Ukufa koMfundi weMali-mboleko yoMfundi wabucala okanye ukutshona, ukukhutshwa koKhubazeko, kunye noNcedo lweSikolo esivaliweyo¶

Ukuvula ileta evela kumntu osebenzela umfundi wabucala efuna intlawulo ekhawulezileyo, egcweleyo yemali mboleko yemfundo eyi-$45,000 kwiiveki nje ezimbalwa emva kokuba umzali wakho okanye utatomkhulu wakho osayinileyo eswelekile okanye wafaka isicelo sokubhanga seSahluko sesi-7, okanye ujongene nokwenzakala ngequbuliso, ukuxilongwa ngumhlaza, okanye ukuwa ngequbuliso kunye nokuvalwa kwetyala lakho lekholeji kwisiqingatha sesiqingatha seshumi seedola. ukothuka kwemali. Kangangeminyaka, amanqaku emboleko yomfundi wabucala aqulathe efihliweyo "okuzenzekelayo okuzenzekelayo" (ipso facto) amagatya okhawuleziso avumela ababolekisi-mali ukuba babhengeze umfundi obolekwayo ngokusilela kwangoko xa lowo wayetyikitye ityala lakhe wasweleka okanye wabhengezwa njengobhangile, naxa umfundi eyenze intlawulo yenyanga nganye ngexesha kwaye ebesabhaliswa eziklasini. Kwangaxeshanye, amawaka ababoleki abanengxaki yokugula ngokusisigxina okanye ikholeji yabo ivale ngaphandle kwesilumkiso ngempazamo bangene kunyamezelo lwexesha elide okanye bathathe imali-mboleko enenzala ephezulu, bephulukana nelungelo labo elisemthethweni lokurhoxiswa kwe-100 yepesenti yemali mboleko ** phantsi koMthetho weMfundo ePhakamileyo 20 U.S.C. Section 1087).

Umthetho we-Federal ngoku ubonelela ngamakhaka asemthethweni anamandla kuzo zonke iimeko ezine ezingxamisekileyo zamatyala omfundi. Phantsi iCandelo lama-601 loHlumo loQoqosho, ukuNceda okuLawulwayo, kunye noMthetho woKhuseleko lwaBathengi (Public Law 115-174, ulungisa uMthetho weNyaniso kuMthetho wokuBoleka kwi 15 U.S.C. Section 1650(g)), INkongolo ngokusisigxina ibe ingekho mthethweni imali-mboleko yomfundi yabucala-ehlala ihleli ekuswelekeni okanye ngokutshona komntu otyikityayo yeemali-mboleko ezaqalwa emva koNovemba ka-2018 kwaye yayalela i-Consumer Financial Protection Bureau (CFPB) kumapolisa asebenzisa ukuxhatshazwa kumanqaku amadala elifa. Phantsi IKhowudi yeNgeniso yaNgaphakathi yeCandelo 108(f)(5), iNkongolo nayo yacima ingeniso yomanyano "ibhombu yerhafu" kwimali-mboleko yomfundi ekhutshwe ngenxa yokufa okanye iyonke kunye nokukhubazeka okusisigxina (TPD), okuthetha ukuba akukho mboleki okhubazekileyo okanye abazali bomfundi oswelekileyo abasentlungwini abafumana i-IRS Form 1099-C bill yerhafu kwiibhalansi ezixolelweyo. Nokuba ujongene nokusweleka komntu otyikitya kunye okanye umboleki, ukhubazeko oluqatha, okanye ukuvalwa kwekholeji ngequbuliso, landela le ndlela yomgaqo-nkqubo yokumisa ingqokelela kwaye ucele amalungelo akho asemthethweni okukhutshwa.

(Isifundo esisebenzayo sesiqingatha sesemester sibambe, iNkqubela phambili yeMfundo eYanelisayo (SAP) izibheno, kunye noncedo lwemali lwekhampasi olungxamisekileyo, bona Isibheno soncedo lwemali olungxamisekileyo (SAP), ukubamba izifundo, kunye nokukhutshwa kwezindlu kwikhampasi. Ukwamkelwa kweekholeji okanye iingxaki zoluleko, bona Isoyikiso sokurhoxiswa kokwamkelwa kwabafundi ekholejini: ukuhla kumabanga aphezulu okanye ukubhengezwa koluleko, kwaye ugcine wethu amanani kaxakeka isixhobo esiluncedo.)

