Aia kēia ʻatikala i ka ʻike waiwai a piha e pili ana i nā hōʻaiʻē haumāna, kala ʻana i ka hōʻaiʻē haumāna, a me nā ʻano ʻano hōʻaiʻē i loaʻa i nā haumāna. Eia kekahi, e kūkākūkā ʻia nā kikoʻī hou aku e pili ana i ke kala ʻana i ka hōʻaiʻē ʻoihana aupuni a me nā hōʻaiʻē no nā kumu a me nā kahu hānai.
ʻO ka hoʻonaʻauao ke kumu o ka nohona o kēia mau lā a loaʻa iā ia ma ke kumu kūʻai kiʻekiʻe. He ʻokoʻa loa ke kūlana kālā o nā haumāna ma ke kula kiʻekiʻe a ʻoi aku ka makemake o kekahi e loaʻa i ka hoʻokō hoʻonaʻauao maikaʻi loa.
ʻO ka lawe ʻana i nā hōʻaiʻē ua waiho i nā haumāna he nui i ka aie nui.
Eia nō naʻe, ua kokoke nā miliona o nā haumāna ʻAmelika e hoʻopau i kā lākou hōʻaiʻē i ka hoʻokele Biden. Hoʻolālā ka Biden-Harris Administration e hāʻawi i nā kōkua hōʻaiʻē i ʻoi aku ma mua o 30 miliona ʻAmelika e like me kahi ʻōlelo i hoʻokuʻu ʻia e ʻO ka Hale Aliʻi.
Wahi a kekahi ʻatikala paʻi ʻia e CNN, e hoʻohana ana ke alakaʻi ʻo Biden i nā polokalamu kala ʻana i ka hōʻaiʻē haumāna no ka hoʻopau ʻana i kahi pōʻai ʻē aʻe o ka hōʻaiʻē haumāna. E hoʻolilo ka hoʻokele Biden ma kahi o $ 7.4 biliona e hoʻopau i ka hōʻaiʻē haumāna no nā mea ʻaiʻē 277,000.
ʻO ka hōʻaiʻē haumāna maikaʻi loa he hōʻaiʻē i hoʻopuka ʻia e ka federal i hoʻopili ʻia me ka uku uku paʻa a haʻahaʻa paha. Eia kekahi, hāʻawi ʻia nā hōʻaiʻē haumāna pilikino e nā mea hōʻaiʻē pilikino e pili ana i nā panakō, nā ʻoihana hōʻaiʻē mokuʻāina, nā hōʻaiʻē uniona, a me nā ʻoihana kālā ʻē aʻe.
He aha ka hōʻaiʻē haumāna?
ʻO nā hōʻaiʻē i hāʻawi ʻia i nā haumāna he kōkua kālā e kōkua i nā haumāna e hele i ke kulanui. Hoʻonohonoho ʻia kahi hōʻaiʻē haumāna e kōkua i nā haumāna e uku no nā uku koʻikoʻi a me nā mea i ke kulanui. Hiki ke mālama ʻia nā haʻawina, nā lako, nā puke, a me nā lilo ola o nā haumāna me kēia hōʻaiʻē.
Wahi a Ke Kulanui o New Hampshire, ʻo ka hōʻaiʻē haumāna he kālā hiki i nā haumāna ke hōʻaiʻē mai ka Keʻena ʻOihana Hoʻonaʻauao o US a i ʻole he hui pilikino. ʻO ka manaʻo o ka lawe ʻana i kēia hōʻaiʻē e uku no ke kulanui a e uku i ka hui nāna i hāʻawi i ka hōʻaiʻē me ka ukupanee.
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Loaʻa nā ʻano hōʻaiʻē haumāna
I kēia manawa, hāʻawi ʻia nā hōʻaiʻē haumāna ma ʻAmelika e nā mea hāʻawi kālā nui ʻelua ʻO nā loans o nā haumāna loiloi a me nā hōʻaiʻē haumāna pilikino.
Hāʻawi ʻia nā hōʻaiʻē haumāna Federal e ke aupuni o ka US ʻoiai hōʻaiʻē haumāna ponoʻī e hāʻawi ʻia e nā ʻoihana hōʻaiʻē mokuʻāina, nā panakō, nā uniona hōʻaiʻē, a me nā ʻoihana kālā ʻē aʻe.
