A Basic Basic Stafford, Perkins uye PLUS Mikopo
Kwete chete havasi vose vechikwereti vechikoro vakagadzirwa zvakaenzana, asi vamwewo vanozivikanwa zvikuru kupfuura vamwe. Rudzi rwega yega yehurumende yemari yechikwereti yepurogiramu yakasikwa kuti iwane zvido zvemapoka chaiwo evadzidzi. Kunzwisisa kusiyana kwepurogiramu yezvikwereti zvevadzidzi kuchave zvakakosha mukukubatsira kuronga hujiji yako mari yakarurama.
Izvo zvikamu zviviri zvakakosha zvezvikwereti zvevadzidzi ndeaya anotsigirwa nepurogiramu yehurumende yehurumende uye iyo inowanikwa kuburikidza nevakweretesa vega.
Izvo zvikwereti zvinopiwa kuburikidza nemarongwa ehurumende kazhinji zvichabatsira zvikuru kune vadzidzi vanokwereta kupfuura mari dzezvikwereti .
Iko inonyanya kukosha yehurongwa hwemari yehurumende yekufungisisa ndeye Stafford Loan, Perkins Loan, uye PLUS chikwereti.
Stafford Loans
Stafford Loans ndiyo inonyanyozivikanwa zvikuru yehurumende purogiramu yechikwereti sezvo vachipa zvikwereti kune zvose zvingabhadharwa uye zvisingabatsiri. Mune mamwe mazwi, unogona kushandisa Stafford Loan kuti ubatsire kubhadhara kukoreji pasinei kana iwe usina mari yaunoda.
The Stafford Loan inowanikwa kune vose vari pasi pedduate uye vapedza kudzidza vari kunyora chikamu chehafu yenguva. Izvozvi marudzi ehokodhi anowanikwa pasi pemari yakawanda gore (freshman, sophomore, etc.), pamwe chete nemakore ose akabatanidzwa.
Vadzidzi vanoshandisa chikwereti ichi vanovimbiswa kune imwe yezvishoma zvekutora chikwereti pamusoro pehupenyu hwechikwereti chavo uye vanobvumirwa kurega kubhadhara kusvikira mwedzi mitanhatu mushure mekupedza chikoro.
Kune mufaro wevakwereka vakawanda, Stafford Loans haisi pasi pekubhadhara chikwereti.
Perkins Loans
Perkins Loans yakagadzirirwa kubatsira vadzidzi vane mari inoshamisa, uye vadzidzi vazhinji havazokwanisi kuwana maPerkins Loans. Saizvozvowo neWashord Loans, Perkins Loans inogona kushandiswa kune zvose pasi pepayimire uye kudzidza zvidzidzo.
Perkins Loans inowanikwa pasi pepakati pepakati uye nguva yeupenyu yekukwereta asi haina mari yekutanga. Perkins Loans inogamuchirawo mari inonyanya kuderera. Uyezve, kufarira nezvezvikwereti izvi kunobhadharwa nehurumende apo mudzidzi achiri kunyora kuchikoro.
PLUS Mikopo
ZVIMWE zvikwereti zvinobvumira vadzidzi kana vabereki kukwereta mari yakakwana kuti vabhadhara mari ipi zvayo isingasangana nemamwe mapurogiramu emari. Muchidimbu, vanokubvumira kuti ubhadhara zvachose ekoroji uye pasina mari iri kunze kwehomwe nhasi. Zvisinei, kubhadhara kwako kwekutanga kunogona kunge kwakakodzera mazuva makumi matanhatu kubva pakubhadhara chikwereti.
PLUS Maripo inotarirwa nehuwandu hwemari yakakwirira kupfuura (7.90- 8.50 muzana) uye inogona kutarisirwa nemari inotangira kusvika 4 muzana. Vanodawo chikwereti chakanaka uye havakwanisi kushandiswa muzvigadziro zvavo zvekubhadhara.
Zvipo
Zvikwereti zvevadzidzi ndeimwe yezvipo zvikuru uye iri nyore kuwana mapurogiramu muhurumende yeUnited States. Kunyange zvazvo ichi chiri chekubatsira kune vakawanda vachitsvaka dzidzo, inowedzerawo zvinetso kana mishonga inofanira kutanga.
Usati wanyanyisa zvikwereti zvako zvechikwereti, iva nechokwadi chokuti unonzwisisa zvipo zvinowanikwawo kuburikidza neDhipatimendi Rezvidzidzo zveUnited States ( Pell Grants ) uye neimba yako yekugara.
Izvi zvipo zvipo zvipo zvisingambodi kubhadharwa.