Mhanho isina kubhadharwa: Tsanangudzo (Chikoro Chevadzidzi)
Nhanho yekutanga yekugadzirira chero rupiro rwemari yekubhadhara mari iri kupedza FAFSA kana Free Application ye Federal Federal Aid Aid. FAFSA yegore ra2018-19 yevadzidzi richava paIndaneti kutanga musi waOctober 1, 2017. Pakupera, iwe uchagoverwa pfungwa yakawanda yeAxpected Family Contribution, kana EFC. Mashoko ako eFaFSA anobva atumwa kumakoroji ako akasarudzwa, ayo anopa mumwe nomumwe purogiramu yemari yekubatsira mari. Vadzidzi vanofanira kutanga vatora zvidzidzo uye zvipo zvisingafaniri kubhadharwa uye zvakare kune chikwereti chevadzidzi chinofanira kubhadharwa. Tsamba yako yekupa rubatsiro rwezvemari inonyora kukosha kwako kune mamwe marudzi ehurumende yemari yechikwereti. Iwe unogona kuona mazwi akadai se "Direct Direct Subsidized Loan" kana kuti "Direct Direct Unssidized Loan."
Mitsara Inotarisirwa Zvakananga zvikwereti zvinowanikwa kuvadzidzi vanogona kupiwa pasi pedduduate vanoratidza kuti mari inoda kubatsira kubhadhara mari yepamusoro-soro kuyejiji kana kuchikoro chebasa.
Nokuti dzakagadzirirwa kubatsira vadzidzi vane mari, zvikwereti zvakabhadharwa zvine zvinyorwa zvishoma uye zviri nani. Kutora Mari Isina Kubhadharwa zvikwereti zvinogadzirwa kuti zvikwanisire pasi-graduate, vadzidzi, uye vadzidzi vezvesheni, asi munyaya iyi, mudzidzi haafaniri kuratidza mari inoda kupiwa chikwereti.
PLUS, kana kuti zvikwereti zvemubereki, hazvibatsiri zvakare. Heano dzimwe humwe humwe uhu huchada kufunga pamusoro pako apo uchikwereta mari uchishandisa federal student loan:
- Kufarira: Dhipatimendi reUnited States reUnited States rinobhadhara chikwereti paIndaneti Yakaderedzwa Zvakananga apo mudzidzi ari kuchikoro chikamu chinenge hafu-nguva, kwemwedzi mitanhatu yekutanga mushure mekusiya chikoro, uye munguva yekusarudzwa. Vadzidzi vane kodzero yekubhadhara chikwereti paMutero usinganzwisisikwi mari pane nguva dzose. Vangasarudza kusabhadhara chikwereti pavanenge vari kuchikoro, munguva dzenyasha, kana kuti muzvinyorwa, asi kufarira kuchawedzera uye kuwedzerwa kumutengo mukuru wekwereti. Pasinei nokuti chikwereti chinotsigirwa kana kuti chisina kushandiswa chinopa kusiyana kwakakura mumari yemari inokweretwa pakupedza chikoro, kunyange kana uchikwereta mari yakafanana yemari. Nharaunda dzezvikwereti uye zvisingabatsiri pasi pekubhadhara chikwereti chevadzidzi kutanga zvakabviswa kana kuti mushure mokunge 7/1/16 uye pamberi pe7/1/17 zvikava 3.76%.
- Mari inowanika: Kune vakawanda vanovimba nevadzidzi vepascheduate, chikamu chemari chikwereti iri $ 31,000, iyo inenge isingasviki $ 23,000 inogona kunge iri mune zvikwereti zvingabhadharwa. Nevadzidzi vanozvimiririra pasi pegorosi, uye avo vane vabereki vasingakwanisi kutenga zvikwereti zve PLUS, chikwereti chakawanda chikwereti chikwana $ 57,500, uye zvisingasviki $ 23,000 zvingave zviri mune zvikwereti zvinobhadharwa. Mari yechikwereti chemarikiti inobhadhara uye isina chekubhadhara yakakweretwa musi waOctober 1, 2016, uye musati waOctober 1, 2017, inenge 1.069%.
- Kudzokorora chido: Chimiro chinozivikanwa chevadzidzi uye vabereki vanotarisa kuti vabvise "chisimbiso chechikwata" chechikwereti chisingagadziriswi ndezvekuedza kubhadhara chikwereti sezvo ichiwedzerwa mumakore ekugoreji. Izvi zvinobatsira vadzidzi kupinda muitiro wekuita chikwereti chevadzidzi vavo. Vadzidzi vanogona kutanga kuona kuti kufarira kunowedzera sei, kubhadhara kwavanoita, uye chirongwa chipi chekubhadhara chingava chakanaka kwavari mushure mokunge vapedza kudzidza.
- Kudzokorora mukuru: Vose vanobhadhara uye vasingabatsiri vehurumende mari dzezvikwereti vanokodzero yezvirongwa zvakasiyana-siyana zvekubhadhara kusanganisira yepamusoro, yekupedza kudzidza, yakawedzerwa uye inowanikwa mari.
Chikoro chako chichakutaurira kuti ungagamuchira sei chikwereti chemudzidzi chinopiwa. Iwe haufaniri kukwereta mari yose iripo, saka chikwereti chete chaunoda. Mhuri dzinofanira kutora hurukuro dzakananga pamusoro pesarudzo, dzidza zvose zvavanogona pamusoro pezvikwereti zvevadzidzi vasati vatora, uye kunzwisisa kuti kubhadhara chikwereti chevadzidzi kuchakanganisa sei upenyu hwavo hwemari huri mune ramangwana.
Shandisa chikwata chekubhadhara chikwereti chemudzidzi kuti uenzanise kubhadhara pashure pokunge wapedza kudzidza.
Kazhinji Misspellings: zvikwereti zvisina kubhadharwa