Ingabe imifundaze ibalwa njengemali engenayo; azikhokhiswa intela, noma azikhokhi intela? Lesi sihloko sizokusiza ukuthi uhlanganise lokhu kudideka okuncane kuzo zonke izifundi ezihlukene, futhi uqonde ukuthi azikhokhi intela noma azikhokhi intela.
Ezimweni eziningi, abafundi abafunda ekolishi, enyuvesi, noma kwezinye isikhungo semfundo esaziwayo bangagwema ukukhokha izintela okungenani ingxenye yemali yabo yokufunda. Ngokuvamile, akudingeki ukhokhe izintela emalini ye-scholarship ezosetshenziselwa ukukhokhela izindleko eziyisisekelo zezifundo zakho. I-IRS ibiza lezi “zindleko zemfundo ezifanelekayo noma izindleko”.
Lokhu kusho ukuthi cishe ngeke udinge ukubala lezi imifundaze njengemali engenayo noma ukhokhe intela kuzo uma imifundaze yakho isetshenziselwa ukufinyelela izifundo noma izinto ezikhethekile ezifundweni zakho
Ungawathola Kanjani Ama-Scholarship Angenayo Intela futhi Awabali Njengemali Engenayo.
Imifundaze engakhokhiswa intela futhi engabalwa njengemali engenayo ingatholakala yonke indawo. Ukuthi umfundaze uyakhokhiswa intela noma cha kuncike kakhulu ekutheni ungumfundi onjani nokuthi ufuna ukuyisebenzisa kuphi imali. Kodwa okokuqala, udinga ukwazi ukuthi ungayibheka kanjani imifundaze ngokujwayelekile ngaphambi kokuthi unqume ukuthi umfundaze wakho awunantela noma cha.
Ukuze uqale usesho lwakho lomfundaze, yiya ku Hlala Iqembu Elinolwazi, okuhlanganisa nezinye izinjini zokusesha izifundo, uzobona uhlu lwemifundaze ongayifaka isicelo. Lezi kufanele kube imifundaze oyibonile futhi oyifanelekelayo.
Ngaphandle kwezinjini zokusesha ze-scholarship, ungacela umeluleki wakho wokuqondisa noma abaphathi bezezimali zasekolishi mayelana namathuba okufunda. Uzothola ulwazi lwangaphakathi mayelana nemifundaze yamahhala evela ezikhungweni nasezinhlanganweni zendawo.
Funda futhi: Isebenza kanjani iScholarship?
Ungazi Kanjani uma umfundaze wami ungabalwa njengemali engenayo nengenayo intela
Kunezindlela zokunquma ukuthi umfundaze awukhokhi intela noma cha ngaphambi kokufaka isicelo. Okokuqala, kunemithetho ejwayelekile yemifundaze yamahhala noma izinto zemfundo ezingakhokhiswa intela ngomfundaze.
Ngokuvamile, umfundaze awukhokhi intela uma ungumfundi wesikhathi esigcwele noma wesikhashana ukuze uthole iziqu ezivela enyuvesi eyaziwayo. Zibuye zithathwe njengezingenayo intela uma zifaka imali yokufunda, izincwadi, izesekeli, nezinto zokufunda.
Kodwa-ke, kunezimali zokufunda ezikhokhiswa intela. Lokhu kubandakanya indawo yokuhlala nokudla, ukuhamba, ucwaningo, ukwesekwa kokuphatha kanye nezimali ezikhokhwayo, izincwadi, kanye nezinsiza ezingadingeki esifundweni sakho. Isibonelo, uma uwina umfundaze wokufunda, igumbi kanye nebhodi, akumele ukhokhe intela yemali yokufunda, kodwa igumbi nebhodi kuyakhokhiswa intela.
Ukuwina umfundaze ongakhokhi intela akufanele kubonakale njengenhlawulo kuwe. Izintela okufanele uzikhokhe zincane, ikakhulukazi inani elisetshenziselwa ukukhokhela imfundo. Ungakugwemi ukubuza ngemifundaze engakhokhiswa intela futhi uyifakele isicelo. Cabangela noma iyiphi imali oyitholayo mahhala ukuze ukhokhele imfundo yakho njengokutshalwa kwezimali okunenzuzo
Funda futhi: Ungayithola kanjani imifundaze Yokufunda Kwamanye Amazwe
Ama-scholarship abhekwa njengemali engenayo
Ake sithi indodakazi yakho ingumfundi oneziqu futhi kufanele ibe umsizi wokufundisa. Kulokhu, imithetho yentela ihlukile. Lokhu kungenxa yokuthi ubudlelwano noma imifundaze ehlinzeka ngesinxephezelo ibalwa njengemali engenayo futhi intela kungakhathalekile ukuthi imali isetshenziswa kanjani. Ngisho noma inhlanganyelo engu-$20,000 yabasizi bokufundisa yayisetshenziselwa ngokuyinhloko ukufundisa nezincwadi, lowo mfundaze we-$20,000 noma ukuhlanganyela kusazobhekwa njengeholo elikhokhiswa intela. Umfundi umele ukuthi athole i-W-2 esikhungweni semfundo futhi kufanele afake imbuyiselo yentela.
Okunye okuhlukile
Le mithetho ye-IRS isebenza kuma-scholarships, izibonelelo, kanye nokuhlangana, okuhlanganisa izibonelelo zakwa-Pell ezisekelwe ezidingweni ezixhaswa uhulumeni. Nokho, kukhona okuhlukile.
