Kutarisira Maridzo Yevadzidzi: Kuparara uye Kusingagumi

by Carron Armstrong

Zvinosuruvarisa, dzimwe nguva isu hatigoni kuramba tichiita zvatinosungirwa. Zvechokwadi, kukanganisa kana kurambana kunogona kukanganisa mararamiro edu uye pfungwa yekugara zvakanaka. Kune vakawanda, kunyange kusingatarisirwi kugadzirisa musero kana chirwere chekukurumidzira kuchapedza bhadharo yakave yakatetepa kusvika pakuputsa. Apo patinenge tichitaura pamusoro pezvikwereti zvevadzidzi, KUTI tiri kumashure kunogona kuita sei zvakanyanya pamishonga inowanikwa kwatiri. Ndosaka zvakakosha kuziva mutsauko pakati pekudengenyeka uye kusina.

Kuipa kwemhepo v. Default

Hurumende yehurumende yakapa chikwereti chemudzidzi chikwereti masimba emamwe ekuunganidza masangano ekubhadhara zvikwereti izvo zvisiri kubhadharwa panguva yakakodzera. Nzira dzinowanikwa kune vanokweretesa dzinobva kune rudzi rwechikwereti uye kana uyo anenge achikwereta ari kungovhiringidza kana kuti chikwereti chacho chakaenda kune chinonyanya kukosha chekusiya. Kana munhu akakwereta asingakwanisi kubhadhara chikwereti pamwedzi wayo wegore negore, uyo anenge akwereta anonzi anonyangadza . Kana kudengenyeka kuchienderera mberi, uye chikwereti ichipfuura mumazuva 270, chikwereti chinoonekwa sechiripo .

Pakutanga Kuunganidza Kuedza

Vadzidzi vakawanda vanobhadhara chikwereti vanopa chikwereti kwemazuva ane gumi nemasere mushure mokunge zuva rakakodzera risati rasvika mari ipi zvayo yakatarwa inotambirwa. Munguva iyoyo, iyo chikwereti (kana servicer) inofanira kutumira tsamba yekunyorera kune akwereta. Iko chikwereti (kana servicer) inogonawo kutumira foni kumunhu anenge akwereta panguva ino. Iko chikwereti kana servicer inofanirawo kuzivisa akakwereta kwekuwanika kweDhipatimendi reZvondo Mudzidzi Wechikwereti Chekwereti.

IOffice's Office inogona kubatsira vanokwereta kugadzirisa nyaya neaikweretesa kana kubatsira kubatsira nzira dzinokwereta dzinogona kugadzirisa kudengenyeka kana kutadza.

Kana kukanganisa kuchienderera mberi uye uyo akakwereta asingakwanisi kubhadhara, chikwereti chinotorwa sechinenge chisipo mushure memazuva 270. Panguva iyoyo, chikamu chose chinobva chaitika.

Izvo zvinogona kuitika kudzivisa kusagadzirisa chimiro kuburikidza nekugadzira zvimwe rudzi rwekubhadhara usati wapera mazuva makumi maviri nemaviri.

Extraordinary Collection Power

Kana imwe chikwereti ichikanganisika, masimba ehurumende anoshamisa anowanikwa anowanikwa kune vanokweretesa nevashandi. Aya masimba anoshamisa anounganidza anosanganisira kukwanisa ku:

Inoshandisa mitero yemitero
Kuwana mubayiro
Tora chikamu cheSocial Security kana zvimwe zvibvumirano zvehurumende
Kuda mari yekusungirirwa ye 25% yeFFEL kana Direct Loans, uye kusvika 40% paPerkins Loans uye kusvika 18% pane zvakagadziriswa kana kuti zvikwereti zvinodzorerwa kubva kusina chairo
Ramba mitsva yechikwereti chevadzidzi nemari

Kazhinji, vatengi vaizofanira kuwana mutemo wenyika kuti vaite zvizhinji zvezviitiko izvi, asi mutemo wehurumende unobvumira chikwereti chemudzidzi chikwereti, servicer kana sangano rekuunganidza kuti aite zvinhu izvi pasina humwe huwandu hwekuchengetedza dare redzimhosva raizopa mukwereti .

Zvakadini neState of Limitations?

Federal Loan

Hapana mutemo wekukanganisa kwekuunganidzwa kwehurumende yemari chikwereti. Haitombofa uye uyo anokweretesa anokwanisa kutevera kukohwa kusvikira afa.

Private Loans

Izvo hazvisizvo kune vega vezvikwereti vechikoro. Nguva yakatarwa yekutora mhando idzi dzezviito pazvikwereti zvemunhu oga zvinowanzoenderana nemurairo wekukwanisa kwehurumende umo muvakwereti anogara.

Kazhinji, mutemo wekukanganisa unopera makore mana kusvika kumatanhatu mushure mekubhadhara kwekupedzisira kana mushure mokunge chikwereti ichienda. Asi chenjerera: kunyange mushure mekunge mutengesi wega wega asingachagoni kusunungura kana kugadzira mubairo, uyo anokweretesa anogona kukwanisa kubhadhara chikwereti mari yacho.

Kana iwe ukazviwana uri kuunganidzwa nemutengi wako kana chikwereti chako servicer, zvinokosha kuti iwe unzwisise kuti iwe uchiri nekodzero uye zvisarudzo, pasinei nemasimba ekukwereta masimba.

Kuti uverenge zvakawanda pamusoro pezvaungasarudza, uye mitemo iyo uyo anopa chikwereti uye mushandi anofanira kubatana nayo mukuunganidza kwayo, verenga KUITA KUDZIDZIDZWA KUDZIDZWA: KUSANGANA NEVAKADZIDZI.

Kuti uwane mamwe ruzivo pamusoro pekutarisira chikwereti chako chevadzidzi munguva dzakaoma zvemari, ona nyaya dzedu pamusoro pezvinhu zvinotevera:

General Issues

Ndeapi Mari Mikuru Une Izvo?

Zvaunosarudza Pakutarisira Misha yevadzidzi muchidimbu

Gwaro reGwaro Rinobatsira Rudzi Rwokubhadhara Mitemo

Kana Iwe Usingakwanisi Kupa Mari Yako

Kudengenyeka uye Kusiyana

Kusarudzwa uye Kushivirira

Dzokorora Mazano Mazuva Ekupedzisira kweTough Times

Kuponesa Chikwereti Chevadzidzi Zvakashata

Kutarisana neVadzidzi Vanokwereta Mari

Kutarisira Private Loans