Kubhadhara Chikoro

Iyo Yepamusoro Inotungamirira Maripo Yevadzidzi

Kana iwe usina mari yakakwana yokubhadhara chikoro chekoroji kunyange mushure mekudzidzira zvikoro, zvipo, uye rubatsiro rwezvemari, zvikwereti zvevadzidzi zvinogona kuva zvingakubatsira kuti uvhare chikamu. Zvikwereti zvevadzidzi zvakagadzirirwa kukubatsira kubhadhara mari yekudzidzira nemari yakakweretwa kuitira kuti iwe uite kuti kurota kwako kwekoroji ive zvechokwadi.

Kunyange zvazvo vechikwereti vechikoro vave vakajaira mumazuva ano, kuchine zvakawanda zvekuvhiringidzika pamusoro pekushanda kwavo uye zvingasarudzwa zviripo.

Ndeupi rudzi rweMari yeVadzidzi Yakapiwa kuvadzidzi?

Kana uchida zvikwereti zvevadzidzi, kune zvingasarudzwa zviviri kwauri:

1. Zvikoro zvehurumende chikwereti
2. Private student loans

Zvikoro zvehurumende zvehurumende zvinopiwa neDhipatimendi reZvondo reUnited States uye ndiyo zvikwereti zvinowanikwa kwauri mushure mokuzadza FAFSA (Free Application ye Federal Federal Aid Aid). Parizvino, pane maviri mapurogiramu emari ekubhadhara mudzidzi anowanikwa:

1. William D. Ford Federal Direct Loan Program
2. Federal Perkins Loan Program

Pasi purogiramu yeRondon Loan, pane marudzi mana ezvikwereti zvinowanikwa kuvadzidzi:

1. Mhanho Yakatarisa Inotarisirwa
2. Tora Mutero Usina Kubhadharwa
3. Tarisa PLUS zvikwereti
4. Kubatanidza Nheyo Mhiko

Zvikwereti zvakaderedzwa uye zvisingabvumirwi zvikwereti zvinowanikwa kune vanodzidza pasi uye vadzidzi vekudzidzira vanoratidza kudiwa, asi PLUS zvikwereti zvinowanikwa kuti vapedze vadzidzi kana vabereki. Kubatanidzwa kwakananga chikwereti kunowanikwa kuvadzidzi vari mubhadharo uye vanoda kubatanidza zvikwereti zvavo mumwedzi mumwe chete wokubhadhara.

Vadzidzi vega voga zvikwereti zvinopiwa nebhangi nemamwe masangano emari.

Vadzidzi vasina ruzivo rwakakwana rwekubhadhara mari yekuwana chikoro vanogona kutsvaga mari yevadzidzi vasiri voga kuti vagovhura mari iri mune mari.

Iwe Unowana Sei Mari Yomudzidzi?

Nzira yehurumende yemari yekubhadhara chikwereti uye yega yega mari yechikwereti yakasiyana.

Kuti uwane chikwereti chemudzidzi wehurumende, unofanira kuzadza Free Application ye Federal Federal Aid (FAFSA) naOctober 1 . Zvakakosha kuziva kuti kunogona kunge kune nguva dzakasiyana dzemamiriro ako enyika pamwe nekoroji yako.

Kana imwe nguva FAFSA yako ichigadziriswa, iwe uchagamuchira mubairo wako pamwe chete nemari yechikwereti yevadzidzi iwe unokodzera. Panguva ino, unogona kushandisa FAFSA4caster kuti uone kuti rubatsiro rwenyika runogona kuwanika kwauri.

Kana iwe ukawana zvipo zvako zvekubhadhara chikoro chemudzidzi, iwe unopinda Master Promissory Note, iyo inobvumirana nepamutemo inotaura kuti iwe uchadzorera chikwereti chako chemudzidzi.

Kuti uwane chikwereti chemunhu wega wega, iwe unoda kuziva bhenji rekuno, chikwereti chekambani kana sangano rezvemari rinopa zvikwereti zvevadzidzi vari voga. Kana ukasarudza mupi waunoda kuenda naye, iwe uchada kuzadza shanduro. Vakawanda vanovigira chikwereti chevadzidzi vanodikanwa vanoda kuti iwe uve nemudzidzisi.

