Indlela Yehlisa I-EFC (FAQs) | 20238 min ifundwe

Uma ufake isicelo samahhala se-Federal Student Aid (FAFSA), kufanele ukuthi uthole idokhumenti ebizwa ngokuthi umbiko wosizo lwabafundi oqukethe umnikelo womndeni olindelwe (EFC),

Le nkomba yezezimali ebalulekile inquma ukuthi lungakanani usizo lwezezimali olufanelekelayo.

Kusetshenziswa izici ezihlukene lapho kubalwa i-EFC yakho, njengeholo lomzali wakho, izimpahla, usayizi womndeni, iminyaka yomzali omdala, kanye nenani lamalungu omndeni afunda ekolishi.

Kodwa-ke, emindenini eminingi, i-EFC ingaba phezulu kakhulu, okwenza kube nzima ukukhokhela izindleko zasekolishi.

Ngenhlanhla, kunamasu amaningana imindeni engawasebenzisa ukuze yehlise i-EFC yayo futhi yandise ukufaneleka kwayo ukuthola usizo lwezezimali. Ngoba, nge-EFC ephansi, uzothola usizo lwezezimali oluthe xaxa.

Futhi lokhu kuzokusiza ukumboza imali oyilondolozile kanye nemali mboleko yabafundi kalula

Kulokhu okuthunyelwe kwebhulogi, sizohlola ezinye zezindlela eziphumelela kakhulu zokwehlisa i-EFC yakho futhi wandise usizo lwakho lwezezimali.

Iyini i-EFC noma Umnikelo Womndeni Olindelwe?

I-EFC, noma Umnikelo Womndeni Olindelwe, inombolo yenkomba yamakolishi ayisebenzisayo ukunquma inani losizo lwezezimali olufanelekela onyakeni wezifundo ozayo.

I-Expected Family Contribution (EFC) ibalwa ukuze kutholwe inani lemali elilinganiselwe okulindeleke ukuthi likhokhelwe umndeni womfundi mayelana nemfundo yabo unyaka wonke.

UMnyango Wezemfundo wase-US uhlinzeka ngefomula eyingqayizivele esetshenziselwa ukubala umnikelo womndeni olindelekile,

Le fomula eyingqayizivele icabangela imali engenayo yomndeni wakho, izimpahla zomndeni wakho, usayizi womndeni wakho, iminyaka yabazali bakho abadala, kanye nenani lamalungu omndeni ekolishi.

I-EFC isetshenziswa amakolishi namanyuvesi ukunquma ukufaneleka komfundi ukuthola usizo lwezezimali lukahulumeni kanye nokuklomelisa usizo lwesikhungo nemifundaze.

Ukuncipha komnikelo womndeni olindelekile, isidingo sezimali somfundi siphezulu, kanye nosizo lwezezimali olwengeziwe angase afanelekele ukuluthola.

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Kufanele futhi uqaphele ukuthi umnikelo womndeni olindelekile awuchazi ukuthi uzokhokha malini; ungakhokha kakhulu kancane noma ngaphezulu.

Njengoba ufunda "indlela yokunciphisa i-EFC," funda futhi:

Ibalwa Kanjani Iminikelo Yomndeni Elindelwe?

Ulwazi olunikezayo kuSicelo Samahhala Se-Federal Student Aid (FAFSA) lusetshenziselwa ukubala umnikelo olindelwe womndeni wakho.

I-FAFSA ibheka izinto ezihlukahlukene, ezihlanganisa;

  • Imali engenayo yonke elungisiwe
  • Imali engenayo nezinzuzo ezingakhokhiswa intela
  • Amafa
  • Usayizi womndeni
  • Izibambiso zomphakathi
  • Amanani esikhwama sokuthembela
  • Izibonelelo zentela, njll.

Umphumela walesi sibalo inombolo emelela inani lemali uhulumeni wobumbano akholelwa ukuthi umndeni wakho unganikela ezindlekweni zakho zemfundo.

Ivamise ukuba sesimweni senombolo enezinhlamvu eziyisi-6 engafaka oziro abaholayo.

Isibonelo, uma umnikelo wakho womndeni olindelekile (EFC) ungu-000350, umndeni wakho kulindeleke ukuthi ukhokhe u-$350.

Indlela Yokunciphisa Iminikelo Yakho Elindelwe Yomndeni

Kubalulekile ukuqaphela ukuthi ayikho indlela eqinisekisiwe yokunciphisa i-EFC yakho, njengoba ibalwa ngokusekelwe ezicini ezihlukahlukene, okuhlanganisa imali engenayo, amafa, ubukhulu bomndeni, nokuningi.

Nokho, ngokuthatha izinyathelo ezingenhla, ungase ukwazi ukwehlisa i-EFC yakho futhi wandise ukufaneleka kwakho ukuthola usizo lwezezimali.

