Maitiro ekudzikisa EFC (FAQs) | 20238 min kuverenga

Kana iwe wakamhan'ara Yemahara Yechikumbiro cheFederal Student Aid (FAFSA), unofanirwa kunge wakagamuchira gwaro rinonzi gwaro rerubatsiro rwemudzidzi rine mupiro wemhuri unotarisirwa (EFC),

Ichi chakakosha chiratidzo chemari chinotarisa kuti ingani rubatsiro rwemari rwaunokodzera.

Zvinhu zvakasiyana zvinoshandiswa pakuverenga EFC yako, semari yemubereki wako, midziyo, ukuru hwemhuri, zera remubereki akura, uye nhamba yenhengo dzemhuri dzinoenda kukoreji.

Nekudaro, kumhuri zhinji, iyo EFC inogona kunge yakakwira zvakanyanya, zvichiita kuti zviome kuwana mutengo wekoreji.

Neraki, kune akati wandei nzira dzinogona kushandiswa nemhuri kudzikisira EFC yavo uye kuwedzera kukodzera kwavo kuwana rubatsiro rwemari. Nekuti, neEFC yakaderera, iwe uchagamuchira mamwe federal rubatsiro rwemari.

Uye izvi zvinokubatsira kuti uvhare mari yako yawakachengeta uye zvikwereti zvevadzidzi zviri nyore

Mune ino blog post, isu tichaongorora dzimwe dzedzinoshanda nzira dzekudzikisa yako EFC uye nekuwedzera rubatsiro rwako rwemari.

Chii chinonzi EFC kana Inotarisirwa Mupiro Wemhuri?

EFC, kana Mupiro Wemhuri Inotarisirwa, inhamba yenhamba yemakoreji anoshandisa kuona huwandu hwerubatsiro rwemari rwaunokodzera kuwana mugore redzidzo riri kuuya.

Expected Family Contribution (EFC) inoverengerwa kuti ione huwandu hwemari inotarisirwa kuvharwa nemhuri yemudzidzi kuenda kudzidzo yavo kwegore.

Dhipatimendi reDzidzo reUS rinopa fomula yakasarudzika inoshandiswa kuverenga mupiro wemhuri unotarisirwa,

Iyi yakasarudzika fomula inotarisisa mari yemhuri yako, midziyo yemhuri yako, saizi yemhuri yako, zera revabereki vako vakuru, uye nhamba yenhengo dzemhuri mukoreji.

EFC inoshandiswa nemakoreji nemayunivhesiti kuona kuti mudzidzi anokodzera here kuwana rubatsiro rwemari yemubatanidzwa uye kupa rubatsiro kuzvikoro uye mabhezari.

Kudzikira kwemupiro wemhuri unokarirwa, kunowedzera kudiwa kwemari kwomudzidzi, uye rubatsiro rwemari rwakawanda rwavangave vakakodzera kugamuchira.

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Unofanira kucherechedzawo kuti mupiro wemhuri unotarisirwa hautsananguri kuti uchabhadhara marii; unogona kubhadhara zvakanyanya zvishoma kana kutopfuura.

Sezvaunoverenga pane "nzira yekudzikisa EFC," verenga zvakare:

Mupiro Wemhuri Unotarisirwa Kuverengwa Sei?

Ruzivo rwaunopa paMahara Chikumbiro cheFederal Student Aid (FAFSA) rinoshandiswa kuverenga mupiro wako wemhuri unotarisirwa.

Iyo FAFSA inotarisa zvakasiyana siyana, kusanganisira;

  • Mari yako yakagadziridzwa
  • Mari isingabhadharwi uye mabhenefiti
  • midziyo
  • Saizi yemhuri
  • Social securities
  • Trust fund values
  • Mitero yemitero, nezvimwewo.

Mhedzisiro yekuverenga iyi inhamba inomiririra huwandu hwemari iyo hurumende yemubatanidzwa inotenda kuti mhuri yako inogona kupa mari yako yekudzidza.

Kazhinji iri muchimiro chenhamba ye6-manhamba inogona kusanganisira inotungamira zero.

Semuenzaniso, kana mhuri yako yaunotarisira mupiro (EFC) iri 000350, mhuri yako inotarisirwa kubhadhara $350.

Nzira Yokuderedza Mipiro Yako Yaunotarisira Mhuri

Zvakakosha kuziva kuti hapana nzira yakavimbiswa yekuderedza EFC yako, sezvo inoverengwa zvichienderana nezvinhu zvakasiyana-siyana, kusanganisira mari, midziyo, ukuru hwemhuri, nezvimwe.

