Chikoro chemari chikwereti chikwereti chinotarisirwa kukwana $ 1 trillion. Kubva pakuguma kwegore ra2011, chikwereti chakakosha chakanga chapiwa chikwereti chemari chikwereti chakafungidzirwa pa $ 165 mabhiriyoni.
Izvi zvingave zvisingatauriki sezvo pasina nzvimbo yepamusoro yekuwana ruzivo pamusoro pevadzidzi vezvikwereti zvevadzidzi.
Pamwechete mudzidzi chikwereti chikwereti chinowedzera kukosha, chakashandiswa zvikuru nevadzidzi vane zvikwereti zvakakwirira, sevadzidzi vasina ruzivo rwemhuri kana chekuita, vadzidzi vari mumayunivhesiti ega, uye avo vanotsvaka kudzidza nedhigiriji.
Dhipatimendi reZvondo harina basa pakuronga mari yega yega chikwereti. Izvi zvikwereti zvinobudiswa nemabhangi nemamwe masangano emari, uye dzimwe nguva nemasangano asiri ehurumende. Vanozvitsaurira ivo pachavo.
Kunyange zvazvo mari yevadzidzi vega yega isina kutarisirwa neDhipatimendi reZvondo, vateresi vega voga vanofanira kuchengetedza kune mamwe mimwe mitemo yehurumende uye yehurumende inoshandiswa pakweretesa kazhinji. Semuenzaniso, zvikwereti hazvikwanisi kudarika chiyero chekufarira chinotarisirwa pasi pemitemo yenyika yehupfumi. Mukuwedzera, mutemo wezvematongerwo enyika unodawo zvimwe zvidikanwi zvekudzivirira zvikwereti zvevadzidzi vari voga izvo zvakagadzirirwa kuita kuti vakwereta vanzwisise mari nezvirevo.
Izvi zvinotsanangurwa zvinowanikwa pachigamba chekushandira chikwereti, danho rekubvumirwa uye chikwereti chekugadzirisa chikwereti. Izvi zvinyorwa zvinosanganisira mashoko pamusoro pemari, mari uye nguva yekubhadhara mari, mazwi ekubhadhara uye chikoro chekugadziriswa zvinodiwa, uye kuwanikwa kwevashandi vehurumende vanobhadhara mari.
Vanokwereta vanofanirwawo kupedzisa "fomu yekuzvidzivirira" vachitsanangura kuti mari shoma yehurumende inogona kuwanikwa kune mudzidzi.
Mukugadzirisa kuchengetedza iwe pachako mudzidzi wechikwereti chikwereti, zvinokosha kunzwisisa zvaunogona kutarisira uye izvo zvinokupa chikwereti chako chega. Heano mamwe mazano uye mazano akazara ekubata nevatengesi vega:
Paunofunga nezveChikoro Chevadzidzi Chega. . .
- Nhamba dzekuda mari dzevadzidzi dzevadzidzi dzakasununguka dzinowanzove dzakakwirira kudarika zvikwereti zvinotsigirwa nehurumende.
- Vamwe vanokweretesa vanogona kupa zvikamu zviduku zvakaderera kana mari yakawedzerwa.
- Vakawanda vanokweretesa vari vega vanodikanwa kuti iwe unopa mubati wemubatanidzwa uyo achakodzera zvakaenzana chikwereti kana iwe usingakwanisi kana kusaita.
- Vazhinji vari vateresi vanokwereta vanoda kuti iwe nemubati wako wekune chikwereti vawane chikwereti, mune imwe chikwereti chekwereti, mubhadharo kana kuti chikwereti-kune-purogiramu yemari.
- Vakawanda vanokweretesa vari voga vanobhadhara chikwata, mavambo kana mari yekubhadhara.
- Vamwe vanokweretesa varipo vanopa nguva yekubhadhara kwemakore makumi maviri, zvichienderana nemari inowanikwa mari.
Paunenge Uine Matambudziko Kuita Mari Yako Yokubhadhara Chikwereti Chevadzidzi Chega. . .
- Kuti uchinje kubhadhara kwako kana mazwi ako okubhadhara, unofanira kutaurirana zvakananga nemutengi. Vakawanda vanokweretesa vanopa chimwe chinhu chekusimbisa chikamu chevadzidzi vechikoro chega voga kana kuti vachagadzirisa mari yevadzidzi vega yega.
- Vamwe vanokweretesa vadzidzisi vanopa mapurogiramu ekuderedza zvikwereti munguva dzekushaya basa kana kurwara.
- Vadzidzi vezvikwereti vega vega havakwanisi kusimbiswa nehurumende yemari yekubhadhara chikoro muhurongwa hwekubatanidza hurumende seAll Direct Consolidation.
- Vadzidzi vezvikwereti vega vega havakwanisi kuwana sarudzo dzekubhadhara zvehurumende seBR, ICR, Kubhadharwa Kwekuwedzera kana Pay Sezvaunowana.
- Vamwe vanokweretesa vanogona kupa kukusimbisai musangano wenyu wechikoro mari yechikwereti muchikwereti chekubatanidza chega. Kana ukasarudza nzira iyi, yako federal mudzidzi chikwereti ichabhadharwa uye federal consolidation haichazovipo kwauri. Nguva dzose.
- Zvigadziriswa zvekugadzirisa zvekudzivirirwa kwevanhu vasina kukwereta zvikwereti zvekubhadhara zvikwereti zviri pamusana pekweretesa.
- Vakweretesi vari voga vanoisa mitemo yakatarwa muDare reDhipatimendi reKutengesa Mutemo, rinotungamirira ukama pakati pevakweretesa uye masangano ekuunganidza mari yechitatu uye zvinodiwa ne Fair Fair Reporting Act. Iwe une kodzero kana uyo anounganidza achiita zvisakarurama kana kuti anokunyengedzera iwe kubhadhara kana kana muteresi, mushandi kana kuti chikwereti chikwereti inoshuva mhaka yako yekubhadhara kune zvikwereti zvekwereti.
Mari Yevadzidzi Yakananga muBhangeruptcy. . .
- Vadzidzi vega voga zvikwereti vanozviisa pasi pechimiro chakafanana chekudzima mubhadhadzi sevaya vanosimudzirwa nevadzidzi vechikwereti.
- Vamwe vega vega mari yechikwereti vangave vakakwanisa kubhadharwa mubhadhadzi kana vakagadzirirwa zvakapfuura mari yakakosha kuti vawane mari yakawanda yekoroji.
- Vadzidzi vega voga zvikwereti zvinogona kutarisirwa kuburikidza neChitsauko 13 zvirongwa zvokubhadhara .
- Kusiyana nehurumende yemari yechikwereti, iyo isina mutemo wekukwanisa kusungirirwa, mari yevadzidzi yega yega inoteerera mutemo wekukanganisa sezvazvakatemwa - kazhinji-neanokwereta mamiriro ekugara.
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
Dzokorora Mazano Mazuva Ekupedzisira kweTough Times
Kuponesa Chikwereti Chevadzidzi Zvakashata
Kutarisana neVadzidzi Vanokwereta Mari
Kutarisira Private Loans
Mhanje Kukanganwira
Mutero Kukanganwira Chikoro Mamiriro
Mutero Kukanganwira Kwekuremara kana Rufu
Public Service Loan Forgiveness
Maridzo yevadzidzi muBanruptcy