Mari Inoshandiswa Inokuchengetedza Iwe Mari Inokosha Mukufarira
Pamusoro pekupa chiziviso, iwe ungangoona chimwe chinhu seRondedzero Yakatemerwa, Direct Unsubsidized Loan, kana PLUS Loan. Aya ndiwo marudzi akasiyana ehurumende yemari chikwereti . Zvakakosha kuti iwe unzwisise kusiyana pakati pavo, sezvo vanogona kukanganisa mari yaunenge uchida kudzorera nayo mumugwagwa.
Zvikwereti zvisingabatsiri uye zvisingabatsiri ndezvemapurogiramu ezvesipiro zvevadzidzi vevadzidzi vakakodzera izvo zvakagadzirirwa kubatsira kubhadhara mari yepamusoro yevhigiriji mune imwe yekoroji kana yunivhesiti, yejijijijiji, kana yebhizimisi, basa, kana chikoro chekorosi. Muchikwereti chairo chaibhadharwa, hurumende yehurumende inobhadhara chikwereti apo mudzidzi ari mujijiji kana kuti chikwereti chiri mukuregererwa. Izvi zvakasiyana chaizvo nezvikwereti zvisingabatsiri, apo inotanga kufarira kuwedzera nokukurumidza kana chikwereti ichibviswa. Kunyangwe iwe unogona kukwanisa kurega kubhadhara chido ichi kusvikira apedza kudzidza, iwe uchiri kukwanisa kubhadhara chikwereti chose chekufarira chinowedzera iwe uchiri kuchikoro.
Ndinosvika kwenguva yakareba sei Ini Ndichifanira Kubhadharwa Nemutero Wakatarisana Muchidimbu?
Mitsara inowirirana yakaderedzwa inowanzowanika kuvadzidzi vepascheduate vane mari yakawanda inoda. Chikoro chako chinopa mari yaunogona kukwereta zvichienderana nemashoko akapiwa mu FAFSA yako. Iko mari inowanikwa inogona kunge isingapfuuri mari yako inoda mari.
Kana iwe uri wokutanga chikwereti kana kana mushure meJuly 1, 2013, pane muganhu wepamusoro yehamba yezvidzidzo zvekuti iwe unogona kugamuchira Imari Yakaninikidzwa Miripo. Mutemo mukuru ndewekuti iwe unogona kuwana zvikwereti zvingabhadharwa kwe 150% yehutano hwakareba hwepurogiramu yako yezvino yechikoro. Inonzi "yako yakakwana yekugadzirisa nguva."
Somuenzaniso, kana iwe uri kutsvaga dhigirii yepabheti mune purogiramu yemakore mana, asi wakashandura mukuru wako uye waida nguva yakawanda usati wapedza kudzidza, unogona kugamuchira zvikwereti zvinotsigirwa kwemakore masere okuchikoro. Kana iwe uchienda mugore rechinomwe, iwe haungakwanisi kuwana zvikwereti zvinowanikwa zvakatsigirwa. Mushure memashoko iwayo, hurumende icharega kubhadhara chikwereti kune zvikwereti iwe uri kuchikoro.
Ndingakwereta Zvakawanda Sei Nechikwereti Chine Mari?
Yunivhesiti yako ichasarudza marudzi emari yako yaunokodzera kugamuchira panguva yegore rechikoro. Chikwereti chako chemari chikwereka kubva pasinei nokuti uri mudzidzisi kana mudzidzi akazvimiririra, gore ripi rauri iwe, uye mamwe rubatsiro rwemari rwakagamuchirwa. Zvose zviripo zvinogona kuchinja gore roga roga.
Ndinowana Sei Mari Yangu Yakatsigirwa?
Yunivhesiti yako ichakutumira iwe ruzivo rwokuti ungagamuchira sei chikwereti chemari nemari yako yepabatsiro. Iwe unogona kunge uchizadza Master Promissory Note (MPN) iyo inotsanangura mazwi ekukweretwa uye kubhadhara uye inogona kudikanwa kupinda mazano ekupinda kuti uone kuti unonzwisisa zvikwereti zvako paunotora chikwereti.
Kana chikwereti chagadzirira kubhadharwa, chikoro chinotanga kutora mari yakakodzera yeunodzidza, mari uye nzvimbo uye bhodhi. Kana pane mari yakasara, ichadzorerwa kwauri nokuda kwekuda kwako zvidzidzo, zvakadai sokutenga mabhuku kana zvimwe zvinodhura.
Ko kana ini ndisingadi mari yandinopiwa?
Kana chikwereti chako chemari chikakosha kupfuura iwe chaunoda, unogona kubvisa zvose kana chikamu chayo nekusvika kune imwe hofisi yekubatsira mari. Iva nechokwadi chekuongorora nheyo yako yemashoko, sezvo pane nguva dzakawanda dzinotora nguva dzemazuva uye mafomu iwe uchada kuina kuti uregere chikamu chipi zvacho chechikwereti.
Mari yako yekubhadhara inotanga mushure mekunge wapedza chikoro, kana kana ukangomira kuva mudzidzi wenguva yakazara. Borrow chete izvo zvaunoda, uye nyatsorongoronga mberi, naizvozvo mari yako yaunotora pamwedzi haisi yepamusoro pekuwana mari yako yeramangwana.