Mashandisiro Aungaita Kudyirwa Kwebasa
Nguva dzose yakanakisisa kuramba uchingobhadhara zvikwereti (iwe unofanirwa kuribhadharira pakupedzisira), asi izvozvo zvingasava zvingasarudzwa panguva dzisina basa.
Maitiro Kusagadzikana Kwebasa Kunoshanda
Kusagadzikana kwebasa kunokubvumira kuti urege kurega kubhadhara mari yako yevadzidzi kana iwe usingashandi.
Tsanangura kusashanda: iwe haufaniri kunge iwe usina kushandiswa kuti uwane kukodzera. "Kusashaya basa" kunokonzerwa nekushanda maawa masere makumi matatu pavhiki (kana mamiriro ayo mauri kushanda nguva yakazara, asi basa haritarisirwi kupedza mazuva anopfuura 90).
Usati warega zvikwereti: kutanga kusarudzwa (uye rega kuita zvikwereti) iwe uchada kushandisa uye unokodzera - hazvisi zvoga. Kana iwe ukarega kubhadhara nguva pfupi, iwe unogona kukuvadza kukuvadza chikwereti chako .
Shingairira kuregererwa: kuti uite hurumende, shingairira kuregererwa nemari yako servicer (kambani yaunotumira mari kumwedzi mumwe nomumwe). Sezvaunogona kutarisira, iwe uchada kuzadza mafomu uye unokumbira kuti zvikwereti zvako zviitwe zvishoma.
Mvumo yekufananidza: iwe uchada kunyora nyaya yako kuti uwane.
Pane nzira mbiri dzekuti iwe unokodzera: unopupura kuti uri kushingaira kutsvaka basa, kana kuratidza kuti iwe unokodzera kune chimwe chinhu chakadai sehupfumi hwehupfumi hwehurumende.
Kana ukangobvumirwa: unogona kurega kubhadhara apo iwe unogamuchira shoko rechibvumirano kubva kune chikwereti chako servicer. Zvisinei, iwe unoda kuramba uchitarisana nemukwereti wako servicer.
Mhando dzezvikwereti: federal student loans, iyo inowanzova yakakwereta-yakabatana , inopa mukana wakanakisisa wekushaiwa basa. Peji ino inonyanya kuvhara mitemo yekuregererwa kwemari yehurumende. Vanokweretesa vari voga vanogona kukubvumirawo kudzorerazve kubhadhara, asi mitemo inogona kusiyana. Taura nehomwe yako servicer kuti uwane mamwe mashoko.
A Free Lunch?
Iwe unogona kumira kugadzira zvikwereti muzvinyorwa, asi chido chazvino chinogona kukwaniswa kumaakaunti ako. Kana iwe wakabhadhara zvikwereti , chikwereti chichabhadharwa iwe. Asi zvakadaro, nezvikwereti zvisingabhadharwi, iwe unenge uchida kubhadhara mari yekutora mari yemwedzi wega wega kana kuwedzera iyo inofarira mari pamusoro pemari yako yezvikwereti ( inozivikanwa sekusimudzira kufarira ).
Kuwedzera mari yekufarira zvinogona kuita sekunakidza - iwe unogona kutarisana naro gare gare - asi izvi zvinogona kutengesa. Chikwereti chako chemari chikwereti chichawedzera. Somugumisiro, iwe uchafanirwa kubhadhara zvawakakwereta uyewo kufarira kwakavakwa panguva yekuregererwa (pamwe iwe uri kubhadhara chikwereti kune chido chinowedzera kune chikwereti chako).
Chengetedza kufarira kunogara: panguva yakatarwa, iwe unofanirwa kuva nechipo chokubhadhara chikwereti chako chekuda mari mwedzi mumwe nomumwe . Izvi zvingadai zviri mubhadharo maduku kupfuura chikwereti chako chawakarongwa, uye kazhinji kacho kuchenjera - kuchaita kuti chikwereti chako chirege kukura.
