Ungalahli ithemba ngoba abazali bakho bengenayo imali yokukusiza ukuthi uqhubeke nezifundo zakho. Zikhona ezinye izindlela ezingakusiza.
Ingabe ufuna ukufunda kodwa abazali bakho noma abakunakekelayoabanayo imali eyanele? Awuwedwa – cishe u-60% wabafundi baseNingizimu Afrika bafaka isicelo semali-mboleko yokufunda (lokhu okwaziwa nge-student loan ngesiNgisi) minyaka yonke. Naku okumele ukwazi.
Isebenza kanjani imali-mboleko yokufunda?
Ubuwazi ukuthi izikhungo eziningi zezimali zinikeza imali-mboleko yokufunda? Iningi lazo lidinga umuntu ozokusiza ufake isicelo ngokuvuma ukukhokha uma ungakwazi – lo muntu ubizwa ngokuthi umqinisekisi, noma i-surety ngesiNgisi. Lapho imali-mboleko yomfundi isivunyiwe, umnikezeli wesikweletu uyokhokhela isikhungo sakho semfundo ephakeme imali yokufunda nezindleko zokuhlala. Abanye abahlinzeki, ikakhulukazi amabhange, bakuvulela i-akhawunti bese bedlulisela imali ku-akhawunti yakho ukuze uyisebenzise ezincwadini zokufunda nasezindlekweni zokuphila zansuku zonke.
Kusho ukuthini “ukuba umqinisekisi”? Umqinisekisi ngumuntu ofana nomxhasi/umzali/umnakekeli, njll. owamukela isibopho ngezikweletu zakho. Nguye ngokomthetho onesibopho sesikweletu uma ungakwazi ukukhokha.
Yini engingayenza uma ngingenaye umuntu ongasayina/umqinisekisi? Ungase uthathe izifundo zesikhashana (part-time studies) uphinde ufune umsebenzi. Ngale ndlela, ungakwazi ukusebenza ngenkathi ufunda ukuze ukwazi ukukhokha imali oyibolekile nyanga zonke.
Ngezansi sikubonisa amathuba emali-mboleko avela kuhulumeni.
Nolwazi uthi…
Imali-mboleko yokufunda noma Imali-mboleko yomuntu siqu?
Imalimboleko yabafundi iyafinyeleleka futhi kulula ukuyikhokha uma kuqhathaniswa nezinye izimali-mboleko. Inezinga lenzalo eliphansi, izinkathi zokukhokha ezinde, nezinkokhelo zenzuzo kuphela kuze kube yilapho uqala ukusebenza. Ngamanye amazwi, ukhokha inzalo kuphela uma usafunda, bese uqala ukukhokha ngokugcwele uma usuthole umsebenzi. Imali-mboleko yomuntu siqu ibiza kakhulu futhi ngokuvamile iba nezimali ezikhokhelwayo eziphakeme futhi kumele uyikhokhe ngokushesha njengoba ingavikelekile. Izinga lenzalo yemali-mboleko yomuntu siqu lilinganiselwa ku-15%, kodwa yona imali-mboleko yabafundi iqala cishe ku-11%.
Izinhlobo zemali-mboleko yabafundi
Imali-mboleko kahulumeni
Uma uyisakhamuzi saseNingizimu Afrika esivela emndenini oneholo elingaphansi kuka-R350 000 ngonyaka, ungafaka isicelo semali-mboleko yokufunda ku-National Student Financial Aid Scheme (NSFAS). Uzodinga iSitifiketi SikaMatikuletsheni ukuze ungeniswe kwelinye lamayunivesithi aseNingizimu Afrika angama-25 noma amakolishi e-TVET. I-NSFAS ikhokhela imali yokufunda, ukubhalisa, indawo yokuhlala, ukudla, nezindleko zokuya esikoleni nsuku zonke. Kudingeka ufake isicelo njalo ngonyaka futhi uphase okungenani u-50% wamamojula akho ukuze uqhubeke nokuthola ukusekelwa ngemali.
Uyibuyisela/uyikhokhela kanjani imali? Uma wenza kahle ezifundweni zakho, u-40% wesikweletu sakho sokufunda se-NSFAS ungashintshwa ube ngumfundaze. Lokhu kusho ukuthi akudingeki ukuba ubuyisele leyo mali. Ukubuyiselwa kwemali yemali-mboleko yabafundi ye-NSFAS kuyodingeka kuphela uma usuziphothulile izifundo zakho futhi usuqale ukuthola imali engaphezu kuka-R30 000 ngonyaka. Lezi zinkokhelo ziqala ngo-3% wemali oyitholayo ngonyaka. Isibonelo: uma uhola u-R30 000 ngonyaka, ukhokha u-R900 kuphela ngonyaka noma u-R75 ngenyanga emholweni wakho.
Imali-mboleko yamabhange
Ukuze uthole imali-mboleko yomfundi ebhange, kufanele ufakelwe isicelo ngumqinisekisi (i-surety) egameni lakho. Umqinisekisi kufanele abe nemali engaphezu kuka-R3 000 ngenyanga futhi abe nomlando wesikweletu ohlanzekile. Ibhange ngalinye linikeza izinhlelo ezahlukene zokukhokha, ngakho-ke hlola izinketho zakho kumabhange amakhulu aseNingizimu Afrika.