ʻO nā hōʻaiʻē federal
Ua hoʻokō ke aupuni US i ka Federal Student Loans e kōkua kālā i nā haumāna ma o ke kulanui. Manaʻo nui ʻia e hoʻohana i nā hōʻaiʻē federal no ka mea ua hoʻopili ʻia me nā pono hou aʻe a ʻoi aku ka liʻiliʻi ma mua o nā hōʻaiʻē pilikino.
Aia kekahi mau mea e noʻonoʻo ai ka haumāna i ka wā e noi ai i kahi hōʻaiʻē.
Aia ma lalo iho nā pōmaikaʻi i pili i kahi hōʻaiʻē federal.
- Hoʻopaʻa ʻia nā hōʻaiʻē Federal a he haʻahaʻa ko lākou uku uku
- Loaʻa i kahi hōʻaiʻē me ka ʻole cosignatory
- ʻO kahi hiki ke kala ʻia ka hōʻaiʻē haumāna: pili kēia i ka hana ʻana i kekahi ʻoihana e like me ke aʻo ʻana a i ʻole ka lawelawe aupuni e uku i ka hōʻaiʻē.
- Nā papa hoʻopaʻa uku maʻalahi, e like me hoʻopaneʻe uku a hoʻihoʻi kālāt
- He papa hana uku e hoʻomaka ana i ʻeono mahina ma hope o ka puka ʻana o kahi haumāna mai ke kula
ʻO nā ʻano hōʻaiʻē haumāna federal ʻehā no ke kulanui
Ka hōʻaiʻē ʻauhau kālā
Hiki i nā haumāna kula haʻahaʻa me nā pono kālā ke hoʻohana i ka ʻO nā hōʻaiʻē Stafford i loaʻa iā lākou. ʻO nā hōʻaiʻē Stafford i hāʻawi ʻia e hiki ai i nā haumāna ke uku ʻole i ka uku paneʻe no kekahi kālā i ʻaiʻē ʻia.
ʻAiʻē pololei ʻole i kākau inoa ʻia
Loaʻa nā haumāna laepua a puka ʻO nā hōʻaiʻē Stafford i hāʻawi ʻole ʻia i hāʻawi ʻia iā lākou me ka nānā ʻole i kā lākou pono kālā. ʻOkoʻa loa ka hōʻaiʻē Unsubsidized Stafford i hoʻohālikelike ʻia me nā hōʻaiʻē kōkua.
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ʻO ka hōʻaiʻē Federal Direct PLUS
Hiki i nā mākua o nā haumāna lae pua ke hilinaʻi a me nā haumāna puka puka Nā hōʻaiʻē Grad PLUS a me nā mākua PLUS. Hoʻomaka ka hōʻaiʻē hōʻaiʻē i ka wā i hoʻokuʻu ʻia ai ka hōʻaiʻē no ka mea ʻaʻole i kākoʻo ʻia nā hōʻaiʻē PLUS.
ʻO ka hōʻaiʻē Federal Direct Consolidation
Me nā hōʻaiʻē Consolidation, hiki iā ʻoe ke hoʻohui i nā hōʻaiʻē haumāna federal i hoʻokahi hōʻaiʻē, a hauʻoli mau i nā pono o nā hōʻaiʻē federal.
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Nā hōʻaiʻē pilikino
ʻO kēia nā hōʻaiʻē i hāʻawi ʻia e kahi mea hāʻawi pilikino e pili ana i nā panakō, nā uniona hōʻaiʻē, nā keʻena hōʻaiʻē mokuʻāina, a i ʻole nā hui kālā ʻē aʻe. Hoʻopili pinepine ʻia nā hōʻaiʻē pilikino me ka uku pānaʻi paʻa a i ʻole ka loli.
Nā haumāna i manaʻo e kūʻai koi ʻia kahi hōʻaiʻē pilikino e loaʻa kahi cosignatory a ʻaʻole i kākoʻo ʻia ka ukupanee.
He aha ka kala kala kālā a nā haumāna?
