Nguva Yokutanga Kuvhima Kwemutengo Wakanakisisa Wokubhadhara Kwevadzidzi
Sezvo vekusekondari vakwegura uye vabereki vavo vanotanga kuongorora tsamba dzavo dzekubvuma uye mabhizimusi ekupa rubatsiro tsamba , vamwe vanoziva kuti vachada imwezve mari yekukwanisa kuwana imwe koroji. Iyi ndiyo apo chikwereti chemudzidzi chinonyanya kubatsira. Zvinogona kunge zvisinganzwisisiki kufunga pamusoro peizvi sechikwereti chevadzidzi "mwaka" nekuti izwi iro rinowanzobatanidzwa nemamiriro ekunze kana kusaka.
Asi iwe unogona kunge uchivhima zvakapoteredza kuti uve nechokwadi chokuti iwe unonyanya kukosha chikwereti chikwereti chiripo.
Chokutanga pane zvose, tarisa mazano ekubhadhara mari mune zvidzidzo chikoro chiri kupa sezvo zvingave zvichisanganisira zvikwereti zvevadzidzi. Usashamiswa kuona mazwi akadai se "Direct," "Anosimbiswa," kana kuti "PLUS" akabatanidzwa muchipo ichocho. Zvakakosha kuti iwe unzwisise kuti rimwe nerimwe remashoko aya rinorevei kuitira kuti iwe unzwisise zvizere mari yaunosungirwa. Hezvino zvinhu zvakakosha zvikuru zvaunoda kunzwisisa maererano nehurumende yemari chikwereti:
- Ndiani ari kukwereta mari? Iwe unofanirwa kunzwisisa kuti ndiani ari kukwereta mari. Kana chikoro chinonyora "Mvumo Yakananga" ipapo mudzidzi ndiye akwereta. Mushure mokunge apedza chikwereti ichi chikwereti chichaonekwa pamushumo wechikwereti wechidzidzi, uye mudzidzi achava nemhosva yekubhadhara. Kana kune "PLUS" chikwereti chakanyorwa, saka vabereki vari kukwereta mari. Izvi zvicharatidzira pamusoro pebato revabereki vechikwereti uye zvingakanganisa kukwanisa kwavo kukwereta mari kune zvimwe zvinangwa. Kana pane mari yakanyanya kudikanwa, mudzidzi angave akakodzera kuPerkins Loan, nechikoro chairo pachake semutengi. Vadzidzi nevabereki vanofanira kukurukura kuti ndiani achava nemhosva yekubhadhara asati atora chero rudzi rwechikwereti chemudzidzi.
- Ko kufarira kunoderedzwa here? Nokuda kwe "Mutero Wakananga" danho rinotevera nderokuona kana rakabhadharwa kana risina kutsigirwa. Kana iri rubatsiro, Dhipatimendi reUnited States reUnited States rinobhadhara kufarira apo mudzidzi ari kuchikoro. Kana chikwereti chacho chisina kubhadharwa, mudzidzi ndiye ane mhosva yekubhadhara chikwereti panguva dzose. Iwe unogona kusarudza kusabhadhara panguva yaunenge uine chikoro, asi chikamu chekufarira chinoramba chichiunganidza uye chichawedzerwa kumutengo mukuru kuti ubhadzwe paunopedza kudzidza.
Kana mari yako yekubhadhara mari inosanganisira mari yevadzidzi vezvikwereti, iwe uchafanira kusarudza kana iwe usingagamuchiri mari iyi kana kuti kwete. Kana iwe ukadaro, tsvaga ruzivo mune tsamba iyo yaunofunga nezvayo. Kana iyi ndiyo nguva yako yokutanga kugamuchira Direct Loan, iwe uchazodiwa kuti upedze kugovera mazano uye usayine Master Promissory Note (MPN), uchibvumirana nemitemo yemutero.
Chengetedza Pamwe Chete Yevadzidzi veMari Chikwereti
Mushure mokunge mapepa emari ekubhadhara mudzidzi akashandiswa kune zvinotarisirwa mari yekoroji, zvichiri kuitika kuti mari yakawanda ichadiwa. Apa ndipo paunoda kutsvaga mari yega yevadzidzi vekubhadhara, zvakadai seKutsvaga Student Loans. Pano zvakakosha zvikuru kuunganidza ruzivo kubva kune zvimwe zvinyorwa kuitira kuti iwe uenzanise mikana kune umwe neumwe.
Kana uchifananidza chikwereti chemari yega yega, iwe unoda kunzwisisa kana chikwata chekufarira chikagadziriswa kana chakasiyana, uye kana kufara kunofanirwa kubhadharwa mukati memakore ekuchikoro kana kana kunogona kuderedzwa. Imwe chikwereti chemari yega yega inogonawo kudikanwa kuti vabatane sevamwe sezvo pane imwe nzira yakasimba yekudzidzira. Tsvakurudza zvaunosarudza zvakanyatsonaka uye iwe ucharova chinangwa apo uchivhima zvikwereti zvevadzidzi.