Yenza oku ngoku¶

1. Chonga ukuba imali-mboleko nganye yiMali-mboleko yeSitayitela se-IV (Direct Subsidized/Unsubsidized, Parent PLUS, Grad PLUS) okanye iMali-mboleko yoMfundi waBucala (Sallie Mae, SoFi, College Ave, Discover, Citizens, Earnest). Ngena ku StudentAid.gov nge-ID ye-FSA yomboleki ngoku: yonke imali-mboleko edweliswe kwi StudentAid.gov Ideshibhodi yi Mali-mboleko yoMfundi elawulwa ngokusemthethweni ngokukhutshwa koMthetho weMfundo ePhakamileyo. Nayiphi na imali-mboleko yomfundi evela kwi-Equifax, Experian, okanye ingxelo yetyala leTransUnion* (AnnualCreditReport.com) kodwa ingaba HAYI ivela kwi StudentAid.gov yi Mali-mboleko yoMfundi waBucala elawulwa yiNyaniso kuMthetho wokuBoleka (TILA) kunye nenqaku lakho lesithembiso.
2. Ukuba uMsayini weMali-mboleko yoMfundi waBucala uswelekile okanye wafaka isicelo sokubhanga: UNGAZE uvume ukuphinda uhlawule okanye uhlawule isixa-mali esikhawulezayo, kwaye ucele 15 U.S.C. Section 1650(g) ngembalelwano. Ukuba umsebenzi wabucala uthumela isaziso esibanga imali-mboleko yakho "ikwi-technical default" okanye ufuna umntu oza kutyikitya endaweni yakhe ngenxa yokuba lowo utyikitye naye wasweleka okanye wafaka isicelo sokubhanga kweSahluko 7/13, thumela ileta eqinisekisiweyo yembambano echaza iCandelo lama-601 loHlumo loQoqosho, iRegulatory Relief, kunye noMthetho woKhuseleko lwabathengi (15 U.S.C. Section 1650(g)(1)), nto leyo eyenza kube semthethweni ngombolekisi wemfundo yabucala ukubhengeza ukungahlawuli okanye ukukhawulezisa ityala ngenxa yokusweleka okanye ukubhanga komntu otyikitya kunye naye, aze afake isikhalazo ngoko nangoko CFPB ()consumerfinance.gov/complaint).
3. Ukuba uMboleki woMfundi ubhubhile (okanye ukuba uMzali usweleke kwi-Federal Parent PLUS Loan): ngenisa ikopi eqinisekisiweyo yeSatifikethi sokuFa ukuze uqalise ukuKhutshwa koKufa okusemthethweni kwe-100% (34 CFR 685.212(a)).
4. Imali-mboleko ye-Federal (kubandakanywa iMali-mboleko yoMzali PLUS): Ngaphantsi 20 U.S.C. Section 1087(a)(1) kwaye 34 CFR 685.212(a), i-100% yemali mboleko yomfundi ye-federal ikhutshwa ngokusisigxina ekufeni komfundi obolekayo. Okona kubaluleke nangakumbi, i-Federal Parent PLUS Loan ikhutshwa nge-100% ukuba KUSEKHAYA umzali obolekwayo uyasweleka OKANYE umfundi osweleke egameni lakhe ngumzali, engenatyala lerhafu yengeniso yomanyano.
5. Imali-mboleko yabucala: Ngaphantsi 15 U.S.C. Section 1650(g)(2), abafundi ababolekisa ngemali babucala kufuneka ngokukhawuleza ** bamkhulule lowo utyikityayo kulo lonke ityala** ukuba umfundi obolekayo wasweleka (kwaye uninzi lwababolekisi babucala abakhulu nabo banikezela ngovelwano lokufa ukuba umfundi usweleke kwimali-mboleko yelifa).
6. Ukuba lowo ubolekayo ubandezeleke kakhulu ngokwasemzimbeni okanye ngokwasengqondweni: faka isicelo ngoko nangoko kwi-Federal Total and Permanent Disability (TPD) Ukukhutshwa kwi DisabilityDischarge.gov (Nelnet / StudentAid.gov). Phantsi kwemithetho ehlaziyiweyo yeSebe leMfundo laseMelika (34 CFR 685.213), ufanelekile ukuba u-100% ukurhoxiswa kwazo zonke iimali-mboleko zabafundi kunye ne-TEACH Grants* (ngaphandle kweminyaka emi-3 yokubeka iliso yengeniso emva kokukhupha) ukuba udibana nayiphi na eNYE yeendlela ezintathu:
7. ** Indlela ye-VA **: Ukumiselwa kweSebe leMicimbi ye-Veterans yase-US ye-100% yokukhubazeka okudityaniswa nenkonzo okanye Ukungaqeshwa komntu ngamnye;
8. Indlela ye-SSA: Ukufumana i-Inshurensi yoKhubazeko lweNtlalo (SSDI) okanye uMvuzo woKhuseleko oloNgezelelweyo (SSI) phantsi kweendidi ezandisiweyo zokuphononongwa kwezonyango, isibonelelo sovelwano, okanye iminyaka emi-5+ yeenzuzo zokukhubazeka;
9. INdlela yoQeqesho lobuGcisa kuNonophelo lwezeMpilo: UGqirha onelayisensi **MD / DO), iNurse Practitioner (NP), uMncedisi kaGqirha (PA), okanye i-Certified Psychologist ** isayine iphepha le-2 iphepha lesatifikethi sezokwelapha se-TPD esiqinisekisa ukukhubazeka kwakho ngokomzimba okanye kwengqondo kuthintela umsebenzi omkhulu wokuzuza kwaye uye wahlala (okanye kulindeleke ukuba ahlale) ubuncinane ** iinyanga ezi-60 eziqhubekayo (iminyaka emi-5) ** okanye kubangele ukufa.
10. Ukuba ikholeji yakho okanye isikolo sakho sorhwebo sivalwe ngequbuliso ngelixa ububhalisile (okanye kwiintsuku ezili-180 emva kokuba urhoxile): UNGAWAdluliseli iikhredithi zakho de ube uvavanya i-100% "yokuKhutshwa kweSikolo esivaliweyo" (34 CFR 685.214). Ukuba isikolo sakho siyavalwa kwaye awuyigqibi loo nkqubo ichanekileyo ngokufundisa ngokusesikweni okanye ukudluliselwa ngetyala, unelungelo **100% lokucinywa kwayo yonke imali mboleko ye-Federal Direct kunye ne-PLUS ebolekwe kweso sikolo, kunye nembuyekezo yemali eyimali yonke idola osele uyihlawule , kunye nokubuyiselwa kobomi bakho bonke ** Ukufaneleka kweSibonelelo sePell (LEU).
11. Misa i-auto-debit (ACH) iintlawulo kwi-akhawunti yemali-mboleko echaphazelekayo ngokukhawuleza ngelixa isicelo sakho sokukhutshwa sisalindile. Ngomzuzu ongenisa iSatifikethi sokuFa, isicelo sokuKhutshwa koKhubazeko lweTPD, okanye isicelo sokuKhutshwa kweSikolo esivaliweyo kumncedisi wakho woburhulumente (MOHELA, Aidvantage, EdFinancial, Nelnet, okanye CRI), imimiselo ye-federal ifuna ukuba umncedisi abeke imali-mboleko kwi- **i-60-to-120-day Administrative Forbearance ngokukhawuleza **, ukumisa zonke iifowuni zokuhlawula kunye nokuqokelela.

