Kubata kweMitemo neZvibatsiro zve Federal Federalord Loan
The Federal Stafford Loan ndiyo yekuvaka chivako chevadzidzi vakawanda mari yekubatsira mari . Vadzidzi vachishandisa Stafford Loans vanogona kukwereta mari yakawanda yepamusoro pasinei nekudiwa kwavo kwezvemari, kune zvidzidzo zvepasimari uye zvidzidzo zvekuchikoro.
Nharaunda yekufarira uye mazwi eWashord Loans zvinogona kusiyana zvichienderana nokuti zvikwereti zvinotsigirwa kana zvisingabatsiri. Zvisinei, mumamiriro ezvinhu ose, ivo vanomirira imwe yezvisarudzo zvakanakisisa zvekubhadhara kubhadhara mari yekoroji.
Federal Stafford Loan Kukwereta Zvikwereti
Stafford Loan miganhu inobva pane zvinhu zviviri: ingave mudzidzi anoonekwa seanomiririra kuvabereki vake uye gore rake kuchikoro.
Stafford Loan Maximum Zvikwereti:
- Freshman - $ 5,500 vanovimba, $ 9,500 vakazvimirira
- Sophomore - $ 6,500 vanovimba, $ 10,500 vanozvimirira
- Junior kana Gare gare - $ 7,500 vanovimba, $ 12 500 vanozvimirira
- Vakapedza kudzidza kana Professional Degree - $ 20,500 pagore nokuda kwemarudzi ose emudzidzi
Vadzidzi vakatsiga avo vakanga vasina kukwanisa kuwana mari ye PLUS nemari yakawedzerwa vanogona kukwereta mari kusvika kune chikwereti chakazvimirira chikwereti chemudzidzi.
Uyezve, pane muganhu weupenyu huripo paWashord Loans, iye zvino wakagadzirirwa pa $ 31,000 nokuda kwevadzidzi vanovimba, $ 57 500 yevadzidzi vanozvimiririra, uye $ 138 500 kuti vapedzisire vadzidzi.
Inotsigirwa nekusabvumirwa neWorkord Loans
Munhu anotsigirwa Stafford Loan ndeyekuti hurumende yeHurumende inobhadhara chikwereti apo mudzidzi achiri kuchikoro.
Mune mamwe mazwi, kukosha kwechikwereti hakuna chakawedzerwa kuchikwereti chepakutanga kusvikira mushure mokunge wapedza kudzidza. Zvikwereti zvikwereti zvinowanika pamusana pekuda mari.
Vadzidzi vasingakodzeri chikwereti chaibhadhara vanogona kugamuchira chikwereti chisina kubhadharwa, asi vachawedzera chido vachiri kuchikoro.
Zvisinei, havafaniri kutanga kutsiva chikwereti kusvikira vapedza kudzidza.
Mari yezvikwereti zvinotsigirwa iyo mudzidzi anokwanisa kugamuchira ndeye "kuvimba" maximums akataurwa pamusoro apa. Semuenzaniso, iyo yakawanda yakabhadhara chikwereti chemari yechikwata chemudzidzi itsva ichava $ 3 500. Chero chipi zvacho chezveHoword Loan chakagamuchirwa, kusvika kumutsvaga gore rose ma $ 9 500, hazvizogadziriswi.
Vadzidzi vakapedza kudzidza havabvumirwi kugamuchira zvikwereti zvinotsigirwa.
Nharaunda Mahara uye Mafisi pa Federal Stafford Loans
Nhamba yezvinodiwa yehuwandu pane vose Stafford Loans yakabudiswa kana kana mushure meJuly 1, 2017 uye pamberi paJuly 1, 2018 iine 4.45%.
Mukuwedzera kune chikwereti chakabhadharwa pa Stafford Loan, panewo mari yekukwereta. Nezvikwereti zvine zuva rokutanga kuparadzaniswa kana musi waOctober 1, 2016, uye pamberi paOctober 1, 2017, mari yekubhadhara inokwana 1.069% yemutengo wemari yose. Kana musi weChitto 1, 2017 kana kuti mushure meOctober 1, 2018, mari yacho iri 1.066%. Iyi mitero inobviswa zvishoma kubva kuhomwe yekutengesa imwe neimwe.
Kudzorera Federal Stafford Loan
Kubhadhara kwavose Stafford Mitero inotanga mwedzi mitanhatu mushure mokunge mumwe mudzidzi akaita chimwe cheizvi:
Vakapedza kudzidza
- Drops-out
- Matsipa pasi pehafu yenguva yemaitiro
Munguva iyi mwedzi mitanhatu "nguva yenyasha," kufarira hazviwedzereri pane chikwereti chinopiwa rubatsiro, asi kunowedzera kune zvikwereti zvisingabhadharwi zvikwereti.
Stafford Loans inokubvumira kusarudza hurongwa hwekubhadhara hunogona kusanganisira:
- Kunyange kubhadhara makore gumi
- Kuwedzera mari kune makore gumi
- Kunyangwe kana kuwedzera zvikwereti zvinopfuura makore 25 (chikwereti kupfuura $ 30,000)
- Mari yekubhadhara mari
Kushandisa kuWatch Stafford Loan
Pasinei nokuti iwe uri kukumbira kuti ushandiswe kana kuti usingashandisi Stafford Loan, unofanira kuzadza fomu yeF FAFSA . Pane imwe nguva yakapera, Free Application for Federal Student Aid (FAFSA) fomu inotumirwa kuchikoro chako, ndiani angakuudza iwe nezvekukweretesa kwako uye chikwereti chekukweretesa. Paunogamuchira chikwereti, iwe unofanirwa kuisa "nyanzvi yekuita basa" risati rasvika mari ipi zvayo.