Sarudzo dzeMari yePostgraduate
Hurumende yehurumende inopa zvikwereti zvakawanda kune vadzidzi vakapedza kudzidza. Unofanirwa kutanga nemitambo iyi, sezvo zvikwereti zvehurumende zvinopa zvikwereti zvisingawanikwi kubva kune vateresi.
Muzhinji, hurumende inotsigirwa zvikwereti ine zvikwereti zviduku zvishoma uye inogadziriswa kana iri pamusoro pekubhadhara. Kuti uwane mamwe mashoko, ona Zvibatsiro zve Federal Federal Loan .
Zvinosuruvarisa, semudzidzi akapedza kudzidza, haugoni kufadzwa nezvikwereti zvechikwereti chinopiwa. Kufarira kunotanga kuwedzera nokukurumidza kana iwe uchiwana mari, saka iwe unoda kunyanya kunyatsofungisisa nezvekukweretesa kwaunoita.
Kune marudzi matatu ehurumende yemari yekubhadhara mari inowanikwa yevadzidzi.
Perkins Loan inofanira kuva yako sarudzo yekutanga. Zvinosuruvarisa, zvakaoma kukodzera - zvakagadzirirwa vadzidzi vanoratidza "mari inoda mari." Chikoro chako chingave chisati chapa Perkins zvikwereti, uye kana zvichiita iwe unofanira kukwikwidzana nevamwe vadzidzi kuti uwane zvishoma. Izvi zvikwereti zvinonakidza nekuda kwechikwata chavo chechikwereti: iwe uchabhadhara chikwereti chakatarisirwa che5%, icho chiri nani kupfuura iwe unogona kuita nevamwe vatengi.
Sekudzidzira mudzidzi, iwe unogona kukwereta gore negore uchishandisa chikwereti chePerkins chiri $ 8,000.
Kutora Mari Isina Kubhadharwa ndiyo imwe nzira yakanaka yevadzidzi vakapedza kudzidza (izvi zvinogonawo kunzi "Stafford Loans"). Izvi zvikwereti zvinokubvumira kukwereta kusvika ku $ 20 500 pagore yekupedza chikoro. Iwe uchabhadhara chikwereti chakatarisirwa chikwata che6,8% uye 1% yemari inotangira.
Izvi zvinodhura kupfuura Perkins Loan asi inenge isingadhura mari kudarika zvaunowana kubva kuvarayiri vega. Ichokwadi kuti iwe unofanirwa kutengesa nguva dzose, kunyanya kana iwe uine chikwereti chakanaka uye unogona kuwana zvakawanda kubva kune waunotenga chikwereti. Kutora Mari Isingakwanisi Kubhadharwa Zviri nyore kuwanika chero bedzi iwe wakanyoresa semudzidzi - haufaniri kuva nekodzero yakanaka yechikwereti kana mari.
Tarisa PLUS Mikopo (dzimwe nguva inonzi "Kudzidza PLUS Mikopo") inowanika kana iwe uchiri kuda mari mushure mekunge wakaneta Zvikwereti Zvako Zvisingakwanisi Kubhadharwa. Zvisinei, iwe unofanirwa kubhadhara PLUS zvikwereti. Iwe unogona kungokwereta zvakanyanya sezvaunoda "mari yako yekuuya" kunze kweumwe rubatsiro rwezvemari rawakagamuchira (zvakadai seZvikwereti Zvisina Kubhadharwa uye Perkins Loans). Iwewo unofanirwa kuva nechikwata chekwereti chinonyatsojekesa zvimwe zviitiko munguva yapfuura yapfuura. Kunyangarika, mutero wemitero, kudzorera, uye zvimwe zviitiko mumadhora ako ekwereti zvinogona kureva kuti unotofanira kuwanika mubhodha wekubvumirana kuti akwanise kubhadhara chikwereti. Vakapedza kudzidza PLUS Maripo inouya neine chido chekuda kwe7,9% uye mutengo wokutanga we 4%.
Kuti uwane chikwereti chemari ipi zvayo pamusoro, shanyira Financial Aid Office yako chikoro. Zvakanakisa kutanga chirongwa nokukurumidza kana zvichibvira kana iwe uchifunga kuti uchada kukwereta mari.
Unganidza mashoko uye upe FAFSA yako pakutanga kwegore - kunyanya munaJanuary. Kuisa pasi FAFSA yako kutanga kunowedzera mikana yako yekuwana zvipo nemamwe marudzi ekubatsira mari.
Private Loans for Graduate Students
Mushure mekunge makwereta zvose zvamunokwanisa kuburikidza nemapurogiramu ehurumende, muchafanira kutarisa kune vateresi vese kana muchida zvakawanda.
