Ziva Zvaunosarudza Kana Icho Chiri Nguva Yokupa Mari Mibairo Yevadzidzi
Kuedza kubhadhara kwekolishi kunogona kunge kuenzanisa kusinganisa. Unoda kuwedzera mari yekubatsira mari uye kuderedza mari yezvikwereti zvevadzidzi zvaunoshandisa kuvhara mari yako. Kana ukwereta zvakanaka, zvikwereti zvevadzidzi zvinogona kukurudzira zvikuru mari yako. Mushure mokunge apedza kudzidza, kana zvikwereti izvi zvichitengesa uye zvichibhadharwa, vamwe vashandi vanoona kuti vane nguva yakaoma yekuwana basa rinobhadhara zvakakwana kuitira kuti vakwanise kukudza mari yavo.
Izvi zvinogona kuisa dambudziko pamabhadharo avo uye nguva yavo yakareba yechikwereti. Nenzira yakanaka, kune mamwe mamiriro ezvinhu apo haufaniri kubhadhara yako federal mudzidzi zvikwereti, kana kwenguva yakatarwa kana zvachose. Heano pane zviitiko gumi zvinogona kushanda kumamiriro ako emari:
- Kupiridzwa Kwechikwereti: Kuzvidzivirira ndeye nguva iyo kubhadharwa kwekutanga uye kufarira chikwereti chako kunonoka. Kunyange zvazvo kufarira kunoramba kuchiwedzera, hurumende yehurumende inogona kubhadhara chikwereti zvichienderana nerudzi rwechikwereti chaunacho. Iwe unogona kunge uchikwanisa kubhadhara kana ukaramba uchitora zvidzidzo zvinogamuchirwa, enda kune chikoro chechikoro, usashanda, shandisa Peace Corps, kana kushanda muchiuto.
- Mari Yokutsungirira: Unogona kukwanisa kuita zvikwereti kana kuderedza mari yako yemwedzi kune mwedzi 12; zvisinei, kufarira kuchaenderera mberi kuwedzera kune zvose zvikwereti zvako uye zvisingabatsiri. Iwe unogona kukodzera kushivirira nekuda kwekurwara, dambudziko rezvemari, kubatanidzwa mune chiremba kana mazino ekugara, kunyorwa mune dzimwe zvirongwa zvebasa rehurumende, uye mamwe mabasa ehondo.
- Yakavharwa Chikoro: Unogona kunge uchikwanisa kubhadhara chikwereti chako chemudzidzi kana chikoro chako chikavhara iwe paunenge uchinyora kana kuti mushure mokunge iwe ubva. Izvo zvakaitika kune dzimwe nzvimbo yekudzidzira kuchikoro.
- Vashandi vehurumende: Unogona kukwanisa kukanganwirwa chikwereti pasi pehurumende yePublic Service Loan Forgiveness (PSLF) kana iwe uchishanda nehurumende kana kuti kwete-in-profit organization. Iyi purogiramu inokanganwira zvakasara zviri muDirect Direct Direct Student Loans mushure mekunge maita chikwereti chepamusoro chekubhadhara mwedzi gumi nemakumi maviri pasi pegadziriro yekubhadhara yakakodzera kana uchishanda nguva yakazara yekushandira.
- Mudzidzisi Kukwereterera Kukanganwira: Kana iwe uchidzidzisa nguva yakazara yezvikamu zvishanu zvakazara uye zvakapfurikidza zvedzidzo mune dzimwe dzidzo dzepuraimari nedzisekondari uye masangano ekubatsira edzidzo anoshumira mhuri dzisina mari, uye unosangana nedzimwe dzidzo, unogona kukodzera kukanganwirwa kusvikira pakubatanidzwa chiyero che $ 17,500 pamutemo wako weFederal Directed and Unsubsidized Loans, uye yako yakatsigirwa uye isina kushandiswa Federal Federalord Loan.
- Kurairidzidzira Mudzidzisi kweHurumende Perkins Kukweretesa : Unogona kukodzero yekuregererwa kwechikwereti kwekudzidzisa nguva yakazara kuchikoro chechikoro chepasi, kana kuti kudzidzisa mune dzimwe nzvimbo dzenyaya. Iwe unogonawo kukodzera kugadziriswa kuburikidza nemitambo yekudzidzisa yakakodzera.
- Hurumende-Yakabhadhara Chikoro Chekukanganwira Chikoro Chevadzidzi : Nyaya dzakawanda dzinopa mapurogiramu ekukanganwira chikwereti chevadzidzisi, kunyanya kana iwe uchidzidzisa mune imwe nzvimbo yavanoda. IAmerican Federation of Teachers ine database yakatsvaga yaunogona kushandisa kuti uwane hurongwa hwehupfumi uye hwekune dzimwe nyika dzaunogona kukodzera.
- Kuremara: Zvimwe zvirwere zvepanyama uye zvepfungwa zvinogona kukukodzera kuti uwane rusununguko rwakakwana uye husingaperi rwekuremara kwehuwandu kune federal student yechikwereti.
- Borrower Defense: Vanokwereta vanogona kukodzera kukanganwirwa kwevashandi vavo vehurumende zvikwereti kana chikoro chikasvibisa kana kuita zvimwe zvisiri izvo mukutyora mitemo yakati. Izvi zvinogona kushanda kune vanokwereta avo vakapinda Korinthian Colleges - Everest, Heald, uye WyoTech - nemusi wokutanga wekupinda pakati peJuly 1, 2010 uye Svondo 30, 2014.
- Rufu : Mari yechikwereti inongorambidzwa kana anokweretesa chikwereti chemari yehurumende afa. Vadzidzi vega vega zvikwereti havakwanisi kupa chidziro chakafanana.
Kana iwe uchifunga kuti iwe unogona kukwanisa kuwana imwe yezviisarudzo izvi, taura nemutero wako servicer kuti uone matanho aunoda kutora. Ramba uchiyeuka kuti izvi zvingasarudzwa zviri pamutemo zvinoshanda chete kune federal student loan. Iwe unofanirwa kutarisa nemumwe wega wega wevadzidzi vako chikwereti chevashandi kuti uone kana vane mapurogiramu akafanana akawanikwa. Zvinogona kutora nguva shomanana, asi zvingave zvakakodzera kukosha kwako.