Abokin Sa hannu na Lamuni na ɗalibi mai zaman kansa Mutuwa ko Rarraba, Rage Nakasa, da Taimakon Rufe Makaranta¶

Bude wasiƙa daga ma'aikacin lamuni na ɗalibi mai zaman kansa yana buƙatar gaggawa, cikakken ma'auni na lamunin ilimi na $45,000 'yan makonni bayan iyayenku ko abokin haɗin gwiwar kakanku sun mutu ko kuma sun shigar da karar fatarar Babi na 7, ko fuskantar wani bala'i kwatsam, gano cutar kansa, ko rushewar kwatsam da rufewar kwalejin ku a tsakiyar zangon karatu, har yanzu dala dubunnan ɗalibin kuɗi na gigice. Tsawon shekaru, bayanin kula da lamunin lamuni na ɗalibi yana ƙunshe da ɓoyayyiyar "auto-default" (ipso facto) ƙayyadaddun ƙayyadaddun ƙayyadaddun bayanai *** wanda ya ba masu ba da lamuni damar ayyana ɗalibin aro a cikin fasahar fasaha kai tsaye lokacin da abokin haɗin gwiwar su mai daraja ya mutu ko ya bayyana fatarar kuɗi, ko da lokacin da ɗalibin ya biya kowane wata akan lokaci kuma har yanzu yana cikin azuzuwan. A lokaci guda, dubban masu ba da bashi waɗanda ke fama da rashin lafiya ta dindindin ko kwalejin su ta rufe ba tare da faɗakarwa ba suna shiga juriya na dogon lokaci ko karɓar lamuni mai fa'ida mai yawa, ba tare da saninsu ba suna batar da haƙƙinsu na soke lamunin tarayya na 100 bisa 100 a ƙarƙashin dokar Higher Education Act.20 U.S.C. Section 1087).

Dokar tarayya yanzu tana ba da garkuwa mai ƙarfi na doka ga duk bala'in bashin ɗalibai huɗu na gaggawa. Karkashin ** Sashe na 601 na Ci gaban Tattalin Arziki, Taimakon Kaya, da Dokar Kariyar Abokan ciniki (Public Law 115-174, Gyaran Gaskiya a Dokar Bayar da Lamuni a 15 U.S.C. Section 1650(g), Majalisa ta dindindin ** ta haramta ba da lamunin ɗalibi masu zaman kansu ta atomatik akan mutuwar ko fatarar abokin haɗin gwiwa *** don lamuni ya samo asali ne bayan Nuwamba 2018 kuma ya ba da umarnin ** Ofishin Kariyar Kuɗi na Masu Amfani (CFPB ga 'yan sanda da ke ba da cin zarafi akan tsofaffin bayanan gado. Karkashin ** Lambobin Harajin Cikin Gida Sashe na 108 (f)(5), Majalisa kuma ta kawar da kudin shiga na tarayya "bam-bam" akan lamunin ɗalibai da aka sallama saboda ** mutuwa ko jimla da naƙasa na dindindin (TPD*, ma'ana ba mai karɓar bashi mai naƙasasshe ko iyayen ɗalibin da suka rasu suna baƙin ciki suna karɓar lissafin harajin IRS Form 1099-C akan ma'aunin gafartawa. Ko kuna ma'amala da mutuwar abokin haɗin gwiwa ko mai ba da bashi, rashin lafiya mai tsanani, ko rufewar kwaleji kwatsam, bi wannan ka'ida ta mataki-mataki don daskare tarin da kuma kira haƙƙoƙin fitar ku na doka.

(Don karatun tsakiyar semester mai aiki, Ci gaban Ilimi Mai gamsarwa (SAP) roko, da taimakon kudi na harabar gaggawa, duba Taimakon taimakon kuɗi na gaggawa (SAP), riƙe koyarwa, da korar gidaje. Don shiga koleji ko rikicin ladabtarwa, duba Barazana soke shigar jami'a: babban digiri ko bayyana horo, kuma kiyaye mu lambobin gaggawa mai amfani.)

