Uwawalawula njani amatyala kwiYunivesithi

Ukuba namatyala abafundi kunokuba nzima. Umthwalo wemali mboleko yomfundi wenza ukuba kube nzima ngakumbi kubafundi ukuba bathenge indlu. Nangona abezopolitiko besathetha ngalo mbandela, awunakulinda ukuba basombulule yonke into.

Kufuneka uphuhlise isicwangciso sokulawula ityala lakho lomfundi ngelixa usekholejini kuba kubalulekile kwimpilo yakho yezezimali kwixa elizayo. Inani elipheleleyo lemali mboleko yomfundi e-US yile ngaphezu kwe $ 1.5 trillion

Ngesicwangciso esifanelekileyo, unokulawula ityala lakho lasekholejini eyunivesithi. Nazi iindlela ezisibhozo zokulawula ityala lakho lomfundi. 

Bala amatyala akho ewonke 

Njengalo naliphi na ityala, inyathelo lokuqala kukuqonda ukuba unetyala elingakanani xa lilonke. Ngokwesiqhelo, uninzi lwabafundi luneemali-mboleko ezininzi, zombini mboleko yomfundi kunye neyabucala. Ke kuya kufuneka uthathe ixesha kwaye ubeke phantsi yonke imali mboleko yomfundi onayo. 

Ngale ndlela, unokuza nesicwangciso sokuhlawula ityala lakho: ukudibanisa okanye jonga iinkqubo ezahlukeneyo zokuxolelwa kwemali-mboleko yomfundi

Yazi iMigaqo yeMali-mboleko yoMfundi 

Ngaphandle kokudibanisa lonke ityala lakho lomfundi, kuya kufuneka uyazi imiqathango yetyala ngalinye lemali mboleko. Kungenxa yokuba imali mboleko nganye inokuba namazinga enzala ohlukeneyo kunye nemigqaliselo yokuhlawula. Olu lwazi luya kukunceda ukuba uvelise isicwangciso sokuhlawula ukunqanda inzala eyongezelelweyo, izohlwayo kunye nemirhumo. 

Ungajonga iSebe leMfundo lase-US website ukufumana ezona zicwangciso zibalaseleyo zokuhlawula. 

Jonga ixesha loBabalo 

Njengoko ujonga imali mboleko yakho yomfundi, uyakuqonda ukuba mboleko nganye iza nexesha layo lobabalo. Eli lixesha onalo emva kokuthweswa isidanga ngaphambi kokuba uqale ukuhlawulwa kwemali mboleko yakho. Kodwa ixesha lobabalo lingahluka. 

Umzekelo, iimali mboleko zikaPerkins zikunika iinyanga ezilithoba zobabalo, ngelixa iimali mboleko zika Stafford zikunika ithuba leenyanga ezintandathu zobabalo. 

Cinga ngokudityaniswa kweMali-mboleko yoMfundi 

Emva kokufumana iinkcukacha, ungaqwalasela ukuba ukudibanisa zonke iimali-mboleko zakho zabafundi kukuhamba ngokufanelekileyo. Olona loncedo lubalulekileyo lokudityaniswa kukuba kunciphisa umthwalo weentlawulo zakho zenyanga. 

Nangona kunjalo, ihlala yandisa ixesha lakho lokuhlawula. Ke nangona ufumana ixesha elininzi lokuhlawula amatyala akho, uyakuhlawula inzala engaphezulu. Kwaye, inqanaba lenzala elidityanisiweyo linokuphakama kunemali mboleko yakho yangoku. 

Ngaphambi kokuba uqhubeke, qiniseka ukuba uthelekisa imigaqo yemali mboleko. Kwakhona, xa udibanisa, uphulukana neenketho zakho zokumiswa kunye nezicwangciso zokuhlawula umvuzo ezisekwe kwimali mboleko yomfundi. 

Thatha iTyala leAvalanche Road 

Kukulungele ukuhlawula imali mboleko yomfundi ngamazinga aphezulu enzala kuqala. Elinye icebo elilungileyo kukuhlahloba imali ethile ngaphezulu kweentlawulo zenyanga ezifunekayo. Emva koko jongisa ityala eligqithisileyo lenzala enkulu. 

Xa uyihlawula, uyasisebenzisa eso sixa senyanga siphezulu kwinqanaba lenzala lesibini, njalo njalo. Esi sicwangciso sibizwa ngokuba li-avalanche yamatyala kwaye sinokukunceda uhlawule ityala lakho. 

Jonga ukuXolelwa kweMali mboleko yoMfundi 

Ukuba uyakwazi ukuhlawula iintlawulo zenyanga, ungafaka isicelo soxolelo lwamatyala njenge Inkonzo yoLuntu yeMboleko yokuxolelwa okanye ukukhupha iimali-mboleko zakho zabafundi. Unokulungela ukukhutshwa kwimali mboleko ukuba wena okanye isikolo savalwa phambi kokuba ugqibe isidanga sakho. 

Hlawula iNqununu 

Enye indlela yokuhlawula ityala lakho kukuhlawula inqununu eyongezelelweyo nangaliphi na ixesha onakho. Ngokukhawuleza uyinciphisa inqununu, inzala encinci oza kuyibhatala kubomi bemali mboleko. Inzala ibalwa ngokusekwe kwinqununu inyanga nenyanga. Ke iinqununu ezingaphantsi zithetha ukubhatala inzala esezantsi. 

Hlawula imali mboleko yakho ngokuzenzekelayo 

Abanye ababolekisi ngemali-mboleko banikezela ngesaphulelo kumyinge wenzala ukuba uyayamkela into yokuba iintlawulo zakho zinikezelwa ngokuzenzekelayo kwiakhawunti yakho inyanga nenyanga. Umzekelo, unokufumana i-0.25%, kwaye nangona ibonakala incinci, inokudibanisa kakhulu. Ababolekisi babucala banokunika izaphulelo ngokunjalo. 

Iingcinga Final 

Gcina ukhumbula ukuba ayizizo zonke iingcebiso ezichazwe kwesi sikhokelo ezinokukunceda. Kodwa nokuba imeko iyintoni na, licebo elibi ukuba ungenzi nto xa unengxaki ekuhlawuleni imali mboleko yakho yomfundi. Ingxaki yakho yamatyala ayizukubaleka ngaphandle kokuba wenze okuthile ngayo. 

Ke sicebisa ukuba uthethe nengcali yemali mboleko yomfundi malunga nemeko yakho. Baza kukunceda uthathe isigqibo esifanelekileyo kwaye uthathe inyathelo elifanelekileyo. Ukuba unemali mboleko yabucala yabucala, ukhetho lwakho lilinganiselwe xa kuthelekiswa nemali mboleko yomfundi. Kodwa usengaphuma ematyaleni ngesicwangciso esihle.

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