Kodi maphunziro amawerengedwa ngati ndalama; ndizokhomedwa msonkho, kapena zopanda msonkho? Nkhaniyi ikuthandizani kuti muyanjanitse chisokonezo chaching'onochi pamaphunziro osiyanasiyana osiyanasiyana, ndikumvetsetsa ngati ndi misonkho kapena ayi.
Nthawi zambiri, ophunzira amaphunzira ku koleji, kuyunivesite, kapena zina bungwe lodziwika bwino la maphunziro angapewe kulipira misonkho pagawo landalama zawo zamaphunziro. Nthawi zambiri, simuyenera kulipira misonkho pa ndalama zamaphunziro zomwe zidzagwiritsidwe ntchito kulipira ndalama zoyambira maphunziro anu. IRS imatcha izi "ndalama zophunzitsira kapena zolipirira".
Izi zikutanthauza kuti simuyenera kuwerengera izi maphunziro ngati ndalama kapena perekani msonkho pa iwo ngati maphunziro anu amagwiritsidwa ntchito kupeza maphunziro kapena zida zapadera zomwe maphunziro anu amaphunzira
Momwe Mungapezere Maphunziro Opanda Misonkho Ndipo Osawerengera Monga Ndalama.
Maphunziro omwe sali okhoma msonkho ndipo samawerengedwa ngati ndalama angapezeke paliponse. Kaya maphunziro ndi okhometsa msonkho kapena ayi zimatengera kwambiri kuti ndinu wophunzira wamtundu wanji komanso komwe mukufuna kugwiritsa ntchito ndalamazo. Koma choyamba, muyenera kudziwa momwe mungayang'anire maphunziro onse musanadziwe ngati maphunziro anu alibe msonkho kapena ayi.
Kuti muyambe kufufuza kwanu kwa maphunziro, pitani ku Khalani Odziwa Gulu, kuphatikiza injini zofufuzira zamaphunziro ena, muwona mndandanda wamaphunziro omwe mungalembetse. Izi ziyenera kukhala maphunziro omwe mwawona komanso omwe mukuyenera kukhala nawo.
Kupatula pa injini zosakira zamaphunziro, mutha kufunsa mlangizi wanu kapena oyang'anira azachuma aku koleji za mwayi wamaphunziro. Mudzalandira zambiri zamkati zamaphunziro opanda msonkho kuchokera kumabungwe ndi mabungwe am'deralo.
Komanso Werengani: Kodi Scholarship imagwira ntchito bwanji?
Momwe Mungadziwire ngati maphunziro anga samawerengedwa ngati ndalama komanso opanda msonkho
Pali njira zodziwira ngati maphunziro ali opanda msonkho kapena ayi musanalembe. Choyamba, pali malamulo anthawi zonse amaphunziro opanda msonkho kapena zinthu zamaphunziro zomwe sizilipiridwa ndi maphunziro.
Nthawi zambiri, maphunziro aulere amakhala opanda msonkho ngati ndinu wophunzira wanthawi zonse kapena wanthawi yochepa pa digiri yochokera ku yunivesite yodziwika. Amawonedwanso opanda msonkho ngati amalipiritsa ndalama zamaphunziro, mabuku, zida, ndi maphunziro.
Komabe, pali malipiro a maphunziro omwe amalipidwa. Izi zikuphatikizapo malo ogona ndi chakudya, maulendo, kafukufuku, chithandizo cha kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe kake ndi ndalama, mabuku, ndi zina zomwe sizikufunika pa maphunziro anu. Mwachitsanzo, ngati mutapambana maphunziro a maphunziro, chipinda, ndi bolodi, simuyenera kulipira msonkho wa malipiro a maphunziro, koma chipinda ndi bolodi ndizokhoma msonkho.
Kupambana maphunziro omwe alibe msonkho sikuyenera kuwonedwa ngati chindapusa kwa inu. Misonkho yomwe muyenera kulipira ndi yochepa, makamaka pa ndalama zomwe zimagwiritsidwa ntchito polipira maphunziro. Osapewa kufunsa zamaphunziro omwe angakhale okhoma msonkho ndikufunsira. Ganizirani ndalama zilizonse zomwe mumapeza kwaulere kuti mulipirire maphunziro anu ngati ndalama zopindulitsa
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Maphunziro a maphunziro omwe amatengedwa kuti ndi ndalama zokhoma msonkho
Tiyerekeze kuti mwana wanu wamkazi ndi wophunzira wamaphunziro apamwamba ndipo ali ndi maphunziro omwe ayenera kukhala wothandizira kuphunzitsa. Pankhaniyi, malamulo amisonkho ndi osiyana. Izi ndichifukwa choti mayanjano kapena maphunziro omwe amapereka chipukuta misozi amawerengedwa ngati ndalama ndipo amakhoma msonkho mosasamala kanthu za momwe ndalamazo zimagwiritsidwira ntchito. Ngakhale chiyanjano cha $ 20,000 cha othandizira ophunzitsa chikagwiritsidwa ntchito makamaka pa maphunziro ndi mabuku, maphunziro a $ 20,000 kapena chiyanjano chikadakhala ngati ndalama zokhoma msonkho. Wophunzirayo akuyenera kutenga W-2 kuchokera kusukulu yamaphunziro ndipo ayenera kubweza msonkho.