1. Khulisa izimali ezibanjwayo kanye nokukhululwa

Lokhu cishe kungenye yezindlela ezilula kakhulu zokwehlisa i-EFC yakho, futhi kuhilela nje ukusizakala ngakho konke ukudonswa kwentela okutholakalayo nokukhululwa.

Ngokwehlisa imali engenayo ekhokhiswa intela, ungehlisa i-EFC yakho kanyekanye futhi wandise ukufaneleka kwakho ukuthola usizo lwezezimali.

Nazi ezinye izimali ezidonswayo kanye nokukhululwa okufanele kucatshangelwe:

  • Izindleko Zezemfundo

Ungadonsa kufikela ku-$4,000 wezindleko zemfundo ezifanelekayo ekubuyiselweni kwakho kwentela, okuhlanganisa ukufundiswa, izimali ezikhokhwayo, izincwadi, kanye nezinsiza.

Uma wena noma owakwakho nibhalise ekolishi, ningase futhi nifanelekele Ikhredithi Yokufunda Impilo Yonke noma I-American Opportunity Credit, engakunikeza ukonga okwengeziwe kwentela.

  • Inzalo yemali mboleko

Uma ungumnikazi womuzi, ungadonsa inzalo oyikhokhayo esikweletini sakho ekubuyiselweni kwakho kwentela. Lokhu kubanjwa kunganciphisa kakhulu imali engenayo ekhokhiswa intela futhi kwehlise i-EFC yakho.

  • Iminikelo yokupha

Uma unikela ezinhlanganweni eziqeqeshiwe, ungadonsa inombolo yeminikelo yakho embuthweni wakho wentela. Lokhu kungehlisa imali engenayo ekhokhiswa intela futhi kunciphise i-EFC yakho.

  • Ama-akhawunti okonga impilo
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Uma unohlelo lwezempilo oludonswa imali ephezulu, ungakwazi ukufaka isandla ku-akhawunti yokonga impilo (HSA) futhi udonse iminikelo yakho ekubuyiselweni kwakho kwentela. Lokhu kungehlisa iholo lakho elikhokhiswa intela futhi kwehlise i-EFC yakho.

2. Sebenzisa ukuhlolwa kwezidingo okwenziwe lula

Ukuhlolwa kwezidingo okwenziwe lula kuyifomula esetshenziselwa ukubala i-EFC yabafundi abahola kancane.

Uma iholo lomndeni wakho lingaphansi kuka-$50,000 futhi ungakwazi ukufaka ifomu lentela elithi 1040A noma 1040EZ, ungase ufanelekele ukuhlolwa kwezidingo okwenziwe lula.

Lokhu kuhlola kuziba izimpahla futhi kucabangela imali engenayo kuphela lapho ubala i-EFC yakho, engehlisa kakhulu i-EFC yakho.

Funda kabanzi:

3. Cabangela ukwabiwa kwempahla kwamasu

Isibalo se-EFC asifaki izimpahla ezifana nama-akhawunti omhlalaphansi nezindawo zokuhlala eziyinhloko.

Ngokwaba impahla yakho ngendlela ehlelekile, ungakwazi ukunciphisa i-EFC yakho ngaphandle kokuba nomthelela kukonke ukuphepha kwakho kwezezimali.

Nawa amanye amathiphu wokwabiwa kwempahla yamasu:

  • Khulisa iminikelo yomhlalaphansi

Ukunikela ku-akhawunti yomhlalaphansi kungehlisa imali engenayo ekhokhiswa intela futhi kunciphise i-EFC yakho. Ukwengeza, ama-akhawunti omhlalaphansi awabalwa njengezimpahla lapho kubalwa i-EFC.

  • Isikweletu sokukhokha

Uma unesikweletu esinenzalo enkulu, njengesikweletu sekhadi lesikweletu, ukusikhokha kunganciphisa iholo lakho elikhokhiswa intela futhi kunciphise i-EFC yakho.

  • Cabangela imalimboleko ye-home equity.

Uma unomuzi, ungase ukwazi ukuthatha imali ebolekiwe ye-home equity ukuze ukhokhele izindleko zasekolishi. Izimali mboleko zezindlu azibalwa njengezimpahla lapho kubalwa i-EFC.

4. Faka isicelo sokucatshangelwa kwezimo ezingavamile

Ungase ufaneleke ukucatshangelwa kwezimo ezingavamile uma uye wabhekana noshintsho olukhulu esimweni sakho sezezimali, njengokulahlekelwa umsebenzi noma izindleko zezokwelapha ezingalindelekile.

Lokhu kungase kubangele i-EFC ephansi kanye nokufaneleka kosizo lwezezimali olwengeziwe.

