Kuti mari yechikwereti inoshanda sei kubva pakutanga kusvika pakupedzisira
Kune vakawanda, zvikwereti zvevadzidzi ndeye "chikwereti chakanaka" -kutsvaga mune ramangwana izvo zvisingazoitiki.
Uye inowanzobhadhara: vashandi vane dhigiriji yekoroji vanowanzowana mari inenge madhora makumi maviri nemakumi maviri kune avo vane dzidzo yepamusoro yekondari gore rega roga.
Shandisa Mukuenzanisa
Usati wasvika muzvidimbu, funga nezvemufananidzo mukuru uye funga nezvemazano maunenge usingakwanisi kunzwa kakawandisa: edza kuderedza kubhadhara kwako . Parizvino, zvakaoma kufungidzira kuti upenyu hupi hwakafanana nemari yekubhadhara chikwereti, uye iyo zvikwereti ndizvo zvinoita kuti ramangwana rive rakajeka. Asi chikwereti chechikwereti chevadzidzi chikwereti chakakomba chinogona kugara newe muupenyu. Kuti kuderedza mutoro iwoyo:
- Shandisa zvipo uye zvidzidzo kuti uderedze mari yaunokwereta. Kunyange zvipo zviduku zvinobatsira.
- Shandisa nguva-nguva yekubhadhara zvimwe zvekudzidzisa mari. Iwe unogona kuwana ruzivo rwehupenyu hunokosha iyo vezera rako vakawanda havangagoni kusvika kusvikira apedza kudzidza, uye iwe unogona kutanga kutungamirira hupenyu hwako nenzira yaunoda.
- Ongorora zvikoro zvisingadhuri uye mune-dzidzo yehurumende. Mushure mokunge wapedza chikoro, zvingave zvakakosha zvakadini kwawaenda kuchikoro (zvinoenderana nemunda wako)?
- Dhura mari yaunogona. Mabhuku anoshandiswa, varaidzo isingadhuri, uye zvokudya zvekugadzirira zvinogona kufamba nenzira refu pano.
Nguva imwe neimwe paunowana mari muchimiro chechikwereti chemudzidzi, yeuka kuti uchafanira kudzorera mari iyo yose ( pamwe nekufarira ) pane imwe nguva munguva yemberi.
Mari Inoshandiswa Nevadzidzi Sei?
Zvikwereti zvevadzidzi zvakasiyana nokuti zvakagadzirirwa kubhadhara dzidzo yako yepamusoro.
Chii chinoita kuti ivo vakasiyana?
Mari dzinodhura: chikwereti chevadzidzi chinowanzobhadhara mari shoma kupfuura mamwe marudzi ezvikwereti zvaungagona kuwana. Zvinonzi zvikwereti zvisingabhadhari, uye hurumende inotarisira kuchengetedza zvikwereti. Nharaunda dzinowanzogadziriswa , saka haufaniri kunetseka pamusoro pekuchinja kwakanyanya mune zvaunoda mari, uye kufarira kunogona kunyange kubhadhara (kana kubhadhara nehurumende).
Kubvumirwa nyore: vakawanda vadzidzi havana mari yakakwirira yokubhadhara mabasa kana kukwereta chikwereti . Izvi zvinoreva kuti zvakaoma kukukwereta kunze kwekuti iwe ukashandisa chikwereti chemudzidzi. Sezvo iwe chikwereti chako chekutanga, idzi zvikwereti zvichakubatsira iwe kugadzirisa chikwereti (chimwe chikonzero chakakosha kukwereta zvakanaka - unoda kutanga kuruboshwe rworudyi). Zvimwe zvikwereti zvevadzidzi zvinowanikwa pasina chekuongorora chechikwereti, asi vamwe vanoda chikwereti chakanaka.
Batsiro panguva yekubhadhara nguva: kubhadhara ndiyo chikamu chakaipisisa chechikwereti chipi nechipi, asi vadzidzi vechikwereti vanogona kupa vamwe vakwereta-vane hukama hunoita kuti zvive nyore. Mari inoshandisa zvirongwa zvehurumende ndiyo yakanakisisa, asi vamwe vateresi vari voga vanoda kubatsira. Nezvikwereti, iwe haufaniri kutanga kutora kusvikira usiri kuchikoro, uye mune dzimwe nguva, iwe unofarira mari ichabhadharwa iwe paunyoresa kuitira kuti chikwereti chako chikwereti hachiwedzere .
Kana iwe uchinzwa kupera kwebasa, iwe unogona kukwanisa kuita zvikwereti kusvikira uwana basa (rinozivikanwa sekushaya basa ). Nharaunda yaunobhadhara pazvikwereti zvako ingangodaro inobhadhara mutero (chengeta nemutero wako wekugadzirisa mutero). Pakupedzisira, unogona kutora zvikwereti zvako zvakakanganwirwa kana kubviswa shure kwemakore gumi ekubhadhara, zvichienderana nebasa rako.
Federal neChikoro chaVadzidzi Vadzidzi
Iwe unogona kukwereta kune chero chikwereti chaunoda. Zvisinei, zvikwereti zvinopiwa kuburikidza nemarongwa ehurumende zvinowanzoita bheji yako yakanakisisa, uye iwe unofanira kushandisa iyo zvikwereti kutanga. Zvikwereti zvehurumende (kana kuti "Direct Loans") zvinowanzove zvipo nezvipo zvakataurwa pamusoro apa. Dzidza zvakawanda pamusoro pezvakanaka zveSweden Student Loans.
