Ichi chinyorwa chine ruzivo rwakakosha uye rwakakwana nezvezvikwereti zvevadzidzi, ruregerero rwechikwereti chemudzidzi, uye marudzi akasiyana ezvikwereti anowanikwa kuvadzidzi. Zvakare, zvimwe zvakawanda pamusoro pePublic Service Loan Ruregerero uye zvikwereti zvevadzidzisi nevakoti zvichakurukurwa mugwaro rino.
Dzidzo ndiwo musimboti wenzanga yanhasi uye inowanwa nomutengo mukuru. Mamiriro emari evadzidzi vepachikoro chepamusoro akasiyana zvakanyanya uye zvakadaro vamwe vanogona kunge vaine chido chikuru chekuwana budiriro yedzidzo yepamusoro.
Kutora zvikwereti kwasiya vadzidzi vazhinji vaine chikwereti chikuru.
Nekudaro, mamirioni evadzidzi vekuAmerica vave kuda kubvisirwa zvikwereti zvavo nekutonga kweBiden. Biden-Harris Administration inoronga kuendesa zororo rechikwereti kune vanopfuura mamirioni makumi matatu vekuAmerica maererano neshoko richangoburitswa ne The White House.
Maererano nechinyorwa rakabudiswa neCNN, manejimendi eBiden achange achishandisa zvirongwa zviripo zvekuregerera chikwereti chemudzidzi kudzima imwe denderedzwa rechikwereti chemudzidzi. Hutongi hweBiden huchashandisa mari inosvika mabhiriyoni manomwe nemazana mana emadhora kudzima chikwereti chevadzidzi chevanopfuura mazana maviri nemakumi manomwe nenomwe,7.4 vanokwereta.
Chikwereti chemudzidzi chepamusoro chikwereti chakapihwa nemubatanidzwa chakanamirwa kana kuderera mubereko. Zvakare, zvikwereti zvevadzidzi zvakazvimiririra zvinopihwa nevanokweretesa vakazvimirira vanosanganisira mabhanga, masangano echikwereti chehurumende, zvikwereti zvemubatanidzwa, uye mamwe masangano emari.
Chii Chinonzi Chikwereti Chemudzidzi?
Zvikwereti zvinopihwa vadzidzi rubatsiro rwemari kubatsira vadzidzi kuenda kukoreji. Chikwereti chemudzidzi chakarongwa kubatsira vadzidzi kubhadhara mari yakakosha uye zvinhu mukoreji. Tuition, zvekushandisa, mabhuku, uye mari yekugara yevadzidzi inogona kutarisirwa nechikwereti ichi.
Maererano ne Southern New Hampshire University, chikwereti chemudzidzi imari vadzidzi vanogona kukwereta kubva ku US department reDzidzo kana sangano rakazvimirira. Chinangwa chekutora chikwereti ichi ndechekubhadhara kukoreji uye kubhadhara sangano rakapa chikwereti nemubereko.
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Mhando dzezvikwereti zvevadzidzi zviripo
Parizvino, zvikwereti zvevadzidzi muUnited States zvinopihwa nevakweretesi vaviri vakuru vari Chikoro chemari chikoro chevadzidzi uye zvikwereti zvevadzidzi zvakazvimiririra.
Federal Student Zvikwereti zvinopihwa nehurumende yeUS panguva zvikwereti zvevadzidzi vega zvinopihwa nemasangano echikwereti ehurumende, mabhanga, masangano ezvikwereti, uye mamwe masangano emari.
Federal zvikwereti
Hurumende yeUS yakashandisa Federal Student Loans kubatsira vadzidzi nemari kuburikidza nekoreji. Zvinokurudzirwa kushandisa zvikwereti zvemubatanidzwa sezvo zvakabatanidzwa nemamwe mabhenefiti uye zvisingadhure pane zvikwereti zvepachivande.
Pane zvinhu zvishoma izvo mudzidzi anofanira kutarisa paanenge achinyorera chikwereti.
Pazasi pane zvakanakira zvakabatanidzwa kune federal chikwereti.
- Zvikwereti zveFederal zvakagadziriswa uye vane mibairo yakaderera
- Kuwana chikwereti pasina cosignatory
- Mukana wekuregererwa kwechikwereti chemudzidzi: izvi zvinosanganisira kushanda mune rimwe basa sekudzidzisa kana sevhisi yeruzhinji kubhadhara chikwereti.