Umthi wesigqibo: Uvavanyo lwengxaki yemali-mboleko yabafundi (Ukufa, ukubhanga, ukukhubazeka, okanye ukuvalwa kwesikolo)¶

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Inqanaba loku-1: Ukufa komntu otyikitye kunye okanye ukutshona kwimali-mboleko yomfundi wabucala: ukumisa okungekho mthethweni "Okuzenzakalelayo okuMiselweyo"¶

Malunga nama-90 epesenti yemali-mboleko yabafundi abangekabinazidanga babucala ifuna umntu omdala ofanele ukusayina naye (odla ngokuba ngumzali, utatomkhulu, okanye umntakwenu omdala). Ngaphambi kowama-2018, iikontraki eziqhelekileyo zemboleko yomfundi wabucala zaziqulethe igatya lokungatshoni kunye nokukhawulezisa ukufa **: ukuba umntu osayineyo usweleke okanye wafaka isicelo sokubhanga, inkqubo yekhompyuter yebhanki ibonakalise ngokuzenzekelayo imali mboleko njengoko ku ukusilela kwangoko, nokuba umfundi oneminyaka engama-21 ubudala wayengazange aphoswe yintlawulo. Umbolekisi uya kuthi emva koko afune yonke ibhalansi ye-$ 30,000 ukuya kwi-100,000 ye-$ 100,000 ngokupheleleyo kwiintsuku ezingama-30, onakalise amanqaku omfundi wetyala, kwaye asongele amatyala okuqokelela.

Njani uMthetho weFederal (15 U.S.C. Section 1650(g)) Ikhusela Wena Namhlanje¶

NgoMeyi 2018, iNkongolo yenzelwa ** Icandelo 601 lokuKhula koQoqosho, iRegulatory Relief, kunye noMthetho woKhuseleko lwabathengi (Public Law 115-174)**, efake izilungiso kwi-Nyaniso kuMthetho wokuBoleka (TILA, 15 U.S.C. Icandelo 1650(g))* lisebenza ngoNovemba 20, 2018:

1. Ukuvalwa ngokupheleleyo kuMsayini-msayini wokufa okanye uKutshona ngokuzenzekelayo (15 U.S.C. 1650(g)(1)):
2. "Umboleki-mali wemfundo yabucala akanakuvakalisa ukusilela okanye akhawulezise ityala lemali mboleko yemfundo yabucala kuphela ngenxa yokungabinamali okanye ukusweleka komsayineli."
3. Ukuba umzali wakho okanye utatomkhulu nomakhulu osayinileyo uyasweleka okanye iifayili zeSahluko 7 okanye iSahluko 13 sokutshona, umbolekisi akakwazi ukufuna imbuyekezo epheleleyo, akakwazi ukuxela imali-mboleko yakho njengengagqibekanga kwi-Equifax/Experian/TransUnion, akakwazi ukunyusa izinga lakho lenzala, kwaye akakwazi ukukunyanzela ukuba ufumane omnye umntu oza kusayina naye. Imali-mboleko yakho iyaqhubeka kwishedyuli yayo yesiqhelo yentlawulo yenyanga kunye nawe njengokuphela komboleki oseleyo.
4. Imali-mboleko yeLifa esayinwe PHAMBI komhla we-20 kaNovemba 2018:
5. Nakwimali-mboleko yelifa yangaphambi kwe-2018, i-Consumer Financial Protection Bureau (CFPB) kunye namaGqwetha Jikelele karhulumente akhuphe imiyalelo elumkisa abasebenzi (Navient / MOHELA, Sallie Mae, Firstmark, AES, Launch Servicing) ebiza amagatya afihliweyo ahlala ehlala ehleli ngokubhekisele kubaboleki bangoku abandakanya Engenabulungisa, iNkohliso, okanye uMthetho oGwabileyo okanye uQeqesho (UDAAP) phantsi 12 U.S.C. Section 5531, kwaye phantse bonke ababolekisi babucala abakhulu bakuyekile ukunyanzeliswa okuzenzekelayo kuzo zonke iipotfoliyo zabo zelifa.
6. Ukukhutshwa koMsayini oMnyanzelo oSinyanzelo ukuba uMboleki oMfundi oyiPrayimari Uyasweleka (15 U.S.C. 1650(g)(2)):
7. Ukuba intlekele yi ukufa komfundi obolekayo , umthetho wesigqeba (15 U.S.C. Section 1650(g)(2)) igunyazisa ukuba "umnini wemali mboleko yemfundo yabucala uya kukhulula ngexesha elifanelekileyo nawuphi na umtyikityi kwiimbophelelo zomtyikityi ophantsi kwemboleko." Abazali okanye oomakhulu nootatomkhulu abatyikitye imali-mboleko yomfundi wabucala bakhululwa ngokusemthethweni ekuhlawuleni nepeni enye ukuba umfundi uyasweleka.

Itheyibhile yokuthelekisa: Kwenzeka ntoni kulo lonke uhlobo lweMali-mboleko yoMfundi ekuswelekeni, ukubhanga, okanye ukukhubazeka¶

Inqanaba lesi-2: Ukufaka isicelo seFederal Total kunye noKhubazeko olusisigxina (TPD) Ukukhutshwa¶

Ukuba wena (okanye umzali obambe i-Parent PLUS mboleko) uphuhla isigulo esibi ngokwasemzimbeni, ukwenzakala okubuhlungu, imeko yemithambo-luvo, okanye imeko yengqondo ekhubazayo ethintela umsebenzi osisigxina, faka isicelo soKhubazeko lulonke kunye noluSisigxina (*TPD) Ukukhutshwa (34 CFR 685.213)**, ecima 100 ipesenti yeeMali-mboleko eziNgqo kwi-Federal, iiMali-mboleko ze-FFEL, iiMali-mboleko ze-Perkins, kunye ne-TEACH izibophelelo zenkonzo yesiBonelelo.

Uhlaziyo olu-4 loMboleki olusebenzayo (34 CFR 685.213)¶

Ngo-2023-2026, iSebe lezeMfundo laseMelika lahlaziya imithetho yokukhutshwa kwe-TPD yomanyano ukuze kususwe imigibe ye-bureaucratic ethe ngaphambili yakhubekisa ababoleki abakhubazekileyo:

1. Ukwandiswa kokuba ngubani onokutyikitya iFomu yakho yeSiqinisekiso soNyango:
2. Ifomu yakho yokukhupha iTPD ngoku ingasayinwa nguGqirha onelayisensi MD okanye DO), a Nurse Practitioner (NP), i Gqirha uMncedisi (PA), OKANYE Isazi seNgqondo esiQinisekisiweyo kwinqanaba le-clinical master's okanye yobugqirha.
3. Ukupheliswa kweMinyaka emi-3 emva kokuKhutshwa "UkuJonga iNgeniso" iTrap yePhepha:
4. Imfuno yeminyaka emi-3 yokubeka iliso yengeniso ishenxisiwe ngokupheleleyo. Imali-mboleko yakho iya kubuyiselwa kuphela ukuba ngokuzithandela uthatha imali-mboleko yomfundi omtsha okanye FUNDISA iSibonelelo kwiminyaka emi-3 yokukhutshwa.
5. 4 Ukhuseleko lweNtlalo oluzenzekelayo (SSA) Iindidi zoMgangatho:
6. Ukongeza kwidatha-mataniso ezenzekelayo kubaboleki abanoKhubazeko loKhuseleko lweNtlalo (SSDI okanye SSI) iiseti zesaziso a Medical Improvement Not Expected (MINE) uphononongo lweminyaka emi-5 ukuya kwe-7, ufanelekile ngokusebenzisa amaxwebhu e-SSA ukuba: (a) uphononongo lwakho olulandelayo lukwi-3 iminyaka kwaye ufumene i-SSDI/SSI ye-ubuncinane iminyaka emi-5, (b) ufanelekile phantsi kwe-Isibonelelo senceba yoKhuseleko lweNtlalo, okanye © umhla wokukhubazeka kwakho wawu ubuncinane beminyaka emi-5 eyadlulayo.
7. Irhafu yeNgeniso yeZero (IRC Section 108(f)(5)):
8. Ngaphantsi 26 U.S.C. Section 108(f)(5), iimali-mboleko zabafundi (zombini i-federal KUNYE neyabucala) ekhutshwe ngenxa ye-ukufa okanye yoKhubazeko lulonke noluSisigxina ayibandakanywanga kwingeniso epheleleyo ngeenjongo zerhafu yomanyano.

