Zvechokwadi zvinokwanisika kuwana zvikwereti pasina wekusimbisa, asi hazvisi nyore nguva dzose (kunyanya kana iwe uchida mari yevadzidzi).
Icho Chimwe Chinhu Chaicho Chinhu: Chechipiri Chevadzidzi Vemari
Hurumende yeUnited States inopa mapurogiramu emakwereti akawanda, mamwe ayo asingatsvaki mvumo yekwereti yakagadziriswa (saka iwe haungatengi mutsigiri kuti agamuchirwe). Zvakanakisisa kutanga kutora chikwereti chevadzidzi vezvikwereti nekuda kwezvikonzero zvakawanda.
- Zvikwereti zvehurumende zvinowanikwa pasina chekwereti chekwereti kana mari inodiwa.
- Nharaunda inowanikwa yakaderera uye inogona kugadzirirwa hupenyu hwechikwereti chako.
- Mari yekufarira inogona kubhadharwa (kana kubhadhara nomumwe munhu) iwe uri kuchikoro.
- Iwe unogona kukwanisa kushandisa zvirongwa zvekubhadhara zvinoshandiswa zvakadai sekubhadhara mari-kubhadhara pashure pokunge wapedza kudzidza.
Semuenzaniso, zvikwereti zvinotungamirirwa na Direct Direct and Direct Unsubsidized (inozivikanwawo seBashord Loans) zviri nyore kukodzera pasinei nekukwanisa kwako kubhadhara. Asi iwe unofanira kubhadhara zvikwereti izvozvo rimwe zuva, saka chikwereta chete sezvaunoda.
Perkins chikwereti ndechimwe chisarudzo, asi iyo zvikwereti zvinosungirwa kune vakwereta vane mari yakawanda, uye hapana chivimbo chokuti uchawana chikwereti chaPerkins.
Dhipatimendi reZvikoro inoita kuti zvive nyore kuwana mari, asi kune hitch: Haugoni kukwereta zvakanyanya sezvaunoda. Hurongwa hwehurongwa hwehurumende hunouya nemiganhu (iyo yakawanda iwe unogona kukwereta imwe nguva), uye kana wapedza kusvika kumuganhu iwe unoda kutsvaga mamwe magwaro ekubhadhara mari.
Kana iwe uchida zvinopfuura iwe unogona kuwana kubva kune chikwereti chehurumende, unogona kutamira kune vasiri venduru .
Mari Yevadzidzi Yakananga
Vakweretesa vari voga vanobatanidza mabhangi, vatengesi vepaIndaneti , uye mamwe makambani kana masangano anopa mari kuvadzidzi. Vaya vatengesi havabatsirwi nechibvumirano chehurumende, saka vanoita zvikwereti zvichienderana nekukwanisa kwako kubhadhara: chikwereti chenhoroondo yako uye mari yako, nokuda kwechikamu chikuru.
Kuwana chikwereti chemudzidzi wega wega pasina cosigner kwakaoma. Zvisinei, kana iwe uri pakati pevadzidzi vashomanana vane mari isingagumi uye vakagadzirira chikwereti chenhoroondo, iwe une ruzivo - vazhinji vezera rako havana kana yevaya. Iwe unogona kukwanisa kushandisa uye unogamuchirwa.
Kana iwe usina mari yakasimba uye chikwereti, kukwereta iwe pachako kungangove kwakaoma uye kunodhura. Zvinosuruvarisa, hauzove nemugwagwa uri nyore mberi. Zviziviso zvinogona kuvimbisa nyore kugamuchirwa, asi zvinogona kunge zvakaguma zvakapera pazvakanakisisa - uye zvinonyadzisa pane zvakanyanya. Nokukurumidza iwe unoziva izvi, zviri nani.
Kana iwe uine chikwereti chakasimbiswa iwe unogona kugara uchiedza kubhadhara chikwereti pasina cosigner. Asi pasina mari yakakwereta yakasimba, vateresi vangangokutsvaga. Kunyange zvazvo zvisingakuvadzi kukumbira kamwe kana kaviri, zvikwereti zvako zvekwereti zvinogona kuvharwa kana iwe uchinyora kakawanda kune zvikwereti.
Ita Iko Kwereti
Kuvaka chikwereti haisi mhinduro inokurumidza, asi inogona kukubvumira kuti uwane chikwereti iwe pachako. Chirongwa chekugadzirisa kutora makore maviri kana kupfuura, uye zive kuti hauzove nekodzero yepamusoro yekwereti yenyika mushure menguva iyo. Zvisinei, kana chiri chete chisarudzo chaunacho uye iwe unoda kumirira, zvadaro chakanaka.