Imali-mboleko yezinkampani ezizimele
Abahlinzeki bezimali-mboleko abazimele njenge-FUNDI noma i-Helpmekaar Studiefonds, njll. bagxila kakhulu kwimali-mboleko yokufunda.
Ukukhokhwa kwemali-mboleko yasebhange neyomuntu siqu kusebenza kanjani? Lapho imali ebolekiwe isikhishiwe, uhlelo lokuyibuyisa selunqunyiwe. Ngokuvamile, ukubuyiselwa kwemali kwenzeka ngezigaba ezimbili. Isigaba sokuqala siqala ngenkathi usafunda. Ngalesi sikhathi, umzali wakho, umnakekeli, umxhasi, noma umuntu obhalisele imali-mboleko yakho (obizwa ngokuthi umqinisekisi) ukhokha inzalo kuphela. Isigaba sesibili siqala ngemuva kokwethweswa iziqu. Khona-ke, umelwe ngukubuyisela imali eyisisekelo kanye nenzalo. Ngokuvamile, ibhange noma inkampani ebolekisa ngemali ikunikeza izinyanga eziyi-6 kuya kweziyi-12 ngemuva kokwethweswa iziqu ukuze ufune umsebenzi. Uma unenhlanhla, ungase ukwazi ukwenza isivumelwano nomqashi wakho omusha sokukusiza ukuba ukhokhe imali oyibolekile uma uvuma ukubasebenzela iminyaka embalwa. Kodwa-ke, uma ungaqashiwe ngemuva kwalesi sikhathi somusa, umqinisekisi kuyodingeka ukuthi aqale ukukhokha isikweletu.
Nolwazi uthi…
Naku okunye…
Kunenkolelo eyiphutha evamile ethi imali-mboleko yabafundi ayibi nayo inzalo. Akulona iqiniso lelo. Imali-mboleko yabafundi inayo inzalo, njengoba kunjalo nangezinye izikweletu zasendlini. Ngokwesibonelo, ake sithi abazali bakho bathatha imali-mboleko yokufunda engu-R80 000 ngesilinganiso senzalo esingu-11%. Lapho usafunda, bakukhokhela inzuzo yenyanga engu-R863,40. Uma usuphothule izifundo zakho, usuke usakweleta ibhange u-R80 000 kanye nenzalo engu-11%, engakhokhwa ngezitolimende zanyanga zonke zika-R1 834.65 ezikhokhwa izinyanga ezingama-60. Lokhu kusho ukuthi uyogcina ukhokhe cishe u-R118 713 emalini oyibolekelwe ukufunda.
Cabanga ngokuthola umsebenzi wesikhashana lapho usafunda ukuze uqale ukonga imali ukuze unciphise umthwalo lapho usuqala ukukhokha izikweletu.
OKUDINGAYO: Yini engiyidingayo ukuze ngifake isicelo semali-mboleko yomfundi?
Udinga la maphepha angezansi angubufakazi kwisikhungo sezimali ukuthi ngempela ufunda eyunivesithi. Qiniseka ukuthi unamakhophi angungqo naqinisekisiwe ukuze ugweme ukubambezeleka.
- Incwadi yokwamukelwa eyunivesithi noma ekolishi
- Ubufakazi bemiphumela yezifundo*
- Ubufakazi bezindleko
- Incwadi ewubufakazi bendawo ohlala kuyona, engandluli izinyanga ezi-3 (eyakho neyomuntu ongumqinisekisi)
- Incwadi kamazisi (eyakho neyomuntu ongumqinisekisi)
- Amapheshana omholo wezinyanga ezingu-3 (awomuntu ongumqinisekisi kuphela)
- Izitatimende zebhange zezinyanga ezingu-3 (ezomuntu ongumqinisekisi kuphela)
*Ngemuva konyaka wokuqala wezifundo, umnikezeli wemali-mboleko uzodinga ubufakazi bemiphumela yemfundo yonyaka odlule ukuze aqiniseke ukuthi uvunyelwe ukuqhubeka nezifundo zakho. Ungacela ubufakazi bemiphumela yezifundo zonyaka wokuqala enyuvesi yakho.
Ngaphambi kokuthi uthathe imali-mboleko yokufunda, cwaninga ngokucophelela, uhlole izinketho, bese ukhetha leyo evumelana nezidingo zakho. Qiniseka ukuthi uyaluqonda uhlelo lokukhokha kanye nezinsuku okufanele ukhokhe ngazo.
Sikufisela inhlanhla ezifundweni zakho futhi ulujabulele lolu hambo olusa empumelelweni!
Imithombo
All Bursaries South Africa: Student Loans in South Africa – Study Tertiary Education
Fundi Connect: Student Loans in South Africa: Everything You Need to Know
Just Money: Everything you need to know about student loans
RCS: Things to consider when taking out a student loan
Funded by
