Indlela Yokufaka isicelo Sokukhishwa Kwemali Yomfundi Ngenxa Yokukhubazeka
Ingabe ukhutshazwe unomphela? Unayo imali evelele yomfundi? Uma kunjalo, ungase uvumeleke ukuba umklomelo wakho oxolelwe ngokufaka isicelo sokukhishwa kwemali mboleko. Lokhu kungakusiza ukuba ugweme ukucacisa ukulahleka ukuze ubolekwe imali yakho yomfundi ngokuphelele, inkokhelo kulabo abakhubazekile ngokuphelele.
Ukwenza isinqumo sokucela ukuthethelelwa kwemali mboleko kungaba nzima kwabanye.
Uyazi ukuthi usebenzise imali kodwa manje uthole ukuthi awukwazi ukuyibuyisela. Akuyona iphutha lakho ukuthi ukhutshaziwe. Uma uhlala ku- Social Security , ngokuqinisekile awukwazi ukukwazi ukukhokha imali yokubolekwa kwemali, njengoba isabelo somhlalaphansi. Ngisho noma ngabe unikezwe isinxephezelo sabasebenzi, kungase kube yiminyaka ngaphambi kokuba uthole imali kwenye yalezi zimangalo.
Ungacela kanjani i-Federal Student Loan Discharge
Yini ongayenza ukuze unciphise ukucindezeleka kwalezo zingcingo zeqoqo nokunciphisa isikweletu sakho? Thola ibhola elihamba ngehhovisi lika Federal Federal Aid, noma uMnyango Wezemfundo wase-United States. Manje banesayithi elilodwa lokufaka isicelo ku-Disabilitydischarge.com ukuze uqale uhlelo lwakho lokusebenza ku-intanethi.
Ukukhishwa okuphelele nokukhubazeka okuphelele (TPD) kukukhulula ekubuyiseleni imali ebolekwa nguWilliam D. Ford Federal Direct Loan (Direct Loan) Programme, loan loan ye-Federal Family Education Loan (FFEL), kanye / noma i-Federal Perkins Loan (Perkins Loan) Ukubolekwa kohlelo noma ugcwalise ukusizwa koMnyango wezeMfundo weKholeji kanye ne-Higher Education (TEACH).
Uzoqedela ulwazi lokuqala lwesicelo ku-inthanethi, bese uluphrinta isicelo esiphelele. Uzobe unamathisela amadokhumenti akho asekelayo futhi usayine ngudokotela wakho ngaphambi kokuyithumela ngeposi. UMnyango wezeMfundo uzothola bonke abakhombisi bakho bemali mboleko kanye nabanikazi bemali mboleko, njengoSallie Mae noma amaLwandle amaKhulu, futhi baqondise inqubo.
Lokhu kuzobandakanya ukubeka izinkokhelo zakho zemalimboleko ekubanjeni izinsuku ezingu-120 ngesikhathi senqubo yesicelo.
Isicelo sokuqala sokukhipha imali
Udokotela kufanele asayine isicelo sakho sokuthethelelwa kwemali mboleko. Qinisekisa ukuthi udokotela usho kahle ukuthi isimo esikhubaza siyini. Ukusho nje ukuthi umuntu ukhutshaziwe, ngaphandle kwencazelo eningiliziwe, uzothola kuphela isimangalo esenqatshelwe ngokulandelana. Kuzodingeka uqale inqubo ngokuphindaphindiwe.
Ngabe udokotela oyinhloko noma udokotela oyinhloko ugcine ikhophi le fomu efayilini lakho, njengoba i-Federal Student Aid ingaxhumana nabo ukuze uthole ulwazi oluthe xaxa uma kudingeka. Abafakizicelo banezinsuku ezingu-90 kusukela ngosuku odokotela abafaka ngayo ifomu ukulihambisa eMnyangweni Wezemfundo wase-US.
