Eligible Educational Institutions

Dzidza Pamusoro Pokuputsa Kwemitero Ingazoshandisa Chidzidzo Chekubhadharwa

Imwe mitero yemitero inoshandiswa pakurega kubva kune mamwe marudzi eakaiti (semasangano 529, Roth IRAs , kana kuti kubviswa kwekutanga kubva kuIRAs nguva dzose ) kana mari iri kushandiswa pakukwanisa kudzidzira mari yekubhadhara kune chikwereti chakakodzera chekudzidzisa . Mitemo iyi inogona kuuya yakajeka kana iwe uchida kubatsira kubhadharira yako yekoroji, kubhadhara chikamu chechipiri, kubhadhara koroji yemwana, kana kubhadhara chikoro chezukuru.

IRS inotsanangura chikero chakakodzera chekudzidzisa se:

"... chero yunivhesiti, yunivhesiti, chikoro chevashandi, kana chimwe chikoro chemashure chekondari chakakodzerwa kubatanidzwa mumapurogiramu emabatsiro evadzidzi anotungamirirwa neDhipatimendi reZvondo reUnited States.Inosanganisira vose vakagamuchirwa, vanhu vose, vasina ruzivo, uye vepfuma (vari voga kubatsira-kuita) postsecondary masangano.Ichikoro chekudzidzisa chinofanira kukwanisa kukuudza kana chiri chikoro chakakosha chekudzidzisa. "

Kana uri kutarisa dzidzo yakawedzerwa iwe kana nhengo yemumhuri bvunza chikoro chekudzidzisa kana ichionekwa sechikodzera pasi pemirairo ye IRS. Iwe unogonawo kutarisa dhipatimendi reDhipatimendi reZvondo reUnited States kuti urongwa hwezvikoro zvakagamuchirwa uye mapurogiramu.

Maitiro Ekuti Mutero Wekodzero Unoshanda Sei?

Kutanga kusunungurwa kunotorwa kubva kuIRA (kubvisa mari isati yasvika makore 59 1/2) kuchasunungurwa kubva kune 10% yemutero wechikwereti kana iyo inoshandiswa pamari yepamusoro yepamusoro yezvidzidzo inoitwa kuchikoro chekodzero yakakodzera.

Ichi ndicho chimwe chezvisizvo kune IRA kutanga kutora mutero wekutengesa . Dzidzo yekubhadhara iwe iwe, mudzimai wako, mwana kana muzukuru vese vanogona kukodzera.

Mukuwedzera, 529 hurongwa hunosiya huchave husina mutero kana huchishandiswa pamari yepamusoro yezvidzidzo zvemari. Kana mwana wako akawana rubhadharo, iwe unogona kutora chikamu kusvika kuchiyero chekubhadhara chikwereti pasina-asi mitero yemari inoshandiswa inoshandiswa munyaya iyi yekuregera.

Mukuwedzera kune chirango chisina-kana kusabhadhara mitero kune mamwe marudzi emaakaiti, kana uri kuripa chikoro pane chikoro chekudzidzisa chakakodzera iwe unogona kukodzera kubhadhara mutero.

Tsvaga kana Iwe Unokodzera Kudaira Imari Imari Chekwereti

Iwebsite ye IRS inoshandisa dzidzo yekodhi yemari yekubhadhara iyo inogona kukubatsira kuziva kana iwe uri kukodzerwa nemutero wechikwereti. Zvinotora anenge maminitsi gumi kuti apedzise.

Iwe uchafanira kusarudza:

• gore remutero kubvunza pamusoro,
• nzvimbo yako yekunyora (isina kuroora, kuroorwa, nezvimwe,)
• kana iwe unonzi unomiririra kune umwe muteresi,
• kana chikoro chako chikatora pane zvidzidzo zvevadzidzi,
• kana mudzidzi wacho akanyoresa hafu yenguva,
• kuziva kuti ndiani mudzidzi ari kune munhu anozadza tsvakurudzo,
• apo chaizvoizvo mari yemari yakabhadharwa,
• uyo akabhadhara mari,
• inobvunza kana chikamu chipi zvacho chemari chaibhadharwa nemari isina kubhadhara mari,
• kana zvipi zvadzo zvakapiwa,
• zvingave kana kuti kwete kugoverwa zvakakodzera kubva kuAppdell Education Savings Accounts kana Kudzikodzera Kudzidza Zvidzidzo zvakashandiswa,
• zvisinei kana kuti kwete mari yezvedzidzo iri pamutero unodzokera kune imwe nzvimbo,
• kana patova nemakore mana ekupedza chikoro chechikoro chechikoro chekorosi (college degree)

• Gore rakapera Ruramisiro yeGross Income (AGI,)
• zviwanikwa zvekunze kune dzimwe nyika,
• Fomu 8903 firimu yekugadzirwa kwemombe,
• kukodzera kubvunzwa kune mumwe mubhadhadzi wekubhadhara.

Kuteerera mitemo yekwereti uye kubhadhara mitero pakubhadhara dzidzo kunogona kukubatsira kuchengetedza mari nekubhadhara kukiraji kunodhura.