Kazhinji, vabereki vako vanogona kubatanidza chikwereti chenyu, asi zvakakosha kuziva kuti vashandi vekambani ndivo vane mhosva yepamutemo kumudzidzi wako chikwereti kana iwe usingakwanisi kubhadhara. Paunosarudza mudzidzi wemuzvikwereti wemudzidzi wega, ona kana ivo vabvumirane kusunungurwa sekusarudza.

Nharaunda Dhibha dzeMari Yevadzidzi

Paunotora chikwereti chemudzidzi, uri kukwereta chimwe chikamu kuti uvhare chikoro chako. Zvisinei, iwe uchabhadharawo chibereko, izvo zvinogona kuwedzera. Kufarira kunotorwa nemunhu anokweretesa sepurogiramu kuitira nyore kukwereta mari.

Vashandi vehurumende vechikwereti vakaisa mari yekutora zvinoreva kuti havazoshandisi panguva yekubhadhara kwenyu. Nhamba yezvibereko inogadzwa neCongress gore negore.

Pari zvino, musangano wekubhadhara chikwereti chikwata ichi:

• Mamiriyoni Anokwidziridzwa Akananga: 4.45 muzana
• Mutungamiri Wechibhadharo Usina Kubhadharwa: 4.45 muzana
• Tungamira Mutero Usina Kubhadharwa (mudzidzi wechikoro): 6 muzana
• Tarisa PLUS Mikopo: 7 muzana

Kunyange zvazvo hurumende yemari yezvikwereti ine chikwereti chekuda, chikwata chemari chikwereti, kune rumwe rutivi, inogona kunge yakagadzikana kana yakasiyana inokwidziridzwa mutengo .

Fixed interest rate inoramba iri yakafanana munguva yakareba, asi kushandiswa kwechirwere kunogona kuchinja zvichienderana nemamiriro emisika. Mumwe nomumwe wega wega wega wega wekukweretesa chikwereti achange akave nemari yakasiyana. Kusiyana kukuru pakati pehurumende uye yega yega chikwereti chikwereti ndeyekuti pachedu mudzidzi wechikwereti chikwereti chezvikwereti zvinowanzobva pachikwereti chako.

Kana uine chikwereti chakanaka, iwe unogona kutora chikwata chemuzasi. Vadzidzi vese havana ruzivo rwakawanda rwechikwata chenhoroondo, ichi ndicho chikonzero vazhinji vadzidzidzi vega mari yezvikwereti vanoda mubatanidzi.

Kana wako mushandi ane chikwereti chakanaka, iwe unogona kunge wakakodzerwa nehuwandu hwechikwereti.

Kufarira kunogona kuwedzera kune chikwereti chako chemari chikwereti, saka zvakakosha kunzwisisa kuti kufarira kunobata sei kubhadharwa kwako kwose. Iwe unogona kushandisa chido chekuverenga kuti uwane pfungwa iri nani yekuti kufarira kwako kudii kuchaita kuti uwandu hwako huvepo.

Kudzokorora Options

Zvikwereti zvevadzidzi zvinokubatsira kuti uvhare mari paunenge uri kuchikoro. Kana wapedza kudzidza, inguva yekubhadhara chikwereti chako chemudzidzi.

Vakawanda vehurumende yemari yekubhadhara chikwereti vane mwedzi mitanhatu yenyasha apo iwe haufaniri kuita chero chikwereti chemari yevadzidzi. Saka mune mamwe mazwi, mari yako yokutanga yekubhadhara chikwereti ingangove mwedzi mitanhatu mushure mekupedza kudzidza - imwe nguva munguva yekupera kwekupedzisira kana yekutanga kwechando, kana iwe ukapedza mukati megore. Kana iwe uchikwanise kuzvipa, iwe unogona kubhadhara panguva yenguva yenyasha uye kuderedza muzvibereko. Vadzidzi vega vega mari yechikwereti vangave vasina nguva yenyasha, uye vanozovimba nemutapi.

Kana nguva yako yenyasha yapera, iwe unotanga rwendo rwako rwekubhadhara . Mari yako inobva pane chirongwa chako chekubhadhara.

Vashandi vehurumende yezvikwereti vanokweretesa vanobhadhara muchirongwa cheRew Payment Plan, iyo inopa mudzidzi makore gumi kubhadhara chikwereti chavo. Nhau dzakanaka kune dzakawanda zvirongwa zvekubhadhara chikwereti chevadzidzi uye iwe unogona kuchinja zvirongwa chero nguva.