Vhura chikwereti chako chekwereti nekukwereta zvine musoro. Kunyange kana iwe usingagoni kukwereta zvakakwana kuchikoro iye zvino, unogona kuwana chikwereti chiduku kana kadhi rechikwereti. Kana iwe ukashanda chikamu chechikamu uye unogona kuisa $ 500 kana zvakadaro kune chikwereti chebato , bvunza nezve "chechi yakachengetwa kadhi " kana chikwereti chakachengetedzwa , izvo zvichakubatsira iwe kugadzira chikwereti.
Shandisa Cosigner
Hongu, zvinonzwika kupenga kana chinangwa chako chakanga chiri kukwereta pasina cosigner. Asi izvi zvingave zvisingaitike, kana zvinogona kunge zviri makore akawanda usati wadzikwevera kure - uye kunyange iwe unogona kunge usina chikwereti chikoro chaunoda.
Kana iwe wakaedza zvimwe zvose, funga kubvunza mumwe munhu kuti atore chikwereti chemudzidzi kwauri. Ichokwadi kuti mushandi wako anofanira kunge achida uye akakwanisa kuisa njodzi kwauri, asi njodzi dzinogona kuva dziduku kudarika iwe unofungidzira. Iva nechokwadi chokuti chero mupikigner anonzwisisa zviri kuitika, uye ngavaite kuti vasarudze.
Kupindira kwako pamwe nemudzidzisi kungangoderera pane zvaunotarisira. Nevamwe vechikwereti vevadzidzi, vashandi venguva pfupi - vanogona kubviswa kubva pachikwereti mushure mokunge makabudirira kubhadhara kwemakore mashomanana. Chiitiko ichocho chinokubvumira kuti uende uri woga, uye inobvumira mushandi wako kubvisa pangozi yekubhadhara chikwereti chako.
Shandisa Dhinda
Zvinhu zvaunazvo zvinogona kuva chiyi chako chekukweretesa, kunyange iwe pachako usingawani "chikwereti chemudzidzi." Kana iwe une motokari, somuenzaniso, iwe unogona kutora motokari sechikwata chechikwereti. Iwe pachako haungakwanisi kuwana zvakakwana kuti uwane mari yose yemari, asi inogona kukubatsira kuwana zvidzidzo zvishoma pasi pechikwama chako paunenge uchivaka chikwereti.
Mari yechikwereti kazhinji inodhura uye inokuvadza, asi iyo inosarudzo kana ichi ndicho chinotora kupedza. Kana iwe ukaenda nenzira iyo, chikwereti kubva kune dzimwe nzvimbo dzakadai semabhanki kana zvikwereti zvemarikiti zvinopa nguva yekubhadharwa kwemakore akawanda (uye iva nechokwadi chokuti unogona kubhadhara chikwereti pakutanga kana zvichibvira).
Zvimwe nzira dzokubhadhara
Nguva dzose zvinogona kukwereta zvishoma sezvinobvira, uye kusakwanisa kushandisa mutevedzeri kunogona kukumanikidza kuti ugadzire zvikuru. Kunyangwe ihwo ihwo hutsinye hwedambudziko, hunogona kukubatsira iwe paunenge uine chikwereti chiduku chevadzidzi kupfuura vezera rako munguva yemberi. Panogona kunge kune dzimwe nzira dzokubhadhara dzidzo yako usingatori chikwereti:
- Zvikwereti uye nyanzvi dzedzidzo dzakaratidza pasina mari iyo haifaniri kubhadharwa. Zvisinei, iwe unowanzodikanwa kushandisa, uye hauzombozivi kana maitiro ako achapiwa mubayiro. Izvozvo zvakati, mamwe mapurogiramu ari nyore kwazvo kuisa.
- Kushanda panguva yechikoro kunotora nguva inokosha iyo iwe ungasave nayo, asi mari inobatsira inobatsira. Dzimwe zvikoro zvinopa basa-yekudzidza mabasa, uye makoroji nguva dzose ane mabhizimisi ari pedyo ayo angave achihaya vashandi venguva yakazara.
- Zviduku-zvinodhura masangano angave yakakosha kana mari yakaoma. Kana zvichidikanwa, unogona kukwanisa kuenda kuchimwe chikoro mushure mokunge watanga-asi kutsvakurudza kana kwete chero zvikwereti zvingaverengwa kudivi rako rekupedzisira.
- Mushandi wechikoro angangodaro anogona kuwanikwa kubva kumakambani ari munharaunda yako. Kunyange zvazvo zvingasava basa rauri kutsvaga, kana iwe uchiwedzera zvikomborero zvezvidzidzo kune rako rekubhadhara mari, iyo mabasa anotanga kutarisa zviri nani.