Eli nqaku liqulethe ulwazi oluxabisekileyo nolubanzi malunga nemali-mboleko yabafundi, ukuxolelwa kwemali mboleko yabafundi, kunye neentlobo ezahlukeneyo zeemali-mboleko ezifumanekayo kubafundi. Kwakhona, iinkcukacha ezithe vetshe ngoXolelo lweMali-mboleko yeNkonzo kaRhulumente kunye neemali-mboleko zootitshala nabongikazi ziya kuxoxwa kwesi sikhokelo.
Imfundo sisiseko soluntu lwanamhlanje yaye ifumaneka ngexabiso eliphakamileyo. Imeko yezemali yabafundi kumaziko emfundo ephakamileyo yahluke kakhulu kwaye ukanti abanye banokuba nomdla omkhulu wokufumana eyona mpumelelo yemfundo.
Ukuthatha imali-mboleko kushiye abafundi abaninzi benetyala elikhulu.
Nangona kunjalo, izigidi zabafundi baseMelika sele beza kucocwa imali mboleko yabo kulawulo lweBiden. Ulawulo lwe-Biden-Harris luceba ukuhambisa isiqabu kumatyala kubantu abangaphezu kwezigidi ezingama-30 baseMelika ngokwengxelo ekhutshwe INdlu yeNdlu.
Ngokutsho kwenqaku ipapashwe yi-CNN, Ulawulo lwe-Biden luya kusebenzisa iinkqubo ezikhoyo zokuxolelwa kwemali mboleko yabafundi ukucima omnye umjikelo wetyala lemali-mboleko yabafundi. Ulawulo lwe-Biden luza kuchitha malunga ne-7.4 yeebhiliyoni zeedola ukucima ityala labafundi kubaboleki abangaphezu kwama-277,000.
Eyona mali mboleko yomfundi yimali-mboleko ekhutshwe ngurhulumente edityaniswe nenzala emiselweyo okanye ephantsi. Kwakhona, iimali-mboleko zabafundi babucala zibonelelwa ngababolekisi babucala ababandakanya iibhanki, ii-arhente mboleko zikarhulumente, iikhredithi zeemanyano, kunye namanye amaziko emali.
Yintoni Imali-mboleko yoMfundi?
Iimali-mboleko ezinikwa abafundi ziluncedo lwemali ukunceda abafundi ukuba badlule ekholejini. Imali-mboleko yomfundi ilungiselelwe ukunceda abafundi ukuba bahlawule iifizi ezibalulekileyo kunye nezinto zasekholejini. Izifundo, iimpahla, iincwadi, kunye neendleko zokuhlala zabafundi zinokunyanyekelwa ngale mali mboleko.
Ngoku ka University of New Hampshire University, imali mboleko yomfundi yimali abafundi abanokuyiboleka kuyo nayiphi na ISebe Lezemfundo lase-US okanye umbutho wabucala. Injongo yokuthatha le mboleko kukuhlawula ikholeji kunye nokubuyisela umbutho onike imali mboleko ngenzala.
Funda kwakhona: II-Nian Scholarship yokuFunda kwelinye ilizwe
Iindidi zeemali-mboleko zabafundi ezikhoyo
Okwangoku, iimali-mboleko zabafundi eUnited States zibonelelwa ngababolekisi ababini abakhulu abakhoyo Imali mboleko yemfundo yaseBurhulumende kunye nemali-mboleko yabafundi yabucala.
Federal Student Loans zinikezelwa ngurhulumente US ngelixa iimali mboleko zabafundi zabucala zibonelelwa ngamaziko-mboleko karhulumente, iibhanki, iimanyano zamatyala, kunye namanye amaziko emali.
Imali mboleko yaseburhulumenteni
Urhulumente wase-US uphumeze i-Federal Student Loans ukunceda abafundi ngemali ngekholeji. Kucetyiswa kakhulu ukuba kusetyenziswe iimali-mboleko ze-federal njengoko zincanyathiselwe kunye nezibonelelo ezongezelelweyo kwaye azibizi kakhulu kunemali mboleko yabucala.
