He aha ia? Hoʻopili ʻia kahi hoʻolālā uku hoʻihoʻi kālā i kāu uku hōʻaiʻē haumāna federal i kāu kālā. Kōkua ia i ka hōʻoia ʻana e uku ʻia ana ʻoe i kahi kālā i hiki iā ʻoe ke loaʻa. No kekahi poʻe, he $0 ka uku o kēlā me kēia mahina.
No ke aha au e hana ai? He mea nui ke kākau inoa ʻana i kahi hoʻolālā uku hoʻihoʻi kālā inā pilikia ʻoe i ka mālama ʻana i kāu uku hōʻaiʻē haumāna federal. Kōkua nā hoʻolālā iā ʻoe e pale i ka hāʻule ʻana a i ʻole ka hele ʻana i kahi paʻamau. ʻO ka hele ʻana i kahi paʻamau, ʻo ia hoʻi, ʻaʻole ʻoe i uku ma mua o 270 mau lā. Inā hiki kēia, hiki ke hoʻonani ʻia kāu uku me ka ʻole o ke kauoha a ka ʻaha. Hiki iā ʻoe ke nalowale i kāu hoʻihoʻi ʻauhau a i ʻole ka nānā ʻana i ka Social Security. Hiki ke pilikia kāu helu'ai'ē.
E hiki anei iaʻu? Inā loaʻa iā ʻoe kahi hōʻaiʻē haumāna federal, pono paha ʻoe. ʻO kahi ʻokoʻa koʻikoʻi inā loaʻa iā ʻoe nā hōʻaiʻē Parent PLUS (i ia manawa e makemake ʻoe e kamaʻilio me kahi loea no ka ʻōlelo aʻoaʻo pilikino e pili ana i ke kākau inoa ʻana no kahi hoʻolālā uku hoʻihoʻi kālā). ʻO ka hōʻaiʻē Parent PLUS he hōʻaiʻē haumāna i lawe ʻia e kekahi makua e hoʻolilo kālā i kā lākou keiki. Inā loaʻa iā ʻoe nā hōʻaiʻē haumāna pilikino (nā hōʻaiʻē i hāʻawi ʻia e ke kula, kahi panakō, a i ʻole nā hui kālā ʻē aʻe a ʻaʻole i kākoʻo ʻia e ke aupuni pekelala) ʻaʻole ʻoe e ʻae i nā hoʻolālā uku hoʻihoʻi kālā federal. Inā loaʻa iā ʻoe nā hōʻaiʻē pilikino, pono ʻoe e hoʻopili i kāu mea hāʻawi kikoʻī e ʻike inā hāʻawi lākou i nā koho e pili ana i kēlā mau hōʻaiʻē kikoʻī.
Pehea wau e noi ai? Ma lalo o 10 mau minuke, hiki iā ʻoe ke kākau inoa! Loaʻa iā mākou kahi alakaʻi ʻanuʻu i kēlā me kēia i loaʻa maʻaneʻi.
- Nui nā koho no nā hoʻolālā uku hoʻihoʻi kālā, hiki iā ʻoe ke nānā ma aneʻi: https://studentaid.gov/manage-loans/repayment/plans/income-driven.
- Hiki iā ʻoe ke noi no kahi hoʻolālā ma ka pūnaewele ma: https://studentaid.gov/app/ibrInstructions.action. Ke noi ʻoe, hiki iā ʻoe ke nānā i kahi pahu e haʻi i kāu mea lawelawe hōʻaiʻē e koho i ka hoʻolālā me ka uku haʻahaʻa haʻahaʻa o kēlā me kēia mahina. ʻO kāu mea lawelawe hōʻaiʻē ʻo ia ka hui āu e launa pū ai e pili ana i kāu hōʻaiʻē haumāna. ʻO lākou ka hui e hōʻiliʻili i nā uku mai iā ʻoe (nā laʻana e pili ana iā Navient a i ʻole Great Lakes). ʻO kahi ʻē aʻe, hiki iā ʻoe ke hoʻouna i kahi kope kino o ka noi i kāu mea lawelawe hōʻaiʻē.
- Ke kau inoa ʻoe, pono ʻoe e hōʻoia i kāu loaʻa kālā i kēlā me kēia makahiki. Inā makemake ʻoe e hōʻoia hou i kāu loaʻa kālā ma ka pūnaewele, hiki iā ʻoe ke hana pēlā ma ka pūnaewele like ma luna. Inā makemake ʻoe e hōʻoia hou i kāu loaʻa kālā ma ka pepa, a laila pono ʻoe e hana pū me kāu mea lawelawe hōʻaiʻē e hana pēlā.
He aha inā e hoʻohui au i kaʻu mau hōʻaiʻē a i ʻole e hoʻolālā e hoʻohui iā lākou? Inā loaʻa iā ʻoe nā hōʻaiʻē federal, a laila hiki ke hoʻopili ʻia ka hoʻohui ʻana i ke ʻano o ka hoʻolālā IDR āu e ʻae ai. Inā hoʻohui ʻoe i kahi hōʻaiʻē pilikino me kahi hōʻaiʻē federal, e hana ana ʻoe pēlā me kahi mea hāʻawi pilikino a nalowale kou kuleana no kahi hoʻolālā IDR federal.
He aha inā inā he nui koʻu mau nīnau? Inā he mau nīnau kāu e pili ana i ke ʻano o nā hōʻaiʻē āu, pehea e noi ai, a i ʻole ke kumumanaʻo i kūpono iā ʻoe, pono ʻoe e kelepona i kāu mea lawelawe hōʻaiʻē a i ʻole e kelepona i ka Federal Student Aid Ombudsman Group ma ke Keʻena Hoʻonaʻauao ma 1-877-557- 2575. Hiki iā ʻoe ke hoʻopaʻa i kahi hālāwai me kahi kākāʻōlelo ma College Now Greater Cleveland. ʻO kā lākou pūnaewele: https://www.collegenowgc.org/adult-programs-and-services/.
Hoʻohou i Ianuali 7, 2025