- Flexible kubhadhara zvirongwa, senge muripo wakawedzerwa uye vanodzosera marit
- Chirongwa chekubhadhara chinotanga mwedzi mitanhatu mushure mekunge mudzidzi apedza chikoro
Iwo mana marudzi e federal mudzidzi zvikwereti zvekoreji
Direct Yakagoverwa Chikwereti
Undergraduates vane zvinodiwa nemari vanogona kutora mukana we Yakabhadharwa zvikwereti zveStafford yakaitwa kuti iwanikwe kwavari. Zvikwereti zveSpatidized Stafford zvinoita kuti vadzidzi vasabhadhara mubereko pane chero mari yakakweretwa.
Chikwereti Chakananga Chisina Kunyoreswa
Undergraduate uye vakapedza kudzidza vadzidzi vane Zvikwereti zvisina rubatsiro zveStafford yakaitwa kuti iwanike kwavari pasinei nemari yavaida. Chikwereti cheUnsubsidized Stafford chakasiyana chaizvo zvichienzaniswa nezvikwereti zvinopihwa.
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Federal Direct PLUS chikwereti
Vabereki vevadzidzi vanopedza kudzidza vanovimba uye vakapedza kudzidza vadzidzi vanogona kutora mukana we Grad PLUS uye Mubereki PLUS zvikwereti. Mubereko wechikwereti unotanga kuwedzera kana chikwereti chabviswa nekuti PLUS zvikwereti hazvipihwe mari.
Federal Direct Consolidation chikwereti
Nezvikwereti zveConsolidation, unogona kusanganisa zvikwereti zvakawanda zvevadzidzi muchikwereti chimwe chete, uye uchinakidzwa nemabhenefiti ezvikwereti zvemubatanidzwa.
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Zvikwereti zvega
Izvi zvikwereti zvinopihwa nemukweretesi akazvimiririra izvo zvinosanganisira mabhanga, masangano ezvikwereti, masangano echikwereti ehurumende, kana mamwe masangano emari. Zvikwereti zvepachivande zvinowanzobatanidzwa neyakagadziriswa kana chiyero chakasiyana chekufarira.
Vadzidzi vanoda kutenga chikwereti chakazvimirira chinodiwa kuti uve necosignatory uye mubereko haupihwe.
Chii Chiri Chikwereti Chevadzidzi Kuregerera?
Kuregerera chikwereti chemudzidzi kunobvisa chikwereti che vadzidzi kubhadhara chikamu chechikwereti chavo kana zvikwereti zvese zvemudzidzi zvavanenge vakwereta. Vadzidzi vazhinji mumakoreji nemayunivhesiti vakatora zvikwereti kuti vawane mari yekugara kwavo muchikoro.
Chikwereti chinoita kuti vadzidzi vabhadhare mari yechikoro, zvekushandisa, mabhuku, uye zvimwe zvinhu zvakakosha.
Kubhadhara zvikwereti izvi dzimwe nguva kungave kwakaoma uye vadzidzi vazhinji vanopedzisira vave muchikwereti chakakura. Ndiyo imwe nzira yekuti vadzidzi vadzosere zvikwereti zvakaunganidzwa uye inowanikwa kune mamwe marudzi ezvikwereti.
Vadzidzi vane chikwereti vanogona kushanda mune rimwe basa reruzhinji rinogona kunge riri redzidzo kana remauto.
Mashandiro Anoita Chikwereti Chemudzidzi Ruregerero
Ruregerero rwechikwereti chemudzidzi rwuripo kubvisa kana kutora chikamu chechikwereti chemudzidzi. Kuregererwa kwechikwereti kunoshanda kune chero mudzidzi uye kukanganwirwa kwechikwereti chemudzidzi kunoshanda kuhurumende yeUS-yakapihwa kana zvikwereti zvinotsigirwa nehurumende uye zvinosvika 92% yezvikwereti zvese zvevadzidzi muUS.
Zvakadaro, kuregererwa kwechikwereti hakushande kune zvikwereti zvakazvimiririra zvinopihwa nemabhanga, masangano ezvikwereti, masangano ehurumende anokweretesa, nezvimwewo. Pane mamiriro ezvinhu apo vanokwereta vanogona kukanganwirwa zvikwereti zvavo kana kutombokanzurwa zvirinani zvachose.
Kana iwe uchida kuti zvikwereti zvako zviregererwe, unosungirwa kunyorera uye kuenderera mberi nekubhadhara kudzamara wawana mvumo yechikumbiro chako.
