Izimalimboleko Zesikole Sabahlengikazi Esikahle Kakhulu Zokuxhasa Imali Yakho Yemfundo ka-2023

Sizobe sikusiza ukuthi ugqamise ezinye zezikweletu ezingcono kakhulu zesikole sabahlengikazi ukuze uxhase imfundo yakho, okuhlanganisa nezinye izinketho ezifana nemifundaze yokuxhasa ngezimali isikole sakho sobuhlengikazi njengoba ukuya esikoleni sobuhlengikazi kulezi zinsuku kungamba eqolo, ikakhulukazi uma ucabanga ngeziqu eziphakeme. Blink futhi ulahlekelwe!

Izikweletu Ezinhle Kakhulu Zesikole Sobuhlengikazi

Uhlolojikelele Lwemalimboleko Yesikole Sobuhlengikazi

The Ihhovisi Lezabasebenzi Izibalo zilinganisela ukuthi umkhakha wabahlengikazi uzokhula ngo-15% eminyakeni eyishumi ezayo, okushesha kakhulu kunokujwayelekile. Inkokhelo yonyaka yabahlengikazi nayo inyukele ngaphezulu kwama- $ 10.

Ngakolunye uhlangothi, qiniseka ukuthi usebenzisa izinketho zakho zenhlangano ngaphambi kokuphendukela kubabolekisi abazimele. Izimali mboleko zabafundi zikahulumeni ziletha izinzuzo ezifana Nokuxolelwa Kwemalimboleko Yenkonzo Yomphakathi, abahlengikazi abaningi abangakwazi ukusizakala ngemuva kokuthweswa iziqu.

Izimali mboleko ezizimele zabafundi abahlengikazi ziyatholakala, futhi lokhu kungaba nengqondo uma uzuze kakhulu usizo lwakho lwenhlangano.

Abafundi abathweswe iziqu abanesikweletu esihle bangase bafune ukucabangela imali ebolekiwe yabafundi abahlengikazi abazimele uma bengaphasa ngenani lenzalo ephansi.

Uma ucabanga ngokuba umhlengikazi, ukhethe isikhathi esihle sokubona esikukhethayo ukuze uthole imali ebolekiwe engcono kakhulu yesikole sabahlengikazi ukuze uxhase imfundo yakho.

Imalimboleko Engcono Kakhulu Yesikole Sabahlengikazi Yokuxhasa Imfundo Yakho 2023

Ngokuya ngesimo sakho, kungadingeka ukuthi ukhiphe ukubolekwa kwabafundi ngezinga lakho lobuhlengikazi. Uma kunjalo, uzofuna ukuqinisekisa ukuthi uthola isivumelwano esihle kakhulu. Ngezansi kukhona uhlu lwezinketho;

1. Izimalimboleko Zobuhlengikazi zakwa-HRSA

I-Health Resources and Services Administration (HRSA) yinhlangano eyengamele uhlelo lweNurse Corps Loan Repayment Programme, esiza ukukhokha kuze kufike kuma-85% esikweletu sabafundi sabahlengikazi abasebenza ezindaweni ezinesidingo esikhulu.

Kodwa-ke, i-HRSA iphinde inikeze imali ebolekiwe yabafundi abahlengikazi ebiza kancane okungase kudingeke ukuthi ibhekisiswe.

Imalimboleko Yabahlengikazi (i-NSL)

Uhlelo lwe-NSL kuhloswe ngalo ukuhlinzeka ngemali mboleko yabafundi ebiza kancane kubafundi babahlengikazi ababencishwe amathuba. Ukuze ufanelekele lolu hlelo, uzodinga ukuya esikoleni esibambe iqhaza futhi unikeze ubufakazi besidingo sezezimali.

Amadiploma obuhlengikazi kanye nama-associate, ama-bachelor, kanye neziqu zobunesi bonke bafanelekile ku-NSL. Okwamanje, i-NSL iza nezinga lenzalo elingu-5% kanye nezinyanga eziyisishiyagalolunye, 0%-inkathi yomusa yenzalo.

Uhlelo Lokubolekwa Kwabahlengikazi (i-NFLP)

I-HRSA ifuna ukubona abahlengikazi abaningi abaphishekela iziqu zobunesi beba yikhono lobuhlengikazi abaqeqeshiwe.

Kungakho ibambisene nezikole ukuhlinzeka abafundi abafundela ubuhlengikazi abaneziqu ngezimali mboleko ezithengekayo zesikole sobuhlengikazi ngenani lenzalo engu-3%.

Okujabulisa kakhulu ngalolu hlelo, ukuthi lunikeza ukuxolelwa kwemali mboleko okungafika ku-85% yenani lemalimboleko eminyakeni emine.

Ukuze bafanelekele intethelelo yemalimboleko, abahlengikazi kudingeka bathole umsebenzi wesikhathi esigcwele njengothisha noma uthisha esikoleni sobuhlengikazi esigunyaziwe noma isikhungo sezempilo ngemva kokuthweswa iziqu.