Hoʻopau ke kala ʻana i ka hōʻaiʻē haumāna i ka ʻaiʻē o haumāna e hoʻihoʻi i kahi hapa o kā lākou hōʻaiʻē a i ʻole nā hōʻaiʻē haumāna federal a lākou i ʻaiʻē ai. ʻO ka hapa nui o nā haumāna ma nā kulanui a me nā kulanui i lawe i nā hōʻaiʻē e hoʻolilo i ko lākou noho ʻana i ke kula.
Hāʻawi ka hōʻaiʻē i nā haumāna e uku no ke kula, nā lako, nā puke, a me nā mea pono ʻē aʻe.
He paʻakikī paha ka uku ʻana i kēia mau hōʻaiʻē i kekahi manawa a ʻo ka hapa nui o nā haumāna i ka nui o ka aie. He ala ʻokoʻa ia no nā haumāna e uku ai i nā hōʻaiʻē i hōʻiliʻili ʻia a loaʻa ia no kekahi mau ʻano hōʻaiʻē.
Hiki i nā haumāna ʻaiʻē ke hana ma kekahi ʻoihana lehulehu e hiki ke lilo i ʻoihana hoʻonaʻauao a i ʻole ʻoihana koa.
Pehea ka hana ʻana o ka ʻaiʻē haumāna
Loaʻa ke kala ʻana i ka hōʻaiʻē haumāna no ka hoʻopau ʻana a i ʻole ka lawe ʻana i nā ʻāpana o ka ʻaiʻē a ka haumāna. Hoʻopili ka kala kala ʻana i kekahi haumāna a pili ka kala ʻana i ka hōʻaiʻē haumāna i nā hōʻaiʻē i hoʻopuka ʻia e ke aupuni a i kākoʻo ʻia e ke aupuni a ʻo lākou ka 92% o nā hōʻaiʻē haumāna āpau ma US.
Eia nō naʻe, ʻaʻole pili ka kala ʻana i nā hōʻaiʻē pilikino i hoʻopuka ʻia e nā panakō, nā hui ʻaiʻē, nā keʻena hōʻaiʻē mokuʻāina, a me nā mea ʻē aʻe.
Inā makemake ʻoe e kala ʻia kāu mau hōʻaiʻē, pono ʻoe e noi a hoʻomau i ka uku ʻana a hiki i ka ʻae ʻia ʻana o kāu noi.
Nā ʻano o ke kala kala kālā
kala kala ʻaiʻē lawelawe aupuni (PSLP)
Loaʻa ka Polokalamu Hoʻonaʻauao Hoʻonaʻauao Aupuni i ka poʻe e hana ana i nā hana lawelawe aupuni no nā hui ʻoihana ʻole a i ʻole ke aupuni. Hiki ke kala ʻia kahi hapa o kāu hōʻaiʻē inā hāʻawi ʻoe i nā hana manawaleʻa e like me ka ʻoihana koa a i ʻole ka hana lapaʻau.
Aia kekahi mau koi e hoʻokō ai ma mua o ka kala ʻia ʻana o kāu aie ma lalo o ka papahana lawelawe aupuni.
- Ua kauoha ʻia ʻoe e hana i nā uku kūpono 120.
- E uku ʻia nā uku ʻoiai ʻoe e hana nei ma ke ʻano he limahana no kahi limahana kūpono i hiki ke lilo i federal, moku'āina, aupuni kūloko, a i ʻole hui waiwai ʻole i loaʻa kūlana hoʻokuʻu ʻauhau.
ʻO William D. Ford Federal Direct Loan Program ʻo ia kahi hōʻaiʻē pololei i hana ʻia e ke aupuni Pekelala o ʻAmelika hiki ke kala ʻia i ka hōʻaiʻē haumāna. ʻAʻole i hoʻokomo ʻia nā hōʻaiʻē i hāʻawi ʻia e nā mea hāʻawi pilikino i manaʻo ʻia he mau hōʻaiʻē nonfederal i kēia papahana.
Ma kahi kūlana i loaʻa ʻole ai iā ʻoe ka hōʻaiʻē pololei ʻo William D. Ford, a loaʻa iā ʻoe kahi hōʻaiʻē ma o ka Polokalamu Loan Perkins, hiki iā ʻoe ke hoʻohui i kēlā mau ʻaiʻē e puka mai ma ke ʻano he hōʻaiʻē hoʻohui pololei.