Mhando dzechikwereti Kukanganwira
Public Service Loan Forgiveness (PSLP)
Chirongwa chePublic Service Loan Forgiveness Programme chinowanikwa chete kune avo vanoshanda mumabasa ehurumende kumasangano asina purofiti kana hurumende. Chikamu chechikwereti chako chinogona kuregererwa kana ukapa basa rekuzvipira rakadai sebasa rechiuto kana kurapa.
Pane zvishoma zvinodiwa kuti usangane chikwereti chako chisati charegererwa pasi pechirongwa chevashandi vehurumende.
- Iwe unosungirwa kuita zana nemakumi maviri ekubhadhara anokodzera.
- Kubhadhara kunofanirwa kuitwa iwe uchiri kushanda semushandi wemushandirwi anokwanisa anogona kunge ari federal, mamiriro, hurumende yemunharaunda, kana sangano risingabatsiri rine chimiro chekuregererwa mutero.
William D. Ford Federal Direct Loan Programme inova chikwereti chakananga chakaitwa nehurumende yeUS Federal inokodzera kukanganwirwa chikwereti chemudzidzi. Zvikwereti zvakapihwa nevanokweretesa vakazvimiririra izvo zvinoonekwa sezvisiri zvemari zvikwereti hazvina kubatanidzwa muchirongwa ichi.
Mumamiriro ezvinhu apo William D. Ford chikwereti chakananga hachiwanikwe kwauri, uye wakawana chikwereti kuburikidza ne Perkins Chikwereti Chirongwa, unogona kubatanidza izvo zvikwereti kuti zvibude se chikwereti chekubatanidza chakananga.
A 2021 Revamp yePSLF
Nemitemo yakajairwa yePublic Service Loan Forgiveness, mubhadharo wakaitwa wega pachikwereti chemubatanidzwa unoverengerwa pagumi nemakumi maviri ekubhadhara. Kubhadhara kwekutanga kwakaitwa pazvikwereti zvekare kwakatariswawo uye unofanirwa kunge uri mune imwe yeayo mana anofambiswa nemari yekubhadhara masheti ehurumende.
Dhipatimendi reDzidzo reUS rakaita chiziviso chiri pamutemo muna Gumiguru 2021, kusunungura zvirambidzo zvechirongwa uye zvinotora kusvika Gumiguru 2022.
Mukati meiyi nguva, vanokwereta vangangowana kiredhiti pamibhadharo yapfuura yakaitwa pazvikwereti, kana zvikasadaro havazokodzere kuPublic Service Loan Ruregerero kuti vasvike pagumi nembiri mubhadharo.
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Mubairo-Inotenderwa Kudzorera Kukanganwira
Hurumende yeUS inopa zvirongwa zvina zvikuru zvekubhadhara mari uye zvinokugonesa kuvharisa mubhadharo wako wechikwereti pane imwe muzana yemari yaunowana pamwedzi.
Kana iwe wakanyoresa mune chimwe chezvirongwa izvi, chero chasara chechikwereti chako chinozokwanisa kuregererwa mushure menguva yemakore makumi maviri kana makumi maviri nemashanu zvichienderana nehurongwa.
Avo vanobatsirikana kubva muzvirongwa izvi vanhu vane zvikwereti zvakakura. Sekureva kweNational Consumer Law Center, vanhu makumi matatu nevaviri chete ndivo vakawana rukudzo rwekuregererwa chikwereti kuburikidza neruregerero rwekubhadhara mari.
Maitiro eKunyorera Ruregerero rweChikwereti chePublic Service (PSLF)
Kuti ubudirire kunyorera Ruregerero rweChikwereti chePublic Service, unosungirwa kuzadza Fomu reChitupa Chebasa gore negore uye uitewo mabhadharo, mafomu eW-2, kana mamwe magwaro akakumbirwa.
Nekudaro, kana ukabudirira kusvika kune zvinodiwa kuti ubhadhare, unogona kuendesa chikumbiro chePublic Service Loan Forgiveness zvakananga kuDhipatimendi reDzidzo. Kana yangotenderwa, imwe mari yechikwereti chako inoregererwa.
Kunyangwe hazvo chirongwa chePublic Service Loan Regiveness Programme chisina chokwadi kudzamara pave nekuendeswa kwehurongwa neMutungamiriri weUS, VaJoe Biden kana Congress.
Pane mukana wekupatsanura mari yemwedzi wega wega. Semuenzaniso, avo vanotambira pasi pemadhora makumi maviri neshanu pagore uye vakaroora vanotambira pasi pemadhora makumi mashanu 25,000 havazoshandisa kana dime kukwereta kwavo kusvika pave nekuwedzera kwemari yavo.
