Ukuba ujonge kwikholeji, unomdla wokufumana indlela yokunciphisa iGalelo lakho loSapho elilindelekileyo (okanye i-EFC, njengoko yaziwa njalo). Ngelixa iimfuno zezemali kwihlabathi lekholeji ziyindlela esisiseko, kukho amanyathelo athile asemthethweni kwaye anokunceda abafundi ukuba bagcine i-EFC yabo ichanekile kwaye incinci ngokusemandleni.
Ngaba abafazi abakhulelweyo banokuthatha i-tylenol pm
Ukuqonda iGalelo loSapho elilindelekileyo
Igalelo loSapho elilindelweyo yimilinganiselo yendlela enokulindelwa ngayo usapho ukuba longeze kwigalelo lonyaka omnye wokufunda kwiindleko zekholeji. Ifomula isetyenziselwa ukuqaqambisa ukuba yeyiphi na abafundi ekufuneka befumene uncedo (ezantsi i-EFC, ukufaneleka kokufumana uncedo lwezemali) Igalelo loSapho elilindelekileyo lithathela ingqalelo le miba ilandelayo:
- Ingeniso yerhafu yosapho ukusuka kwiminyaka emibini ngaphambili
- Ingeniso engabhatalwanga yosapho kwiminyaka emibini edlulileyo
- Impahla yosapho
- Izibonelelo zosapho
- Ubungakanani bentsapho
- Amanye amalungu osapho azakuya kwikholeji ngalo nyaka wezifundo owenza isicelo kuwo
- Amantombazana eKholeji afuna iMali
- Iingcebiso zeKholeji yokuSebenzisa
- Iingcebiso kwiKholeji entsha
Zimbini izibalo ze-EFC ezinokusetyenziswa: i-Federal Methodology (FM) kunye ne-Institutional Methodology (IM). Le yangaphambili isetyenziswa ikakhulu ziinkqubo zoluntu. Amaziko abucala aqhele ukusebenzisa ubalo lwesibini.
Iindlela Zomthetho Zokunciphisa Igalelo Lakho Losapho Olindelekileyo
Akufanele wenze ubuqhetseba ngokuxoka. IOfisi yoMhloli Jikelele iyatshutshisa ubuqhetseba bemali ngomsindo kwaye uthumela abantu entolongweni ngokunikezela ngabom ulwazi olungeyonyani. Ngombulelo, kukho iindlela ezinobuchule, zokugcina umthetho zokugcina i-EFC yakho isezantsi kwaye ichanekile.
Khulisa ubungakanani beKhaya
Ubukhulu bendlu yakho ubukhulu, i-EFC yakho iya kuba yaphantsi (kwiimeko ezininzi). Inkqubo ye- Isicelo sasimahla seFederal Student Aid (I-FAFSA) ithatha umntu njengenxalenye yendlu ukuba bahlala ekhaya kwaye ukuba umzali okanye abazali banikezela ngaphezulu kweepesenti ezingama-50 zenkxaso yomntu oxhomekeke kuye. Le ayisiyiyo into onokuyilawula, kodwa ukuba umntakwenu okanye umntu omdala oxhomekeke kuwe (ofana notatomkhulu okanye umakazi) ucinga ngokufuduka kodwa abaqinisekanga, buza ukuba bangakujonga na ukuhlala omnye unyaka xa uku isikolo.
Yandisa Ukuhamba kweeKholeji phakathi kwaMalungu oSapho
Ukuba uthathwa njenge Umfundi oxhomekeke kuye kwi-FAFSA, ubhaliso lwekholeji lwamalungu osapho lubalulekile. Ukuba abanye kusapho babhalisile ubuncinci kwinqanaba lokubhaliswa kwesiqingatha sexesha ngelixa usaya ekholejini, ke oku kungathoba i-EFC yakho. Ukuba omnye wabazali bakho okanye abantakwenu babiyelwe ngocingo malunga nokubhalisa kwikholeji, baxelele ukuba inokukunceda ukufaneleka kwemali yakho.