Yi wannan yanzu¶

1. ** Gano ko kowane rance Lamuni ne na Title IV (Federal Title IV Loan)Direct Subsidized/Unsubsidized, Parent PLUS, Grad PLUS) ko Lamunin Dalibai Masu zaman kansu (Sallie Mae, SoFi, College Ave, Discover, Citizens, Earnest.** Shiga zuwaStudentAid.gov tare da FSA ID na mai bashi a yanzu: kowane lamuni da aka jera akan StudentAid.gov dashboard shine ** Lamunin Dalibai na Tarayya** wanda ke gudana ta hanyar fitar da Dokar Ilimi mafi girma ta doka. Duk wani lamunin ɗalibin da ya bayyana akan rahoton ku na Equifax, Experian, ko TransUnion rahoton kuɗi* (AnnualCreditReport.com) amma ** BA *** ya bayyana StudentAid.gov * lamunin ɗalibi ne mai zaman kansa** wanda Gaskiyar Dokar Ba da Lamuni ke gudanarwa (TILA) da takardar shedar ku.
2. Idan Mai Sa hannu na Lamuni na ɗalibi mai zaman kansa ya mutu ko ya shigar da karar don fatarar kudi: KADA KA yarda da sake sake kuɗaɗen kuɗaɗe ko biyan ƙarin jimlar jimla, da kira. 15 U.S.C. Section 1650(g) a rubuce. Idan ma'aikaci mai zaman kansa ya aiko da sanarwar cewa lamunin ku yana cikin "tsohuwar fasaha" ko kuma ya buƙaci mai maye gurbinsa saboda abokin haɗin ku ya mutu ko kuma ya shigar da babi na 7/13 fatarar kuɗi, aika da takaddun takaddama da ke nuna ** Sashe na 601 na Ci gaban Tattalin Arziki, Taimakon Gudanarwa, da Dokar Kariya ta Abokan ciniki (15 U.S.C. Section 1650(g)(1)**, wanda ya sa ya zama doka ga mai ba da lamuni na ilimi mai zaman kansa ya bayyana gazawar ko haɓaka bashi kawai saboda mutuwa ko fatarar abokin haɗin gwiwa, kuma ya shigar da ƙara kai tsaye tare da CFPB (consumerfinance.gov/complaint).
3. Idan Mai karɓar aro ɗalibin ya mutu (ko kuma idan mai karɓar aro na Iyaye ya mutu akan Lamunin Iyaye na Tarayya PLUS): ƙaddamar da takaddun shaida na Takaddar Mutuwa don haifar da zubar da Mutuwa ta 100%34 CFR 685.212(a)).
4. ** Lamuni na Tarayya (ciki har da Lamunin Iyaye PLUS): Karkashin 20 U.S.C. Section 1087(a)(1)kuma34 CFR 685.212(a)**, 100% na lamunin ɗalibi na tarayya ana fitarwa ne na dindindin bayan mutuwar ɗalibin aro. Har ma mafi mahimmanci, lamuni na iyaye na tarayya PLUS ana fitar da kashi 100% idan ko dai mai karɓar aro ya mutu KO ɗalibin wanda iyayensa suka karɓi lamunin ya mutu ***, ba tare da lamunin harajin shiga na tarayya ba.
5. ** Lamuni na Keɓaɓɓe ***: Karkashin 15 U.S.C. Section 1650(g)(2), masu ba da lamuni na ɗalibi masu zaman kansu dole ne nan da nan ** su saki mai sa hannu daga duk abin alhaki *** idan mai ɗaukar ɗalibi na farko ya mutu (kuma galibin manyan masu ba da lamuni masu zaman kansu kuma suna ba da izinin mutuwa mai tausayi idan ɗalibin ya mutu akan lamunin gado).
6. Idan mai karɓar bashi ya sha wahala mai tsanani ta jiki ko ta hankali: nemi nan da nan don Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙasa da Dindindin (Federal Total and Permanent Disability).TPD) Fitarwa a DisabilityDischarge.gov (Nelnet / StudentAid.gov. Karkashin sabunta dokokin Ma'aikatar Ilimi ta Amurka (34 CFR 685.213), kun cancanci ** soke 100% na duk lamunin ɗaliban tarayya da tallafin KOYARWA** (ba tare da tsohuwar tarkon sa ido kan samun kudin shiga na shekaru 3 ba) idan kun haɗu da ** DAYA *** na hanyoyi uku:
7. ** Hanyar VA ***: Ƙaddara daga Ma'aikatar Tsohon Sojoji ta Amurka game da nakasa mai haɗin sabis 100% ko Rashin aikin Mutum ɗaya;
8. Hanya SSA: Karɓi Inshorar Nakasa ta Social Security (SSDI) ko Ƙarin Kudin Tsaro (SSI) ƙarƙashin faɗaɗa nau'ikan bita na likita, ba da izinin jin kai, ko shekaru 5+ na fa'idodin nakasa;
9. **Hanyar Takaddar Takaddar Ƙwararrun Kiwon Lafiya *: Mai lasisi ** Likita (MD / DO), Ma'aikacin jinya (NP), Mataimakin Likita (PA), or Certified Psychologist signs the 2-page TPD medical certification confirming your physical or mental impairment prevents substantial gainful activity and has lasted (or is expected to last) at least 60 continuous months (5 years) or result in death.
10. Idan makarantar koleji ko makarantar kasuwancin ku ta rufe ba zato ba tsammani yayin da kuka yi rajista (ko a cikin kwanaki 180 bayan kun janye): KAR ku canza wurin kiredit ɗin ku har sai kun kimanta 100% "Rufe Makaranta" (34 CFR 685.214 Idan makarantar ku ta rufe kuma ba ku kammala ainihin wannan shirin ta hanyar koyarwa na yau da kullun ko canja wurin kuɗi ba, kuna da damar ** sokewa 100% kowane lamuni na tarayya kai tsaye da PLUS da aka aro don waccan makarantar, da cikakken kuɗin kuɗin kowace dala da kuka riga kuka biya**, da maido da rayuwar ku ** Canjin Canjin Pell Grant.LEU)**.
11. ** Dakatar da zare kudi ta atomatik (ACH) biyan kuɗi akan asusun lamuni da abin ya shafa nan da nan yayin da aikace-aikacen sallamar ku ke jira.** Lokacin da kuka ƙaddamar da Takaddar Mutuwa, aikace-aikacen Disability Discharge TPD, ko Rufe Makarantar Fitar da Makaranta zuwa ga ma'aikacin tarayya.MOHELA, Aidvantage, EdFinancial, Nelnet, ko CRI), Dokokin tarayya suna buƙatar ma'aikaci ya sanya lamuni a cikin ** Haƙuri na Gudanarwa na kwanaki 60 zuwa 120 na gaggawa **, yana dakatar da duk kiran cajin da tarawa.

