Ephakamileyo ezintlanu, uyenzile! Uyihlawule imali-mboleko yakho yomfundi. Ngelixa kuthatha uqeqesho oluninzi lwezezimali ukufumana loo ntsalela kwi-0 yeedola, amanqaku akho etyala ngelishwa ngekhe abhiyozele ecaleni kwakho. Ngapha koko, emva kokuba uhlawule imali-mboleko yakho yomfundi, uya kubona ukwehla okuncinci kumanqaku akho etyala.
Yiya phambili kwaye ufake ifayile kwi-No fair, unika ntoni? Udidi kunye nenyani yokuba ityala lakho liya kuthatha indawo xa uthenge indlu.
Ke, kutheni le nto ukuhlawula imali-mboleko yakho yomfundi, amandla amakhulu ezemali, ebangela ukuba ityala lakho lihle?
Kubaqalayo, iimali mboleko zabafundi zihlala zinexesha elide lokuhlawula, ke, ngelixa ii-akhawunti zivulekile, zinceda ubudala bakho kwikhredithi.
Inqaku lakho letyala linokuthatha ukubetha xa uhlawula iakhawunti kuba yehlisa ubudala beminyaka kwiiakhawunti zakho, ucacisa uRandall Yates, umseki kunye neCEO Inethiwekhi yababolekisi , kwindawo yentengiso yemboleko ekwi-intanethi. Oku kuyinyani ngakumbi ukuba imali-mboleko yomfundi yenye yeeakhawunti zakho ezindala. Ukuba bekunjalo, unokubona ukwehla kwamanqaku ali-10 ukuya kweli-15.
Ukuba ne Umxube wekhredithi yenza iipesenti ezili-10 zamanqaku akho onke. Umxube ophilileyo wekhredithi uthetha ukuba uneakhawunti ezijikelezayo (cinga: amakhadi etyala) kunye nezavenge zeakhawunti (cinga: iimali mboleko zabafundi, iintlawulo zemoto). Ke, ukuba loo mali-mboleko yomfundi yayikukuphela kwemali-mboleko oyivulileyo, utsho uYates, amanqaku akho angathatha ukubetha okukhulu nangakumbi.
Oko kukuthi ukuba nezinye iiakhawunti ezivulekileyo, njengamakhadi etyala, ukubambisa ngento mboleko, okanye imali mboleko yemoto, kunokunceda ukukhupha amanqaku anokuvela xa sele uhlawule imali mboleko yakho, utshilo uBrianna McGurran, ingcali yezezimali INerdWallet , indawo yezemali.
Ngethuba nje wenza zonke iintlawulo zakho ngexesha, iakhawunti evaliweyo yemali mboleko yomfundi ayinakuba nefuthe elibi kumanqaku akho unaphakade, kwaye ukwehla kuya kuba kuncinci, utshilo.
Ukudibana kwetyala kunye nemali mboleko yomfundi yinto enkulu kwizigidi zeminyaka. Ityala lemali mboleko yomfundi e-United States ngoku ifikelele kwi-1.34 yezigidi zeedola, kwaye iphezulu kunamatyala ekhadi letyala.
Entsha ukufunda kuLuhlu lweeNdlu kufunyaniswe ukuba abasithoba kwali-10 leminyaka abaqeshi bafuna ukuthenga ikhaya, kodwa abangaphantsi kwesihlanu seepesenti bathi bazokwazi ukwenza oko kunyaka olandelayo. Ityala lomfundi ligcina ubunini makhaya bungafikeleleki kwiinkulungwane ezininzi. Uhlalutyo lufumanise ukuba iipesenti ezingama-23 zabafundi beekholeji ngaphandle kwetyala labafundi banokugcina ngokwaneleyo ukuhlawula phantsi kwiminyaka emihlanu ezayo, xa kuthelekiswa neepesenti ezili-12 zabafundi ababuyisela imali mboleko yomfundi.
Ukuhlawula imali-mboleko yakho yomfundi, ewe, sisenzo esihle semali, utshilo uMcGurran. Ngaphandle kokwenza ezo ntlawulo zenyanga nenyanga, uya kuba nemali eninzi oyigcinele intlawulo ephantsi (okanye enye into ofuna ukuyibekela loo mali).
Ngapha koko, uMcGurran uthi, ababolekisi kunye nabanikezeli bamakhadi bayawuthathela ingqalelo umyinge kumvuzo-kumvuzo wakho xa usenza isigqibo sokukuvuma. Ngezo mboleko-mali zabafundi zihlawuliweyo, umyinge kumvuzo-kumvuzo wakho uya kuba sezantsi, nto leyo elungileyo kwiprofayili yakho yekhredithi.
Ukuba inqaku lakho le-FICO lithathe i-hit, kwaye ujonge ukuyakha kwakhona ngokukhawuleza kangangoko unakho, unokucinga ngokusebenzisa ikhadi letyala ngendlela efanelekileyo yokunyusa, ucebisa uDavid Green, igosa eliyintloko lemveliso Ukunyaniseka , inkampani yokuhlawulwa kwemali mboleko yomfundi. Eyona ndlela yokufezekisa oku kukusoloko uhlawula ibhalansi yakho ngokupheleleyo inyanga nenyanga, kwaye ugcine iakhawunti ivulekile nokuba awuyisebenzisi inyanga nenyanga, utshilo.
Kulula kakhulu kunokuba ubuyele esikolweni kwaye uthathe imali mboleko yomfundi engaphezulu, akunjalo?