Inyathelo ngeNyathelo Imiyalelo yokuFayila ukukhutshwa kweTPD yakho namhlanje¶

1. Khuphela iPakethi yeSicelo esisemthethweni seTPD apha StudentAid.gov/tpd (okanye DisabilityDischarge.gov):
2. Tsalela umnxeba kwiSebe lezeMfundo lase-U.S. umgca we-TPD Servicer kule 1-888-303-7818 okanye uqalise isicelo kwi-intanethi StudentAid.gov. Ukubazisa kubeka i-120-day Administrative Forbearance kuzo zonke iimali-mboleko zakho zomanyano ngoko nangoko.
3. Yintoni wena MD / DO / NP / PA / Psychologist Makugqitywe kwiCandelo lesi-4:
4. Ugqirha wakho kufuneka: (a) ajonge ukuba ukukhubazeka kwakho ngokomzimba okanye kwengqondo kuthintela "umsebenzi ozuzisa kakhulu", (b) ukhangele ukuba ukukhubazeka ** kuye kwahlala (okanye kulindeleke ukuba kuhlale) ubuncinane kwiinyanga ezingama-60 eziqhubekayo (iminyaka emi-5) okanye kubangele ukufa **, kwaye © ubhale izivakalisi ezi-2 ukuya kwezi-3 ezichaza imida yokusebenza, ***into efunekayo ekuhlaleni okanye ekuhlaleni, okanye kwimiba yentlalo. ukusebenza.
5. Ngexesha ngaxeshanye Ngenisa "iSicelo seTPD yeMali-mboleko yoMfundi waBucala":
6. Ukuba ubambe iimali mboleko zabucala kunye ** Sallie Mae, SoFi, Discover, College Ave, Citizens Bank, okanye Earnest **, cela **Imali-mboleko yabucala kunye neFom yokuKhubaza okuSisigxina ** kwaye uqhoboshele isatifikethi sakho esisayinwe ngugqirha okanye ileta yebhaso ye-SSA.

iSigaba 3: Ukuvalwa kwekholeji ngesiquphe: kubanga i-100% "Ukukhutshwa kweZikolo ezivaliweyo" (34 CFR 685.214)¶

Xa ikholeji yabucala ecinezelekileyo ngokwasezimalini, iziko lobugcisa, inkqubo yokonga, okanye isikolo sokurhweba ngequbuliso sazisa ukuba siphulukana noqinisekiso kwaye sivale iingcango zayo ngokusisigxina, iikholeji ezingabamelwane zihlala ziseka "imiboniso yokudlulisa" ngentsasa elandelayo ibongoza abafundi ukuba batshintshele kwangoko. Yima uqhube iinombolo zemali phambi kokuba utyikitye nasiphi na isivumelwano sodluliselo.

Sivalwe njani iSikolo siManyano (34 CFR 685.214) Iyasebenza¶

Ngaphantsi 20 U.S.C. Section 1087(c) kwaye 34 CFR 685.214, unelungelo lokufumana ipesenti ezili-100 zokukhutshwa kuzo zonke iiMali-mboleko zeFederal Direct Subsidized, Direct Unsubsidized Loans, Direct PLUS Loans (Grad PLUS kunye noParent PLUS), kunye nePerkins Loans ebolekwe ukuya kweso sikolo, kunye nembuyiselo epheleleyo yazo zonke iintlawulo zemali-mboleko osele uyenzile** kunye noBuyiselo bexesha lakho leSiboneleloLEU)**, ukuba uyahlangabezana nemilinganiselo emithathu:

1. Ubhalise xa kuvalwe iSikolo, OKANYE uye warhoxa kwisithuba seentsuku ezili-180 phambi kokuba sivalwe:
2. Nokuba ubone iimpawu ezilumkisayo waza waphuma ukuya kutsho kwiintsuku zekhalenda ezili-180 phambi komhla wokuvalwa osemthethweni (okanye ixesha elide ukuba landisiwe liSebe leMfundo), ufanelekile.
3. Awuzange uyigqibe iNkqubo kwiSikolo esivaliweyo:
4. Ukuba ubunesiqingatha sonyaka osi-1 wokuphumelela xa iingcango zitshixiwe, ukulungele ukucinywa kwe-100% yemali mboleko ngalo lonke ixesha ubuzimase apho.
5. UMgaqo oBalulekileyo othi "Teach-Out / Transfer Credit" Phantsi 34 CFR 685.214:
6. Uhlala ufanelekile ukufumana i-100% yokuKhutshwa kweZikolo ezivaliweyo ngaphandle kokuba ugqibezele inkqubo nge-SiVumelwano sokuFundisa ngokusesikweni esicwangciswe sisikolo okanye ugqibezele iprogram ethelekisekayo kwelinye iziko ngokudlulisela iikhredithi ozizuze kwisikolo esivaliweyo.
7. Ukubalwa koBuchule: Ukuba uboleke i-\(40,000 kwimali-mboleko yomanyano** kwikholeji esandula kuvala kwaye iyunivesiti ekufutshane inikezela ngokwamkela **9 yeekhredithi zakho ezingama-45**, ukudlulisela ezo khredithi zili-9 kwinkqubo enokuthelekiseka **kunokuphulukana nelungelo lakho lokurhoxisa i-\)40,000 yetyala. Ukwala ukudlulisela iikhredithi, ubanga i-*100% yakho yokuKhululwa kweSikolo esivaliweyo (i-\(40,000 yosulwa ukuya kwi-\)0)**, kunye nokubhalisa okutsha konga i-$40,000 kunye nenzala.
8. Ukubuyisela iSifundo seMali eNgaphandle kwePokotho ngeNgxowa-mali yoBuyiselo lweSifundo seSizwe sakho (STRF)":
9. Ngaphezulu kwe-30 yamazwe ase-US (kubandakanywa neCalifornia's BPPE Student Tuition Recovery Fund / STRF, New York's Iakhawunti yeMbuyiselo yezifundo, Texas, Florida, Illinois, kunye neOntario's TCAF) igcine iingxowa-mali ze-state trust okanye ii-guaranty bond ezibuyisela abafundi ngemali ezinkozo ngezifundo eziphuma epokothweni kunye nemali-mboleko yabafundi babucala xa isikolo esinephepha-mvume sivala. Faka ibango nge-Arhente yeLizwe yeeLayisenisi zeMfundo ePhakamileyo (SHEEO)* ngoko nangoko.

Inqanaba lesi-4: Ileta yempikiswano echanekileyo yokuyeka ukubolekwa kwemali-mboleko yabucala¶

** Thumela ngeMeyile eQinisekisiweyo (Buyisela isiFundo esiceliweyo) & ulayishe kwiPortal yeNkonzo
Ukuya:** [Private Student Loan Servicer Name], Attn: IiNkonzo eziKhethekileyo / iNgxwabangxwaba yeTyala & nokuNyuswa kweSigqeba
Re: Inombolo ye-akhawunti [Loan #]: ISalelo esiseMthethweni kuMsayino wokuFa/uBhanki oluMiselweyo kunye nokuKhawulezisa ngokulandela i-15 U.S.C. Icandelo 1650(g)

"Mboleki-mali othandekayo: Ndingumfundi obambeleyo kwiAkhawunti yeMali-mboleko yeMfundo yaBucala #[Number]. Ndibhala malunga [nokufa / iSahluko se-7 okanye se-13 sokungatshoni kwentlawulo] kwalowo ndityikitye naye, [Igama elipheleleyo le-Co-Signer], ngo-[Umhla]. (Umthetho woluntu 115-174), udweliswe kuMthetho oyiNyaniso kuMthetho wokuBoleka ngo-15 U.S.C. iCandelo 1650(g)(1), kunye neConsumer Financial Protection Bureau (CFPB) isikhokhelo sokuphatha ngendlela engafanelekanga kunye nokuxhatshazwa kweenkonzo (12 U.S.C. iSection 553 yi-privated lendering derictly) ukusilela, ukukhawulezisa ityala, ukuguqula izinga lenzala, okanye ukunika ingxelo ngetyala elinyelisayo ngesiseko kuphela sokufa okanye ukubhanga komntu otyikityayo I-akhawunti yam yeyangoku kwaye ikwimeko entle, kwaye ndiya kuqhubeka ndihlawula iintlawulo zam zenyanga ezicwangcisiweyo ngexesha. ukukhawulezisa, nokuba akukho ngxelo igwenxa yetyala iya kuthunyelwa kwi-Equifax, Experian, okanye TransUnion."

