Chiitiko Chevadzidzi Vechikoro Mukati Yezvaunodhura Equation
Iwe wakanzwa kuti zvinotora mari yakawanda kutumira mwana kuyejiji, asi iwe unoziva zvakare kuti kubatsirwa kwakakodzera zvakakodzera zvibayiro mhuri yako inoita. Izvo zvakashambadzirwa zvaunoona paIndaneti hazviwanzo kuti mhuri dzakawanda dzinoguma dzibhadhara. Kuti uone kugadzirisa kubhadharwa kuchikoro chekorovheni kuchava nevemhuri yako, tanga nemafungiro ezvokuda kwako. Izvi zvinosanganisira mari yekushandisa kukireji , iyo dzimwe nguva yakakwirira kudarika vabereki vakawanda vanotarisira.
Paunowedzera zvinodhura zvekushanyira musasa, kuongororwa, mari yekushanda, uye mazano kunze kwehutungamiri, unogona kuva kunze kwemazana emadhora musati tsamba yekutanga yekugamuchirwa isvika.
Mari yekuenda kuchikoro inogonawo kuendesa kunze kwe-pocket cash flow. Kunyange vadzidzi vanogamuchira "kukwira zvakakwana" dzidzo dzinoda kuva nemari yakawanda inowanikwa pamunhu oga. Iwe unofanirwa kutora kufunga nezvekufambisa mari kune uye kubva kujijiji, mazwi uye zvirongwa zvemashoko, mabhuku, kurarama uye zvokudya zvekudya kana mudzidzi wako asingagari pa-campus, kuenda kune dzimwe nyika mapurogiramu, zvisarudzo zvokuvaraidza, kunze kwehomwe kurapwa kwechiremba, uye zvakawanda zvezvimwe zvinhu zviduku zvingakurumidza kuwedzera kusvika pane mari yakawanda.
Zvadaro pane mari yezvidzidzo pachayo. Kunyange zvazvo mari yemari yakagamuchirwa inogona kuderedza mutengo we "sticker" zvakanyanya, zvimwe zvinosara zvinowanzovharwa kuburikidza nezvikwereti zvevadzidzi.
Iko mari yezvokwadi yevadzidzi chikwereti chikwereti inogona kuwedzera mari yakawanda kune equation. Kunyange zvazvo inogona kunzwa sokuti iyo zvikwereti "zvakasununguka" nokuti zvikwereti "zvisingaonekwi, kunze kwepfungwa" munguva yekoroji, mari yakakodzera inotora musoro wayo nguva pfupi pashure pokunge apedza kudzidza. Kana mudzidzi wako achidonha, anotora nguva yakareba kuti apedza kudzidza, haagoni kuwana basa, kana kuti haawani mari yakakwana, inokodzera kuwedzera zvakare nokukurumidza.
Ngatitarisei kuti mari yechikwereti yevana inobata sei mari yekuenzanisa.
Nhamba Yakabhadharwa
Nehurumende yemari chikwereti chikwereti, vapedza kudzidza vakakodzera kukwereta kusvika ku $ 5 500 muPerkins chikwereti uye $ 5 500 kusvika ku $ 12 500 mumitemo yakananga yakaderedzwa uye Mitsara Dzakasunungurwa Dzegore negore, zvichienderana nezvimwe zvinhu. Vabereki vanogonawo kubhadhara mari vari voga pasi pe PLUS purogiramu yechikwereti. Pamakore mana kusvika mashanu, zviyero izvi zvinogona kuwedzerwa, uye mudzidzi aigona kupedza mhuri yacho mune chikwereti chemadhora anodarika makumi mashanu, kwete kuverenga chero zvikwereti zvemari zvingangodaro zvakawanikwa.
Mari yechikwereti chevadzidzi
Mhuri dzakawanda hadzitaridzi mari yekubhadhara inosangana nemari yevadzidzi. Mari yekubhadhara Kwemari Yakaderedzwa Iyo Direct uye Isingakwanisi Kubhadharwa ikozvino 1.069 muzana. Mari yePURUS zvikwereti ikozvino 4.276 muzana. Vadzidzi vega vega chikwereti chikwereti vanogona kunge vane zvikwereti zvakasiyana-siyana. Kunyange zvazvo mari inopfuura $ 10 mubhadharo ye $ 1 000 inokweretwa haifaniri kunge yakawanda, inowedzera mazana emadhora kumari yaunokweretesa.
Interest Interest
Iwe unofanirwa kuziva kana chido chiri kuwedzerwa kune chikwereti chako munguva yekolji. Nokuda Kwemari Yakapiwa Mazano, hurumende yehurumende inovhara mari iyoyo. Asi, nokuda kwevasina kubhadharwa, PLUS uye yakawanda yega yega chikwereti chikwereti, icho chido chirikuvaka nekuwedzerwa kune mari yaunokwereta.
Nhamba yezvikwereti ndeye 3.76 muzana yehurumende yemari yechikwereti uye 6.31 muzana pane PLUS zvikwereti. Wedzera pedyo ne $ 40 ne $ 1,000 zvakakweretwa, uye iwe uchaona kuti mari iyi inokurumidza sei kuvaka.
Mari Yemazuva Ekupedzisira uye Mhosva
Kana uchangotanga kubhadhara, kunewo mari yekurumidza uye zvikwereti zvinogona kuongororwa nekuda kwekubhadhara zvikwereti kana kusabhadhara panguva.
The Bottom Line
Vavhosi yeChikoro cha2016 vakapedza $ 37,172 mumudzidzi wechikwereti chikwereti, uye avhareji yepamwedzi yevadzidzi yekubhadhara chikwereti che $ 351. Kubhadhara $ 200-300 mwedzi wega wega kubva pamari yako yekutora pamba kunogona kukanganisa zvakashata mushure mekureji. Iwe unogona kusakwanisa kuenda kuchikoro chema grad, unogona kunge uchida kugara nevabereki vako kwenguva yakareba, unogona kumanikidzwa kubvisa kutenga zvinhu zvawakagara uchitsvaka, uye zvichava zvakaoma kuchengetedza uye kuzvipa mari yako.
Isa chikwereti chevadzidzi chinobhadhara pamwe chete nemari yekushandisa uye kupinda, uye inogona kunge iri ziso rekuona.
Nyatsocherechedza matanho aunogona kutora kuti uderedze mari-ye-podhadha yemari yakadai semamwe mafomu emari, mari dzekuchengetedza mhuri, uye dzidzo dzevamwe.