Heino zvakanyatsotarisa kusarudzwa kwekubhadhara chikwereti chevadzidzi:

• Purogiramu yeKubhadhara . Fixed payments pamusoro pemakore gumi nemakore.
• Dhipatimendi Rokubhadhara Rakapedza Kudzidza. Maripo inotanga kuderera uye inowedzera makore maviri ose pamusoro pemakore gumi.
• Yakawedzerwa Rudzikinuro Rwendo. Yakagadziriswa kana kuti yakapedza chikoro pamakore makumi maviri nemashanu.
• Revised Pay Pay Sezvaunowana (REPAYE). Maripo ndeye 10 muzana yemari yako uye iwe unogona kubhadhara makore makumi maviri nemashanu. Panguva iyoyo, imwe yakasara yakasara icharegererwa. Unofanira kukodzera purogiramu.
• Chengetedza Sezvaunowana Purogiramu Yokubhadhara (PAYE) . Mishonga ndeye 10 kubva muzana yemari yako yekuwana kwemakore makumi maviri. Panguva iyoyo, imwe yakasara yakasara icharegererwa. Unofanira kukodzera purogiramu.
• Nheyo-Yakadzikidzwa Kubhadharwa Kwepurogiramu (IBR) . Mishonga ichava 10 kusvika ku15 kubva muzana yemari yako yepakati kwemakore makumi maviri nemashanu. Panguva iyoyo, imwe yakasara yakasara icharegererwa. Unofanira kukodzera purogiramu.
• Inotora-Inowanikwa Kudzokorora Purogiramu. Mitsara inowanikwa 20 kubva muzana yemari yaunowana kana chiyero chakashandurwa kune yako yaunowana, chero zvishoma. Nguva yekubhadhara ndeye makore makumi maviri nemashanu. Mushure mokunge, imwe yakasara yakasara icharegererwa. Unofanira kukodzera purogiramu.
• Inowanikwa-Sensitive Repayment Plan . Kubhadhara kwako kwakatorwa zvichienderana nechikamu chemari yako yegore negore, inoshandiswa nemutengi, uye nguva yekubhadhara yemakore gumi nemashanu. Iyi sarudzo haisi kupa chikwereti chekwereti.

Chimwe nechimwe chezvirongwa izvi zvine zvinyorwa zvayo uye zvinodiwa, naizvozvo zvakanakisisa kutaura nemari yako yehurumende kuti uone zvirongwa zvaunofanirwa nazvo kana uri kutarisa kuchinja zvirongwa. (Cherechedzo: Chikwereti chako servicer hachisi chakafanana neunokweretesa wako. Anokweretesa ndiye akapa mudzidzi wako chikwereti, asi chikwereti chako servicer isangano rinotarisira chikwereti chako chemudzidzi.)

Iwe uchabhadhara chikamu chiduku chekufarira kana iwe ukasunga neHurumende Yokubhadharwa Kwepasi uye iwe unobhadhara zvakanyanya kana iwe ukasarudza Purogiramu Yokubhadhara Yakaderedzwa. Kana iwe uchinetseka nezvekupa mari, chirongwa chinotungamirirwa nemari ndicho chakanakisisa chekutengesa kubhadhara chikwereti chako chemari chikwereti.

Zvirongwa izvi zvinotora kubhadhara kwako zvichienderana nemari yako uye mune dzimwe nguva zvinogona kuva zero madhora (hongu, chaizvoizvo). Pamusoro pezvo, vanopawo chikwereti chemari yechikwereti mushure memakore makumi maviri kusvika kumakumi maviri nemashanu, izvo zvinokwezva kune chikwereti chevakwereta vechikoro.

Kunyange zvazvo kukanganwira chikwereti chevadzidzi kuchikoshesa kune vakawanda vakwereta, zvakakosha kuziva kuti iwe uchabhadhara mutero pane chero kukanganwirwa chikwereti chevadzidzi. Purogiramu yekuregerera chete uko iwe haufaniri kubhadhara mutero ndeyePublic Service Loan Forgiveness Program, chisarudzo chechikwereti chikwereti chikwereti mubasa revanhu.

Vadzidzi vega voga zvikwereti vane zvishoma zvingasarudzwa zvekubhadhara uye zvinowirirana zvichibva kune chikwereti. Kubva padziviriro yevadzidzi vechikwereti vanobva kumabhizimusi ega, vanoisa mitemo yekubhadhara. Zvakakosha kuziva zvakajeka zvingashandiswa pakubhadhara.