Isibonelo, izinkokhelo ezenziwe ngoMthethosivivinywa we-GI azithathwa njengezifundo ezibalwa njengeholo noma imali engenayo ekhokhiswa intela. Abafundi ababamba iqhaza ku-Armed Forces Health Professions Scholarship noma Uhlelo lweNational Health Service Corps Scholarship Programme kanye Nohlelo Losizo Lwezezimali ngokuvamile abazikhokhi izintela ekusekeleni kwabo ngokwezimali izindleko zemfundo ezifanele. Imali mboleko yabafundi vele ayikhokhi intela njengoba ingeyona imifundaze evamile, futhi ayithathwa njengeholo futhi kufanele ibuyiselwe.
Futhi ukuze kucace kakhulu, imifundaze enikezwa abafundi abangabambi iqhaza ohlelweni lokufunda ihlala intela.
Funda futhi: Iseluleko sochwepheshe sokufunda
Ungabhalisa kanjani amakhredithi entela ezemfundo
Izikweletu zentela yezemfundo ezinciphisa inani lentela engenayo oyikhokhayo ngokuqondile zingaba enye indlela yokukhokha ingxenye yezindleko zenyuvesi ezifanelekile zengane yakho ngokusekelwe emalini engenayo yakhe. Kunamakhredithi amabili angenzeka:
Ikhredithi Yentela Yamathuba YaseMelika (AOTC)
Lesi sikweletu sinikeza isikweletu esiphezulu saminyaka yonke esingu-$2,500 ngomfundi ngamunye iminyaka emine yasekolishi. Ukuze ufaneleke ukuthola ikhredithi egcwele, imali engenayo ephelele elungisiwe (i-MAGI) kufanele ibe ngu-$80,000 noma ngaphansi ($ 160,000 noma ngaphansi ukuze uthole izimemezelo zomshado ezihlanganyelwe). Ikhredithi yentela yabakhokhi bentela imali engenayo engaphezu kwalawa mazinga iyayekwa.
Isikweletu Sokufunda Impilo Yonke (LLC)
Lesi sikweletu sinikeza inani eliphakeme lama-$2,000 unyaka ngamunye ngembuyiselo yentela ngayinye, futhi hhayi ngomfundi ngamunye, kodwa ingasetshenziselwa izifundo zeziqu, izifundo zeziqu, noma izifundo zobungcweti ezingenamkhawulo enanini leminyaka. Imikhawulo yemali engenayo iphansi: ngo-2019, i-MAGI yabantu ngabanye kufanele ibe ngu-$68,000 noma ngaphansi ($ 136,000 noma ngaphansi kwezimemezelo zomshado ezihlanganyelwe).
Uma ufaneleka kuwo womabili amakhredithi, kufanele ukhethe elilodwa noma elinye. Awukwazi ukukusebenzisa kokubili.
Ngingakwazi ukusebenzisa imali yokufunda ukukhokha imali mboleko?
Imifundaze eminingi ebalwa njengeholo inenjongo ethile, lokhu kufaka phakathi imifundaze yamahhala. Ngokuvamile awukwazi ukusebenzisa imali nganoma yisiphi esinye isizathu. Ngakho-ke, awukwazanga ukuguqulela imali bese uyisebenzisela ukubuyisela imali ebolekiwe yabafundi. Kodwa-ke, ungase ufaneleke ukuthola intethelelo yemalimboleko yomfundi futhi ungasebenzisa lolu hlelo ukubuyisela imali oyibolekile.
Ungayithola Kanjani I-Scholarship Engenayo Imali Yentela
Ungakwazi ukusesha ngendlela ehlelekile imifundaze engabalwa njengemali engenayo, engenayo intela. Okokuqala, cela izinsiza zezimali ezimboza izindleko zemfundo yamahhala njengezifundo, imali ekhokhwayo, kanye nezinsiza. Ngale ndlela ungaqiniseka ukuthi umfundaze wakho awukhokhiswa intela. Ngaphezu kwalokho, lapho ufaka isicelo somfundaze, kuyamukeleka njalo ukuthintana nabanikazi bemifundaze ukuze ubabuze imibuzo enjengokuthi: “Ingabe lo mfundaze awukhokhi intela?” Uma wazi okwengeziwe mayelana nesicelo sakho, ungahlela kangcono futhi wabelane ngemali uma uwina ngempela.
Okwesibili, yenza amasu uma ufuna imifundaze iyonke. Ukuwina imifundaze kuwumdlalo wezinombolo: uma ufaka isicelo kakhulu, aba ngcono amathuba akho okuwina.
Ungamane ufake isicelo sale mifundaze emikhulu engabalwa noma ingabalwa njengeholo, lapho ucelwa ukuthi ufake imininingwane yabo yokuxhumana. Sebenzisa ingxenye yesikhathi sakho ukufaka isicelo semifundaze emincane, ngisho nezibonelelo zendawo. Iqoqo lale miklomelo ngokuvamile lincane, okungase kwandise amathuba akho okuwina.
Uma kukhulunywa ngemifundaze engakhokhiswa intela, ungesabi izicelo ezingase zidinge umsebenzi omningi. Ama-Scholarship anezidingo ze-dissertation noma izincwadi zokuncoma nawo anamaqembu amancane abafaka izicelo. Ngezinye izikhathi ukusebenza kanzima kuphumelela ngokoqobo!
shiya impendulo