Nekudaro, nekutora matanho ari pamusoro, unogona kudzikisa EFC yako uye kuwedzera kukodzera kwako kwerubatsiro rwemari.

1. Wedzera kubviswa kwako uye kusaregererwa

Iyi ingangove imwe yenzira dzakareruka dzekudzikisa EFC yako, uye zvinongosanganisira kutora mukana wezvese zviripo zvekubviswa mutero uye kuregererwa.

Nekudzikisa mari yako yemutero, unogona kudzikisa EFC yako panguva imwe chete uye kuwedzera kukodzera kwako kwerubatsiro rwemari.

Heano mamwe ekubviswa uye kusabvumirwa kufunga:

  • Mari Dzidzo

Iwe unogona kubvisa kusvika ku $4,000 yemari yedzidzo inokodzera pamutero wako wekudzoka, kusanganisira tuition, mubhadharo, mabhuku, uye zvekushandisa.

Kana iwe kana wawakaroorana naye wakanyoresa kukoreji, unogona zvakare kukodzera iyo Lifetime Learning Chikwereti kana iyo American Opportunity Credit, iyo inogona kupa imwe mari yekuchengetedza mutero.

  • Moge mubereko

Kana iwe uine imba, unogona kutora chikwereti chaunobhadhara pachikwereti chako pamutero wako wekudzoka. Kubviswa uku kunogona kuderedza zvakanyanya mari yaunowana uye kuderedza EFC yako.

  • Mipiro yekubatsira

Kana iwe ukapa zvipo zvekubatsira kumasangano akakodzera, unogona kubvisa nhamba yezvipo zvako pamutero wako wekudzoka. Izvi zvinogona kuderedza mari yako inobhadhara uye kuderedza EFC yako.

  • Nhoroondo dzekuchengetedza hutano
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Kana uine chirongwa chehutano chakanyanya-deductible, unogona kubatsira kuakaundi yekuchengetedza hutano (HSA) uye kubvisa mipiro yako pamutero wako wekudzoka. Izvi zvinogona kuderedza mari yako inotengesa uye kuderedza EFC yako.

2. Shandisa bvunzo dzakareruka dzezvinodiwa

Iyo yakarerutswa inodiwa bvunzo iri fomula rinoshandiswa kuverenga iyo EFC yechokwadi vadzidzi vane mari shoma.

Kana mari yemhuri yako iri pasi pe $50,000 uye ukakwanisa kuisa fomu remutero re1040A kana 1040EZ, unogona kukodzera kuongororwa zvinodiwa zviri nyore.

Uyu muedzo unofuratira zvinhu uye unongotarisa mari kana uchiverenga EFC yako, iyo inogona kuderedza zvakanyanya EFC yako.

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3. Funga nezve Strategic asset allocation

Kuverengera kweEFC hakusanganisi zvinhu zvakaita seakaunzi ekurega basa uye pekugara pekutanga.

Nekugovera zvine hungwaru zvinhu zvako, unogona kuderedza EFC yako usingakanganise kuchengetedzeka kwako kwemari.

Heano mamwe matipi estrategic asset allocation:

  • Kurisa mipiro yekurega basa

Kupa kuakaunti yekurega kunogona kuderedza mari yako inobhadhara uye kuderedza EFC yako. Pamusoro pezvo, maakaundi ekurega basa haaverengwe semidziyo kana uchiverenga EFC.

  • Pay-down chikwereti

Kana uine chikwereti chakanyanya-chibereko, chakadai sechikwereti chekadhi rechikwereti, kuripa pasi kunogona kuderedza mari yako inobhadhara uye kuderedza EFC yako.

  • Funga nezvechikwereti cheimba.

Kana iwe uine imba, unogona kutora chikwereti cheimba yekubhadhara mari yekoreji. Zvikwereti zvemumba hazviverengwe semidziyo kana uchiverenga EFC.

4. Nyorera kune mamwe mamiriro ezvinhu

Iwe unogona kunge uchikodzera kune akasiyana mamiriro ekutariswa kana iwe wakasangana nekuchinja kukuru mumamiriro ako emari, sekurasikirwa nebasa kana mari isingatarisirwe yekurapwa.

Izvi zvinogona kuguma neEFC yakaderera uye kuwedzerwa rubatsiro rwemari.

Kuti unyorere kune akasarudzika mamiriro ekufunga, unofanirwa kubata hofisi yekubatsira mari pakoreji yako kana yunivhesiti uye nekupa zvinyorwa zvemamiriro ako.