Kana zvasvika pakusarudza hurongwa hwako hwekubhadhara, unoda kuwana chimwe chinhu chinoshanda nebhajheji yako, saka chiverenga iwe unotarisira mwedzi wose. Uyewo, ivai nechokwadi pamusoro pekuda kwatingazobhadhara neimwe hurongwa. Zvirongwa zvishomanana zvinoreva kubhadhara kukuru, kushandiswa kuduku apo nguva refu yekubhadhara ichapa zviduku zvishoma, asi iwe uchabhadhara zvakawanda mukufarira.

Kana iwe uchida kuchinja hurongwa hwako hwekubhadhara, kana kuti uri nekutora matanho ekubhadhara, taurira chikwereti chako servicer pakarepo kuti uone kuti ndezvipi zvinoshandiswa zviripo.

Chii Chinoitika Kana Ndisingakwanisi Kubhadhara Mari Yangu Yevadzidzi?

Sezvokubhadhara chikwereti chemudzidzi, iwe unofanirwa kubhadhara chikwereti chako chemudzidzi munguva yakatarwa muurongwa hwako hwekubhadhara. Asi zvakadini kana iwe usingakwanisi kubhadhara chikwereti chako chemudzidzi? Saka chii?

Kana uri mubhadharo wemari wechikwata chikwereti, une zvimwe zvasarudzo.

Chokutanga, iwe unoda kuona kana iwe uchikwanisa kuronga purogiramu inotora mari. Kana iwe zvechokwadi usingakwanisi kubhadhara, mari yako inogona kuva zero madhora uye iwe unenge wakamira zvakanaka nemari yako.

Iwe unogonawo kufunga kufungidzirwa uye kushivirira sekusarudza pamwe chete. Pasi pemasarudzo aya, unogona kuisa zvikwereti zvako pause kwenguva yakatarwa.

Zvisarudzo zvako zvekuzvimirira zvinokonzera zvichienderana nemamiriro ako ezvinhu, asi iwe unogona kutarisa kubhadhara kwako kusvika kumakore matatu kana iwe usingashandi kana kuti uine dambudziko rehupfumi. Pasi pekutaura, iwe ungasafanira kubhadhara chikwereti chinowedzera panguva yekuderera.

Kusiyana neizvi, chikwereti chenyu chaicho chichawedzerwa kufarira panguva iyo iri pasi pekutarisana. Kune marudzi maviri ekushivirira:

1. General Forbearance
2. Zvinotenderwa Kushivirira

Pasi pemwoyo murefu, unogona kudzorera mari yako kusvika kumwedzi gumi nemaviri. Vanokwereta vari kutambura mune zvemari, kuchinja mumamiriro avo emabasa kana kuti mari dzisingabhadharwi mishonga vanogona kukwanisa kushivirira.

Zvinoregererwa zvisiri izvo ndezvevadzidzi vanosangana nezvimwe zvido, sevaya vari muchiremba kana mazino chirongwa chekugara kana kushanda mu National Guard kana America. Kune avo vanofanirwa, unokwanisa kudzorera mari yako kusvika kumwedzi gumi nemaviri.

Pasinei nokuti unoda kutsvaga kukanganisa kana kushivirira, unofanirwa kukumbira maitiro aya ekubhadharwa nemari yako yausungwa. Iwe unofanirwawo kuramba uchibhadhara kusvikira iwe uchibvumirwa kune imwe yeizvi.

Kana iwe ukarega kubhadhara chikwereti chemudzidzi wako uye usataurirana nemari yako servicer, zvikwereti zvako zvichava kudengesa. Mushure memazuva makumi maviri nemaviri, zvikwereti zvako zvichapinda .

Kuva wakakwana kunogona kukuvadza chikwereti chako, uye yako chikwereti servicer ine kodzero yekugadzirira mubairo wako pamwe chete nemutero wako wekubhadhara kuitira kuti udzorere chikwereti. Iwe unoda kudzivisa izvi, saka kazhinji taurira chikwereti chako servicer kutanga kana iwe usingagoni kubhadhara chikwereti chako chemudzidzo kumashure.

Ndingaita Sei Kuti Ndichengetedze Mari Pamutero Wangu Womudzidzi?

