Ndi chiyani? Dongosolo lobweza ndalama loyendetsedwa ndi ndalama limagwirizanitsa malipiro anu a mwezi ndi mwezi a federal wophunzira ndi ndalama zomwe mumapeza. Zimathandizira kuwonetsetsa kuti mukungolipidwa ndalama zomwe mungathe. Kwa anthu ena, malipiro apamwezi ndi $0.
Chifukwa chiyani ndiyenera kutero? Ndikofunikira kulembetsa dongosolo lobweza ndalama loyendetsedwa ndi ndalama ngati mukuvutikira kusunga ndalama zomwe mumalipira ngongole za ophunzira. Mapulani amakuthandizani kuti musagwere m'mbuyo kapena kukhala osakhazikika. Kusalipira nthawi zambiri kumatanthauza kuti simunapereke malipiro m'masiku opitilira 270. Izi zikachitika, malipiro anu akhoza kukongoletsedwa popanda chilolezo cha khoti. Mutha kutaya ndalama zanu zobweza msonkho kapena cheke cha Social Security. Ngongole yanu imatha kuwonongeka.
Ndili woyenera? Ngati muli ndi ngongole ya ophunzira ku federal, ndiye kuti ndinu oyenera. Chosiyana chachikulu ndi chakuti muli ndi ngongole za Parent PLUS (pamenepo mungafune kulankhula ndi katswiri kuti akupatseni upangiri payekhapayekha momwe mungalembetsere dongosolo lobweza ndalama loyendetsedwa ndi ndalama). Ngongole ya Makolo PLUS ndi ngongole ya ophunzira yomwe kholo limatengera kuti lithandizire maphunziro a mwana wawo. Ngati muli ndi ngongole zapayekha za ophunzira (ngongole zoperekedwa ndi sukulu, banki, kapena mabungwe ena azachuma komanso osathandizidwa ndi boma) simuli oyenera kubweza ndalama zoyendetsedwa ndi boma. Ngati muli ndi ngongole zachinsinsi, muyenera kulumikizana ndi wobwereketsa wanu kuti muwone ngati akupereka njira zilizonse zangongolezo.
Ndikugwiritsa ntchito bwanji? Pasanathe mphindi 10, mutha kulembetsa! Tili ndi kalozera wa tsatane-tsatane alipo pano.
- Pali zosankha zingapo zamapulani obweza omwe amayendetsedwa ndi ndalama, zomwe mutha kuwonanso apa: https://studentaid.gov/manage-loans/repayment/plans/income-driven.
- Mutha kulembetsa mapulani pa intaneti pa: https://studentaid.gov/app/ibrInstructions.action. Mukalembetsa, mutha kuyang'ana bokosi lomwe limauza wobwereketsa wanu kuti asankhe mapulani omwe ali ndi malipiro otsika kwambiri pamwezi. Wobwereketsa wanu ndi kampani yomwe mumalumikizana nayo pankhani ya ngongole za ophunzira anu. Ndi kampani yomwe imasonkhanitsa ndalamazo kuchokera kwa inu (zitsanzo zikuphatikizapo Navient kapena Great Lakes). Kapenanso, mutha kutumiza kopi ya pulogalamuyo kwa wothandizira ngongole.
- Mukalembetsa, muyenera kutsimikizira ndalama zomwe mumapeza chaka chilichonse. Ngati mukufuna kutsimikiziranso zomwe mumapeza pa intaneti, mutha kutero patsamba lomweli pamwambapa. Ngati mukufuna kutsimikiziranso ndalama zanu pamapepala, ndiye kuti muyenera kugwira ntchito ndi wothandizira ngongole kuti muchite zimenezo.
Bwanji ngati ndiphatikiza ngongole zanga kapena kukonzekera kuziphatikiza? Ngati muli ndi ngongole za federal zokha, ndiye kuti kuphatikiza kungakhudze mtundu wa mapulani a IDR omwe mukuyenera kulandira. Mukaphatikiza ngongole yapayekha ndi ngongole ya federal, mungakhale mukuchita izi ndi wobwereketsa wachinsinsi ndipo mutaya mwayi wanu wopeza mapulani a federal IDR.
Kodi ndingatani ngati ndili ndi mafunso ambiri? Ngati muli ndi mafunso okhudza ngongole zomwe muli nazo, momwe mungagwiritsire ntchito, kapena ndondomeko yoyenera kwa inu, muyenera kulankhulana ndi wothandizira ngongole kapena kuyimbira Federal Student Aid Ombudsman Group ku Dipatimenti Yophunzitsa pa 1-877-557- 2575. Muthanso kusungitsa nthawi yokumana ndi mlangizi ku College Now Greater Cleveland. Webusaiti yawo ndi: https://www.collegenowgc.org/adult-programs-and-services/.
Idasinthidwa pa Januware 7, 2025