Iinombolo zengingqi zikaxakeka kunye neeprothokholi ze-arhente¶

Imibuzo ebuzwa qho¶

Ukuba umntwana wam uyasweleka kwaye ndithathe imali-mboleko yoMzali we-Federal PLUS egameni lam ukuze ndihlawulele ikholeji yabo, ngaba kusafuneka ndibuyisele iMali-mboleko yoMzali PLUS?¶

No. Phantsi kweCandelo 437(a) loMthetho weMfundo ePhakamileyo (20 U.S.C. iSiqendu 1087(a)(1)) kunye 34 CFR 685.212(a)(2), iFederal Parent PLUS Loan ikhutshwa nge-100 lepesenti ukuba KUNkanye umboleki-mali ongumzali usweleke OKANYE umfundi oboleke umfundi. Ekuphela kwento ekufuneka uyenzile kukungenisa ikopi eqinisekisiweyo okanye iskena esichanekileyo seSatifikethi sokuFa kumphathiswa wakho wemali mboleko. Ukongeza, phantsi kweCandelo le-108(f)(5) leKhowudi yeNgeniso yeNgeniso yaNgaphakathi, ibhalansi ekhutshiweyo yoMzali PLUS ikhululwe nge-100 lepesenti kwirhafu yengeniso yomdibaniso, ngoko ke awuzukufumana ntlawulo yerhafu ye-IRS yetyala elicinyiweyo.

Kuthekani ukuba umzali wam utyikitye imali yam yomfundi wabucala kwaye ndifuna ukuyisusa ngelixa esempilweni: isebenza njani i-"Co-Signer Release"?¶

Uninzi lwamanqaku esithembiso semboleko yomfundi wabucala lubandakanya ukhetho lwekhontrakthi ye-Co-Signer Release emva kokuba umfundi obolekayo aphumelele kwaye enze i-12 ukuya ku-48 ngokulandelelana, iintlawulo zenyanga zenyanga zenqununu kunye nenzala kwaye ipasise ikhredithi ezimeleyo kunye netshekhi yokubhala phantsi kwetyala-kwingeniso. Nangona kunjalo, abanikezeli benkonzo mboleko yabucala bahlala bephazamisa ukufaneleka kokukhululwa kwabo batyikitye ngokufaka iintlawulo ezongezelelweyo "njengokuhlawulwa kwangaphambili" kunokubala ukuya kwikhawuntara yenyanga elandelelanayo, okanye ngokukwala ukukhulula ukuba usebenzise inyanga enye yonyamezelo lolawulo. Ngalo lonke ixesha ngenisa isicelo esibhaliweyo esisesikweni esiyalela umnikezeli wenkonzo ukuba angazibala njani iintlawulo eziya kuNkupholo lwe-Co-Sayina.

Ukuba ndifumana iTotal and Permanent Disability (TPD) Ukukhutshwa kwimali-mboleko yam yabafundi, ngaba ndalelwe ekubeni ndiphinde ndisebenze umsebenzi wesingxungxo kwakhona?¶

Hayi. Xa iSebe lezeMfundo laseMelika lihlaziya i-34 CFR 685.213 ngoJulayi 2023, litshitshise ngokusisigxina umgaqo omdala we-3-post-discharge post-discharge income-monitoring rule eyayisetyenziselwa ukurhoxisa ukukhutshwa kwe-TPD ukuba umboleki okhubazekileyo ofunyenwe ngaphezu komgca wentlupheko okanye akaphumelelanga ukuthumela kwifom yengeniso yonyaka. Namhlanje, nje ukuba ukukhutshwa kwakho kwe-TPD kuvunyiwe, imali-mboleko yakho iyacinywa umphelo kwaye iya kubuyiselwa KUPHELA ukuba uye wafaka isicelo ngokuzithandela kwaye ufumana iMali-mboleko entsha yoMfundi eNgqo okanye i-TEACH Grant kwiminyaka emi-3 yomhla wokukhutshwa.

Ngaba imali-mboleko yabafundi inokukhutshwa kwiSahluko sesi-7 okanye kwiSahluko se-13 sokutshona kobuqu ukuba AKUKHO kukhubazeka?¶

Ewe, kwaye kuye kwaba lula kakhulu ukusukela ngoNovemba 2022. Ngelixa iCandelo 523(a)(8) leKhowudi yeBhanki yaseU.S. ifuna ukubonakalisa “ubunzima obungafunekiyo” kumchasi oqhubela phambili nokukhupha imali-mboleko yabafundi yabucala okanye yabucala, iSebe lezoBulungisa laseMelika (DOJ) kunye neSebe lezeMfundo lase-U.S. iindleko zangoku ngokuchasene neMigangatho yeSizwe ye-IRS, evumela amagqwetha e-DOJ ukuba achaze ukukhutshwa okupheleleyo okanye ngokuyinxenye kumatyala afanelekileyo ngaphandle kwesimangalo esibizayo. Ukongeza, iimali-mboleko zabucala ezigqithise kwiiNdleko zokuzimasa eziqinisekisiweyo zesikolo okanye eziye zasetyenziselwa ii-bootcamp ezingezizo ezeSihloko-IV okanye izifundo zebha azikhuselwanga yi-11 U.S.C. 523(a)(8) kwaye inokukhutshwa kwimeko yeSahluko sesi-7 esiqhelekileyo.

