Momwe Mungachepetsere EFC (FAQs) | 20238 kuwerenga

Ngati mudalemba fomu ya Free Application for Federal Student Aid (FAFSA), muyenera kuti mwalandira chikalata chotchedwa lipoti la thandizo la ophunzira lomwe lili ndi zopereka zabanja zomwe zikuyembekezeka (EFC),

Chizindikiro chofunikira chazachuma ichi chimatsimikizira kuchuluka kwa ndalama zomwe mukuyenera kulandira.

Zinthu zosiyanasiyana zimagwiritsidwa ntchito powerengera EFC yanu, monga ndalama za kholo lanu, katundu, kukula kwa banja, zaka za kholo, ndi chiwerengero cha achibale omwe amapita ku koleji.

Komabe, kwa mabanja ambiri, EFC ikhoza kukhala yokwera kwambiri, zomwe zimapangitsa kuti zikhale zovuta kulipira mtengo wa koleji.

Mwamwayi, pali njira zingapo zomwe mabanja angagwiritse ntchito kuti achepetse EFC yawo ndikuwonjezera kuyenerera kwawo thandizo la ndalama. Chifukwa, ndi EFC yotsika, mudzalandira thandizo lazachuma la federal.

Ndipo izi zidzakuthandizani kubweza ndalama zomwe mwasunga komanso ngongole za ophunzira mosavuta

Mu positi iyi yabulogu, tiwona njira zina zothandiza kwambiri zochepetsera EFC yanu ndikukulitsa chithandizo chanu chandalama.

Kodi EFC kapena Zopereka Zoyembekezeredwa Banja ndi Chiyani?

EFC, kapena Expected Family Contribution, ndi chiwerengero cha makoleji omwe amagwiritsa ntchito kuti adziwe kuchuluka kwa chithandizo chandalama chomwe mukuyenera kulandira m'chaka cha maphunziro chikubwerachi.

Expected Family Contribution (EFC) imawerengeredwa kuti idziwe kuchuluka kwa ndalama zomwe zikuyembekezeka kuperekedwa ndi banja la wophunzira pamaphunziro awo kwa chaka chimodzi.

Dipatimenti Yophunzitsa ku United States imapereka njira yapadera yomwe imagwiritsidwa ntchito powerengera zomwe banja likuyembekezera,

Njira yapaderayi imaganizira ndalama za banja lanu, katundu wa banja lanu, kukula kwa banja lanu, zaka za makolo anu okalamba, ndi chiwerengero cha achibale anu ku koleji.

EFC imagwiritsidwa ntchito ndi makoleji ndi mayunivesite kuti adziwe ngati wophunzira ali woyenerera kulandira thandizo lazachuma ku federal komanso kupereka ndalama zothandizira mabungwe ndi maphunziro.

Kutsika kwa zopereka za banja zomwe amayembekezeredwa, m'pamenenso wophunzirayo amafunikira ndalama zambiri, komanso thandizo lazachuma lomwe angayenere kulandira.

Muyeneranso kuzindikira kuti chopereka choyembekezeredwa kubanja sichimatanthawuza kuti mudzapereka ndalama zingati; mutha kulipira mocheperapo kapena kupitilira apo.

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Kodi Zopereka Zoyembekezeka za Banja Zimawerengedwa Motani?

Zomwe mumapereka pa Free Application for Federal Student Aid (FAFSA) zimagwiritsidwa ntchito kuwerengera zomwe mukuyembekezera pabanja.

FAFSA imaganizira zinthu zosiyanasiyana, kuphatikizapo;

• Ndalama zanu zonse zomwe zasinthidwa
• Ndalama zopanda msonkho komanso zopindulitsa
• Zosowa
• Kukula kwa banja
• Chitetezo cha anthu
• Trust fund values
• Malipiro a msonkho, etc.

Zotsatira za kuwerengetsaku ndi nambala yomwe ikuyimira kuchuluka kwa ndalama zomwe boma limakhulupirira kuti banja lanu lingathe kukuthandizani pa maphunziro anu.

Nthawi zambiri imakhala mu mawonekedwe a manambala 6 omwe angaphatikizepo ziro zotsogola.

Mwachitsanzo, ngati chopereka chanu chakubanja (EFC) ndi 000350, banja lanu likuyembekezeka kulipira $350.

