Usatora iyi College College Mistake ...
Ikoko, ichirindira kumashure kwefungwa dzemubereki wese kana zvasvika pakakoroji kuchengetedza:
"Chii chinoitika kana tikachengetedza mari iyi yose, uye inopedzisira kudzivirira vana vangu kuti vawane rubatsiro rwemari rwavanoda kuchikoro? Izvozvo zvichaguma zvichititambudza kwenguva refu here? "
Izvo zvinotyisa, asi uchionga, kukosha kwako kwekoroji kune zvishoma zvingakonzera pamaropafadzo ako emangwana ekubhadhara mari. Kana yava nguva yekutanga kubhadhara koreji, iwe uchafara uchishingaira kuponeswa mune ramangwana rako.
Kojiji yako yekuchengetedza ine mari shoma pamabhadharo ekubhadhara mari, asi zvakanyanya kubatsira mhuri yako munguva refu.
Muchikamu chino, tinokurukura kuti 529s inoshanda sei, rubatsiro rwemari runoshanda sei, uye kuti vaviri vacho vanoshanda sei pamwe chete. Kudzidza zvakawanda pamusoro pekuti rubatsiro rwezvemari runoshanda sei hunoona maonero ehutano kwenguva refu ehutano uye hunoratidza kuti hurongwa hupi hunokwanisa uye hahugoni kukuitira iwe.
Maitiro 529 Plane Anoshanda
Paunotanga chirongwa cha 529, unoisa mari pachedu zvakanakira dzidzo yemwana wako; rudzi urwu rwekambani ine zvimwe zvakanakira mitero kune mamwe mari. Kana imwe mwanakomana wako kana mwanasikana wako akagadzirira kuchikoro, mari yawakapa pamwe chete nemari yaunokura inogona kushandiswa kubhadhara koroji.
Kunyange kana iwe uchiwana rubatsiro rwemari, mhuri yako inoda kugovera kuhoji yako yekoroji. Chirongwa cha 529 chinoita kuti iwe uwane mari yakagadzirira uye yakamirira apo iwe uchida iyo yekoroji yako mari. Zvose zviviri makumi mashanu nemakumi mashanu ekuchengetedza kwako uye mamwe emari yako anoshandiswa apo rubatsiro rwemari runotarirwa, uye mitezo yemhuri yako inotarwa.
Iyo nzira inotanga neFoFSA yekushandira rubatsiro rwevadzidzi.
Reza FAFSA
Iso Free Application ye Federal Federal Aid Aid (FAFSA) ndiyo yekushandiswa inoshandiswa nemhuri kushanda kuRussia rubatsiro yekoroji, kusanganisira zvipo, zvikwereti uye basa-kudzidza mari. FAFSA inotungamirirwa neUnited States Department of Education uye inopa kudarika $ 150 mabhiriyoni kune vadzidzi vekoroji gore negore.
Iwe unofanirwa kupedzisa FAFSA kunyange kana iwe usingazivi kuti unokodzera rubatsiro rweGerald kana chikwereti. Zvizhinji zvevashandi uye masangano anoshandisa fomu iyi yakagadziriswa kugadzirisa zvidzidzo uyewo rubatsiro rwemari.
Pane imwe nguva FAFSA yako yakapera, iwe uchaziva mari yemhuri yako inotarisirwa kugovera kuchikoro chemwana wako. Chiyero ichocho, chinonzi "Chinotarisirwa Mhuri Contribution" kana EFC, chinoshandiswa kutsanangura kuti rubatsiro rwevana vako ruchawana sei. Rubatsiro runowanikwa kwauri runobva pane zvinodiwa zvokupinda (COA) chikoro chawakasarudza.
Kunyange zvazvo chirevo ichi chichishanda pamapepa, mari yezvemari iyo inowanzopiwa mari inowanzosakwana pakuzadza chikamu. Imwe rubatsiro rwemari inogona kubatanidza mari (iyo haifaniri kubhadharwa zvakare) uye zvikwereti asi haingati ivhare mari yako yose. Chikoro chegorosi chinouya nenzira yakakodzera pane ino, zvichikubvumira kuti iwe ugadzirise kusiyana pakati peAAA neEFC yako.
529 Plani uye Financial Aid
Iwe wakasika chirongwa cha 529, wakawedzerwa kwauri nokutendeka uye mukunda wako akagadzirira kuenda kune yake yepamusoro yesarudzo yechikoro. Chikamu ichocho chichakubatsira iwe kuti ubhadherereji yekoroji, asi iyo ichava nehuwandu hwekuita pamutengo wako wekubatsira mari. Izvo zvose muridzi wehupfumi uye nyaya yako yemhuri inowanikwa kana iwe uchitarisa hurongwa hwako 529 uye kuti huchaita sei mari yako yakareba kwenguva refu.