Bishiyar yanke shawara: bambance-bambancen rikicin lamuni na ɗalibi (Mutuwa, fatarar kuɗi, tawaya, ko Rufe makaranta)¶

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    CheckType --> CrisisBranch{"Wanne cikin gaggawa 4 ya faru?"}

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Mataki na 1: Abokin haɗin gwiwar mutuwa ko fatarar kuɗi akan lamunin ɗalibi mai zaman kansa: dakatar da "Auto-Default" ba bisa ƙa'ida ba.¶

Kimanin kashi 90 na lamunin dalibi na karatun digiri na farko *** na buƙatar babban abokin haɗin gwiwa mai daraja (yawanci iyaye, kakanni, ko ɗan'uwa babba). Kafin 2018, daidaitattun kwangilolin lamuni na ɗalibi masu zaman kansu sun ƙunshi ** rashi da haɓakawar mutuwa **: idan mai haɗin gwiwa ya mutu ko ya gabatar da kansa don fatarar mutum, tsarin kwamfutar bankin ta atomatik ya ba da lamuni kamar yadda yake a cikin * bata nan da nan ***, koda kuwa ɗan shekara 21 da haihuwa aro ɗalibi bai taɓa samun biyan kuɗi ba. Bayan haka mai ba da lamuni zai buƙaci madaidaicin $30,000 zuwa $100,000 gabaɗaya a cikin kwanaki 30, ya lalata ƙimar ƙimar ɗalibin, kuma ya yi barazanar ƙarar tattarawa.