Mmene Mungachepetsere Zopereka Za Banja Lanu

Ndikofunika kuzindikira kuti palibe njira yotsimikizirika yochepetsera EFC yanu, chifukwa imawerengedwa motengera zinthu zosiyanasiyana, kuphatikizapo ndalama, katundu, kukula kwa banja, ndi zina.

Komabe, potengera zomwe zili pamwambapa, mutha kutsitsa EFC yanu ndikuwonjezera kuyenerera kwanu kulandira thandizo lazachuma.

1. Muchulukitse kuchotsera kwanu ndi kusakhululukidwa

Iyi mwina ndi imodzi mwa njira zosavuta zochepetsera EFC yanu, ndipo zimangotengera mwayi wochotsera misonkho komanso kusakhululukidwa.

Pochepetsa ndalama zomwe mumapeza, mutha kutsitsa EFC yanu nthawi imodzi ndikuwonjezera kuyenerera kwanu kulandira thandizo lazachuma.

Nazi zina zomwe zachotsedwa ndi zochotsedwa zomwe muyenera kuziganizira:

• Ndalama Zamaphunziro

Mutha kutengera ndalama zokwana $4,000 zamaphunziro oyenerera pakubweza msonkho wanu, kuphatikiza maphunziro, chindapusa, mabuku, ndi zothandizira.

Ngati inu kapena mwamuna kapena mkazi wanu mwalembetsa ku koleji, mutha kukhala oyenerera kulandira Ngongole ya Lifetime Learning kapena American Opportunity Credit, yomwe ingakupatseni ndalama zina zamisonkho.

• Chidwi chanyumba

Ngati muli ndi nyumba, mukhoza kuchotsa chiwongoladzanja chomwe mumalipira pa ngongole yanu pa msonkho wanu wa msonkho. Kuchotsera uku kumatha kuchepetsa kwambiri ndalama zomwe mumapeza ndikutsitsa EFC yanu.

• Zopereka zothandizira

Ngati mupereka zopereka zachifundo ku mabungwe oyenerera, mukhoza kuchotsa chiwerengero cha zopereka zanu pa msonkho wanu wa msonkho. Izi zitha kuchepetsa ndalama zomwe mumapeza komanso kuchepetsa EFC yanu.

• Akaunti zosungira thanzi

Ngati muli ndi ndondomeko yathanzi yotsika mtengo, mutha kuthandizira ku akaunti yosungira thanzi (HSA) ndikuchotsa zopereka zanu pakubweza msonkho wanu. Izi zitha kuchepetsa ndalama zomwe mumapeza ndikutsitsa EFC yanu.

2. Gwiritsani ntchito mayeso osavuta a zosowa

Mayeso osavuta ofunikira ndi njira yomwe imagwiritsidwa ntchito kuwerengera EFC kwa ophunzira omwe amapeza ndalama zochepa.

Ngati ndalama za banja lanu zili zosakwana $50,000 ndipo mutha kulembetsa fomu ya msonkho ya 1040A kapena 1040EZ, mutha kukhala oyenerera mayeso osavuta.

Mayesowa amanyalanyaza katundu ndipo amangoganizira ndalama zomwe mumapeza powerengera EFC yanu, zomwe zingachepetse kwambiri EFC yanu.

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3. Ganizirani za kagawidwe ka chuma

Kuwerengera kwa EFC sikuphatikiza katundu monga maakaunti opuma pantchito ndi nyumba zoyambira.

Pogawa chuma chanu mwanzeru, mutha kuchepetsa EFC yanu popanda kukhudza chitetezo chanu chonse chazachuma.

Nawa maupangiri okhudza kugawa chuma chanzeru:

• Chulukitsani zopereka zopuma pantchito

Kupereka ku akaunti yopuma pantchito kumatha kuchepetsa ndalama zomwe mumapeza komanso kuchepetsa EFC yanu. Kuphatikiza apo, maakaunti opuma pantchito samawerengedwa ngati chuma powerengera EFC.

• Kulipira ngongole

Ngati muli ndi ngongole yachiwongola dzanja chambiri, monga ngongole ya kirediti kadi, kulipira kumachepetsa ndalama zomwe mumapeza ndikuchepetsa EFC yanu.

• Ganizirani za ngongole yanyumba.

Ngati muli ndi nyumba, mutha kutenga ngongole yanyumba kuti mulipire ndalama zaku koleji. Ngongole zanyumba sizimawerengedwa ngati chuma powerengera EFC.