Ndiani Anopa Purogiramu 529?
Zvinhu zvako zvikamu zvekuenzanisa apo rubatsiro rwako rwemari rucharongwa, uye chirongwa chekuponesa 529 chinoonekwa sechinhu. Izvo uhu hwehupfumi hwezvinhu izvi uye huchava nehuwandu hwehuwandu hwekuguma kwako kupa. Vabereki vemazana vanoverengerwa zvakasiyana nedzidziro zvevadzidzi, saka iwe kana iwe, mubereki ane pachake iyo inobatsira zvikuru pasi rako:
Kuverenga Mhuri Yako Inotarisirwa Mupiro:
| Asset Type | Impact paEFC |
|---|---|
| Mubereki-Akapiwa | Kusvika kusvika 5,64 kubva muzana |
| Mudzidzi-Akapiwa | Kusvika 20.00 muzana |
Kana mubereki ane compte ye299, 5.64 muzana chete yemari yakachengetedzwa inotarwa apo EFC yako inotarirwa, zvichiita kuti pave nemari yakawanda yekubatsira mari yemudzidzi. Zera remhuri rinoitawo basa; nguva yemubereki mukuru kune imwechete inogona kukonzera kuti 529 mari yako yekuverenga inotarisana nevana vako yekukoroji mari, maererano neSouth News uye World Report.
Iwe 529 College Savings Impact yako EFC
Iko mari yakawanda yakawanda inobatsira sei mari yako yekubatsira mari? Iko kunobva pauwandu hwehupi hunochengetedza, zvimwe zvinhu zvako uye kunyange imba yako yehukuru. Kutarisa pamhuri mbiri dzinofungidzira kunoratidza kuti imwe nhoroondo 529 yekuchengetedza ingakanganisa sei mari yekoroji.
Vose Smith nevana Jones vane vana vachienda kuchikoro chimwechete gore rino; Dzidzo inodhura $ 50,000 pagore. VaSmith vakachengeta $ 75,000 muurongwa we 529; Jones haana kumbokombotanga kutanga nhoroondo yekuchengetedza zvachose. Mhuri mbiri idzi dzine purogiramu yakafanana uye yemhuri.
Kune vaSmith, kuva nehomwe iyo yakawedzerwa kunoreva kuti mari yavo yemhuri inoenda zvishoma; kuti mamwe mazana $ 75,000 mukuchengetedza zvinoreva kuti EFC yavo yose yegore rokutanga rechikoro i $ 9,826, vachishandisa EFC nokukurumidza calculator uye mari inosvika $ 70,000. Vanodzinga mari inodiwa kubva kurongwa hwavo 529 hwokubhadhara gore rechikoro.
Kune mhuri yeJones isina mari, EFC yegore rimwechete rokutanga ingadai iri $ 7 970, uchishandisa calculator uye yakafanana yemari uye vemhuri nhamba.
Kuponesa Kana Kusachengeta?
Vaponesi vemhuri ye Smith vanoona kuti mari yavo 529 inokanganisa mari yavo yekubhadhara mari ne $ 1,800 gore negore; vanoshandisa mari yakaponeswa kubhadhara EFC yavo gore rega rega. Pamagumo emakore mana echikoro, vana vavo vakadzidza zvishoma kana vasina chikwereti chechikwereti chevadzidzi sezvo mari yaivepo yekubhadhara kuchikoro.
Mhuri yaJones haina kuchengetedza mari asi yakagamuchira madhora madhora ane zana negumi nematanhatu mune rubatsiro rwemari kupfuura kuponesana nevamwe. Chido chekuvhara EFC yavo uye kuita kudaro nemari yechikwereti chevadzidzi. Apo mwana wavo apedza kudzidza, anoita kudaro ne $ 50,000 muzvikwereti zvevadzidzi uye anoda kutanga kutanga kuvabhadhara zvakare mushure megore yekupedza.
Chinokosha chekoroji yekuchengetedza ndechokuti mari yaunosarudza pane imwe chirongwa cha 529 ichaita kuti zviduku zvisiyane pamubhadharo wako wezvemari gore rimwe nerimwe, asi kuva nehomwe iyo mari inowanika ichaderedza zvikuru mari yezvikwereti zvevadzidzi iwe unoda kushanda gore rimwe nerimwe .
Izvi zviyero zvinoshandiswa kune mari bedzi inotengeswa muurongwa we 529. Kubva kubva pakubhadhara mari yako, kubatisisa mari mubhuku rekuchengetedza nguva dzose hakuzowani iwe unobhadhara mutero mumwe chete kana kupa mhindu imwechete apo iwe wakagadzirira kubhadhara chikoro.