Yadda Dokar Tarayya (15 U.S.C. Section 1650(g)) Kare Ka Yau¶

A cikin Mayu 2018, Majalisa ta kafa ** Sashe na 601 na Ci gaban Tattalin Arziƙi, Taimakon Kaya, da Dokar Kariyar Abokan ciniki (Public Law 115-174***, wanda ya yi gyara ga Gaskiya a Dokar Bayar da Lamuni (TILA, 15 U.S.C. Sashi na 1650(g)) mai tasiri ga Nuwamba 20, 2018:

1. ** Cikakkun Hani kan Mutuwar Mai Sa hannu ko Farar Kai-Tsohon15 U.S.C. 1650(g)(1)***:
2. "Mai ba da lamuni na ilimi mai zaman kansa ba zai iya bayyana gazawar ko haɓaka bashin lamunin ilimi mai zaman kansa ba bisa la'akari da fatara ko mutuwar mai ɗaukar kaya."
3. Idan iyayenku ko kakanku abokin haɗin gwiwa ya mutu ko fayil don Babi na 7 ko Babi na 13 na fatarar kuɗi, mai ba da bashi ** ba zai iya *** ya buƙaci cikakken biya ba, ** ba zai iya ba** bayar da rahoton lamunin ku kamar yadda aka kasafta ga Equifax/Experian/TransUnion, Lamunin ku yana ci gaba akan jadawalin biyan kuɗi na wata-wata tare da ku a matsayin wanda ya rage saura aro.
4. **An Raba Lamunin Legacy KAFIN 20 ga Nuwamba, 2018 ***:
5. Ko da don lamunin gado na kafin 2018, ** Ofishin Kariyar Kuɗi na Mabukaci (CFPB** kuma Babban Lauyan Jiha sun ba da umarnin gargadi masu hidima (Navient / MOHELA, Sallie Mae, Firstmark, AES, Launch Servicing) cewa kiran ɓoyayyiyar ɓoyayyiyar ɓoyayyiyar ɓoyayyiyar ɓoyayyiyar ɓarna a kan masu ba da bashi na yanzu ta ƙunshi ** Dokar rashin adalci, yaudara, ko zagi ko ayyuka (UDAAP*** karkashin 12 U.S.C. Section 5531, kuma kusan dukkan manyan masu ba da lamuni masu zaman kansu sun yi watsi da aiwatar da tsohowar atomatik a cikin ma'ajin aikinsu na gado.
6. ** Sakin Abokin Sa hannu na Tilas idan Babban ɗalibi mai aro ya Mutu (15 U.S.C. 1650(g)(2)***:
7. Idan bala'in shine mutuwar ɗalibin aro, dokar tarayya (15 U.S.C. Section 1650(g)(2)) ya wajabta cewa **"Mai riƙe da lamunin ilimi mai zaman kansa zai saki a cikin ƙayyadaddun lokaci duk wani mai ɗaukar kaya daga wajibcin mai ɗaukar lamuni a ƙarƙashin lamunin."

Teburin Kwatanta: Abin da ke Faruwa ga Kowane Nau'in Lamunin Dalibi Bayan Mutuwa, Farar Fasa, ko Nakasa¶

Mataki na 2: Neman Jimlar Tarayya da naƙasa na dindindin (TPD) Fitarwa¶

Idan kai (ko iyaye da ke riƙe da lamuni na Iyaye PLUS) sun haɓaka rashin lafiya mai tsanani, rauni mai rauni, yanayin jijiyoyi, ko naƙasa yanayin tabin hankali wanda ke hana aikin cikakken lokaci, nemi ** Jimlar naƙasa na dindindin (TPD) zubar (34 CFR 685.213***, wanda ke sharewa ** kashi 100 na Lamunin Kai tsaye na Tarayya, Lamunin FFEL, Lamunin Perkins, da wajibcin sabis na bayarwa na KOYARWA.

4 Pro-Borrower Gyarawa a Tasiri (34 CFR 685.213)¶

A cikin 2023-2026, Ma'aikatar Ilimi ta Amurka ta sabunta ka'idojin fitarwa na TPD na tarayya don cire tarkon tsarin mulki wanda a baya ya tayar da masu karbar bashi:

1. ** Fadada Wanda Zai Iya Sa Hannun Takardun Takaddar Lafiyar Ku**:
2. Yanzu mai lasisi Likita zai iya sanya hannu a kan fom ɗin cirewar TPD ɗin ku.MD ko DOMa'aikacin jinya (Nurse Practitioner)NP, a Mataimakin Likita (PA, KO Certified Psychologist a matakin masters ko na doctoral.
3. **Kawar da Ficewar Shekaru 3 "Sabbin Kuɗi" Tarkon Takarda ***:
4. Tsohuwar shekaru 3 da ake bukata na lura da samun kudin shiga ** an share gaba daya **. Za a dawo da lamunin ku ** kawai idan kun karɓi sabon lamunin ɗaliban tarayya ko tallafin KOYARWA cikin shekaru 3 na sallama.
5. 4 Tsaron Jama'a ta atomatik (SSA) Rukunin cancanta:
6. Baya ga daidaita bayanai ta atomatik don masu karbar bashi waɗanda nakasar Tsaron Jama'a (SSDI ko SSI) sanarwa saita a Medical Improvement Not Expected (MINE) bita na shekaru 5 zuwa 7, kun cancanci ta takaddun SSA idan: (a) bita na gaba yana a ** shekaru 3** kuma kun karɓi SSDI/SSI na aƙalla shekaru 5, (b) kun cancanci ƙarƙashin Allawan Tausayin Tsaron Jama'a, ko © kwanan wata nakasawar ku ta kasance ** akalla shekaru 5 da suka gabata.
7. ** Harajin Kudin shiga na Tarayya SifiliIRC Section 108(f)(5)***:
8. Karkashin 26 U.S.C. Section 108(f)(5), lamunin dalibai (duka ** tarayya DA masu zaman kansu**) da aka sallama saboda mutuwa ko jimla da tawaya ta dindindin an cire su daga yawan kudin shiga don harajin tarayya**.

Umurnin Mataki-mataki don Fayil Fitar TPD ɗinku A Yau¶

1. ** Zazzage Fakitin Aikace-aikacen TPD na hukuma a StudentAid.gov/tpd (ko DisabilityDischarge.gov***:
2. Kira layin Ma'aikatar Ilimi ta Amurka TPD Servicer a 1-888-303-7818 ko fara aikace-aikacen akan layi a StudentAid.gov. Sanar da su yana sanya ** Haƙurin Gudanarwa na kwanaki 120* akan duk lamunin ku na tarayya nan da nan.
3. Abin Ku MD / DO / NP / PA / Psychologist Dole ne a cika a sashi na 4:
4. Dole ne likitan ku: (a) duba cewa nakasar jikinku ko tabin hankali yana hana "aiki mai fa'ida", (b) duba cewa nakasa ** ya dade (ko ana sa ran zai dawwama) aƙalla watanni 60 masu ci gaba (shekaru 5) ko haifar da mutuwa**, da © rubuta jimloli 2 zuwa 3 yana bayyana ƙayyadaddun ayyukanku, tsayawa tsayin daka. aiki.
5. ** A lokaci guda ƙaddamar da "Aikace-aikacen TPD Mai Tausayi Lamuni na ɗalibi"**:
6. Idan kuna riƙe lamuni masu zaman kansu tare da ** Sallie Mae, SoFi, Discover, College Ave, Bankin Jama'a, ko Earnest**, nemi su ** Jimlar Lamuni mai zaman kansa da Form ɗin Discharge Disability na Dindindin ** kuma haɗa takardar shaidar likitan ku ko wasiƙar lambar yabo ta SSA.

Mataki na 3: Rufe koleji kwatsam: da'awar 100% "Rufe Makaranta" (34 CFR 685.214)¶

Lokacin da wata koleji mai zaman kanta da ke fama da matsalar kuɗi, cibiyar fasaha, shirin jinya, ko makarantar kasuwanci ba zato ba tsammani ta ba da sanarwar cewa tana rasa izini kuma tana rufe ƙofofinta na dindindin, kwalejojin makwabta galibi suna kafa “bikin baje kolin” da safe suna kira ga ɗalibai su canja wurin nan da nan. Dakatar da gudanar da lambobin kuɗi kafin sanya hannu kan kowace yarjejeniyar canja wuri.

Yadda Fitar Makaranta Ta Tarayya Ta Rufe (34 CFR 685.214) Aiki¶

Karkashin 20 U.S.C. Section 1087(c)kuma34 CFR 685.214, kuna da damar sakin 100 bisa 100 na duk Lamunin Tallafin Tallafin Kai tsaye na Tarayya, Lamunin Ba da Lamuni kai tsaye, Lamunin PLUS kai tsaye (Grad PLUS da Parent PLUS), da Lamunin Perkins ** aro don halartar waccan makarantar, tare da ** cikakken dawo da duk lamunin lamunin da kuka riga kuka yi da ** dawo da cancantar rayuwar ku.LEU***, idan kun cika sharudda guda uku:

1. An Shiga Lokacin Da Makaranta Ta Rufe, KO Kun Janye Cikin Kwanaki 180 Kafin Rufewa:
2. Ko da kun ga alamun gargaɗi kuma kun fita ** har zuwa kwanakin kalanda 180 kafin ranar rufewar hukuma** (ko kuma idan Ma'aikatar Ilimi ta tsawaita), kun cancanci.
3. Baka Kammala Shirin A Rufe Makaranta ba:
4. Idan kun kasance 1 semester gajeriyar kammala karatun lokacin da kofofin suka kulle, kun cancanci soke lamuni 100% na duk lokacin da kuka halarci wurin.
5. ** Muhimman Dokokin "Koyarwa / Canja wurin Kiredit" a ƙarƙashin 34 CFR 685.214**:
6. Za ku cancanci samun kyautar 100% Rufe Makaranta sai dai idan kun kammala shirin ta hanyar ** Yarjejeniyar Koyarwa ta makaranta** ko kammala kwatankwacin shirin a wata cibiyar ** ta hanyar canja wurin kiredit da aka samu a makarantar da aka rufe**.
7. ** Lissafin Dabarun ***: Idan kun karɓi $ 40,000 a cikin lamunin tarayya *** a kwalejin da ke rufe kuma wata jami'a da ke kusa ta ba da damar karɓar **9 na ƙimar ku 45 , canja wurin waɗannan ƙididdigewa 9 cikin shirin kwatankwacin na iya ** rasa haƙƙin ku na soke bashin \(40,000 ***. Ƙin canja wurin kiredit, da'awar **100% Rufe Fitar Makaranta (\) 40,000 an goge zuwa $0), da yin rajista sabo yana adana $40,000 tare da riba.
8. Mayar da Kuɗin Kuɗi daga Cikin Aljihu ta hanyar "Asusun Maido da Karatun Dalibi na JihankuSTRF)":
9. Sama da jihohin Amurka 30 (ciki har da Asusun dawo da Karatun Karatu na BPPE na California / STRF**, New York's **Asusun Maida Kudaden Karatu *, Texas, Florida, Illinois, da Ontario's TCAF) kula da kudaden amana na jiha ko lamunin lamuni waɗanda ke biyan ɗalibai a cikin tsabar kuɗi don karatun waje da lamunin ɗalibai masu zaman kansu lokacin da makaranta mai lasisi ta rufe. Yi da'awar tare da Hukumar Ba da lasisin Babban Ilimi ta Jiha (SHEEO) nan take.

Mataki na 4: Wasiƙar jayayya ta Verbatim don dakatar da tsohowar lamuni mai zaman kansa¶

** Aika ta Tabbataccen Wasiku (An Bukaci Rasiti Komawa) & Loda zuwa Portal Servicer*
Zuwa: [Private Student Loan Servicer Name], Attn: Sabis na Musamman / Rigimar Kiredit & Haɓaka Gudanarwa
Sake: Lambar Account [Loan #]: Hani na Doka akan Mutuwar Abokin Ciniki/Tsahon Bayar da Bashi & Haɗawa bisa 15 U.S.C. Sashi na 1650(g)

"Dear Loan Servicer: Ni ne ɗalibi na firamare aro akan Asusun Lamuni na Ilimi mai zaman kansa #[Lambar]. Ina rubutawa game da kwanan nan [mutuwa / Babi na 7 ko 13 na fatarar kuɗi] na abokin haɗin gwiwa na, [Co-Signer Full Name], a ranar [Kwanan]. Da fatan za a karɓi sanarwa ta hukuma cewa bisa ga ** Sashe na 601 na Dokar Tattalin Arziki, Dokar Tattalin Arziki (Dokar Jama'a 115-174), wanda aka tsara a cikin Gaskiya a cikin Dokar Ba da Lamuni a Sashe na 15 U.S.C hanzarin bashi, gyaran kuɗin ruwa, ko bayar da rahoton cin mutuncin bayanan ƙima akan kawai dalilin mutuwar ko fatarar abokin haɗin gwiwa. kuma ba za a aika da wani mummunan rahoton bashi ga Equifax, Experian, ko TransUnion."

