Yintoni? Isicwangciso sentlawulo esiqhutywa ngumvuzo sibophelela intlawulo yakho yenyanga yemali mboleko yomfundi kumvuzo wakho. Inceda ukuqinisekisa ukuba uhlawuliswa kuphela isixa onokuthi ukwazi ukusifikelela. Kwabanye abantu, iintlawulo zenyanga yi-0 yeedola.
Kutheni kufuneka ndiyenze? Kubalulekile ukuba ubhalise kwisicwangciso sembuyekezo eqhutywa yingeniso ukuba unengxaki yokuhlangabezana neentlawulo zemali-mboleko yomfundi. Izicwangciso zikunceda ukuba uphephe ukuwela ngasemva okanye ukusilela. Ukungahlawulisi ngokubanzi kuthetha ukuba awuyenzanga intlawulo ngaphezulu kweentsuku ezingama-270. Ukuba oku kuyenzeka, umvuzo wakho unokuhonjiswa ngaphandle komyalelo wenkundla. Ungaphulukana nembuyekezo yakho yerhafu okanye kwitshekhi yoKhuseleko lweNtlalo. Amanqaku akho ekhredithi angachaphazeleka.
Ngaba ndivumelekile? Ukuba unemali mboleko yomfundi we-federal, kusenokwenzeka ukuba ufanelekile. Enye into ebalulekileyo kukuba unemali-mboleko yoMzali PLUS (apho uya kufuna ukuthetha nengcali ngengcebiso yomntu ngamnye malunga nendlela yokubhalisa kwisicwangciso sembuyiselo eqhutywa yingeniso). Imali-mboleko yoMzali PLUS yimali-mboleko yomfundi ethathwa ngumzali ukuxhasa imfundo yomntwana wabo. Ukuba unemali-mboleko yabafundi yabucala (imali-mboleko enikezelwa sisikolo, yibhanki, okanye lelinye iziko lezemali kwaye engaxhaswanga ngurhulumente womanyano) awufanelekanga kwizicwangciso zembuyekezo eqhutywa yingeniso yomanyano. Ukuba unemali-mboleko yabucala, kuya kufuneka uqhagamshelane nombolekisi wakho othile ukubona ukuba babonelela naziphi na iindlela malunga nezo mboleko zikhethekileyo.
Ndingayisebenzisa njani? Ngaphantsi kwemizuzu eyi-10, ungabhalisa! Sinesikhokelo senyathelo ngenyathelo esi ezikhoyo apha.
- Kukho iindlela ezininzi zokhetho lwezicwangciso zembuyekezo eziqhutywa yingeniso, onokuzijonga apha: https://studentaid.gov/manage-loans/repayment/plans/income-driven.
- Ungafaka isicelo sesicwangciso kwi-intanethi apha: https://studentaid.gov/app/ibrInstructions.action. Xa ufaka isicelo, ungajonga ibhokisi exelela umboneleli-nkonzo wemali-mboleko ukuba akhethe isicwangciso ngeyona ntlawulo iphantsi yenyanga. Umnikezeli wemali-mboleko yinkampani onxibelelana nayo malunga nemali-mboleko yakho yabafundi. Bayinkampani eqokelela iintlawulo kuwe (imizekelo ibandakanya iNavient okanye iGreat Lakes). Kungenjalo, ungathumela ikopi ebonakalayo yesicelo kumncedisi wakho wemali-mboleko.
- Nje ukuba ubhalisile, kuya kufuneka uqinisekise umvuzo wakho ngonyaka. Ukuba ufuna ukuphinda uqinisekise umvuzo wakho kwi-intanethi, ungakwenza oko kwiwebhusayithi efanayo ngasentla. Ukuba ufuna ukuphinda uqinisekise umvuzo wakho ephepheni, kuya kufuneka usebenze nomntu oboleka imali ukwenza oko.
Kuthekani ukuba ndidibanise iimali-mboleko zam okanye ndiceba ukuzihlanganisa? Ukuba unemali mboleko yomanyano kuphela, ke udibaniso lunokuba nefuthe kuhlobo lwesicwangciso se-IDR esifanelekileyo. Ukuba udibanisa imali mboleko yabucala kunye nemali mboleko yomanyano, uya kuba wenza njalo kunye nombolekisi wabucala kwaye uya kuphulukana nokukufanelekela kwakho kwizicwangciso ze-IDR zomanyano.
Kuthekani ukuba ndinemibuzo engakumbi? Ukuba unemibuzo malunga nokuba loluphi uhlobo lwemali mboleko onayo, indlela yokufaka isicelo, okanye sesiphi isicwangciso esikulungeleyo, kuya kufuneka uqhagamshelane nomnikezeli wemali-mboleko okanye utsalele umnxeba kwi-Federal Student Aid Ombudsman Group kwiSebe leMfundo ku-1-877-557- 2575. Unokubhukisha idinga kunye nomcebisi kwiKholeji ngoku eGreater Cleveland. Iwebhusayithi yabo yile: https://www.collegenowgc.org/adult-programs-and-services/.
Ukuhlaziywa ngoJanuwari 7, 2025