1. Ongorora Zita Rako Rokukurukura
Zvakakosha kuvandudza ruzivo rwako rwekutsvaga kwevadzidzi vako zvikwereti paunotanga kudzidza uye nguva dzose iwe uchifamba. Iwe uchave uchiine mhosva yekuita zvikwereti mushure memwedzi mitanhatu kana kana kwete izvo zvataurwa zvinokuita iwe. Kuvandudza ruzivo rwako nekushandisa kero yekusingaperi (yakadai sekero revabereki vako) sekuchengetedza kuchakubatsira iwe kugamuchira ruzivo panguva yakakodzera uye usarudza nzira yakanakisisa yekugadzirisa chikwereti chako chemudzidzi.
2. Ratidza Kuda Kwako
Kunyange zvazvo mudzidzi wako chikwereti achifanirwa kuenderera mberi paanenge apedza kudzidza, dzimwe nguva pane kukanganisa uye chikwereti chikwereti hachiiti. Iwe unogona kuguma nekumeri kwemhosva uye kubhadhara chikwereti kana iwe usingarevi kuti mudzidzi wechikwereti anenge ari kusununguka. Kungofona foni kune kambani yako yezvikwereti kuchakubvumira kuti uone izvi uye nekuchengetedza iwe kukanganisa kururamisa mushure mushure mekuitika.
3. Kubatanidza Mari
Iwe unogona kuva nesarudzo yekusimbisa zvikwereti zvako zvingabhadharwa uye zvisingabatsiri mubhadharo rimwe kana wapedza kudzidza. Zviri nyore kwazvo kuita chikwereti chechikwereti chevadzidzi pane kunetseka nezvekuita maverengi. Zvisinei, iwe haufaniri kumbosimbisa hurumende yekubhadhara chikwereti mukati mako wega wega mudzidzi chikwereti.
Izvi zvichaita kuti iwe urege kurasikirwa nezvikwereti zvinouya nemari yechikwereti sevadzidzi seInvest Based Payment sarudzo kana kuti kushungurudzika kwekutambudzika kana ukarashikirwa nebasa rako. Vadzidzi vega vega zvikwereti havakwanisi kupa mimwe mitemo yekubhadhara.
Iwe unogona kudimbisa chero mari yega yega yemari chikwereti chaunacho uye uchiedza kubatsiririra chidimbu chechikwereti chakaderera chaunokwanisa kuvhara Izvo zvingava zvakaoma kuita izvi kusvikira wava nebasa rako rokutanga, asi zviri pachena chimwe chinhu chaunofanira kufunga. Vadzidzi vega voga chikwereti vane chikwata chakakwirira kwazvo kune Federal Federal Loans, uye inowanzosiyana. Zvichienderana nemhando yevadzidzisi vemari chikwereti, iwe haungakwanisi kutora chikwereti semutengo wokubvisa mutero. Vadzidzi vega vega mari yechikwereti vanofanira kuva nezvakakosha zvakadai semakadhi emakwereti pazvinouya pakubhadhara chikwereti chako.
4. Tsvaga Kana Iwe Unokodzera Kubhadhara Rubatsiro kana Kukanganwira Zvirongwa
Zvakakosha kutarisa matanho akasiyana ekubhadhara ayo anowanikwa kubva mune mari uye mari yekusarudza. Iko Inowanikwa Kubhadhara Mutero sarudzo ichagadzirisa mutero wako wegore negore pamari yako. Iwe uchada kugovera mari yako gore roga rega, uye sezvo ichikwira kumusoro kuitira kuti iwe ubhadhara mwedzi mumwe nomumwe. Kana usina kubhadhara chikwereti chako chemudzimai mushure memakore makumi matatu nemakumi matatu pane chirongwa ichi chikamu chesara chicharegererwa.
Iwe unogonawo kuisa kwenguva pfupi kubhadharwa kwekuomerwa kwekuregererwa kana ukarasa basa rako kana kutarisana nedambudziko rimwe rezvemari. Izvi zvakatemerwa pane imwe nyaya nemhosva yenyaya uye iwe unofanira kutumira kambani yako yechikwereti yevadzidzi usati warega kubhadhara kuitira kuti uwane.
Imwe nzira ndeyekutarisa nzira dzekuregerera chikwereti chemudzidzi. Kana iwe ukashandira hurumende kana kuti isingabatsiri kwemakore gumi uye iwe une Federal Direct Loan, iwe unogona kuva nemari yakasara yemukweretesi wako ukanganwirwa kana iwe wakabhadhara nenguva munguva yemakore gumi. Vadzidzisi vanokodzera chirongwa chakafanana, asi izwi iri kazhinji makore mashanu. Dzimwe nyika dzinogona kupa zvikwereti zvakasiyana-siyana zvekukweretesa chikwereti, uye mamwe mabasa angapa zvipo zvinokurudzira uye mari yekuisa kune chikwereti chemudzidzi wako sebhonasi yekusayina kana mushure mokushanda ikoko kwenguva yakatarwa.
Kutora nguva yekutsvaga izvi zvingakubatsira iwe kuchengetedza mari uye uone nzira yakanakisisa yokubata nayo yako chikwereti chikwereti zvino uye munguva yemberi.
5. Ita Purogiramu Yekuvabhadhara
Chikwereti chemari chikwereti chikwereti chinogona kukuremedza, kunyanya kana uri kutambura kuti uwane zvigaro nemabasa ako okutanga. Zvakakosha kugadzira hurongwa huchakubvumira kuti ubhadhara chikwereti chako chemudzidzi nekukurumidza . Chimwe chikamu cheizvi chiri kuisa bhajeti inobvisa nzvimbo yekubhadhara mari yakawanda pane chikwereti chako. Unofanirwa kutanga neunenge uri wega mudzidzi chikwereti uye chero mutengi kana chikwereti chikwereti chaunacho kubva kuchikoroji, uye zvino enda kune yako federal mudzidzi chikwereti. Ichi ndechokuti chikwata chekufarira chinoderera, uye nokuti unogona kuda chikamu chechido pamutero wako . Iwe unogona kunge uchida kugadzirisa mukuwana mari yakawanda yekubhadhara pamudzidzi wako zvikwereti sekutora basa rechipiri kana freelancing kuti uuye nemari yakawedzerwa.