Oku kuthetha ukucinezeleka okukhulu ngokufaka isicelo sokuncedisa ngemali okanye ukukhangela i-scholarship xa umntwana ekulungele ukuya kwikholeji. Utyalo-mali olwenziweyo kule akhawunti luya kukhululeka kwiintlawulo zentlawulo kunye nekarhulumente. Ukongeza, zonke iirhoxiso ezisetyenziselwa iindleko zemfundo ephakamileyo ezifanelekileyo ziyaxolelwa kwiirhafu zerhafu. Amaninzi athi kwakhona akhankanya iirhafu zorhulumente ngokurhoxa kwaye anikeze ezinye izikhuthazo.
Iiprojekthi ezingama-529 zisebenza njani
Izicwangciso zokulondolozwa ezingama-529 zancedisa abafundi ukuba basindise ikholejini ngokuvumela amalungu omndeni nabahlobo ukuba bafake isandla kwiakhawunti yerhafu. Iintlawulo ezivela kwisicwangciso se-529 azihlawulwanga njengeniso kwaye ezinye iindawo zinikezela ukuncitshiswa kwabo batyala. I-Maryland529, i-College Savings Plans yaseMaldan, eyayisetyenziswe ngokuthe ngqo ngurhulumente ngokwalo kunokuba ngabacebisi. Isicwangciso sinikela ezimbini iindlela:
- I-Maryland Prepaid College Trust: Esi sicwangciso sivumela iintsapho ukuba zifake iindleko zeebhasti zexesha elizayo kumaxabiso anamhlanje. Iintlawulo zihlanganiswe kunye nawabanye abanikazi beakhawunti karhulumente kwaye batyalwe imali yokuhlawula iintlawulo zexesha elizayo. I-Trust inika izicwangciso zokufundela ezifikelelekayo neziguquguqukayo kunye nezinketho zokuhlawula, ezixhaswe nguMqinisekiso wesiBethamthetho saseMaldan. Ivulekele kubalingisi be-12 kunye nabancinci, kuquka nabantwana abasana.
- Isicwangciso se-Investment College saseMary: Le khetho ivumela iintsapho ukuba zenze isigqibo sokuba zifuna njani ukugcina. Unokukhetha kwiintlobo zeefowuni zezotyalo ezilawulwa yiT. Rowe Price, ngokusekelwe kwinto enokubaluleka kwebhajethi yakho kunye neenjongo zemfundo. Ixabiso le-Flexible mali liqala ukuya ngaphantsi kwe-$ 25 ngenyanga. Kuvulelekile kubantwana okanye abadala bakuphi na ubudala, kwaye akukho zithwalo zokuthengisa, iikhomishini okanye iintlawulo zokubhalisa.
Ngaba Ndifumana Uncedo lweRhafu?
UMad Maryland unikezela ukuncitshiswa kweerhafu kubahlali ngokufaka isandla kwisicwangciso sokulondoloza ama-529. Umnini webhanki ngamnye okanye umxhasi angadlulisela kwi-2,500 yee-529 ngeminikelo yonyaka ngonyaka ovela kwimali yaseMaldinals kwisicwangciso sokulondoloza. Oku kuthetha i-$ 5,000 kwiingxelo ezimbini, i-$ 7,500 kwiingxelo ezintathu. Iintlawulo ezingaphezu kwe-$ 2,500 nganye nge-akhawunti zinokudityaniswa kwiminyaka ezayo. Ubuninzi obunakho kwisicwangciso sokulondolozwa kwe-529 eMaldinari yi-$ 350,000.
Ngubani onokunikela kwi-Maryland 529?
Nabani na ummi waseMelika okanye ummi wezomthetho angaba negalelo kwisicwangciso sokulondoloza, nje kuphela xa beneminyaka engaphezu kwe-18 ubudala. Ukuba unentsapho ngaphandle kombuso, banokufaka isandla kwisicwangciso, nabo.
Ngaba Umfundi Uya Kuya esikolweni eMaryland?
Abafundi abaphelelanga kwizikolo kuphela eMaryland. Unokusebenzisa isicwangciso sakho sokulondolozwa sama-529 ukuxhasa imali kwiziko lesikolo seminyaka emibili okanye emine, ngelixa livunywe kwaye lifanelekile inkxaso yemali evela kwiSebe leMfundo le-US.
Kuthekani ukuba uMfundi akayi kuya kwiKholeji?
Akukho mingcipheko yobudala kwisicwangciso sokulondoloza, ngoko ke ukuba umfundi ukhetha ukulibazisa isikolo, icebo lokulondoloza liya kuhlala likhona. Oku kuyindlela enhle kubafundi abafuna ukuhamba, bathathe unyaka wegap, okanye baqale imisebenzi yabo ngaphambi kokuya kwiikholeji.
Ukuba umfundi uthatha isigqibo sokuba angaphumelelanga imfundo ephakamileyo, intsapho ingatshintsha umzuzi we-akhawunti kumnye umntu, njengomntakwabo okanye umzala.
Isicwangciso sokugcina imali esingu-529 senzelwe kuphela ukuhlawula iindleko zesikolo ezifana nokufunda, igumbi, kunye nebhodi. Ukuba umfundi akayi kwikholeji kwaye ufuna ukuhoxisa imali kwi-akhawunti, uya kuthotywa kweerhafu kwiimali ezihoxisiweyo kunye nezohlwayo zepesenti ezili-10 zokuthatha imali yeenjongo ezingezo zemfundo.