Lambobin gaggawa na yanki da ka'idojin hukumar¶

Tambayoyin da ake yawan yi¶

Idan yaro na ya mutu kuma na karɓi Lamunin Iyaye na Tarayya PLUS da sunana don biyan kuɗin kwalejin su, shin har yanzu sai na biya lamunin Iyaye PLUS?¶

A'a Karkashin Sashe na 437(a) na Dokar Ilimi Mai Girma (20 U.S.C. Sashe na 1087(a)(1)) da 34 CFR 685.212(a)(2), Lamunin Iyaye na Tarayya PLUS ana fitar da kashi 100 idan ko ko dai mai karbar bashi ya mutu ko kuma dalibin da ya aro a madadin wanda ya aro. Duk abin da kuke buƙatar ku yi shi ne ƙaddamar da kwafin ƙwaƙƙwal ko ingantaccen sikanin Takaddar Mutuwa ga ma'aikacin ku na tarayya. Bugu da kari, a karkashin Sashe na Harajin Harajin Cikin Gida Sashe na 108(f)(5), Ma'aunin Iyaye PLUS da aka fitar ya keɓe kashi 100 daga harajin shiga na tarayya, don haka ba za ku karɓi lissafin harajin IRS na bashin da aka soke ba.

Idan iyayena sun haɗa hannu da lamunin ɗalibi na masu zaman kansu kuma ina so in cire su yayin da suke cikin koshin lafiya: ta yaya "Sakin Ƙwararrun Abokin Sa hannu" ke aiki?¶

Yawancin bayanan lamunin lamuni na ɗalibi masu zaman kansu sun haɗa da zaɓin Sakin Co-Signer na kwangila bayan ɗalibin aro ya kammala karatunsa kuma ya yi 12 zuwa 48 a jere, biyan kuɗi na shugabanni-da-ban sha'awa na kowane wata kuma ya wuce kimar kiredit da bashi-zuwa-shigo rajista rajistan shiga. Koyaya, masu ba da lamuni masu zaman kansu akai-akai suna ɓata cancantar sakin mai sa hannu ta hanyar amfani da ƙarin biyan kuɗi kamar “an biya gaba” maimakon ƙidaya zuwa kan lissafin wata-wata a jere, ko kuma ta ƙin sakin idan kun yi amfani da ko da wata 1 na haƙuri. Koyaushe ƙaddamar da buƙatun rubutu na yau da kullun da ke koya wa ma'aikaci yadda ake ƙirga biyan kuɗi zuwa Sakin Abokin Sa hannu.

Idan na karɓi Jimlar Naƙasa ta Dindindin (TPD) don lamunin ɗaliban tarayya na, shin an hana ni sake yin aikin ɗan lokaci?¶

A'a. Lokacin da Ma'aikatar Ilimi ta Amurka ta sabunta 34 CFR 685.213 a cikin Yuli 2023, ta soke tsohuwar dokar sa ido kan samun kudin shiga na shekaru 3 bayan fitar da kaya wanda ya yi amfani da shi don soke sallamar TPD idan mai ba da bashi nakasassu ya samu sama da layin talauci ko ya kasa aika wasiku a cikin fom ɗin samun kuɗi na shekara. A yau, da zarar an amince da fitar da TPD ɗin ku, ana soke lamunin ku na dindindin kuma za a dawo da ku kawai idan kun nemi da son rai kuma ku karɓi sabon Lamunin Lamunin Studentan Dalibai na Gwamnatin Tarayya ko Tallafin KOYARWA a cikin shekaru 3 na ranar fitarwa.

Shin za a iya samun lamuni na ɗalibi a Babi na 7 ko Babi na 13 na fatarar mutum idan ban kasance naƙasasshe ba?¶

Ee, kuma ya zama mai sauƙi mai sauƙi tun daga Nuwamba 2022. Yayin da Sashe na 523 (a) (8) na Dokar Kuɗi na Amurka yana buƙatar tabbatar da "wahala mara kyau" a cikin wani maƙiyi don ƙaddamar da lamunin ɗalibai na tarayya ko ƙwararrun ƙwararrun ɗalibai, Ma'aikatar Shari'a ta Amurka (DOJ) da Ma'aikatar Ilimi ta Amurka yanzu suna amfani da ma'auni na 15 na Babban Bankin Kuɗin Kuɗi don Ƙirar Kuɗi. kuɗaɗen da ake kashewa a kan ma'auni na ƙasa na IRS, ƙyale lauyoyin DOJ su ba da izini ga cikakken ko ɓangaren ɓarna a cikin shari'o'in da suka cancanta ba tare da ƙara mai tsada ba. Bugu da kari, lamuni masu zaman kansu da suka wuce ƙwararrun Kudin Halartar makarantar ko kuma aka yi amfani da su don bootcamps marasa taken-IV ko binciken mashaya ba su da kariya ta 11 U.S.C. 523 (a) (8) kuma za'a iya fitar dashi a daidaitaccen shari'ar Babi na 7.