He 2021 Revamp no PSLF
E like me nā lula kalahala ʻana i nā lawelawe aupuni, ʻo ka uku i hana ʻia ma ka hōʻaiʻē hui e helu ʻia i ka liʻiliʻi o ka uku 120. Ua noʻonoʻo ʻia nā uku mua i hana ʻia ma nā hōʻaiʻē mua a pono ʻoe e komo i loko o kekahi o nā papa hoʻihoʻi kālā ʻehā a ke aupuni.
Ua hoʻolaha ka 'Oihana Hoʻonaʻauao o ʻAmelika i ʻOkakopa 2021, e wehe i nā mea paʻa o ka papahana a hiki i ʻOkakopa 2022.
I loko o kēia manawa, loaʻa paha i nā mea hōʻaiʻē ka hōʻaiʻē no nā uku mua i hana ʻia ma nā hōʻaiʻē, a i ʻole, ʻaʻole lākou e ʻae ʻia no ka Public Service Loan Forgiveness a hiki i ka hōʻailona uku 12.
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ʻO ka loaʻa ʻana o ka loaʻa kālā he kala
Hāʻawi ke aupuni federal US i ʻehā mau hoʻolālā uku hoʻihoʻi kālā nui a hiki iā lākou ke hoʻopaʻa i kāu uku hōʻaiʻē ma kahi pākēneka o kāu loaʻa kālā o kēlā me kēia mahina.
Inā ua kākau inoa ʻoe i kekahi o kēia mau hoʻolālā, ʻo nā mea i koe o kāu koena hōʻaiʻē e hiki ke kala ʻia ma hope o ka manawa o 20 a 25 mau makahiki ma muli o ke kumumanaʻo.
ʻO ka poʻe e pōmaikaʻi ana i kēia mau hoʻolālā he poʻe me nā koena hōʻaiʻē nui. Wahi a ka National Consumer Law Center, he 32 wale nō ka poʻe i loaʻa ka hanohano i ke kala ʻana i ka hōʻaiʻē ma o ke kala ʻana i ka loaʻa kālā.
Pehea e noi ai no ka kala kala ʻana i ka lawelawe aupuni (PSLF)
No ke noi maikaʻi ʻana no ke kala kala ʻana i ka lawelawe aupuni, pono ʻoe e hoʻopiha i kahi palapala hōʻoia hana i kēlā me kēia makahiki a hana pū i nā stubs uku, nā palapala W-2, a i ʻole nā palapala noi ʻē aʻe.
Eia nō naʻe, inā loaʻa ʻoe i nā koi no ka uku, hiki iā ʻoe ke hoʻouna pololei i kahi palapala kala ʻana i ka Public Service Loan Forgiveness i ke Keʻena Hoʻonaʻauao. Ke ʻae ʻia, kala ʻia ke koena o kāu koena hōʻaiʻē.
ʻOiai ʻaʻole maopopo ka Polokalamu Hoʻomākaʻi ʻAiʻAi Aupuni a hiki i ka waiho ʻia ʻana o kahi hoʻolālā e US Pelekikena Joe Biden a i ʻole Congress.
Aia ka hiki ke puunaue i na uku mahina. No ka laʻana, ʻo ka poʻe i loaʻa ma lalo o $25,000 i ka makahiki a me nā kāne i loaʻa ma lalo o $50,000 ʻaʻole lākou e hoʻolilo i kahi dime i kā lākou hōʻaiʻē a hiki i ka piʻi ʻana o kā lākou loaʻa kālā.
Papahana Kalaia Kumu
Ua hoʻomaka ʻia ka Polokalamu Kalahala Kumu no ka hoʻoikaika ʻana i nā kumu e hana ma nā kula haʻahaʻa, kula kiʻekiʻe, a me nā keʻena lawelawe hoʻonaʻauao e lawelawe pono ana i nā ʻohana haʻahaʻa.
I kēlā me kēia makahiki, paʻi ʻia ka papa inoa o nā kula haʻahaʻa haʻahaʻa a me ke kula kiʻekiʻe e ka US Department of Education.