Zina mwazosiyana
Malamulo a IRSwa amagwira ntchito pamaphunziro, zopereka, ndi mayanjano, kuphatikiza ndalama za Pell zomwe zimafunikira zomwe zimathandizidwa ndi boma. Komabe, pali zosiyana.
Mwachitsanzo, malipiro omwe amaperekedwa kudzera mu GI Bill samatengedwa ngati maphunziro omwe amawerengedwa ngati ndalama kapena ndalama zokhoma msonkho. Ophunzira omwe akutenga nawo gawo mu Armed Forces Health Professions Scholarship kapena National Health Service Corps Scholarship Programme and Financial Assistance Program nthawi zambiri samalipira misonkho pakuthandizira kwawo ndalama zothandizira maphunziro oyenerera. Ngongole za ophunzira sizimalipidwa misonkho chifukwa si zamaphunziro wamba, ndipo sizimatengedwa ngati ndalama ndipo ziyenera kubwezeredwa.
Ndipo kunena momveka bwino, maphunziro omwe amaperekedwa kwa ophunzira omwe satenga nawo gawo mu pulogalamu yophunzirira nthawi zonse amakhala ndi msonkho.
Komanso Werengani: Upangiri waukadaulo wamaphunziro
Momwe mungalembetsere ngongole zamisonkho zamaphunziro
Misonkho yamisonkho yamaphunziro yomwe imachepetsa kuchuluka kwa msonkho womwe mumalipira mwachindunji ingakhale njira ina yochepetsera gawo la ndalama zomwe mwana wanu amapeza ku yunivesite potengera ndalama zomwe amapeza. Pali mitundu iwiri yovomerezeka:
Ngongole ya Misonkho yaku America (AOTC)
Ngongoleyi imapereka ngongole yapachaka ya $ 2,500 pa wophunzira pazaka zinayi zaku koleji. Kuti muyenerere kulandira ngongole yonse, ndalama zanu zosinthidwa zosinthidwa (MAGI) ziyenera kukhala $80,000 kapena kuchepera ($ 160,000 kapena kuchepera pa zilengezo zaukwati). Ngongole ya msonkho kwa okhometsa misonkho omwe ndalama zawo zimaposa milingo iyi ikutha.
Ngongole Yophunzirira Moyo Wonse (LLC)
Ngongoleyi imapereka ndalama zokwana $2,000 pachaka pa msonkho uliwonse, osati wophunzira aliyense, koma angagwiritsidwe ntchito pa maphunziro apamwamba, maphunziro apamwamba, kapena maphunziro apamwamba popanda malire pa chiwerengero cha zaka. Malire opeza ndi otsika: mu 2019, MAGI ya anthu pawokha iyenera kukhala $ 68,000 kapena kuchepera ($ 136,000 kapena kuchepera pazolengeza zaukwati).
Ngati ndinu oyenera kulandira ma kirediti onse, muyenera kusankha imodzi kapena imzake. Simungagwiritse ntchito zonsezi.
Kodi ndingagwiritse ntchito ndalama zamaphunziro kulipirira ngongole?
Maphunziro ambiri omwe amawerengedwa ngati ndalama amakhala ndi cholinga china, izi zimaphatikizapo maphunziro opanda msonkho. Nthawi zambiri simungagwiritse ntchito ndalamazo pazifukwa zina zilizonse. Chifukwa chake, simunathe kuwasintha kukhala ndalama ndikuzigwiritsa ntchito kubweza ngongole za ophunzira anu. Komabe, mutha kukhala oyenera kukhululukidwa ngongole ya ophunzira ndipo mutha kugwiritsa ntchito pulogalamuyi kubweza ngongole yanu.
Momwe Mungapambanire Scholarship yomwe ilibe Misonkho
Mutha kusaka mwanzeru maphunziro omwe samawerengedwa ngati ndalama, omwe alibe msonkho. Choyamba, funsani zothandizira zachuma zomwe zimalipira ndalama zamaphunziro opanda msonkho monga maphunziro, chindapusa, ndi zinthu zina. Mwanjira iyi mutha kukhala otsimikiza kuti maphunziro anu salipira msonkho. Kuphatikiza apo, pofunsira maphunziro, ndizovomerezeka kulumikizana ndi omwe ali ndi maphunziro kuti muwafunse mafunso monga: "Kodi maphunzirowa alibe msonkho?" Mukadziwa zambiri za pulogalamu yanu, mutha kukonzekera bwino ndikugawa ndalama ngati mutapambana.
Chachiwiri, chitani mwanzeru mukafuna maphunziro athunthu. Kupambana kwamaphunziro ndi masewera a manambala: mukamagwiritsa ntchito kwambiri, mumakhala ndi mwayi wopambana.
Osamangofunsira maphunziro akuluwa omwe angawerengedwe ngati ndalama kapena ayi, pomwe mumangofunsidwa kuti mulembe zambiri. Gwiritsani ntchito gawo lina la nthawi yanu kufunsira maphunziro ang'onoang'ono, ngakhale ndalama zapanyumba. Phukusi la mphothozi nthawi zambiri limakhala laling'ono, zomwe zingakulitse mwayi wanu wopambana.
Pankhani ya maphunziro osakhoma msonkho, musaope zofunsira zomwe zingafunike ntchito yochulukirapo. Maphunziro a maphunziro omwe ali ndi zofunikira zolembedwera kapena makalata oyamikira alinso ndi magulu ang'onoang'ono a olembetsa. Nthawi zina kugwira ntchito molimbika kumabweretsa phindu!
Siyani Mumakonda