529s Yakagadzirirwa Kushanda NeScholarships
Chirongwa cha 529 chinyorwa chekodha-inobhadhara mari yekutsvaga iyo yakanyanyogadzirirwa kugadziriswa kwekoroji . Nekuwedzera kwekusabhadhara mutero uye kuregererwa kwechikoro chepamusoro, zvinowanzotaridzirwa kuti iyo nhoroondo yakanakisisa yekushandisa kana kuchengetedza dzidzo yepamusoro.
Zvisinei, vabereki vazhinji vanonetseka kuti kuva nekodzero yekushandurwa kwekoroji kunogona kuita kuti vana vavo vakwanise kubhadhara zvikoro kana mamwe rubatsiro rwemari. Uye zvakadini kana mwana wacho akawana rubhadharo uye mari yakazara haifaniri kuchikoro?
Unogona here kugona kuwana mari yakasara?
Heino mhinduro yepamusoro-soro: 529s haibatsiri zvakakosha-based scholarships uye vanogona kuderedza kushandiswa kwekuchengetedza pane zvipo zvinodiwa-zvikwereti. Uyezve, kana ukawana rubhadharo, iwe unogona kubvisa chikamu chekudzidzira pasina chero chirango.
Tisati tapinda mune mhinduro yakajeka, zvisinei, kune zvinhu zvishomanana zvekuziva nezvebatsiro rezvemari.
Kutanga, kune marudzi akawanda emubatsiro wemari. Izvi zvinosanganisira zvikoro, zvikwereti, zvikwereti, uye mapurogiramu emabasa-kudzidza. Mhedzisiro inokosha yekuyeuka ndeyokuti kusiyana nemari yemari, zvikwereti uye zvipo hazvidi kubhadharwa zvakare.
Pane zviitiko zvakawanda zvinopinda mukugadzirisa kukodzera kwomudzidzi kuwana rubatsiro rwemari, izvo zvipi zvavanokodzera, uye mari yavanogona kuwana. Uye zvinowanzoita kuti vadzidzi vashandise zviverengero zveizvi pamwe chete kuti vabhadhara chikoro, pamwe chete nekuchengetedza uye mhuri yemari.
Nokuda kwezvinangwa zvechikamu ichi, tichaisa pfungwa pane zvidzidzo uye zvikwereti (kureva, zvinhu zvisingada kubhadharwa).
Kunyange zvazvo mazwi ekunyora anogona kuve akavhiringidza, pamwero wekutanga tinogona kutsanangura musiyano sezvakanaka-based based scholarships kana zvidikanwi zvinodiwa-zvikwereti.
Iko 529 Chiitiko cheScholarships?
Nhau dzakanaka ndeyokuti nekuda kwekodzero-based scholarships, 529 kuchengetedza hazvina matanho. Uye kunyange zvazvo isingakuvadzi kuti ive yakarurama-Mudzidzi, zvichienderana nesangano rinopa kupa dzidzo, pane zvakasiyana zve "zvakakodzera" kunze kwezvikwata zvingatorwa munyaya.
Izvi zvinosanganisira mitambo, mabasa ezvinyorwa uye zvido, makiragi, zvinyorwa uye mamwe makwikwi, makuru kana munda wekudzidza, nezvimwe. Uyezve, kune matani ekudzidziswa kwezvikoro kunze uko, anopiwa nemakoroji nemayunivhesiti ivo pachavo, masangano ehurumende, vabatsiri vega, makambani, mharaunda, nemamwe masangano.
Nezvipo zvinodiwa-zvikwereti, zvirongwa 529 zvine zvimwe zvingakanganisa, asi zvinogonawo kubatsira kuderedza zvakakonzerwa nekuchengetedza korojiji nekuchengetedza mune mamwe marudzi eakaunti.
Chii Chinodiwa-Chinotarisirwa?
Mipiro yakawanda inowanikwa nehurumende yehurumende, asi inotaurawo kuti ine zvipo zvekupa. Mamwe masangano akawanda, masangano, uye vagari vemo vanopawo zvipo kuvadzidzi vanobva pane zvavanoda.
Kune hurumende yehurumende uye mamwe akawanda masangano ekupa zvipo, kukodzera kunotsanangurwa kushandisa FAFSA, kana Free Application ye Federal Federal Aid Aid. Kubva pane ruzivo rwaunopa paunopedza FAFSA, yako Inotarisira Family Contribution (EFC) ichagadziriswa.
Kubva ipapo, Federal Federal Aid Aid Office inotora mari yevadzidzi inoda kubvisa kubhadhara mhuri inotarisirwa (EFC) kubva kuUtengo weKuendesa (COA), kusanganisira chikoro, mari, nzvimbo uye bhodhi, mabhuku / zvinhu, uye kutakura.