4. Pemphani kuganiziridwa kwapadera

Mungakhale oyenerera kuganiziridwa mwapadera ngati mwakumana ndi kusintha kwakukulu pachuma chanu, monga kuchotsedwa ntchito kapena ndalama zomwe munagula mwadzidzidzi.

Izi zitha kupangitsa kuti EFC ikhale yotsika komanso kuwonjezereka koyenera kwa thandizo lazachuma.

Kuti mulembetse kuganiziridwa mwapadera, muyenera kulumikizana ndi ofesi yothandizira zachuma ku koleji kapena kuyunivesite yanu ndikupatseni zolemba za momwe zinthu ziliri.

5. Kuchulukitsa Kukula kwa Pabanja

Mukhoza kuchepetsa chopereka chanu cha banja mwa kuwonjezera kukula kwa banja.

Wapakhomo amaonedwa kuti amakhala m'nyumba, adzalandira 50% ya chithandizo chomwe mwana amalandira kuchokera kwa kholo lake pa maphunziro a koleji.

Monga kholo kapena wophunzira, poonjezera chiwerengero cha banja ndi chiwerengero cha ana omwe amapita ku koleji, mukhoza kuchepetsa zomwe mukuyembekezera pabanja,

Ngakhale simukhala ndi ulamuliro wathunthu pa izi.

6. Tsitsani chiwerengero cha katundu m'dzina la mwana kapena sungani katundu m'dzina la kholo.

Kuchepetsa zinthu zomwe zili m'dzina la mwana wanu kungathandize kuchepetsa zopereka zapabanja zomwe zimayembekezeredwa. Mukhoza kuyamba ndi kusamutsa katundu kuchokera pa dzina la mwanayo kupita ku dzina la wachibale wina, makamaka makolo.

Izi zithandizira kukweza ndalama zamisonkho chifukwa misonkho ya akulu ndi yokwera kwambiri kuposa ya mwana. Mutha kutsitsanso EFC popangitsa mwana wanu kuyamba ndikuthandizira ku IRA yawo.

7. Perekani ku Roth IRA m'dzina la mwanayo

Zopereka zanu ku IRA yachikhalidwe zitha kukupatsani mwayi wochotsera msonkho chaka chilichonse.

Ma IRA amatchedwa maakaunti opuma pantchito odziyimira pawokha, ndipo ndalama zomwe mumapereka ku IRA yanu sizimaganiziridwa kuti ndizothandizira ndalama.

Mafunso Ofunsidwa Kawirikawiri (FAQs) Pa Momwe Mungatsitsire EFC

Kutsiliza

Kuchepetsa zomwe zikuyembekezeka (EFC) zitha kukhala zovuta, koma sizingatheke.

Njira zingapo zitha kugwiritsidwa ntchito kuti muchepetse EFC yanu, kuphatikiza kutumiza Free Application for Federal Student Aid (FAFSA) mwachangu momwe mungathere, kukulitsa kuchotsera misonkho ndi ngongole, kupulumutsa ndalama m'maakaunti opeza misonkho, ndikuganiziranso njira zina zothandizira maphunziro monga thandizo, maphunziro, ndi mapulogalamu ophunzirira ntchito.

Ndikofunika kuzindikira kuti kuchepetsa EFC yanu sikutanthauza kuti mudzalandira ndalama zambiri zothandizira.

M'malo mwake, zimawonjezera kuyenerera kwanu kulandira chithandizo chotengera zosowa, zomwe zimaperekedwa potengera momwe banja lanu lilili.

Chifukwa chake, ndikofunikira kumvetsetsa bwino njira yothandizira ndalama komanso njira zomwe zimagwiritsidwa ntchito popereka chithandizo.

Kuonjezera apo, kufunafuna thandizo la katswiri wothandizira zachuma kapena katswiri wowerengera ndalama (CPA) kungakhale kopindulitsa pozindikira njira zina zochepetsera EFC yanu.

Ndikofunikira kuti tiyambe kukonzekera msanga ndikufufuza njira zonse zomwe zingatheke kuti muchepetse mavuto azachuma a maphunziro apamwamba ndikuwonetsetsa kuti ophunzira onse azitha kufikako, mosasamala kanthu za chuma chawo.

Chodabwitsa; Ndikukhulupirira kuti nkhaniyi yayankha funso lanu.

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Ngati mwapeza kuti nkhaniyi ndi yabwino, chonde gawanani ndi mnzanu.