Urefu hweKupomerwa
Kuzvidzivirira kwako kuchaenda mumwedzi mitanhatu yekufamba-mhanya: mwedzi mitanhatu, iwe uchada kudzokera zvakare kuti urambe uri mukutenderera - izvi hazvisi nyore. Izvozvo zvinoreva kuti iwe unofanira (zvakare) kuisa zvinyorwa uye unopupura kuti iwe uchiri kushingaira kutsvaga basa kana kugamuchira hurumende inobatsira. Kana mvumo yako yekutanga yakagadzirwa pamberi paJuly 1, 1993, kutora kwako kuchagara kwemakore maviri - kunze kwekuti kutadza kwako kunogona kusvika makore matatu.
Kana uchinge wakashanda zvakare, chirevo chako chinofanira kuguma, uye iwe unoda kutanga kutora zvakare. Taura neunokupa chikwereti uye uvazivise kuti hausisiri kukodzera kubhadhara.
Kana iwe uchiri kukwanisa kubhadhara mari yako, taurirana nemutengi wako usati watanga kutadza kubhadhara .
Panogona kunge kune dzimwe nzira, kusanganisira mamwe maitiro ekuregererwa kana kuchinja kune chikwereti chako uye kubhadhara.
Kutsvaka Basa
Kuti urambe uri mukutaura, unoda kushingaira kutsvaka basa. Nenzira, izvi zvinotsanangurwa se "zvisingaiti" zvitanhatu kuedza kuwana basa mumwedzi mitanhatu yapfuura. Zvakanakisisa kuchengeta zvinyorwa zvekuedza kwako pakuwana basa.
Zvinosuruvarisa, iwe haugoni kungoita basa raunofunga kuti rakakodzera - vakawanda vanokweretesa vanoda kuti iwe utore chero basa raunogona kuwana, pasinei nemari inowanikwa kana matarisiro emabasa.
Kana iwe uchikwanisa kubhadharwa nehupfumi hwehupfumi hwako, iwe unogona kunyora kukodzera kwako kwekuregererwa nekuratidza kuti ikozvino unogamuchira zvibatsiro kubva munharaunda yako.
Iko kusarudzwa kwemazuva ano kwekushanda kunofanira kushanda sehunobudirira.
Vatengesi vanogona kugara vachikumbira chero mamwe magwaro avanofunga kuti anodiwa, saka chengetai marekodhi akanaka pane chero nyanzvi dzekugadzirisa basa, nyora chero mapurogiramu emabasa iwe uri kutora nawo, uye gadzirira kugadzirisa zvese zvaunenge uchiita.
Zvimwe nzira dzokusagadzikana kwebasa
Kuparadzana hakusi iwe chete sarudzo panguva dzekushaiwa basa (kana kuderedza basa). Ongorora zvose zvaunosarudza - iwe unogona kunge usina kukodzera kugadziriswa kana iwe ungaona kuti haisi kukodzera kwakakodzera.
Mapurogiramu ekubhadhara mari inobhadhara mari anogona kuita kuti kubhadhara kuri nyore nyore kana mari yako iri pasi. Mitsara inotarirwa zvichienderana nemari yaunowana ikozvino, uye iwe unogona kutokwanisa kudarika zvikwereti kusvikira wava kudzoka netsoka dzako.
Kushivirira ndeimwe nzira yekurega kubhadhara kwekanguva, uye iwe unogona kukwanisa kushivirira kana kusagadzikana kusati kwasarudzo.
Taura nemutengi wako kune dzimwe nzira. Zvichienderana nemamiriro ako ezvinhu, unogona kukodzera mamwe mapurogiramu. Somuenzaniso, basa rechiuto kana kuremara kunogona kukuita kuti uwane zvimwe zvikomborero.
Kuwana imwe chikwereti kubhadhara chikwereti chemudzidzi wako kungave kuchiedza, asi kune ngozi. Iwe unongowedzera chikwereti chako mutoro, uye iwe unogona kukanganisa kuwira mune chikwereti chemhepo . Kurukura nemutengi wako uye tsanangura mamiriro ako usati wapinda mukati mechikwereti.