Usarega Mvumo yekubhadhara chikwereti yevadzidzi ichikukurira iwe
Nzira yekuchenesa zvishoma ingadai iri kutarisa mamiriro acho ezvinhu zvakananga muziso, dzidza zvaunogona kuita, uye ita zvisarudzo zviri nani kune umwe neumwe mamiriro ako. Kutaura zvazviri, Dhipatimendi reUnited States reUnited States rakapa huwandu hunofanirwa-hunoti huchakubatsira iwe kuti uite chirongwa chekubhadhara chikwereti chevadzidzi uye unamatire pairi. Heano maitiro mashomanana ekurumbidzwa kwavo kwekutarisana nemari yako yemari yechikwereti chemudzidzi, asi akawanda aya mazano anoshanda kumunhu wega wega chikwereti.
Ziva Mari Yako Mari
Iwe haugoni kuunza bhajari chaiye kusvikira iwe uchiziva mari yaunotarisirwa kubhadhara pamwedzi wega wega. Kana uchinge uine ruzivo urwu panzvimbo, iwe unogona kuenzanisa nemari yako yaunotarisira uye mari kuti uone kana iwe ungapinda mune kukanganisa. Federal Federal Aid Aid (FSA) ine chekubhadhara chekubhadhara iwe unogona kushandisa kuti uverenge mari yemari yekubhadhara pasi pezvakasiyana siyana zvekugadzirisa hurongwa hurongwa hwekubhadhara.
Kana iwe uine chikwereti chemari chikwereti, vazhinji vavo vanopa zvikwereti zvakafanana zvekubhadhara kuitira kuti iwe uwane kukwanisa kuverenga mari yaunenge uchiita.
Dzidzai Mutero Wekubhadhara
Nehurumende yemari yekubhadhara chikwereti, une sarudzo yekugadzirisa chirongwa chekubhadhara asi iwe unofanira kutendera chikwereti chako servicer kuziva kuti iwe uchange uine chikamu mune chimwe chezvirongwa izvi.
Kana zvisina kudaro, iwe uchange uchinyoresa muurongwa hwemazuva gumi ekubhadhara, apo mari yepamwedzi inogona kunge yakakwirira kudarika iwe iwe uchakwanise kutenga. Zvimwe zvirongwa zvekubhadhara chikwereti chevadzidzi zvinogona kuwedzera nguva yekubhadhara, zvishoma nezvishoma zvinokwidza mari yakakodzera, kana kuti kuwedzera purogiramu yekubhadhara inobva pakubata kwako. Kana ukasarudza chimwe chezvirongwa zvekubhadhara mari, unofanirwa kuramba uchitaura nehomwe yako servicer maererano nemari yako. Iwe unogonawo kusarudza kuva nechikwereti chako servicer chengetera kuti purogiramu yakadini-yakagadzirirwa yakakunakira iwe. Ingoziva kuti chimwe chezviisarudzo izvi chinogona kuguma kukukwereta mari yakawanda mubhadharo rose pamusoro penguva refu.
Unofarira Basa Rinoitirwa Vanhu? A
Kana uchigadzirira kuenda mubasa rinoitirwa vanhu vose, unoda kuziva kuti Hurongwa hwePublic Service Loan Forgiveness (PSLF) huchakanganwira mari yakasara paMitero yako Yakatungamirirwa mushure mekunge maita chikwereti chekubhadhara mwedzi makumi maviri nemaviri pasi pegadziriro yekubhadhara yakakodzera pakushanda nguva yakazara nokuda kwekushandira. Muchiitiko ichi, zvingava zvine musoro kushandisa kune imwe yezvirongwa zvemari yekubhadhara mari, zvichienderana nekuwanda kwemari yaunotarisira kuwana. Kuti ubatsire kuziva kana uri kusangana nezvinodikanwa kuti uwane chirongwa ichi, unofanira nguva nenguva kuendesa Chikwangwani Chebasa rePublic Service Loan Forgiveness fomu.
Mushure mokunge maita zvekubhadhara mwedzi miviri, iwe unoda kutumira shanduro yePLLF.
Funga nezvekubhadhara mari
Kupfuura makore mana, iwe ungangodaro wakatora mari yakawanda yevadzidzi kubva kune vakawanda servicers. Zvinogona kuva zvakaoma kuchengeta zvose zvepa pepa uye mari. Zvinogona kuve zvakananga kusimbisa wepa federal mudzidzi wako chikwereti mubhadharo yemwedzi mumwe chete. Iwe unofanirwa kuisa mazano ekubatanidza zvakananga kushandiswa kwekombiyuta kana pepa sarudzo. Zvose zvinoshandiswa zvinoitwa zvinotora anenge maminitsi gumi. Iwe unogonawo kuongorora kufungidzira iwe wega wega mudzidzi chikwereti kune chikwereti chimwechete zvakare.
Iwe Unogona Kuita Mitsva Yekugadzirisa?
Kana une bhaji rebhangi raunogona kugadzirisa kuti uite zvikwereti zvinoshandiswa, iwe unogona kukodzera kuwana 0.25 muzana yekutora mutengo wekutora kune yako federal mudzidzi chikwereti paunonyora.
Bvunza chikwereti chako servicer kana sarudzo iyi iripo.