Ukufaka isicelo sokucatshangelwa kwezimo ezingavamile, kufanele uxhumane nehhovisi losizo lwezezimali ekolishi lakho noma enyuvesi futhi unikeze imibhalo yezimo zakho.

5. Ukwandisa Ubukhulu Bekhaya

Ungakwazi ukunciphisa umnikelo womndeni owulindele ngokwandisa usayizi wekhaya.

Ilungu lomndeni libhekwa njengelihlala ekhaya, lizothola kuze kufike ku-50% wokwesekwa ingane ekuthola kumzali wayo ngemfundo yasekolishi.

Njengomzali noma umfundi, ngokwandisa inombolo yomndeni kanye nenani lezingane ezifunda ekolishi, unganciphisa umnikelo owulindele womndeni wakho,

Nakuba ungenakho njalo ukulawula okuphelele kulokhu.

6. Yehlisa inani lezimpahla egameni lengane noma gcina izimpahla egameni lomzali

Ukunciphisa amafa egameni lengane yakho kungasiza ekunciphiseni iminikelo yomndeni elindelekile. Ungaqala ngokususa izimpahla egameni lengane uziyise egameni lelinye ilungu lomndeni, okungcono kakhulu abazali.

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Lokhu kuzosiza ukukhulisa ukonga intela njengoba ubakaki wentela wabantu abadala uphakeme kakhulu kunowengane. Ungakwazi futhi ukwehlisa i-EFC ngokwenza ingane yakho iqale futhi inikele ku-IRA yayo.

7. Faka isandla ku-Roth IRA egameni lomntwana

Iminikelo yakho ku-IRA yendabuko ingakunika ilungelo lokudonswa intela unyaka ngamunye.

Ama-IRA abizwa ngokuthi ama-akhawunti omhlalaphansi azimele, futhi imali oyinikela ku-IRA yakho ayithathwa njengempahla yosizo lwezezimali.

Imibuzo Evame Ukubuzwa (FAQs) Mayelana Nendlela Yehlisa I-EFC

Iyiphi inombolo ye-EFC ephansi kakhulu?

Inombolo ye-EFC ephansi kakhulu umuntu angaba nayo inguziro. Ngakolunye uhlangothi, i-99,999 iyinombolo ye-EFC ephakeme kakhulu.

Iyini isilinganiso senani le-EFC?

Isilinganiso senani le-EFC ngu-$10,000.

Kuyini ukulungiswa kwe-EFC?

Ake sithi isimo sezezimali somndeni wakho nesimo sesishintshile saba ngcono kusukela kulokho okubonisa ukubuyiswa kwentela yemali engenayo yenhlangano. Uma kunjalo, ufanelekele ukulungiswa kosizo lwezezimali.


Yini engingayenza uma i-EFC yami iphezulu kakhulu?

Uma i-EFC yakho iphezulu kakhulu, kungase kudingeke uncike emalimboleko yabafundi yangasese ukuze uphathe izibopho zezezimali umndeni wakho ongeke ukwazi ukuzisingatha uwedwa.

Isiphetho

Ukunciphisa umnikelo womndeni olindelekile (EFC) kungaba inselele, kodwa akunakwenzeka.

Amasu amaningana angasetshenziswa ukunciphisa i-EFC yakho, okuhlanganisa ukufaka Isicelo Samahhala Se-Federal Student Aid (FAFSA) kusenesikhathi, ukwandisa ukudonswa kwentela kanye nezikweletu, ukonga imali ngama-akhawunti azuze intela, kanye nokucabangela enye imithombo yokuxhasa imfundo efana izibonelelo, imifundaze, nezinhlelo zokufunda ngomsebenzi.

Kubalulekile ukuqaphela ukuthi ukwehlisa i-EFC yakho akusho ukuthi uzothola usizo olwengeziwe lwezezimali.

Kunalokho, kukhulisa ukufaneleka kwakho ukuthola usizo olusekelwe esidingweni, olunikezwa ngokusekelwe esimweni sezezimali somndeni wakho.

Ngakho-ke, kubalulekile ukuqonda ngokucacile inqubo yosizo lwezezimali kanye nemibandela esetshenziselwa ukunikeza usizo.

Ukwengeza, ukufuna usizo lwengcweti yosizo lwezezimali noma i-accountant yomphakathi eqinisekisiwe (CPA) kungaba yinzuzo ekuhlonzeni amanye amasu okunciphisa i-EFC yakho.

Kubalulekile ukuthi kuqalwe ukuhlela kusenesikhathi futhi kubhekwe zonke izindlela ongakhetha kuzo ukuze kuncishiswe umthwalo wezezimali wemfundo ephakeme nokuqinisekisa ukuthi ifinyeleleka kubo bonke abafundi, kungakhathaliseki ukuthi banesizinda esinjani sezezimali.

Owesabekayo; Ngithemba ukuthi lesi sihloko siyawuphendula umbuzo wakho.

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