Kushandisa Form 1040-A Inogona Kuita Mudzidzi Nezvido Zvisviko Test
Chii Chinonzi Chidimbu Chinodiwa Test?
Kufanirwa kweZvinodikanwa Zvitsva Test (SNT) zvinoreva kuti mudzidzi wekoroji angagamuchira mari yakawanda yekubatsira mari.
Vateresi vangave vachizobatsirwa nekuita maitiro avo ekutsvaga kana kutora fomu 1040 refu panzvimbo iyo vanogona kuona kubatsirwa kukuru nekuisa fomu shoma kana kuita kudaro kuchaguma nekuwedzera mari yekubatsira.
"SNT ndiyo mubvunzo 34 pane fomu yeF FAFSA," maererano naRivkah Schweke, mutariri akanyoresawo anoshanda semubatsiri wezvemari. "Chinangwa chemubvunzo ndechekuona kana mari ichaverengerwa kana kusarudzwa muItarajiwa Family Contribution (EFC) kuverenga. EFC inomiririra mari yakawanda iyo hurumende inonzwa kuti mudzidzi nemhuri vanogona kukwanisa kupa chikamu kuchikoro chake Izvi zvichitaura, iyo yakaderera nhamba, zvishoma iwe unotarisirwa kubhadhara.
Vadzidzi nevabereki vanofanira kunge vasina mari inodarika $ 50,000 mukugadzirisa mari yakawanda kuti vawane SNT muna 2018. Imari yenyu inotengwa inofanira kunge isingadariki $ 100,000 kuti iwane chikamu cheFomu 1040-A , pakati pezvimwe zviyero.
Vabereki vakagadzirisa mari yakawandisa mari inopfuura madhora 50 000 vachada kufunga nezvekushandisa Fomu 1040-A panzvimbo yeFomu 1040 yakanyanya kuitira kuti vasarudze zvinhu zvavo zvekugoverwa kwemhuri.
Ndezvipi Zvakakosha Pakusangana Nezvido Zviri nyore Test?
"SNT inobata chipo chinotarisirwa mumhuri (EFC) kuverenga," Rivkah Schweke anoenderera mberi.
"EFC iri nyore kunzwisisa, ngatitange nekutsanangura 'kudiwa.'
KUDA KUTENDA
Pashoma (-): KUTSVIRWA KWEMHURI MUMHURI
Kuenzana (=): NEZVEDZO ZENYU
"Izvo zvakakosha zvinodiwa, pasi peEFC, uye EFC yakaderera ndeyemashoko akanaka, inoshandura mune zvidimbu zvakadzama-zvinobva kuhurumende uye zvipo zvehurumende uye zvikwereti zvevashandi vechikwata zveWorkord . kuchikoro.Kana EFC yako iri zero, iwe uri mukana wekugamuchira iyo yakakwana yakagamuchirwa yemari yekubatsira mari. Uyezve, zvikoro zvinoshandisa nhamba iyi senzira yekutsanangurira kuti mari yakawanda yekubatsira mari inoda kupa chii.
"Dzimwe nguva mhuri ine EFC yakaderera inogona kutumira mwana wavo kuchikoro chinodhura zvikuru nokuti chikoro chinowedzera mari inobatsira mari yekubhadhara mudzidzi kubva kune EFC shoma."
The Simplified Needs Test uye EFC Calculation
Asi EFC inoratidzika sei kutanga? Apa ndipo panoshandiswa SNT.
"SNT inosarudza kana mari inosanganiswa kana kusabviswa kubva kuEFC kuverenga," maererano naSchweke. "Ngatitii mari yemubereki iri $ 50,000. Izvozvo hazvirevi here kuti, zvichireva, mubereki aigona kuva ne $ 49,999 mune chikwereti chemari uye $ 1 mamiriyoni muzvinhu uye pasina imwezve mari kubva mubasa asi achiri kukodzera kuhurumende yemari yekubatsira nekuti mari ichasarudzwa?
"Izvi zvinowanzoitika kupfuura iwe unogona kufunga .. Muenzaniso wakakwana ungave amai vakarambana vanogara mumba mavakatenga pavakaroora baba vevana vavo Iye zvino anonyora asina kuroorwa uye ane mari yakaderera. uye itemize.Asi izvozvo zvingasava nzira yakanakisisa yokuti aende mumamiriro ezvinhu aya.
