Vadzidzi Vokubhadhara Mazano Mashoko Kubva kuHurumende yehurumende

Ita Hurongwa Hwekubhadhara uye Ushandire Urongwa Hwako

Makorokoto! Iwe wapedza kudzidza kubva kuchikoro uye iko zvino unozvirumbidza muridzi wediploma, pamwe chete nemurwi wezvikwereti zvezvikwereti zvevadzidzi . Kuchinja kusvika kune munhu mukuru kunogona kunge kwakanyanyisa, kunyanya kana iwe usina kumbobvira uchinetseka pamusoro pehupfumi hwako kare. Iwe unogona kuvhiringidzika pamusoro pezvaunogona kuita, usina chokwadi nezvekuita, kana kutya kuti haugone kukwanisa kubhadhara yako.

Haisi iyo pfungwa yakanaka kuedza kuvanza, kumhanya, kana kusava nehanya nemudzidzi wako chikwereti zvachose.

Iwe wakaishandisa kuti zvizadzise chinangwa chako; ikozvino ndiyo nguva yekubhadhara chikwereti. Kana iwe usingazivi zvokuita, danho rokutanga nderokuita tsvakurudzo uye kuunganidza mashoko ose aunogona. Hazvishamisi kuti hurumende yehurumende ine chido chakakosha pakuita kuti udzosere yako federal mudzidzi chikwereti. Sezvo vakadaro, vanopa ruzivo rwehumwe ruzivo kuti vabatsire vekugoreji vadzidzisi vekudzidza vauya nemitemo yevadzidzi vavo. Muzvokwadi, vane masereti masere ekubhadhara chikwereti chemudzidzi anofanira kunge ari rubatsiro.

8 Mazano ekubhadhara chikwereti chevadzidzi

1. Tora chiito ikozvino: Usakanganwa zvikwereti zvevadzidzi vese muzhizha paunenge uchitamba, uye wozoshanda iwe pachako kunetseka apo maziso ekubhadhara anotanga kusvika. Pane zviito zvaunogona kutora zvino izvo zvichaita kuti hupenyu hwako huve nyore pakuwa. Dzidza pamusoro pezvirongwa zviripo zvekubhadhara chikwereti chemudzidzi kuitira kuti uwane chimwe chinhu chinokodzera yako-post yekoroji yemamiriro ezvinhu emari. Iwe unogona kukwanisa kubhadhara chinhu kwenguva yakati, asi iwe unoda kutaura nemari yako servicer kuti uone kana iwe unokodzera.

1. Iva nemafungiro ekugadzirisa bhajeti: Kana vabereki vako vachikuchengetedza pane mari yakaoma mukoroji, iwe watova danho riri mberi. Iwe unoda unyanzvi uhwu kuti uwane iwe kuburikidza nemakore ako ekubhadhara chikwereti chemudzidzi. Isa pamwe chete bhajeti yemari yako inofungidzirwa uye mari yekurarama kuti uenzanise kuti wakasiya zvakadini kuti uone nezvekubhadhara.

1. Dzidza zvaunogona kuita: Kana iwe usingaiti chinhu, iwe uchapinda muState Repayment Plan, iyo inokubvumira kubhadhara chikwereti chemudzidzi wako makore gumi. Kunyange zvazvo iyi inowanzova nzira inokurumidza kudzorera chikwereti ichocho, kubhadhara kwemwedzi kune imwe nguva kungave kwakanyanya kune vamwe vadzidzi. Tarisa kunze zvirongwa zvekubhadhara zvinowanikwa zvinogona kuwedzera nguva yemari yako, kana kugadzirisa zvikwereti zvinoenderana nemari yaunowana.
2. Chikwereti chako chinogona kukanganwirwa: Mune mamwe mamiriro ezvinhu chaiwo, hurumende inogona kukanganwira chikamu chako chikwereti kana kutopa mari kuti ikubatsire iwe kuripa iyo, zvichienderana nemapurogiramu ako ekugadzirira. Usaita zvisarudzo zvekubhadhara kunze kwekutanga kudzidza kana iwe uri kukodzera kukanganwirwa chikwereti.
3. Tanga ushamwari hwekubhadhara zvakananga: Vadzidzi vakawanda nhasi vatoziva nezvebhengi rekuInternet, iyo inogona kuuya mukana chaizvo yekuita chikwereti chemari yevadzidzi. Bvunza chikwereti chako servicer kuti unyore sei kubhadha rekutengesa kuitira kuti mari yako inotorwa kubva kubhangi yako yebhangi mwedzi mumwe nomumwe. Iwe uchatorawo 0.25% mubereko wekutora mutengo apo iwe unyoresa.
4. Ita zvikwereti zvakare: Kana waita basa, unogona kuona kuti iwe uri kuwana mari yakawanda kupfuura yako mari. Great for you! Izvozvo zvingasava zvechokwadi kana ukasarudza kuroora kana kutenga imba yako pachako, saka zvinonzwisisika kushandisa chero mari yakawedzerwa yaunogona kuva nayo ikozvino kubhadhara pasi yako chikwereti chemudzidzi. Zivisai chikwereti chako servicer kuti chero mari yakawedzerwa haifaniri kuiswa kumangwana emangwana. Kana usina kutora zvikwereti zvako, iwe unodawo kuvaudza kuti vashandise chero mari yakawedzerwa kune chikwereti nemutengo wepamusoro.

1. Funga kaviri pamusoro pekudzoka kwebhadharo: Kunyange iwe ungakwanisa kutora chikamu mukutadza kana kushivirira, funga kaviri usati watora mukana uyu mukana. Muzviitiko zvakawanda, kufarira kuchaenderera mberi kuvaka.
2. Wana rubatsiro: Usatya kutya kubvunza rubatsiro kana uchida. Mari yechikwereti yako servicer inopa rubatsiro pasina. Usabhadhara makambani kunze anoti vanogona kubatsira, asi mutengesi mubhadharo.