Eia naʻe, inā makemake ke kumu e kala ʻia kahi hōʻaiʻē, pono lākou e aʻo manawa piha no ʻelima mau makahiki pololei ma ke kula kūpono. Ke pau ke kaʻina hana, ʻae ʻia ke kumu e loaʻa $5,000 a hiki i $17,500 kala ʻia nā hōʻaiʻē.
ʻO nā ʻano o nā hōʻaiʻē i kūpono ke hāʻawi pololei ʻia a me nā hōʻaiʻē ʻole i hāʻawi ʻia. I kēia manawa, aia a hiki i 13 mau mokuʻāina ʻAmelika e hāʻawi i ke kala ʻana i nā kumu me nā koi like ʻole.
Hiki ke hoʻohana ʻia ka Polokalamu Kala ʻai Kumu ma hope o ka pau ʻana o ka palapala noi kala ʻaiʻē kumu a me ka waiho ʻana i kahi lawelawe hōʻaiʻē.
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ʻAi kalaʻi no nā kahu hānai
Ma ke kahua lapaʻau, nā kahu hānai laikini i hoʻopaʻa ʻia, nā lālā o nā kumu kahu hānai, a me nā kauka kahu, ʻo ka poʻe e hana ana ma nā wahi me nā hemahema koʻikoʻi hiki ke kūpono a loaʻa i ka 85% o kā lākou mau hōʻaiʻē i kala ʻia ma lalo o kahi papahana i kapa ʻia ʻo NURSE Corp Loan Repayment Program.
Hiki i nā moho kūpono ke hana no 2 mau makahiki ma kahi i mālama ʻole ʻia a loaʻa iā 60% o kā lākou hōʻaiʻē haumāna i kala ʻia. Hiki ke kala ʻia kahi 25% o ka hōʻaiʻē no 3 mau makahiki o ka hana. I kēia manawa, hāʻawi nā mokuʻāina ʻo 33 US i ke kōkua uku hōʻaiʻē a hiki iā ʻoe ke hele i ka pūnaewele mana no ka Loan Forgiveness for Nurses e nānā inā aia kou mokuʻāina i waena o nā mokuʻāina ʻo 33 US.
Hoʻohana kala ʻole no nā kauka
ʻO ka poʻe me nā ʻoihana i loko o ka ʻōnaehana olakino e like me nā kauka, nā lāʻau lapaʻau, a me nā kauka niho me nā limahana mālama olakino ʻē aʻe e hāʻawi ʻia i nā koho he nui e loaʻa ai ke kala ʻaiʻē.
ʻO ka nui i kala ʻia a me nā koi ʻokoʻa, a pili kēia i ka papahana i komo.
Panina
ʻO ka hele ʻana i nā kula kiʻekiʻe a me nā kulanui hiki ke kiʻekiʻe loa, no laila he mea koʻikoʻi ka pono o ke kōkua kālā.
Me nā hōʻaiʻē haumāna federal a pilikino, hiki i nā haumāna i nā koleke ke lawe i nā hōʻaiʻē e kōkua iā lākou e hele i ke kula. Hiki ke mālama ʻia nā haʻawina, nā lako puke, a me nā mea pono ʻē aʻe me kēia mau hōʻaiʻē.
Manaʻo:
- Pehea e hana ai nā Scholarships? Pono ʻoe e ʻike
- Pehea e loaʻa ai nā haʻawina no ke aʻo ʻana i nā ʻāina ʻē
- Ka papa inoa o nā uku ho'ēmi a me nā kuʻikahi haumāna | Ke alakai hope loa
- 11 E aʻo i nā haʻawina hoʻonaʻauao ma waho no nā haumāna honua
- Ua helu ʻia nā Scholarships ma ke ʻano he loaʻa kālā?
E hoʻomaopopo '
- Ke Kulanui o New Hampshire: He aha ka hōʻaiʻē haumāna a pehea e hana ai?
- Wakinekona (CNN): E kala aku ʻo Biden i $7.4 biliona hou aʻe i ka hōʻaiʻē haumāna no 277,000 mau ʻaiʻē
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