Uma uMnyango Wezemfundo wase-United States uthola ifomu, uzothunyelwa emnyangweni ophethe izicelo ze-TPD. Babuyekeza izicelo futhi, uma kunesidingo, bazocela ulwazi olwengeziwe kusuka kudokotela wakho, futhi kwezinye izimo, kusuka ku-Social Security Administration.
Ngemuva kokuthi ihhovisi le-TPD lithole isicelo sakho, uzothola incwadi ekukwazisa ukuthi isicelo sakho senziwa. Uzothola incwadi ukukwazisa ukuthi ngabe isicelo sakho sivunyiwe noma cha ezinyangeni ezimbili kuya kwezintathu.
Imalimboleko yakho izobe isesimweni sokumiswa ngalesi sikhathi.
Izeluleko Zokufaka Ukukhishwa Kwemali
Ngeshwa, njengoba kunjalo nangokwesikweletu somfundi ngokujwayelekile, le nqubo ingenye yokulibaziseka nokukhungatheka. Ngenxa yalesi sizathu, noma ubani ozama ukuthola izikweletu zakhe kufanele athathe lokhu okulandelayo:
- Qinisekisa ukugcina amakhophi azo zonke izicelo udokotela asayine. Uma udokotela wakho ehambisa ikhophi esikhungweni sokubolekwa kwemali mboleko noma eMnyangweni Wezemfundo wase-US, kufanele futhi uthumele ikhophi ngokuthumela i-imeyili njalo. Amafaksi anomkhuba wokunyamalala ngokungaqondakali noma ungalokothi ufinyelele lapho uya khona.
- Landela yonke imingcele ehlinzekwa ezikhungweni zokuhlinzeka ngemalimboleko noma eMnyangweni wezeMfundo we-US ukugwema ukubambezeleka nokuphika okuqondile.
- Uma ekuqaleni, awuphumelelanga, zama, zama futhi! Uma uhlaselwa okokuqala uma ufaka isicelo, sebenzisa kabusha. Kungase kuthathe ngaphezulu kweyodwa ukuzama ukuthola uhlelo lwakho lokusebenza luvunyelwe.
- Uma unamathele ukulinda ukuphinda usebenzise, ungakhohlwa ukuthi kunezinye izinketho zokuhlonza, kufaka phakathi ubunzima bezomnotho.
- Ungasebenzisi inkampani noma isevisi ukuhambisa uhlelo lwakho lokusebenza njengoba kungadingekile ukuya kunoma yimuphi umthombo ngaphandle kwewebhusayithi ye-DisabilityDischarge.com, futhi akufanele uphinde ukhokhe imali.
Isikhathi sokuqapha
Lokhu kuxolelwa kuphela kulabo abakhubazekile ngokuphelele futhi banomphela. Ngenxa yenani elikhulu labantu abathole ukuthethelelwa kodwa ngokushesha basebenzise ngokuphumelelayo, manje sekuyiminyaka emithathu yokuqapha ngaphandle kokuba ukukhubazeka kwakho kuqinisekiswe nguMnyango Wezilwane.
Kuzodingeka uphendule masinyane phakathi naleyo minyaka emithathu kunoma yiziphi izicelo zokuthola ulwazi kanye nobufakazi bokuthi usalokhu uhlangabezana nemigomo yokuthethelelwa. Imalimboleko yakho ingabuyiselwa uma ukwazi ukuthola imali engenayo ngaphezu kwezinga elithile, uma uthola imali eqhubekayo yomfundi, noma uma ukwaziswa ngu-SSA ukuthi awusasebenzi ngokuphelele futhi unomphela.
Okubalulekile
Khumbula: zonke izinhlelo zokusebenza zibhekwa njengesizathu sokwethenjelwa. Yingakho kubalulekile ukufaka ulwazi oluningi kwisicelo sakho ngangokunokwenzeka ukuze "abantu ngakolunye uhlangothi" baqonde icala lakho. Ngenkathi kungase kube inqubo ende futhi ekhishwe kwabanye, umphumela wokugcina ungasiza ekunciphiseni ukucindezeleka okuningi uma kuziwa ekuphatheni izimali zabakhubazekile.