Mushure mekunge makwereta zvose zvamunogona kushandisa mari yehurumende, munogona kutendeukira kune vasiri vatengesi kana iwe uchiri kudikanwa.
Vaya vatengesi vanowanzoita mabhanki, zvikwereti zvekweretheni , uye vatengesi vepaIndaneti . Vanogona kutengesa zvikwereti se "chikwereti chemudzidzi," kana kuti vangapa zvikwereti zvakakwana zvaunogona kushandisa chero chaunoda.
Kuti ugone kugamuchirwa nemunhu anokweretesa wega wega, iwe unoda zvakanaka chikwereti uye mari yakakwana yekudzorera chikwereti. Vadzidzi vakawanda havana kana, saka mubereki (kana mumwe munhu ane mari yakanaka uye chikwereti) anowanzoshandira chikwereti kana kuti anokweretesa chikwereti nemudzidzi - izvo zvinoita kuti vanhu vose vane 100% vane mhosva yekubhadhara chikwereti.
Iva nechokwadi chekuverenga zvibvumirano zvako zvekukweretesa zvakanyatsonaka, uye uone kana iwe uine chikwereti chinowirirana chikwereti .
Nzira Yokuwana Mari dzevadzidzi
Kutanga kukwereta, shanyira hofisi yako yekubatsira mari kuti utange kuwana ruzivo. Tsvaga kuti ndedzipi mapeji emubatsiro angave aripo, kusanganisira zvipo uye zvidzidzo. Nhanho yako inotevera ndeyokuzadza fomu yeF FAFSA, iyo inounganidza ruzivo pamusoro pemari yako (hurumende uye kushandisa kwako chikoro kuti ruzivo ruve neruzivo rwako "rubatsiro" rwekubatsira mari). Pedzisa FAFSA yako nokukurumidza sezvinobvira gore rega rega. Ita zvakanakisisa zvaunokwanisa kana uchizadzikisa - iwe unogona kudzokera shure uye kugadzirisa chero zviyero zvinotevera mushure megore.
Kumbira rubatsiro nehofisi yebazi rako rekubatsira mari, uye tarisira mhinduro. Kana ukabvumirwa, iwe unogona kusarudza kutora zvose kana chikamu chebatsiro chiripo, uye iwe unofanira kunge uchida kupedza chirongwa chekutanga chekupa mazano pakudzidza kuti udzidziswe nezvekuti zvikwereti zvako zvinoshanda sei.
Kana uri kuwana zvikwereti zvemunhu oga, iwe unoda kuwana chikwereti uye uzadze chikwereti chekubhadhara chikwereti nemurume uyu.
Mhando dzeVadzidzi vechikwereti
Sezvaunofamba nenzira yekushanda, iwe unoda kuyanana nemhando dzakawanda dzezvikwereti zvinowanikwa kuburikidza nehurumende yeUnited States.
Perkins chikwereti chinofanira kunge chiri chisarudzo chako chekutanga. Zvinotarisa pasi, zvakagadziriswa chidimbu uye inowanikwa kune vakwereta pasinei nechikwereti. Kunyange zvakadaro, ivo vanodiwa-makavakirwa zvikwereti, zvinoreva kuti hazviwanikwi kune vose, uye ivo havana zvishoma.
Zvikwereti zveWorkord zvakare zviri nyore kukodzera, uye zvinopa mari yakawanda kupfuura Perkins mitsva. Mukuwedzera, mari yekuda mari inogona kubhadharwa, uye inowanika kune vadzidzi vakapedza kudzidza pamwe chete nechekudzidzira.
DZIMWE zvikwereti zvakafanana nematarenda akaenzana. Vanoda kudzokorora chikwereti, uye kubhadhara kunotanga nguva pfupi mushure mekubhadharwa. DZIMWE zvikwereti zvemashure anoenda kune vabereki, izvo zvinovabvumira kuvhara mari huru yevana vavo. Mumakore achangopfuura, idzi zvikwereti zvakawana mutsara wakaipa sezvo vabereki vanogona kupedza nguva yeupenyu vachibhadhara PLUS zvikwereti. Dzidza zvakawanda nezve PLUS zvikwereti.
Kubatanidza zvikwereti zvikwereti zvinosanganisira zvikwereti zvakawanda zvevadzidzi muchikwereti chimwe chete. Chigumisiro chiripo chekubhadhara zviri nyore (kubhadhara kumwe kune vakawanda), uye kune zvimwe zvinogona kubatsira. Kubatanidza kunoita zvakasiyana kune zvikwereti zvehurumende uye zvevanhu. Dzidza kusiyana kwakasiyana usati wasarudza kusimbisa kana kusanganisa zvikwereti zvehurumende nezvikwereti.
Kukwereta Zivo
Kana iwe uchikwereta kuchikoro - kana chero nguva muupenyu hwako - zvakakosha kuti uchinzwisise zvidzidzo zvehupfumi zvemashoko. Uri kuwana dzidzo mumunda wako wekudzidza, uye iwe uri kudzidzawo kukosha hutano hwehupenyu.