kwingxowa yekholeji yengane, kwaye bafumane inzuzo yentlawulo ngokwenza njalo. Kule minyaka, kunye negalelo eliqhelekileyo kunye nomdla wequmrhu, isicwangciso sinokukhula ngokukhawuleza ukubonelela ngeendleko zemfundo zomntwana.
E-Indiana, abaxhasi banokufumana ityala lentlawulo; Ukuba utyalo-mali, ungafumana i-20% yegalelo lakho, ukuya ku-$ 1,000, njengetyala lentlawulo.
Oku kunokuba luncedo ekunciphiseni into omele uyenze ngayo ngexesha lezorhafu. Abathengi abatsha iitaliti zerhafu kwipropati kufuneka bagcine i-akhawunti ivule ubuncinane ubuncinane omnye unyaka ukukhusela ukuphindwa kwemali yentlawulo kwintlawulo esetyenziselwa ukuhlawula iindleko zemfundo ezifanelekileyo.
I-Indiana inezinketho ezintathu ezitholakalayo kwiCollectionChoice 529 Isicwangciso sokuSondeza ngqo:
- I-CollegeChoice 529 Isicwangciso sokuSondeza ngqo: Esi sicwangciso sinikezelwa ngokuthe ngqo kwilizwe. It inikeza inketho yobudala kunye neenketho ezininzi ze-static. Esi sicwangciso sinemali ephezulu kunomyinge wesizwe, kodwa inembali eqinisekileyo yembuyekezo efanelekileyo.
- Umcebisi weCollectionChoice 529 Isicwangciso sokuSindisa: Esi sicwangciso sithengiswa kuphela ngumcebisi. Kukho iinketho ezisekelwe kwiminyaka yobudala. Ukuba ukhetha ukhetho lwamaxesha, luqala ngokugqithiseleyo, kunye neninzi mali-mali kwisitokisini. Njengoko umntwana eseminyaka kwaye esondela kwikholeji, utyalo-mali lufumana olukhuselekileyo ukukhusela imali eyanikezelwayo. Esi sicwangciso sinemali ephakamileyo kakhulu, kodwa ngentlawulo yemboleko kunye neentlawulo ezibukhali, oku kuseyona nto ikhethekileyo yokukhetha imali.
- I-CollegeChoice CD 529 Isicwangciso sokuSindisa: Izigqibo ezine ezine-insured-insured kwi-IDC: (1) I-CD ye-CollegeSure ene-interest rate variable, i-index ye-college-degree degree, (2) i-CD ye-InvestorSure ene-interest rate pegged Ipesenti yokwanda kwikholeji ye-S & P 500 ngaphezu kwexesha leminyaka emihlanu, (3) ii-CD ezilinganiselweyo kunye neminyaka emithathu ubudala, kunye (4) ne-Akhawunti ye-Honors Savings, i-akhawunti yokugcina imali ephezulu evela IBhanki yoLondolozo lweKholeji, iSahlulo se-NexBank SSB.
Igalelo elincinci lokuqalisa liphantsi kakhulu, i-$ 25 nje. Oku kuvumela iintsapho ukuba ziqalise kunye neemali ezizithobayo. E-Indiana, iiplani ezingama-529 zinokufikelela kwii-298,000 zamaRandi. Nabani na oneminyaka engama-18 ubudala, ongowommi wase-US okanye ummi wezomthetho, unokunikela kwicebo, nangona bahlala ngaphandle kobuso.
I-Indiana ayinayo imingcipheko yobudala, kwaye ayifuni umfundi ukuba abe khona kwiikholeji kwinani elithile leminyaka emva kokugqweswa. Ukuba umntwana wakho uzimisele ukusebenza iminyaka embalwa ngaphambi kokuya esikolweni, icebo le-529 lokulondoloza liya kuhlala kwindawo yakhe yokusetyenziswa. Ukuba umntwana wakho enqwenela ukuba akafuni ukuya kwikholeji nonke, ukugcinwa kungasetyenziswa. Unokutshintsha isicwangciso somxhamli naliphi na ixesha, ngoko unokunika imali kumntakwabo, umlingane okanye umhlobo weendleko zemfundo.
Ukuba uhoxisa imali kwiimfuno zakho, ngaphandle kwemfundo, kunokukho iirhafu ezinkulu zerhafu. Esi sigqibo kufuneka senziwe ngononophelo, njengoko izigwebo kunye neerhafu zingathabatha inqwaba enkulu yokonga kwakho.
Ukuqala isicwangciso sokulondolozwa sase-Indiana 529 kukunika amatshe atyelela kuwe kunye neenjongo zemfundo zomntwana wakho.