Kukho izinto ezimbalwa ekufuneka umfundi aziqwalasele xa esenza isicelo semali mboleko.
Ngezantsi zizibonelelo eziqhotyoshelwe kwimali mboleko ye-federal.
- Iimali-mboleko ze-Federal zilungisiwe kwaye zinenzala ephantsi
- Ukufumana imali-mboleko ngaphandle kotyikityo
- Ukuba nokwenzeka kokuxolelwa kwemali mboleko yomfundi: oku kubandakanya ukusebenza kumsebenzi othile njengokufundisa okanye inkonzo yoluntu ukubuyisela imali mboleko.
- Iishedyuli zentlawulo eziguquguqukayo, ezifana imbuyekezo eyandisiweyo kwaye ababuyisi abaqhutywa yingenisot
- Ishedyuli yokuhlawula eqala kwiinyanga ezintandathu emva kokuba umfundi ephumelele esikolweni
Iindidi ezine zemali mboleko yabafundi kwikholeji
Imali mboleko ethe ngqo ngqo
Abafundi abangekathweswa izidanga abaneemfuno zemali banokuthatha ithuba le Imali-mboleko yeStafford ehlawulwa yenziwe yafumaneka kubo. Iimali-mboleko ze-Stafford eziXhasisiweyo zenza ukuba abafundi bangahlawuli nzala kuyo nayiphi na imali abayibolekiweyo.
Imali-mboleko engabhaliswanga ngokuthe ngqo
Abafundi abangekabinazidanga nabaphumeleleyo baye Iimali-mboleko ze-Stafford ezingaxhaswanga zifumaneka kubo kungakhathaliseki iimfuno zabo zemali. Imali mboleko ye-Stafford engaxhaswanga yahluke kakhulu xa ithelekiswa nemali-mboleko exhaswa ngemali.
Funda kwakhona: Ziphephe iiScams zeScholarship-Into ekufuneka uyazi
Federal Direct PLUS mboleko
Abazali babafundi abangekathweswa isidanga abaxhomekeke kunye nabafundi abaphumeleleyo banokuthatha ithuba le I-Grad PLUS kunye ne-Parent PLUS mboleko. Inzala yemali-mboleko iqala ukwanda nje ukuba imali-mboleko ikhutshwe ngenxa yokuba iimali-mboleko ze-PLUS azixhaswa.
Imali-mboleko yoBumbano oluNgqo
Ngeemali-mboleko zoNxibelelwano, unokudibanisa imali-mboleko yabafundi abaninzi kwimali-mboleko enye, kwaye usenokonwabela izibonelelo zeemali mboleko.
Funda kwakhona:I-10 yeMisebenzi yeZidanga kuLawulo lwezoShishino
Imali mboleko zabucala
Ezi ziimali-mboleko ezinikezelwa ngumbolekisi wabucala oquka iibhanki, iimanyano zamatyala, ii-arhente zemboleko karhulumente, okanye amanye amaziko emali. Iimali-mboleko zabucala zidla ngokudityaniswa nesantya esisisigxina okanye esiguquguqukayo senzala.
Abafundi abajonge ukuthenga imali-mboleko yabucala iyafuneka ukuba ibe ne-cosignatory kwaye inzala ayixhaswanga.
Yintoni uXolelo lweMali-mboleko yoMfundi?
Uxolelo lwemali-mboleko yomfundi lucima ityala le abafundi ukubuyisela inxalenye yemali mboleko yabo okanye zonke iimali-mboleko zabafundi abazibolekayo. Uninzi lwabafundi kwiikholeji nakwiiyunivesithi bathathe imali-mboleko ukuze baxhase ukuhlala kwabo esikolweni.