Vadzidzisi Vanokwereta Kukanganwira Chirongwa
The Teacher Loan Forgiveness Programme yakatangwa kuti ikurudzire vadzidzisi kushanda muzvikoro zvepuraimari, zvikoro zvesekondari, uye masangano ebasa redzidzo anoshandira mhuri dzine mari shoma.
Gore rega rega, rondedzero yezvikoro zvepuraimari nesekondari zvine mari yakaderera inoburitswa neUS Department of Education.
Nekudaro, kana mudzidzisi achida kuregererwa chikwereti, vanofanirwa kudzidzisa-nguva yakazara kwemakore mashanu akatwasuka pachikoro chinokodzera. Kana chirongwa ichi chapera, mudzidzisi anobva angove akakodzera kuwana madhora zviuru zvishanu uye kusvika kumadhora zviuru gumi nezvinomwe nemazana mashanu anoregererwa.
Mhando dzezvikwereti zvinokodzera zvinotsigirwa zvakananga uye zvikwereti zvisingabhadharwe chete. Parizvino, kune nyika dzinosvika gumi nenhatu dzeUS dzinopa ruregerero rwechikwereti kuvadzidzisi vane zvakasiyana zvinodiwa.
Iyo Vadzidzisi Chikwereti Kukanganwira Chirongwa chinogona kuiswa pakupedzwa kweMudzidzisi Chikwereti cheKukanganwira Chikumbiro uye kuendesa kune anokwereta servicer.
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Chikwereti Kukanganwira kweVanamukoti
Mundima yezvokurapa, vanamukoti vakanyoreswa vane rezinesi, nhengo dzechikoro chehukoti, uye vanamukoti, avo vanoshanda munzvimbo dzine kushomeka kwakanyanya vanogona kukodzera uye vanosvika makumi masere neshanu muzana ezvikwereti zvavo zvakakanganwirwa pasi pechirongwa chinonzi NURSE Corp Chikwereti Chekudzorera Chirongwa.
Vadzidzi vanokwanisa vanogona kushanda kwemakore maviri munzvimbo isina kuchengetedzwa uye vanosvika makumi matanhatu muzana emari yechikwereti chemudzidzi vakaregererwa. Imwe 2% yechikwereti inogona kuregererwa kwemakore matatu ekushanda. Parizvino, nyika makumi matatu nenhatu dzeUS dzinopa rubatsiro rwekubhadhara chikwereti uye unogona kuenda kune webhusaiti yepamutemo yeRuregerero rweChikwereti cheVanamukoti kuti utarise kana nyika yako iri pakati penyika makumi matatu nenhatu dzeUS.
Chikwereti Kukanganwira kune Varapi
Avo vane hunyanzvi muhurongwa hwehutano hwakadai savanachiremba, vemishonga, uye vanachiremba vemazino pamwe nevamwe vashandi vehutano vanopihwa dzimwe nzira dzakawanda dzekuti vawane ruregerero rwechikwereti.
Mari inoregererwa uye zvinodiwa zvinosiyana, uye izvi zvinoenderana nechirongwa chakapinda.
mhedziso
Kuenda kumakoreji ane mukurumbira nemayunivhesiti kunogona kuve kwakadzika, nekudaro kudiwa kwerubatsiro rwemari kwakakosha.
Nezvikwereti zvemubatanidzwa uye zvakazvimirira zvevadzidzi, vadzidzi mumakoreji vanogona kutora zvikwereti kuti zvivabatsire kuti vapfuure chikoro. Tuition, mabhuku ekushandisa, uye zvimwe zvinhu zvakakosha zvinogona kutarisirwa nezvikwereti izvi.
Zvinorayirwa:
- Scholarships inoshanda sei? Zvese zvaunoda kuziva
- Nzira yekuwana sei mabhezari eKudzidza Kunze kwenyika
- Rondedzero yeZvideredzwa zveVadzidzi uye Zvibvumirano | The Ultimate Guide
- 11 Kudzidza Kunze Kwenyika Scholarship yeVadzidzi Venyika
- Ko Scholarship Inoverengera SeMari?
References
- Southern New Hampshire University: Chii Chikwereti cheMudzidzi uye Chinoshanda Sei?
- Washington (CNN): Biden kukanganwira $7.4 bhiriyoni imwe muchikwereti chemudzidzi chevakwereta mazana maviri nemakumi manomwe nenomwe.
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