Misiyano ndeyemari yevadzidzi Mari, asi, iyo inobhadhara mari yekubatsira mari (kusanganisira zvipo uye zvikwereti ) zvingaita kana kuti hazvikwanise kuvhara mari yako yese yezveMari. Nokuda kwechikonzero ichi, zvinogona kuva nengozi yekudzivirira kuchengetedza kukoreji kutarisira rubatsiro rwemari huchazadza zvikanganiso.
Ihwo huwandu hwekambani ye 529 hunoitawo musiyano mune zvinetso zvayo. Kubva kuma 529s inowanzova zvinhu zvine mubereki, zvinowanzoongororwa kusvika kusvika pa5,64 muzana yeEFC. Izvi zvinoreva kuti purogiramu yemubatsiri yevadzidzi inoderedzwa nepamusoro pehuwandu hwe5,64 muzana yemari yeasset. Ukuwo, rumwe ruzivo rwevadzidzi (kufanana nekodzero kana kukonzerwa nekodzero) inoongororwa pamwero mukuru kwazvo we20 muzana.
Kana iyo 529 inowanikwa kune mumwe munhu (semuenzaniso, sekurukuru), iyo nhoroondo haina maturo kusvikira iwe watanga kutora zvinhu.
Izvo zvinofanira kunzi sekusagadziriswa kwemari kune mudzidzi iyo inobatsira mari inotevera yemari yemari.
Dzimwe zvikoro zvingashandisawo CSS Profile pakuongorora kukodzera kwekubatsira mari, zvisinei. Iyi fomu inoshandisa nzira yakasiyana mukuverenga zvinhu zvemhuri uye inogona kunge yakasunungurwa pamapurogiramu 529. Semuenzaniso, zvinhu zviri muurongwa hwehukuru hwavekuru-529 hazvina kuziviswa pa FAFSA, asi vadzidzi vanogona kubvunzwa kuti vazviise muCSS Profile. Zvikoro mashomanana chete zvinoshandisa CSS Profile, naizvozvo kunze kwekuti mudzidzi wako ari kupinda kune imwe yeizvi, hazvigone kuchinja kukwanisa kwevadzidzi vako kugutsikana.
Scholarships Impact 529s?
Ko kana mwana wako akawana bhizinesi uye iwe hausisina mari yose yawakachengetedza yako 529? Nepo iwe unogona nguva dzose kubvisa mupiro wako wepakutanga pasina mitero kana zvikwereti, "mubairo" chikamu chinowanikwa kune 10 muzana chirango kana isina kutorwa kuti uwane mari.
Zvisinei, zvirongwa 529 zvinopa rubatsiro rwakakosha rwezvidzidzo. Kana mwana wako akawana rubhadharo, iwe unokwanisa kubvisa chikamu chekudzidzira pasina kubhadhara chirango.
Asi, iwe unofanirwa kubhadhara mitero pane chikamu chekuwana mari yekutora, saka iri pfungwa yakanakisisa yekuiripesa kune mamwe mazano akafanirwa kana kuchinja muwani kana mari isingakodzeri nemudzidzi wepakutanga.
The Bottom Line
Kunyange zvazvo rubatsiro rwemari rubatsiro rwekubhadhara ruzivo rwunogona kuchinja uye kune dzimwe nyika-kana kuti chikoro chaicho , zvakanyanya, zvirongwa 529 zvakagadzirirwa kutsigira kana iwe uchikwanisa kuwana zvikoro kana zvipo.
Kune vadzidzi vanogamuchira rubhadharo, chikamu chacho chinogona kubviswa pasina kutongerwa kubva kubhuku re 529 (kana rinogona kushandiswa kune zvakawanda zvakasiyana-siyana zvemari.)
Mhuri-based scholarships haibatanidzwi nemapurogiramu 529, uye nokuti kukosha kwezvirongwa izvi kunoongororwa pamwero wakaderera, vanogona kuderedza kushandiswa kwekuchengetedzwa kwekukodzero kune zvikwereti zvinodiwa.
Vangave vane college yekuchengetedza kana kwete, vadzidzi vazhinji vanoona kuti pane musiyano pakati pezvinokwana mari yekoroji-kusanganisira chikoro, nzvimbo uye bhodhi, mabhuku, nezvimwe-uye mari yekubatsira mari yavanowana. Chirongwa che 529 chinogona kubatsira kubhururuka icho chisipo, uye kugonesa mudzidzi kupedza zvishoma (kana kwete) chikwereti.