Linda De i-FAFSA ithathele ingqalelo ukuba uzimele
Njengoko kuchaziwe ngokweenkcukacha kwikhonkco 'lomfundi oxhomekekileyo' apha ngasentla, i-FAFSA ibuza imibuzo elishumi ukumisela ukuba ungumfundi oxhomekekileyo okanye ozimeleyo. Ukuba uXhomekekile, kufuneka ubandakanye ulwazi lwezezimali nolwekhaya lwabazali bakho. Ukuba kunjalo Ezizimeleyo , ubonelela kuphela ngolwazi lwakho lwezezimali kunye neqabane lakho. Ukuba uyazi ukuba imeko yakho yezemali ingangaphantsi kakhulu ngaphandle kwabazali bakho, cinga ukulinda de ube u-Independent ngaphambi kokufaka isicelo (njengaxa uneminyaka engama-24, utshatile, okanye enye yezinye iimfuno ezizimeleyo).
Ezinye iindlela zokuNciphisa i-EFC
- Yenza isicelo seMiqathango eKhethekileyo : Ukuba awuziva ukuba ulwazi lwezezimali kwi-FAFSA lungqamana nobunyani bakho bangoku, cela isikolo ukuba sikuthathele ingqalelo kwisigwebo sobungcali. Oku kuya kubandakanya ukugcwalisa iifom ezongezelelweyo, kodwa kwezinye iimeko isikolo siya kwenza okhethekileyo kwaye sinciphise i-EFC yakho ngokwenza ubunzima obuthile.
- Zijonge kathathu iimpendulo zakho ngokuchanekileyo Qiniseka ukuba uyayiqonda ngokupheleleyo le nto ibuzwa yile fomu. Impazamo ebubudenge njengokuphambanisa umvuzo wakho opheleleyo kunye nengeniso yakho okanye ukulibala izibonelelo zakho ezingahlawulisi rhafu kungayitshintsha i-EFC.
- Ixesha lokuthenga kwakho I-FAFSA ikubuza ukuba ungene malini onayo kwiiakhawunti zakho zokujonga kunye nokonga ukusukela ngala mhla wawuzalisa ngayo i-FAFSA. Ukuba ucwangcisa ukuthenga kakhulu kwiveki okanye kwinyanga enye, yenza ukuthengwa ngaphambi kokugcwalisa i-FAFSA. Ibhalansi encinci yeakhawunti yebhanki inokuba nefuthe kwi-EFC (nangona ingeyona mpembelelo iphambili).
- Yenza izigqibo ezifanelekileyo zotyalo-mali Iiasethi zabafundi zithwala ubunzima ngakumbi kwi-FAFSA. Hambisa iiasethi zomfundi kumzali okanye utatomkhulu ukuze i-EFC ingachaphazeleki. Elinye icebo: gcinani engqondweni ukuba i-401k yomzali ikhuselekile kwi-EFC ifuna inkqubo yohlalutyo, ke ukuba umzali urhoxisa i-401k yakhe ukuhlawula ikholeji, iya kususwa kwindawo yayo yokuhlala kwaye iya kuba ngumvuzo owonyusa i-EFC yakho.
- Sebenzisa iakhawunti yokonga ekholejini : Kwimigca yezigqibo zemali ezifanelekileyo, ukubeka imali kwiakhawunti yokonga ekholejini egameni lomzali njenge Isicwangciso se-529 yenye indlela yezixhobo ekufuneka uzihlawule ikholeji zingabinobunzima kakhulu kubalo lwe-EFC. Xa ulwabiwo lwenziwe ngalo, ababali njengengeniso kwifomula ye-EFC.
Akusoze Kube buhlungu ukuzama
Logama nje unyanisekile kwisicelo sakho, kuya kufuneka wenze izicwangciso ezifanelekileyo ngaphambi kokuba ufake isicelo soncedo lwezezimali. Ukuba uyakwazi ukwenza iqhinga lobomi bosapho kunye nezigqibo zemali, inokunciphisa i-EFC yakho kwaye inyuse noncedo lwakho lwezezimali. Nokuba awuqinisekanga, ayikaze ibe buhlungu ukuzama. Ungalibali ukujonga amanye amathuba okunceda ukuhlawula ikholeji, enjeukufundiswa ngokululakunye nezinyeiintlobo zoncedoezinje ngeenkqubo zokufunda emsebenzini.