Le mali mboleko yenza abafundi bakwazi ukuhlawulela izifundo, iimpahla, iincwadi kunye nezinye izinto ezibalulekileyo.
Ukubuyisela ezi mboleko ngamanye amaxesha kunokuba nzima kwaye uninzi lwabafundi lugqibela ngokuba netyala elikhulu. Yenye indlela yokuba abafundi bahlawule imali-mboleko eqokelelweyo kwaye iyafumaneka kwiintlobo ezithile zeemali-mboleko.
Abafundi abasematyaleni banokusebenza kumsebenzi othile woluntu onokuba ngumsebenzi wezemfundo okanye wasemkhosini.
Lusebenza njani uXolelo lweMali-mboleko yoMfundi
Uxolelo lwemali-mboleko yomfundi lukhona ukuze kupheliswe okanye kuthathwe iinxalenye zetyala lomfundi. Uxolelo lwemali-mboleko lusebenza kuye nawuphi na umfundi kunye nokuxolelwa kwemboleko-mali yomfundi kusebenza kurhulumente wase-US okanye imali-mboleko exhaswa ngurhulumente kwaye ifikelela kwi-92% yazo zonke iimali-mboleko zabafundi e-US.
Nangona kunjalo, uxolelo lwemali-mboleko alusebenzi kwiimali-mboleko zabucala ezikhutshwe ziibhanki, iimanyano zamatyala, ii-arhente zemboleko karhulumente, njl.
Ukuba ufuna ukuba imali-mboleko yakho ixolelwe, uyalelwe ukuba ufake isicelo kwaye uqhubeke uhlawula ude ufumane imvume yesicelo sakho.
Iindidi zokuXolelwa kweMali mboleko
UXolelo lweMali-mboleko yeNkonzo kaRhulumente (PSLP)
Inkqubo yoXolelo lweMali-mboleko yeNkonzo kaRhulumente ifumaneka kuphela kwabo basebenza kwimisebenzi yenkonzo karhulumente kwimibutho engenzi nzuzo okanye urhulumente. Inxalenye yemali mboleko yakho inokuxolelwa ukuba unikezela ngomsebenzi wokuvolontiya njengenkonzo yasemkhosini okanye unyango.
Kukho iimfuno ezimbalwa ekufuneka uhlangabezane nazo phambi kokuba ityala lakho lixolelwe phantsi kwenkqubo yenkonzo yoluntu.
- Uyalelwe ukuba wenze iintlawulo ezifanelekileyo ezili-120.
- Iintlawulo kufuneka zenziwe ngelixa usasebenza njengomqeshwa kumqeshi ofanelekileyo onokuba ngumanyano, Lumente, urhulumente wasekhaya, okanye umbutho ongenzi ngeniso onawo ubume bokukhululwa kwirhafu.
William D. Ford Federal Direct Loan Programme eyimali-mboleko ethe ngqo eyenziwe ngurhulumente Federal US ukufanelekela ukuxolelwa mboleko yabafundi. Iimali-mboleko ezikhutshwe ngababolekisi babucala ezithathwa ngokuba ziimali-mboleko ezingezizo ezombuso aziqukwanga kule nkqubo.
Kwimeko apho uWilliam D. Ford mboleko ngqo ayifumaneki kuwe, kwaye ufumene imali mboleko ngokusebenzisa Inkqubo yeMali-mboleko kaPerkins, ungadibanisa loo matyala ukuze avele njenge imali-mboleko yokuqinisa ngokuthe ngqo.
Uhlaziyo luka-2021 lwePSLF
Ngokwemithetho yesiqhelo yoXolelo lweMali-mboleko yeNkonzo kaRhulumente, intlawulo eyenziwe yodwa kwimali-mboleko edibeneyo ibalwa ukuya kwi-120 yentlawulo encinci. Iintlawulo zokuqala ezenziwe kwiimali-mboleko zangaphambili nazo ziye zaqwalaselwa kwaye kufuneka ube kwenye yeenkqubo ezine zembuyekezo eziqhutywa ngumvuzo ezizezikarhulumente.