"Yeuka kuti 'mari yekoroji' shoma 'mhuri yemari' inokwana 'mudzidzi inoda'? Ngatitorei zvishoma uye tiise izvi nenzira iyi:
VABEREKI VATONGOZERA
CHIDZIDZO CHOKUDZIDZA KUBVA MUZVIMBO +
CHIDZIDZO CHOKUDZIDZA KUBVA KUBVA MASAREMI =
KUVARIDZWA MHURI KUTEERERA
"Zvino zvinova pachena kuti sei zviri nani kubvisa zvinhu zvemwana."
Inosvitsa sei 1040A kana 1040EZ Rubatsiro?
"Ichangobva kuve nevatengi vanofanirwa nemiganhu yemari yatinenge tichikurukura," Schweke anoti. "Pasina kuchinja chimwe chinhu chekuwana kana mari, takangochinja Fomu 1040 kuFomu 1040A semutero wemubereki.
IEFC inodonha kubva pa $ 20,000 kusvika zero mukanyangadza kweziso. $ 20,000 pagore kakawanda makore mana ndeyekuchengetedza kwema $ 80,000 kune mumwe mwana. "
Izvi zvakarurama munyaya, asi mhuri imwe neimwe yakasiyana uye saizvozvo ndiyo mari yavo. Zvakakosha kuongorora kana itemizing kana kuisa fomu refu ndeyepamusoro uye kana pane zvikwereti kana kuti zvitsauriro zvingatorwa pane 1040 izvo zvingapfuura kubatsirwa kwekubatsira mari. Chimwe chiitiko chinogona kunge chiripo kana mwana ari kuenda kunharaunda yevoruzhinji yunivhesiti kana kojiji.
"Kana mudzidzi ari kushanda kuchikoro chega, chikoro chichave chakakwirira kwazvo," Schweke anotaura. "Munyaya iyi, zvingava zvakakosha kuti uongorore rudzi rwekubhadhara mari mune zvedzidzo chikoro chinopa. Dzimwe nguva vanove vakapfuma chikoro, zviri nani kudzidza.
"Iri basa rakawanda, asi kuwana iyo EFC pasi inogona kuchengetedza makumi ezviuru zvemhuri, uye kunyange mazana ezviuru zvemadhora kutumira vana kuchikoro."
Izvo Ndizvo Zvichienda Kune Vadzidzi, Here?
"Vadzidzi vaduku vakawanda havaregi kutora mutero," anodaro Schweke, "kunyanya kana vachiri vabereki vavo vanovimba. Mutemo wegore ra2018 ndeyekuti kana mumwe muteresi ari pasi pemakore makumi matanhatu nemashanu asina kuwana mari inenge $ 10,400, haafaniri kuisa.
"Bhuku remibvunzo ye FAFSA rinobvunza kuti, 'Wakakwanisa kuisa 1040A kana 1040EZ?' Kuva akakodzera kwakakwanira, haufaniri kuisa faira saka usati iwe hauzive pane mubvunzo 34. Itai hongu. "
Zvimwe Zvokufungisisa
"Mutero wemitero yakaoma, uye zvinhu zvakawanda zvinogona kuitika mukudzoka," Schweke anotsanangura. "Somuenzaniso, kana paive nemitero yemutero inowanikwa mumakore apfuura kune mutero waiti aita , kuisa fomu shomanana kunogona kuita kuti vadzoke zvakare . Asi hapana nzira yekuinyorera pomufomu kadiki kuitira kuti 1040X-iyo yakashandurwa mutero kudzoka-ingagadzirisa dambudziko racho.
"Uyezve, IRS maitiro aya akasiyana nemari yemari yemazano saka kusarudza unyanzvi wemutero uyo anonzwisisa kusiyana kwevanhu kunogona kuva kwepamusoro. Nekubhadhara kwekudzidziswa kwekorojiji kuchikwira kune imwe nzvimbo, vabereki vazhinji avo vaimbofunga kuti havazokwanisi kuwana rubatsiro rwemari vanowanzoputirwa zvakanaka pakutumira vana vavo kuchikoro chikuru - kana vakawana mazano akanaka. Vabereki vari kunyanya kubatsira pakubatsira vana vavo kuwana dzidzo yakanakisisa inogona kuita zvakanaka kutarisana nemudzidzisi anonyanya kukosha wekubatsira mari ane ruzivo rwakadzika yemitemo yemitero uye zvinorevawo kuitira kuti abatsire kuronga mberi uye kuronga zvakanakisisa zano. "
"Vana ndivo ramangwana redu. Ngatitumirei kuchikoro! "
Rivkah Schweke ndiAgreeved Agent ane chido chakasimba mukoroji yekubatsira rubatsiro. Anonzwisisa zvose zviri mu federal tax code uye nzira yemari yekubatsira mari.