2. Izimali mboleko zabafundi zikahulumeni

Uma kungabikho mali mboleko yesikole sabahlengikazi yakwa-HRSA ebonakala ikuthandeka kuwe noma ungafaneleki, izimalimboleko zabafundi zikahulumeni kungaba ukhetho lwakho olulandelayo.

Imali Ekhokhwayo Eqondisiwe

Uma unesidingo sezezimali, ungakwazi ukufanelekela ukuthola Imalimboleko Exhaswe Ngqo. Ngemuva kokuthi uthumele amaphepha adingekayo, isikole sabahlengikazi ofunda kuso sizonquma inani ongaliboleka.

Ngemalimboleko Exhaswa Ngqo, uMnyango Wezemfundo wase-US ukhokha inzalo kwizimalimboleko zakho zabafundi babahlengikazi kulezi zikhathi ezintathu ezilandelayo:

  • Ngenkathi usesikoleni okungenani isigamu sesikhathi
  • Phakathi nenkathi yakho yomusa yezinyanga eziyisithupha ngemva kokuthweswa iziqu
  • Ngenkathi usesikhathini sokuhlehliswa.

Imalimboleko Eqondile Exhasiwe ethathwe phakathi kukaJulayi 1, 2024, kanye noJuni 30, 2025, izofika namazinga enzalo alandelayo:

  • Izimalimboleko Eziqondile Ezixhaswe Ngama-Undergraduate Nezingakhokhelwa: 4.53%
  • Izimalimboleko Eziqondile Eziqedile: 6.08%
  • Izimalimboleko ze-Graduate and Parent PLUS: 7.08%

Uma ufanelekela ukuthola iMalimboleko Exhaswe Ngqo, lokhu kungaba inketho engabizi kakhulu ongayithola.

Izikweletu Ezinhle Kakhulu Zesikole Sobuhlengikazi
Imali Ekhokhwayo Engabhalisiwe

Imali mboleko eqondile engakhokhelwa iza nezinga lenzalo elifanayo nelabalingani babo abaxhaswe ngemali. Kepha kunomehluko omkhulu phakathi kwalokhu okubili:

  1. Imalimboleko Engaxhasiwe Eqondisiwe ayisuselwa kuzidingo ngakho-ke awudingi ukukhombisa isidingo sezezimali.
  2. Uhulumeni wesifundazwe akakhokhi inzalo kulezi zimali mboleko lapho abafundi besesikoleni noma esikhathini sabo somusa, noma lapho imali mboleko isenciphisiwe.

Kodwa-ke, amanani enzalo asakhanga kulezi zimali mboleko zezikole zabahlengikazi. Ngaphezu kwalokho, bafanelekela izinhlelo zokubuyisela imali engenayo kanye Nokuxolelwa Kwemalimboleko Yezisebenzi Zomphakathi.

PLUS Izimalimboleko

Imalimboleko yeDirect Plus ingasiza futhi kubaboleki abaphishekela iziqu zabo zobunesi.

Umzali PLUS Izimalimboleko vumela abazali ukuthi basize ukukhokhela iziqu zengane yabo. Ngokwengeziwe, Izimali mboleko zeGrad PLUS ziyatholakala kubafundi abaphothule iziqu asebevele baboleke imali efinyelela kwinani eliphakeme ngohlelo lweMalimboleko Eqondile.

Imali mboleko eqondile ye-PLUS iza namanani wenzalo alandelayo:

  • I-2019-20: 7.08%
  • I-2018-19: 7.6%

Kubalulekile ukuthi wazi, noma kunjalo, ukuthi uzodinga ukufaka isheke lesikweletu lapho ufaka isicelo seMali mboleko yeGrad PLUS. Futhi uma unomlando omubi wesikweletu, ungahle udinge ukuba ne-cosigner emalimboleko.

Funda Futhi:

Intethelelo Yemali Yomsebenzi Kahulumeni Yabahlengikazi

I-Public Service Loan Forgiveness (PSLF) iwuhlelo lwenhlangano yokuthethelela olutholakala kubasebenzi bakahulumeni kuphela.

Nge-PSLF, ababoleki abafanelekile bangafaka isicelo sokuthethelelwa ngemva kokwenza izinkokhelo ezifanelekayo eziyi-120. Ngaphezu kwalokho, cha intela engenayo kufanele inani elithethelelwe.

Yini enhle kangaka mayelana I-PSLF kubahlengikazi ukuthi ungafaneleka ngokuthola umsebenzi esibhedlela esingenzi nzuzo.

Uma usuvele unezinhlelo zokusebenza esibhedlela esingenzi nzuzo, ungahle uthande ukucabanga ngokuqinile ngokuthatha imali mboleko yabafundi ukuze ukwazi ukulandela i-PSLF.

