Nei Tichifanira Kutanga neHurumende Kwemari?
Kufanirwa Kwemari
Chimwe chezvinyorwa zvakakosha zvevashandi vehurumende zvikwereti ndezvokuti zviri nyore kuwanika. Mabhangi haadi kukukweretesa mari kunze kwekuti vave nechokwadi kuti vachawana mari yacho zvakare.
Somugumisiro, iwe kazhinji unofanirwa kuve nokukwanisa kuwana mari yakakwana uye nhoroondo yemari yechikwereti (iyo yevadzidzi vaduku vakawanda vasina). Sangano rehurumende yezvikwereti zvakasiyana-siyana - unokwanisa kukodzera zvimwe zvikwereti pasina cheki chekwereti kana mari.
Kubhadhara mari yevadzidzi veSweden
Rimwe ruzivo rwezvikwereti zvehurumende ndeyekushandura kwaunowana pamubhadharo. Iwe unogona kukwanisa kubhadhara kubhadharwa kwakaderedzwa (izvo zvinodhura zvakawanda muzvikwereti asi zvinowedzera mubhadharo wepasi pamwedzi) kana kubhadhara kunoshandura sezvo mari yako inoshanduka (zvinoreva kuti iwe unobhadhara zvishoma kana iwe wawana mari yakaderera).
Nhepfenyuro yeGurumende inokubvumira kuti udzorere mubhadharo mune zvimwe zviitiko zvakadai sokushaya basa . Kubhadhara zvikwereti kunogona kukonzera mari yakakwirira yeupenyu (kana chido chinoramba chichivakira pane chikwereti chako), asi zvinogona kuita kuti zvive nyore kupinda mune dzimwe nzvimbo dzakaoma.
Mari nezvikwereti zvingabhadhara zvinogona kuita kuti zvive nyore kuchinja, asi vateresi vepachivande havawanzogara.
Chero zvingasarudzwa zvaunenge zvichange zvichinyorwa muchibvumirano chako chemari yako mari yako wese akasiyana naizvozvo iwe unofanira kuita mamwe mabasa epamba uye kuswedera pedyo nekuverenga kuti unzwisise zvaunogona kuita. Zvikwereti zvehurumende zvemari, kune rumwe rutivi, zvakanyatsorongwa uye iwe unogona kuwana mhinduro uye njere kubva pane zvakasiyana-siyana. Kuti uite nyore uye uderedze nhamba yezvikwereti zvaunazvo, zvikwereti zvehurumende zvinogona kusimbiswa (izvo zvisiri nguva dzose chisarudzo chakanaka).
Vadzidzi vega voga chikwereti zvinowanzodiwa kuti vatsanangurire panzvimbo .
Mari Inoshandiswa
Chikumbiro chikuru chemamwe mapepa ehurumende ndechokuti iwe unofarira mari inogona kubhadharwa . Kana zvakadaro, hurumende inokubhadhara iwe iwe kuitira kuti iwe usafanirwa kuuya nemari (kana kuwedzera iyo inotora mari yekubhadhara chikwereti chako - izvo zvinoreva kureva chikwereti chako kuti udzorere mumugwagwa).
Nharaunda dzehurumende dzevashandi vechikwereti dzinogona kunge dzakaderera kudarika mitero yaunowana pamusana pezvikwereti zvevadzidzi. Zvikwereti zvehurumende zvinopiwa kana kuti zvinopihwa nehurumende, izvo zvinoreva kuti rudzi rwevateresi ruchafambisa mutero iwe kana iwe usingakwanisi kuripa. Zvichienderana nechikwereti chako uye mari yezvikwereti zvachose, zvikwereti zvehurumende zvingadhura zvakanyanya kana zvishoma - iva nechokwadi chekuenzanisa zvose zvemarudzi uye kutarisa zvikwereti neApri variable. Ramba uchiyeuka kuti kune chido chekuita "caps" kana maximums munzvimbo iyo icharamba yakabhadhara mudzidzi mari yechikwereti inotengeswa mu-high-interest rates rate.
Nhamba dzechido dzakasarudzwa zvakare. Izvi zvinokubatsira kuronga nekugadzirisa, uye mitengo yakagadzikana inobatsira kana zvikwereti zvikwereti zvichisvika pamakore apo iwe unotsiva chikwereti chako.
Federal Student Loan Forgiveness
Zvikoro zvehurumende zvekubhadhara zvinogona kukanganwirwa nenzira dzakawanda; chikwereti chinova "mari isina mari" yausingadi kubhadhara.
Haisi pakarepo kana kuti zviri nyore kukodzera kukanganwirwa chikwereti kana kubudiswa, asi zvakanaka kuti uve nezvazvo - uye hazviwanzowanika neyega yevadzidzi vechikwereti.
Iwe unogona kukodzera kuhurumende yemari chikwereti chekuregererwa semubairo webasa rako. "Basa rehuruzhinji" vashandi vanogona kubatsirwa nekuregererwa mushure memakore akawanda ekushandira. Nokuti musangano wekubhadhara chikwereti chemudzidzi, hurumende inosanganisira (pakati pevamwe) zvinotevera:
- Vatariri vehurumende
- Vadzidzisi vechikoro vese
- Vamwe vashandi vasina musangano
Iwe unogona kudzidza zvakawanda pamusoro pekugona kwekukanganwira chikwereti pawebsite yeDhipatimendi reZvondo.
Mari inogonawo kusunungurwa pakufa kwevadzidzi. Kunyange zvazvo vanhu vakawanda (ivo pachavo) zvikwereti zvichienda apo uyo anenge akwereta anofa, PLUS zvikwereti zvakajeka: pamwe neUPUS chikwereti, mubereki ndiye akwereta, asi chikwereti chinogona kukanganwirwa kana mwana afa.
Hapana mubereki anoda kubatsirwa neizvi, asi chinhu chinobatsira chinogona kuderedza mutoro wemari wemhuri inoshungurudzika
Kusiyana kweHurumende Kwemari Mipurogiramu
Cherechedza kuti hurongwa hwehurumende huripo hunosiyana, uye mitemo yakashanduka nekufamba kwenguva. Ratidza kuti ndeipi chirongwa chako chikwereti chako chikamu che, uye dzidza nezvezvesooresi dzinokosha kwauri. Kunyangwe iwe uri pedyo nguva dzose zviri nani kune imwe rudzi rwechikwereti chehurumende, iwe unogona kudimbisa zvimwe zvikwereti pasi peAmbra Direct Loan kuti uwane zvimwe zvezvikwereti zviri pamusoro. Semuenzaniso, vamwe vashandi vebasa rehurumende vanofanirwa kukanganwirwa chikwereti pasi pechirongwa cheRoad Loan, asi vamwe vadzidzisi vanogona kubatsirwa pasi pese purogiramu.