Ikholeji yam ayizange ivalwe ngokupheleleyo, kodwa yandixokisa malunga namazinga ayo okufumana umsebenzi, amazinga okupasa kwelayisensi, okanye ukuvunywa. Ngaba ndingayirhoxisa imali-mboleko yam?¶

Ewe. Ukuba ikholeji, iyunivesiti, okanye isikolo sorhwebo sibandakanyeka ekuchaseni kakubi okukhulu, ukwaphulwa kwesivumelwano, okanye ukufunwa okukhohlisayo malunga namazinga ayo okuphumelela, izibalo zokubeka umsebenzi, iziphumo zomvuzo, ukuhanjiswa kwetyala, okanye ukufaneleka kwelayisensi yobungcali, ungafaka isicelo soKhuseleko loMboleki kwiMbuyekezo (34 CFR 685.) Ukufakela isicelo soKhuseleko loMboleki kubeka imali-mboleko yakho ye-federal kunyamezelo lolawulo olukhawulezileyo ngelixa iSebe lezeMfundo liphanda kwaye ligweba i-100 yepesenti yokurhoxiswa kwemali mboleko.

Izikhokelo ezinxulumeneyo¶

• Isibheno soncedo lwemali olungxamisekileyo (SAP), ukubamba izifundo, kunye nokukhutshwa kwezindlu kwikhampasi
• Isoyikiso sokurhoxiswa kokwamkelwa kwabafundi ekholejini: ukuhla kumabanga aphezulu okanye ukubhengezwa koluleko
• Ukufundela phesheya iimeko ezingxamisekileyo: i-inshurensi yokufuduka kweyunivesithi 24/7, i-consular aid, kunye ne-triage yabazali
• Ukukhubazeka kunye neemfuno zonyango kwiimeko ezingxamisekileyo
• Amanani kaxakeka kunye nokuthunyelwa kwamanye amazwe

Imithombo kunye nezikhokelo ezisemthethweni¶

• I-U.S. ICongress & Consumer Financial Protection Bureau (CFPB): UkuKhula koQoqosho, Uncedo loLawulo, kunye noMthetho woKhuseleko loMthengi, iCandelo 601 (uMthetho woLuntu 115-174, uLungisa iNyaniso kuMthetho wokuBoleka imali kwi-15 U.S.C. iCandelo 1650(g): UThintelo lweBhanki kwi-Ufault okanye i-Accession yeBhanki kwi-Private Default okanye i-Accession yeBhanki kwi-Privacy Default okanye i-Accession yeBhanki kwi-Private Default. I-Cosigner kunye noKhupho oluSinyanzelo lwe-Cosigner Ekuswelekeni koMboleki woMfundi).
• **I-U.S. ISebe lezeMfundo, iOfisi yoNcedo lwaBafundi beFederal (StudentAid.gov) **: * UWilliam D. Ford Federal Federal Direct Loan Discharge Regulations: 34 CFR iCandelo 685.212 (Ukukhutshwa koKufa, Kubandakanya iMali mboleko ye-Parent PLUS), i-34 CFR iCandelo 685.213 (IiMithetho eYonke kunye neSisigxina sokuKhubazeka), i-34 CFR iCandelo le-34 i-Discharge. Icandelo 685.401 (UKhuseleko loMboleki kwiMbuyiselo)*.
• Inkonzo yeNgeniso yaNgaphakathi (IRS) kunye neSebe lezeMali laseU.S: IKhowudi yeNgeniso yaNgaphakathi 26 U.S.C. ICandelo le-108(f)(5) (Ukukhutshelwa ngaphandle koMvuzo oPhetheyo oKhutshiweyo kwiMali-mboleko yoMfundi waBucala kwi-Akhawunti yoKufa okanye iTonke kunye noKhubazeko oluSisigxina).
• I-U.S. ISebe lezoBulungisa (i-DOJ) kunye neSebe lezeMfundo laseMelika: Isikhokelo samaGqwetha eSebe malunga neSimangalo sokungahlawulwa kweMali-mboleko yaBafundi (11 U.S.C. iCandelo 523(a)(8) Inkqubo yoQinisekiso loBunzima obuNgafunekanga emgangathweni).
• Inkampani yase-UK yeMali-mboleko yaBafundi (i-SLC), iNgqesho kunye noPhuhliso lweNtlalo yaseKhanada (iNkqubo ye-CSFA), kunye neSebe lezeMfundo lase-Australia (iNkonzo yoKhuseleko lweSifundo / i-TPS): Ukucinywa kweMali-mboleko yoMfundi emva kokusweleka okanye ukuKhubazeka okuSisigxina kunye neMithetho yoKhuseleko lweMfundo yoMboneleli ovaliweyo.