Zvikwereti zvevadzidzi zvinogona kuwedzera zvakanyanya uye kutora kukura kukuru kubva mubhadharo yako. Kana iwe uchida kuchengetedza mari pamusoro pemudzidzi wako chikwereti, ungaitei?

Zviratidzo zvekubhadhara motokari. Zvikwereti zvakawanda zvinoshandiswa zvinopa 0.25 muzana yekutora mutengo wekutora kana iwe ukasayina kuti uite zvikwereti. Zvechokwadi, iwe unoda kuve nechokwadi kuti une mari yakakwana mukutarisa kwenyaya yako, kuti urege zvinhu zvakadai sekubhadhara mari.

Dzorerazve mudzidzi wako chikwereti. Vadzidzi vako vehurumende vakwereta zvikwereti vakaisa mari yekutora. Saka iwe ungaitei kana iwe usina kufara nemari yako? Iwe unogona kugadzirisa chikwereti chako chemudzidzi nekambani yega yega kana sangano rezvemari. Nokugadzirisa, iwe unobhadhara chikwereti chako chekare chemari chikwereti uye unogamuchirwa kuti uwane chikwereti chitsva, tine tarisiro yakanaka. Kunyorera pfupa shomanana pachidimbu chako chekufarira kunogona kukubatsira kuti uchengetedze mari, zvichiita kuti zvive nyore nyore kutarisa pakero yako huru. Zvisinei, kubatanidza hurumende yemari yezvikwereti inogona kuuya nekunonoka .

Sarudza Mutero Wemusangano Mutero Kukanganwira. Kana iwe ukashanda munharaunda yevanhu uye ukabhadhara kwemakore gumi, iwe unogona kukodzera kuHurumende yeHurumende yekuKuregerera. Pasi purogiramu unogona kuwana zvikwereti zvako zvose zvakakanganwirwa. Bonus: Iwe haugoni kubhadharwa pamakero ako akakanganwa, kana.

Sarudza Purogiramu Yekubhadharwa Kwekuda. Purogiramu yeSewing Repayment ine nguva shomanana yekubhadhara, iyo ichakubatsira kuchengetedza mari muchibereko.

Bhara kupfuura zvishoma. Iwe uchava nebhadharo shoma zvichienderana neurongwa hwekubhadhara kwako. Asi iwe unogona kuripa kupfuura izvozvo! Kana iwe uchikwanise kuibhadhara, kuripa zvinopfuura zvishoma uye kuchengetedza mari kune chikwereti uye kubva pane chikwereti mangwanani.

Shandisa nzira yeAvalanche. Chikwereti chinowanzoita zeroes muhomwe yepamusoro yevadzidzi vechikwereti kutanga, pavanenge vachibhadhara zvishoma pane zvese. Saka, somuenzaniso, kana iwe uine zvikwereti zvepasiduate uye chikoro chekupedza chikoro, unofunga nezvekubhadhara pasi PLUS yako zvikwereti kutanga uye kubhadhara zvishoma pane zvese. Kubhadhara zvikwereti neinonyanya kufarira kunogona kukuchengetedza mari munguva.

Chii Chinoitika Pashure pokunge Ndibhadhara Mari Yangu Yevadzidzi?

Paunenge uchiita chikwereti chako chekupedzisira kune chikwereti chako servicer, unoda kuva nechokwadi chokuti unosanganisira kufarirawo. Kana iwe usingaiti, iwe unogona kuita zvaunofunga kuti iwe urikubhadhara kwako kwekupedzisira, asi zvino uchine chikwereti chemuda wezita mukufarira. Iwe unogonawo kutora chikwereti chako servicer kuti unoda kubhadhara chikwereti chako zvachose.

Kana uchinge waita, iwe unofanirwa kugamuchira tsamba kubva kumudzidzi wako chikwereti servicer achitaura kuti zvikwereti zvako zvakabhadharwa zvakakwana. Chengetedza tsamba iyi yezvinyorwa zvako. Mushure memwedzi kana maviri, iwe unoda kuongorora AnnualCreditReport.com kuti uone kuti inotaura kuti zvikwereti zvako zvinowanikwa pane yako rekwereti yemari.

Mushure mokubhadhara chikwereti chemudzidzi wenyu, munogona kupemberera uye kutanga kuisa mari yenyu mukuchengetedza uye kuisa mari.