ISebe leMfundo lase-US lenze isibhengezo esisemthethweni ngo-Okthobha 2021, sokukhulula izithintelo zeprogram kwaye iyaqhubeka kude kube ngu-Oktobha 2022.
Ngeli xesha, ababoleki kulindeleke ukuba bafumane ikhredithi kwiintlawulo zangaphambili ezenziwe kwiimali-mboleko, okanye abazukulungela uXolelo lweMali-mboleko yeNkonzo kaRhulumente ukufikelela kumanqaku entlawulo ali-12.
Funda kwakhona: Ngaba iiScholarship zibalwa njengeNgeniso?
Ukuxolelwa kwentlawulo eqhutywa liNgeniso
Urhulumente wase-US unikezela ngezicwangciso ezine eziphambili zembuyekezo eziqhutywa ngumvuzo kwaye zikwenza ukwazi ukuvala intlawulo yakho yemali mboleko ngepesenti ethile yemivuzo yakho yenyanga.
Ukuba ubhalisile nakwesiphi na kwezi zicwangciso, nayiphi na imali eseleyo kwimali-mboleko yakho iya kufaneleka ukuxolelwa emva kwexesha leminyaka engama-20 okanye engama-25 ngokusekwe kwisicwangciso.
Abo baxhamlayo kwezi zicwangciso ngabantu abaneemali-mboleko ezinkulu. NgokweZiko leSizwe loMthetho waBathengi, ngabantu abangama-32 kuphela abaye banewonga lokufumana uxolelo lwemali-mboleko ngoxolelo lwentlawulo yomvuzo.
USifaka njani isicelo soXolelo lweMali-mboleko yeNkonzo kaRhulumente (PSLF)
Ukwenza isicelo ngempumelelo soXolelo lweMali-mboleko yeNkonzo kaRhulumente, kufuneka ugcwalise iPhepha leSiqinisekiso seNgqesho rhoqo ngonyaka kwaye wenze nezaphulelo zokuhlawula, iifomu ze-W-2, okanye amanye amaxwebhu aceliweyo.
Nangona kunjalo, ukuba ufikelela ngempumelelo kwiimfuno zentlawulo, ungafaka isicelo sokuXolelwa kwiNkonzo kaRhulumente yoXolelo ngqo kwiSebe leMfundo. Nje ukuba yamkelwe, yonke ibhalansi yemali-mboleko yakho ixolelwe.
Nangona iNkqubo yoXolelo lweMali-mboleko yeNkonzo kaRhulumente ayiqinisekanga de kubekho ukungeniswa kwesicwangciso nguMongameli wase-US uJoe Biden okanye iCongress.
Kukho ithuba lokwahlula iintlawulo zenyanga. Umzekelo, abo barhola ngaphantsi kweedola ezingama-25,000 ngonyaka kunye nezibini ezirhola ngaphantsi kweedola ezingama-50,000 aziyi kuchitha nesenti kwimali-mboleko yabo de kubekho ukonyuka komvuzo wabo.
Inkqubo yoXolelo lweMali-mboleko yooTitshala
INkqubo yoXolelo lweMali-mboleko yooTitshala yaqaliswa ukukhuthaza ootitshala ukuba basebenze kwizikolo zamabanga aphantsi, kwizikolo zasesekondari, nakwii-arhente zeenkonzo zemfundo ezinceda ngokukodwa iintsapho ezinemivuzo ephantsi.
Nyaka ngamnye, uluhlu lwezikolo zamabanga aphantsi nezizisekondari ezinemivuzo ephantsi lupapashwa liSebe leMfundo lase-US.
