Kwenzenjani? Uhlelo lokukhokha oluqhutshwa yimali engenayo luhlanganisa inkokhelo yakho yemali mboleko yomfundi yanyanga zonke kumholo wakho. Kuyasiza ukuqinisekisa ukuthi ukhokhiswa kuphela inani ongakwazi ukulikhokhela. Kwabanye abantu, izinkokhelo zanyanga zonke zingu-$0.
Kungani kufanele ngikwenze? Kubalulekile ukubhalisa ohlelweni lokukhokha oluqhutshwa yimali engenayo uma unenkinga yokuhambisana nezinkokhelo zakho zemalimboleko yabafundi. Izinhlelo zikusiza ukuthi ugweme ukusala ngemuva noma ukuya kokuzenzakalelayo. Ukwenza iphutha ngokuvamile kusho ukuthi awuzange wenze inkokhelo ezinsukwini ezingaphezu kuka-270. Uma lokhu kwenzeka, umholo wakho ungase uhlotshiswe ngaphandle komyalelo wenkantolo. Ungase ulahlekelwe yimbuyiselo yakho yentela noma isheke Lokuvikeleka Komphakathi. Amaphuzu akho esikweletu angase ahlupheke.
Ngiyafaneleka? Uma unemalimboleko yabafundi yenhlangano, kungenzeka uyafaneleka. Okuhlukile kakhulu ukuthi uma unemalimboleko ye-Parent PLUS (lapho uzofuna ukukhuluma nochwepheshe ukuze uthole iseluleko somuntu ngamunye sokuthi ungabhalisela kanjani uhlelo lokubuyisela oluqhutshwa yimali engenayo). I-Parent PLUS loan iyimali ebolekiwe yabafundi ethathwa umzali ukuze axhase ngemfundo yengane yakhe. Uma unemali mboleko yabafundi yangasese (imalimboleko enikezwa isikole, ibhange, noma esinye isikhungo sezezimali futhi ingasekelwa uhulumeni wobumbano) awufaneleki ezinhlelweni zokukhokha eziqhutshwa yi-federal. Uma unemali mboleko yangasese, uzodinga ukuthintana nombolekisi othile ukuze ubone ukuthi banikeza noma yiziphi izinketho mayelana nalezo zimali mboleko ezithile.
Ngifaka kanjani? Ngaphansi kwemizuzu eyi-10, ungabhalisa! Sinomhlahlandlela wesinyathelo ngesinyathelo okungukuthi kuyatholakala lapha.
- Kunezinketho ezimbalwa zezinhlelo zokubuyisela imali engenayo, ongazibuyekeza lapha: https://studentaid.gov/manage-loans/repayment/plans/income-driven.
- Ungafaka isicelo sohlelo ku-inthanethi ku-: https://studentaid.gov/app/ibrInstructions.action. Uma ufaka isicelo, ungamaka ibhokisi elitshela isisebenzi sakho semalimboleko ukuthi sikhethe uhlelo olunenkokhelo ephansi kakhulu yanyanga zonke. Isevisi yakho yemalimboleko yinkampani osebenzisana nayo maqondana nemalimboleko yakho yabafundi. Yinkampani eqoqa izinkokhelo kuwe (izibonelo zifaka i-Navient noma i-Great Lakes). Kungenjalo, ungathumela ikhophi ebonakalayo yesicelo kusevisi yakho yemalimboleko.
- Uma usubhalisile, uzodinga ukuqinisekisa imali engenayo unyaka ngamunye. Uma ufuna ukuqinisekisa kabusha iholo lakho ku-inthanethi, ungakwenza kuwebhusayithi efanayo ngenhla. Uma ufuna ukuphinda uqinisekise iholo lakho ephepheni, uzodinga ukusebenzisana nesisebenzi sakho semalimboleko ukwenza lokho.
Kuthiwani uma ngihlanganisa izikweletu zami noma ngihlela ukuzihlanganisa? Uma unemali mboleko yombuso kuphela, khona-ke ukuhlanganiswa kungaba nomthelela ohlotsheni lohlelo lwe-IDR olufanelekelayo. Uma uhlanganisa imali ebolekiwe yangasese nemali mboleko yombuso, uzobe wenza kanjalo nombolekisi ozimele futhi uzolahlekelwa ukufaneleka kwakho kwezinhlelo ze-IDR zikahulumeni.
Ngenzenjani uma ngineminye imibuzo? Uma unemibuzo mayelana nokuthi hlobo luni lwemali mboleko onayo, usifaka kanjani isicelo, noma yiluphi uhlelo olukulungele, kufanele uxhumane nomsebenzi wakho wemalimboleko noma ushayele iFederal Student Aid Ombudsman Group eMnyangweni Wezemfundo ku-1-877-557- 2575. Ungakwazi futhi ukubhukha i-aphoyintimenti nomeluleki e-College Now Greater Cleveland. Iwebhusayithi yabo ithi: https://www.collegenowgc.org/adult-programs-and-services/.
Kubuyekezwe uJanuwari 7, 2025