Kushandisa Maridzo Yevadzidzi Kubhadhara Makoroji Inobatanidza Mhinduro Dzakanaka uye Tough Choices
Vadzidzi vekusekondari vanowanzotarisa zvikoro zveLiv League kana mazita makuru emayunivhesiti uye vanofunga kuti, "Ndizvo zvangu." Zvinofadza kuva nechinzvimbo chakakwirira, asi chokwadi chinogona kuiswa nyore nyore. Zvikoro zvezita guru zvinowanzouya nematengo makuru-matikiti.
Vamwe vadzidzi vangawana mari yakawanda yekubhadhara mari iyo inowedzera zvizhinji zvekudzidzisa kwavo nekuda kwevadzidzi vavo, mitambo kana unyanzvi. Dzimwe vadzidzi vangave nevabereki vanogona kukwanisa kukoreji, kana kuti ndiani akachengetedza mari kuburikidza nehurongwa-hwakakosha hurongwa hwekuponesa 529.
Asi kune vadzidzi vazhinji vari kuchikoro yekodhi kazhinji kunosanganisira kubhadhara mari kuburikidza nemari yechikwereti yevadzidzi . Kunyange zvazvo chikwereti ichipa ruzivo rwekubatsira kusangana nezvinangwa zvenguva pfupi, kutora chikwereti chakawanda kunogona kuva nemigumisiro yakaipa yemari munguva refu.
Iwe Ungakwereta Mari Yakadini Mari Mari Yevadzidzi?
Yeuka kuti kune marudzi maviri ezvikwereti zvevadzidzi - federal uye yega. Zvakanakisisa kuwedzera mari yakakweretwa kuburikidza nehurumende yemari yechikwereti kutanga vasati vashandura kune vakweretesa vega. Iye zvino musangano wevadzidzi vechikwereti chikwereti mipera ndeye:
- Vadzidzi vekudzidzira pasi vanogona kukwereta kusvika ku $ 5 500 pagore muPerkins Loan zvichienderana nekushaiwa mari, chiyero chemamwe rubatsiro rwakagamuchirwa, uye kuwanikwa kwemari yekoroji yakasarudzwa kana yechikoro chekushanda. Mari yePerkins Mibairo ishoma, saka faira FAFSA nokukurumidza. Vadzidzi vekudzidzira pasi vanogona kukwereta pakati pe $ 5,500 uye $ 12 500 pagore muZvitsinhanisi Zvakatambiswa Zvikwereti kana Mitsara Dzakasununguka Zvisina Kubhadharwa zvichienderana nezvimwe zvinhu.
- Vadzidzi vakapedza kudzidza vanogona kukwereta ku $ 8,000 gore roga roga muPerkins Maripo zvichienderana nemari yekuda mari, chiyero chemamwe rubatsiro rwakagamuchirwa, uye kuwanikwa kwemari kune yekoroji yakasarudzwa kana chikoro chebasa. Vadzidzi vakapedza kudzidza vanogonawo kugamuchira kusvika ku $ 20 500 gore roga roga muZvikwereti Zvisingakwanisi Kubhadharwa. Vadzidzi vakapedza kudzidza vanogona kunge vakakodzera kubhadhara zvakasara zvevadzidzi vavo yekoroji mune Direct PLUS Mikopo, zvichienderana nekugutsa kugutsa kwekwereti chekwereti.
- Vabereki vevadzidzi vanogara pasi pegorosi vanogona kukwereta mari kuburikidza neHURUSI Maripo yekuvhara zvakasara zvekoroji mari dzisingabatanidzwi nedzimwe rubatsiro rwezvemari, zvakare zvichienderana nekugutsa kugutsikana kwekuongorora chikwereti.
Pane hupenyu hwehupenyu hwehupenyu hwehuwandu hwemari inogona kugamuchirwa kuburikidza ne federal student loan. Kana chikwereti chose chisina kubhadhara mari yekuenda kune imwe yekoroji, vadzidzi nevabereki vanogona kutendeukira kumusika wevadzidzi vezvikwereti kune vamwe mari. Ramba uchiyeuka, zvakadaro, kuti vateresi vega vega vanobhadhara mitero uye mitemo yekubhadhara inogona kukanganisa nguva yakareba yemari yemari.
Unofanira Kubhadhara Mari Yakadini Mari Nezvikwereti Zvevadzidzi?
Izvi zvinowanzova mubvunzo wega woga kupindura, uye imwe inofanirwa kunyatsoongororwa nemhuri imwe neimwe. Edza kusanganisa manzwiro ekuda kuenda kune imwe yejiji uye chokwadi chekugona kuripa. Chengeta zvinhu izvi mupfungwa paunosarudza mari yakawanda sei yokukwereta kuburikidza nezvikwereti zvevadzidzi:
- Iwe uchakwereta mari yakawanda sei? Tsvaga kuti zvinotora nguva yakawanda sei vadzidzi kuwana dhigirii yepayunivhesiti kubva kuyejiji iri kuongororwa, vozoona kana mudzidzi wako achida chikoro chekupedza kudzidza kupinda rimwe basa. Izvi zvinofanira kukupa pfungwa yakajeka yekuti uchada kubhadhara makore mana kusvika gumi, kana kupfuura, kuti inogona kutora kuti ipedze dzidzo.
- Iwe uchafanira kubhadhara zvakadini? Hurumende yehurumende inopa muenzanisi wekubhadhara iyo ichakupa pfungwa yakanaka yebhadharo yemwedzi unozodiwa pashure pokunge wapedza kudzidza.
- Ndiani achaita mari? Vamwe vabereki vanofara kutora chikwereti chevadzidzi, asi vamwe vanoda kuti vadzidzi vavo vatore mutoro. Enzanisa zvikwereti zvinotarisirwa pamusoro pemari inotarisirwa yeavo vanobhadhara chikwereti.
- Zvakakodzera here? Kana zvikwereti zvinenge zvichifungidzirwa zvichange zvichikonzera kushungurudzika kwemari, mhuri inofanirwa kuongorora zvaunogona kuita. Mudzidzi angada kuenda kune imwe yekoroji yemunharaunda pakutanga kana imwe yekoroji, mhuri inogona kudhonza pamwechete kuti iwane mari yakawanda, kana mudzidzi anogona kuwedzera kutsvaga kutsvakurudza kuti awane mari yakawedzerwa.