Kwalejin na ba ta rufe gaba daya ba, amma ta yi min karya game da ƙimar wurin aiki, ƙimar izinin ba da izini, ko amincewa. Zan iya soke lamuni na?¶

Ee. Idan makarantar koleji, jami'a, ko makarantar kasuwanci ta tsunduma cikin ɓarna mai mahimmanci, keta kwangila, ko ɗaukar ma'aikata na yaudara game da ƙimar kammala karatun ta, ƙididdigar wurin aiki, sakamakon albashi, canja wurin kuɗi, ko cancantar lasisi na ƙwararru, zaku iya shigar da aikace-aikacen don Mai ba da Lamuni don Biya (34 CFR 685.401) at Sfentudent. Shigar da aikace-aikacen Tsaro na Borrower yana sanya lamunin ku na tarayya cikin juriya na gudanarwa na gaggawa yayin da Ma'aikatar Ilimi ke bincike da yanke hukunci soke lamuni 100%.

Jagora masu alaƙa¶

• Taimakon taimakon kuɗi na gaggawa (SAP), riƙe koyarwa, da korar gidaje
• Barazana soke shigar jami'a: babban digiri ko bayyana horo
• Nazarin gaggawa na ƙasashen waje: inshorar ƙaura na jami'a 24/7, taimakon ofishin jakadanci, da bambancin iyaye
• Nakasa da buƙatun likita a cikin gaggawa
• Lambobin gaggawa da aika aika ƙasashen waje

Tushen da jagorar hukuma¶

• **U.S. Congress & Consumer Financial Protection Bureau (CFPB) **: * Ci gaban Tattalin Arziki, Taimakon Kaya, da Dokar Kariya, Sashe na 601 (Dokar Jama'a 115-174, Gyara Gaskiya a Dokar Bayar da Lamuni a 15 U.S.C. Sashe na 1650(g): Haramcin Ilimi akan Bankin Lantarki ko Lalacewar Ilimi. na Mai Ba da Lamuni da Sakin Wajibi na Cosigner Bayan Mutuwar Ɗan Aron ɗalibi).
• U.S. Sashen Ilimi, Ofishin Tallafin Daliban Tarayya (StudentAid.gov: * William D. Ford Dokokin Fitar da Lamuni na Tarayya kai tsaye: 34 Sashe na CFR 685.212 (Fitar da Mutuwa, Ciki da Lamunin Iyaye PLUS), 34 CFR Sashe 685.213 (Dokokin Wayar da Nakasa ta Dindindin), 34 CFR. Sashe na 685.401 (Kare Bashi don Biyan Kuɗi).
• ** Sabis na Harajin Cikin Gida (IRS) & Ma'aikatar Baitulmali ta Amurka**: Lambar Harajin Cikin Gida 26 U.S.C. Sashe na 108 (f) (5) (Keɓanta daga Babban Kuɗin Kuɗi na Lamunin Lamuni na Tarayya da na ɗalibi masu zaman kansu da aka yi wa Lamuni akan Sakamakon Mutuwa ko Gabaɗaya da naƙasa na dindindin).
• U.S. Ma'aikatar Shari'a (DOJ) & Ma'aikatar Ilimi ta Amurka*: Jagorar Lauyoyin Sashen Game da Shari'ar Fatarar Lamuni na ɗalibi (Sashe na 11 na U.S.C. 523(a)(8) Daidaitaccen Tsarin Shaida Wahalhalun da Ba Ya Yawaita).
• ** Kamfanin Lamuni na Dalibai na Burtaniya (SLC), Ayyukan Aiki da Ci gaban Jama'a Kanada (Shirin CSFA), & Sashen Ilimi na Australiya (Sabis na Kariyar Karatu / TPS) **: * Soke Lamunin Lamunin Dalibi na Dokokin Bayan Mutuwa ko Naƙasa na Dindindin da Dokokin Kariya na Mai Ba da Lamuni.