Nangona kunjalo, ukuba utitshala ufuna ukuxolelwa mboleko, kufuneka bafundise ixesha elizeleyo iminyaka emihlanu ngqo kwisikolo esifanelekileyo. Nje ukuba inkqubo igqitywe, utitshala uye avumeleke ngokuzenzekelayo ukuba abe ne-5,000 yeedola ukuya kuthi ga kwi-17,500 yeemali-mboleko ezixolelweyo.
Iindidi zeemali-mboleko ezifanelekileyo zixhaswa ngokuthe ngqo kunye neemali-mboleko ezingaxhaswanga kuphela. Okwangoku, kukho ukuya kuthi ga kwi-13 lamazwe ase-US abonelela ngoxolelo lwemali-mboleko kootitshala abaneemfuno ezahlukeneyo.
Inkqubo yoXolelo lweMali-mboleko yooTitshala inokwenziwa xa kugqitywe iSicelo soXolelo lweMali-mboleko kaTitshala kunye nokungeniswa kumntu oboleka imali.
Funda kwakhona: I-Federal Government Scholarship ye-Undergraduate / Postgraduate 2020
Ukubolekwa kweMali yaBongi
Kwicandelo lezonyango, abahlengikazi ababhalisiweyo abanelayisensi, amalungu e-faculty yabongikazi, kunye nabongikazi, abo basebenza kwiindawo ezinqongopheleyo banokufaneleka kwaye babe ne-85% yeemali-mboleko zabo ezixolelwe phantsi kwenkqubo ebizwa ngokuba yi-NURSE Corp Repayment Programme.
Abagqatswa abafanelekileyo banokusebenza iminyaka emi-2 kwindawo engafumani nkonzo ngokwaneleyo kwaye baxolelwe ukuya kuthi ga kwi-60% yemali mboleko yabo. I-25% eyongezelelweyo yemali-mboleko inokuxolelwa iminyaka emi-3 yokusebenza. Okwangoku, amazwe angama-33 ase-US abonelela ngoncedo lokubuyisela imali mboleko kwaye ungaya kwiwebhusayithi esemthethweni yoXolelo lweMali-mboleko yabongikazi ukujonga ukuba ilizwe lakho liphakathi kwamazwe angama-33 ase-US.
Ukuxolelwa koGqirha ngoGqirha
Abo banobuchwephesha kwinkqubo yokhathalelo lwempilo njengoogqirha, oosokhemesti, noogqirha bamazinyo kunye nabanye abasebenzi bezempilo banikwa iindlela ezininzi zokufumana uxolelo lwemali-mboleko.
Isixa esixolelweyo kunye neemfuno ziyahluka, kwaye oku kuxhomekeke kwinkqubo engenisiweyo.
isiphelo
Ukuya kwiikholeji ezidumileyo kunye neeyunivesithi kunokuba ngumnqantsa, kungoko imfuneko yoncedo lwemali ibalulekile.
Ngemali-mboleko yabafundi edibeneyo kunye neyabucala, abafundi kwiikholeji bangathatha imali-mboleko ukuze bancede baphumelele esikolweni. Izifundo, iincwadi kunye nezinye izinto eziyimfuneko zinokunyanyekelwa ngezi mboleko.
Iingcebiso:
- Zisebenza njani iiScholarship? Konke okufuneka ukwazi
- Ungazifumana njani izifundi zokufunda kwilizwe langaphandle
- Uluhlu lwezaphulelo zabafundi kunye neZibonelelo | Esona sikhokelo sigqibeleleyo
- I-11 yokuFundisela kwelinye ilizwe i-Scholarship yaBafundi baMazwe ngaMazwe
- Ngaba iiScholarship zibalwa njengeNgeniso?
Ucaphulo
- University of New Hampshire University: Yintoni iMali-mboleko yoMfundi kwaye isebenza njani?
- EWashington (CNN): I-Biden ixolela i-7.4 yeebhiliyoni zeedola ngaphezulu kwityala lemali mboleko yabafundi kubaboleki abangama-277,000
Shiya iMpendulo