Iyi ingangodaro nguva yakanaka yezviyeuchidzo-mupfungwa yekuyeuchidza: nokuti iwe unogona kukwereta zvakawanda, hazvirevi kuti iwe unofanira . Yeuka kuti iwe uchafanira kubhadhara zvikwereti izvi, uye zvinogona kukutambudza kwemakore mazhinji. Zvikwereti zvevadzidzi ndiyo nzira yakanaka yekuisa mari mune ramangwana rako, asi pane nyaya dzakawanda dzisingatauri kunze uko pamusoro pevanhu vakapinda mumisoro yavo.
Vadzidzi vega vega zvikwereti zvinowanikwa kubva kune vakasiyana-siyana vevakweretesi. Mabhangi, zvikwereti zvemakwereti, uye vatengesi vepaIndaneti vanopa vadzidzi vemari chikwereti chemari.
Kusiyana nehurumende, vateresi vega vega vanoda kuti iwe ukwanise kukwereta. Iwe unoda zvakanaka chikwereti nemari yakakwana yekubhadhara chikwereti, kana iwe unoda mushandi wekubatanidza uyo anogona kukubatsira kuti uwane chikwereti. Vadzidzi vakawanda vanopedza kudzidza vakangova vaduku - kungotanga kuve munyika - uye vane nguva yakaoma yekuzviwanira ivo pachavo.
- Dzokera kunheyo dzepamusoro: Chii Chikwereti?
Iwe unogona kubhadhara mari yakawanda sei kubva kune waunenge akweretesa uri wega paunenge wapedza kudzidza? Izvo zvinoenderana nemutengi uye munda wako wekudzidza. Kazhinji, unogona kukwereta zvimwe kana uri kudzidza zvebasa iro rinowanzova nemari yakakwirira. Mune mamwe mazwi, vanachiremba vemangwana uye magweta vanozokwereta kune vateereri vemangwana.
Vanokweretesa pachavo kunyange vanotenga michina yakajeka kumunda wenyu wekudzidza, uye iyi ndiyo imwe nzira iyo ingave yakakosha kudarika federal student loans. Mushure mokunge wapedza kudzidza, ungave uchida kupedzisa maawa ekudzidzira, kupedza mvumo yekupa mabhizimisi, kana kuti kuwana zvikwangwani zvemudhizimusi. Vamwe vanozvipa chikwereti chekudzidzira chikwereti zvinosanganisira zviyero zvinobatsira kubhadhara mararamiro enyu paunopedzisa mabasa aya.
Iwe unobatsire sei mari yechikwereti chega? Kune mhando dzakawanda dzemhando dzekudzidzira dzidzo dzechikoro dzekudzidzira kuti dzikurukure pano - mishonga inokonzerwa kubva kune chikwereti kuendesa chikwereti uye inotarisa pamunda wako wekudzidza. Tanga nekutsvaga zvikwereti zvemunhu, uye kuderedza kutsvaga kwako nekuisa pfungwa pamhando yehudhi iwe uri kutevera. Iva akagadzirira kupa ruzivo rwezvemari kumunhu anokweretesa, kusanganisira zvinyorwa zvebhangi, kubhadhara stubs, uye magwaro echikoro.
Vatengesi vepaIndaneti
Mumakore achangobva kupfuura, vatengesi vepaIndaneti vakapa zvikwereti zvisingakwanisi uye zviri nyore kuti zvikwanise. Izvozvo zvinoshanda kumabhadhara echikoro pamwe chete nemari yako (iyo inogona kushandiswa chero chinangwa, kana iri dzidzo kana bhasikoro itsva). Iva nechokwadi chekuenzanisa zvikwereti zveInternet kune zvikwereti kubva kumagariro evanhu. Kana iwe usingagoni kuwana chero rubatsiro runokosha kubva pakushandisa chikwereti che "mudzidzi", funga kushandisa shanduko yega iwe kana mashoko acho ari nani.
Kubatanidza Mari
Iwe unogona kuguma nematarenda akawanda kana wapedza zvidzidzo zvako. Kana zvakadaro, zvingave zvichibvira kusimbisa zvikwereti izvi kune chikwereti chimwe chete . Zvichida kana kwete izvo zvinonzwisisika zvichaenderana nemhando dzezvikwereti iwe (wega kana wehurumende), mutengo wekuda kune iyo zvikwereti, nezvimwe zvinhu. Nhepfenyuro yehurumende inogona kunge yakasimbiswa, "uye zvikwereti zvepamberi zvinogona kusanganiswa mukwereti imwe chete zvakare.