5. Kuwedzera Kukura Kwemhuri

Unogona kuderedza mupiro wako wemhuri unokarirwa nokuwedzera ukuru hwemhuri.

Mumwe wemumba anonzi anogara mumba, anogashira kusvika 50% yerutsigiro rwunopihwa nemwana kubva kumubereki wake kuti aende kukoreji.

Semubereki kana mudzidzi, nekuwedzera nhamba yeimba uye nhamba yevana vanoenda kukoreji, unogona kuderedza mupiro wako wemhuri unotarisirwa,

Kunyangwe iwe usingagare uine kutonga kwakazara pamusoro peizvi.

6. Dzikisa nhamba yemidziyo muzita remwana kana chengeta midziyo muzita remubereki.

Kuderedza zvinhu zviri muzita remwana wako kunogona kubatsira kuderedza mipiro yemhuri inotarisirwa. Unogona kutanga nekutamisa zvinhu kubva pazita remwana uchienda kuzita reimwe nhengo yemhuri, kunyanya vabereki.

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Izvi zvichabatsira kusimudzira mari dzemutero sezvo mutero wevanhu vakuru wakakwira zvakanyanya pane wemwana. Iwe unogona zvakare kudzikisa EFC nekuita kuti mwana wako atange uye kugovera kuIRA yavo.

7. Batsira kuRoth IRA muzita remwana

Mipiro yako kune yechinyakare IRA inogona kukupa mvumo yekubvisirwa mutero gore rega rega.

IRAs inonzi Independent retirement accounts, uye mari yaunopa kuIRA yako haionekwi semidziyo yerubatsiro rwemari.

Mibvunzo Inowanzo bvunzwa (FAQs) Pamusoro peKudzikisa EFC

Ndeipi iyo yakaderera inobvira nhamba yeEFC?

Iyo yakaderera EFC nhamba iyo munhu anogona kuve nayo i zero. Kune rimwe divi, 99,999 ndiyo yepamusoro nhamba yeEFC.

Ndeipi avhareji yemari yeEFC?

Avhareji yeEFC mari i $10,000.

Chii chinonzi EFC kugadzirisa?

Ngatitii mamiriro emari emhuri yenyu achinja kuva nani kubva pane zvinoratidzwa nemubatanidzwa wemari yemutero. Muchiitiko ichocho, iwe unokwanisa kugadzirisa rubatsiro rwemari.


Chii chandingaita kana EFC yangu yakanyanyisa?

Kana EFC yako yakakwira zvakanyanya, ungangoda kuvimba nechikwereti chemudzidzi wega wega kuti ubate mabasa emari ayo mhuri yako isingakwanise kubata yega.

mhedziso

Kuderedza mupiro wemhuri unotarisirwa (EFC) kunogona kuva kwakaoma, asi hazvigoneki.

Mazano akati wandei anogona kushandiswa kuderedza EFC yako, kusanganisira kuisa Yemahara Chikumbiro cheFederal Student Aid (FAFSA) nekukurumidza sezvinobvira, kuwedzera kubviswa kwemutero uye kiredhiti, kuchengetedza mari zvine hungwaru mumaakaundi anobhadhara mutero, uye kufunga nezveimwe nzira yekuwana mari yedzidzo senge. ma grants, mabhezari, uye zvirongwa zvebasa rekudzidza.

Zvakakosha kuziva kuti kuderedza EFC yako hazvirevi kuti uchawana rubatsiro rwemari.

Pane kudaro, zvinowedzera kukodzera kwako kuwana rubatsiro-rwakavakirwa rubatsiro, runopiwa zvichienderana nemamiriro emari emhuri yako.

Naizvozvo, zvakakosha kuve nekunzwisisa kwakajeka kwemaitiro ekubatsira kwemari uye maitiro anoshandiswa kupa rubatsiro.

Pamusoro pezvo, kutsvaga rubatsiro rwenyanzvi yerubatsiro rwemari kana certified public accountant (CPA) kunogona kubatsira mukuona dzimwe nzira dzinobvira dzekudzikisa EFC yako.

Izvo zvakakosha kuti utange kuronga nekukurumidza uye kuongorora zvese zvinogoneka zvingasarudzwa kuti uderedze mutoro wezvemari wedzidzo yepamusoro uye kuona kuti inowanikwa kune vese vadzidzi, zvisinei nemamiriro avo emari.

Awesome one; Ndinovimba chinyorwa ichi chinopindura mubvunzo wako.

Zvinotarisirwa neMupepeti:

Kana iwe ukawana chinyorwa ichi chakanaka, ndapota chigovera neshamwari.