NoteImali mboleko yabazali PLUS ayifanele i-PSLF kepha ingafaneleka ngokuhlanganiswa okuqondile kwemali mboleko. Noma kunjalo, ukufaneleka kususelwa kokuzali Umsebenzi, hhayi eyomfundi.

3. Izimalimboleko zabafundi ezizimele

Ungakhokhela iziqu zakho zobunesi ngezimalimboleko zabafundi ezizimele futhi. Kodwa-ke, ngeke ufaneleke kunoma yiziphi izinhlelo zokuxolelwa zombuso ngezimalimboleko ezizimele, futhi kungadingeka ukuthi uqale ukhokhe imali obolekiswe ngayo esikoleni sabahlengikazi ngokushesha.

Kodwa ungase ukwazi ukuthola isilinganiso senzalo esingcono kunomboleki ozimele kunalokho ongasithola ngemali mboleko yenhlangano.

Lokhu kungaba yiqiniso ikakhulukazi kwabathweswe iziqu imali mboleko yesikole sabahlengikazi ngoba amazinga wenzalo kaGrad PLUS (ngisho nokwehla kwawo okuzayo) asephakeme kakhulu kuma-7%.

Khumbula ukuthi inani lenzalo oyinikezwayo lizohlobene nokuma kwakho kwesikweletu. Futhi uma isikweletu sakho singesikhulu noma ungenawo umlando wesikweletu nhlobo, kuzodingeka ukuthi ube ne-cosigner.

Izikweletu Ezinhle Kakhulu Zesikole Sobuhlengikazi

Ama-Scholarship Akhona Ngobuhlengikazi

  • Umhlengikazi Nginguye I-Scholarship by Cherokee Uniforms - Imiklomelo efika ku-10 yezifundo, ngayinye ibiza u-$ 2,000, kubafundi abahlengikazi.
  • Inhlangano yaseMelika Yabahlengikazi Abanohlonze (AACN) - Inikeza Izifundo Eziqhubekayo Zokuthuthukiswa Kochwepheshe ukusiza amalungu athole ulwazi namakhono angaphezu kwemfundo yendabuko yobunesi. Inani elilinganiselwe lemifundaze yezifundo ezithile zemfundo lizoqhubeka nokunikezwa.
  • I-Cascade Healthcare Solutions Abahlengikazi Benza I-Scholarship Yomehluko - Umfundaze wonyaka we- $ 1,000 oklonyeliswa kumhlengikazi osafufusa okwamanje obhalisele (noma owamukelwe) uhlelo lwabahlengikazi abangaphansi kweziqu. Udinga ukuba yisakhamuzi esisemthethweni sase-US noma ube ne-visa yesitshudeni evumelekile ukuze ufake isicelo.
  • I-Delta State University - Izinhlobonhlobo zemifundaze ezinikezwa ukutadisha eRobert E. Smith School of Nursing.
  • UJohnson & Johnson Thola Isizindalwazi se-Nursing Scholarships - Sesha bese uthola imifundaze e-US ngokwesifundazwe, izinga lokufunda, kanye nezidingo ngaleli thuluzi eliwusizo, elibala ngaphezu kwe-340 imifundaze yabahlengikazi.
  • Inhlangano Kazwelonke Yabahlengikazi Abamnyama (NBNA) - Inikela ngezifundo zaminyaka yonke zabafundi abangamalungu e-NBNA noma amalungu esahluko sendawo, njengamanje ababhalise ohlelweni lwabahlengikazi abathola iziqu, futhi banonyaka okungenani owodwa wokufunda osele. Imiklomelo isukela ku-US $ 1,000 iye ku- $ 6,000.
  • INyakatho Illinois University - Izifundo ezahlukahlukene ziyatholakala zokufundela ubuhlengikazi. Ama-majors angenisiwe kuphela afanelekile.
  • Uhlelo lwe-NURSE Corps Scholarship Programme - lwenza abafundi bamukelwe noma babhalise kwi-diploma, Associate, baccalaureate, noma ezinhlelweni zabahlengikazi abaphothule iziqu zabo, ukuze bathole imali yokufunda, imali ekhokhelwayo, nezinye izindleko zemfundo ukuze basebenze endaweni efanelekile ye-NURSE Corps lapho beqeda iziqu. Abafakizicelo kumele babe izakhamizi zase-US (abazelwe noma abenziwe ngokwemvelo), abezizwe, noma izakhamuzi ezihlala njalo ezisemthethweni.
Izikweletu Ezinhle Kakhulu Zesikole Sobuhlengikazi

Funda Futhi:

Thatha Ekhaya

Impela, ngalo lonke lolu lwazi ezandleni zakho, akufanele ukhathazeke ngemali yesikole sobuhlengikazi.

Ngakho-ke uma uthola lolu lwazi luwusizo kakhulu, ungabelana ngalesi sixhumanisi futhi ubhalisele ikhasi lethu ukuze uthole izibuyekezo eziningi zokuthunyelwe okuhlobene.

Okuthunyelwe okufanayo

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