ʻO nā hiʻohiʻona o nā Polokalamu Hoʻolimalima Loan Haumana
1. Pono
Ke hāʻawi aku nei kekahi mau pūʻulu manawaleʻa i ke kala kala kala haumāna no ka hāʻawiʻana i kekahi manawa o kāu manawa. Inā kōkuaʻoe iā AmeriCorps, Peace Corps, aiʻole Volunteers in Service to America (VISTA) hiki iāʻoe ke hiki i ka 70 pakeneka o kāu mau kalawina haumāna e kalaʻia. E kipa i kā lākou mau pūnaewele eʻike i kaʻike hou aku e pili ana i nā polokalamu kalapai kalaʻi haumāna.
- AmeriCorps
- KuleanaHawaii (PDF link)
- VISTA
2. E lilo i kumu kumu piha
Inā loaʻa iāʻoe kahi loan Perkins , hiki iāʻoe ke hāʻawi i kahi hapa o ka hana i ka manawa piha ma kahi kula kiʻekiʻe, waena, a iʻole ke kula kiʻekiʻe paha e lawelawe ana i nā keiki mai nāʻohana haʻahaʻa. ʻO ka nui o nā makahiki āu e aʻo nei,ʻo ka nui loa o kāu kalaʻana. Pono e loaʻa i kahi papa hoʻonaʻauao o ka papa kula kahi mau 'ike e pili ana i nā kula i loko o kāu' āpana e hoʻolako i kala kala kala haumāna ma lalo o ke kānāwai Hoʻonaʻauao Hoʻonaʻauao National Defense.
Aia kekahi mau polokalamu'ē aʻe i hōʻai'ē kalahala hōʻai'ē haumāna e hiki ai iāʻoe ke hāʻawi i nā kala kālā a nā haumāna i nā hewa hou.
Hiki iāʻoe ke hoʻokaʻaʻike pinepine aku i kāu papa hana hoʻolālā no kaʻike e pili ana i ka kalaʻana i kāu kalauna haumāna.
3. Komo pū me ka Koa
ʻO kekahi o nā pono o ka huiʻana i ka pūʻali he uku hōʻai'ē haumāna. I kēia manawa,ʻo ka pūʻali koa, ka'Ālele Koa Koa, ka Koa Koa, ka Puʻukū'Āina Mokulele, a me ka Navy e hāʻawi i nā polokalamu hōʻai'ē hōʻai'ē haumāna a $ 20,000 ma muli o ka lālā.
ʻO ka pōʻino,ʻo ka Marine Corps, ka Guard Guard, a me nā Air Reserve Reserves ke hāʻawiʻole i ka hōʻai'ē hōʻai'ē haumāna. No kaʻike hou aku e pili ana i ka hoʻouhala kalaʻana o ka haumāna hōʻailona, e kipa i kēiaʻatikala ma ka Polokalamu Hoʻolimalima Loan Kulanui.
4. E lilo i Kauka a Loio paha
Hiki i nā kauka lāʻau lapaʻau a me nāʻoihana loio ke hoʻopau i ka hōʻai'ē hōʻai'ē haumānaʻeono. Mahalo no kēia mau mea Ph.D, aia he mau polokalamu hōʻai'ē hōʻai'ē haumāna e hiki ke hoʻemi i ka ukana kaumaha o kā lākou haumāna .
- Ke kala aku nei nā National Institutes of Health i kekahi'ai'ē hōʻai'ē haumāna no nā haumāna lapaʻau e hoʻopau ana i kekahi mauʻano lapaʻau kūikawā me ka maʻi, nāʻike lapaʻau, a me nā noiʻi maʻamau.
- Hiki i nā kauka lapaʻau ke loaʻa i kahi $ 50,000 o nā hōʻai'ē kālā a nā haumāna i hōʻoia ma o ka Polokalamu Loan Repayment Program no ke kūʻaiʻana noʻelua makahiki o ka lawelawe manawaleʻa ma kahi keʻena kelepa i nele i nā mea lapaʻau ola. Hiki iāʻoe ke loaʻa ka kala hou no ka hāʻawi hou aku.
- Hiki i nā haumāna puka o ke kula o ke kula ke loaʻa i kekahi o kā lākou mau haumāna i kala kālā e kalaʻia ma ka hanaʻana i kekahi hana hanaʻole. Hoʻolalikeʻo Kaulike Hoʻoholo i kahi papa inoa o nā kula kumumua e loaʻa nei kahi polokalamu kōkua hōʻai'ē. Inā kāu kula ma ka papa inoa, e hoʻokaʻaʻike i kāu pūnaewele kōkua kālā e aʻo i kahi e hiki ai iāʻoe ke kala aku i kāu kalauna haumana.
5. E kali i 25 mau makahiki aiʻole (20 mau makahiki no nā hōʻai'ē hou)
Inā loaʻa iāʻoe kahi hōʻai'ē kālā a ke hoʻonohonoho neiʻoe i kahi hoʻolimalima uku kālā (IBR), hiki iāʻoe ke pale i kāu hōʻai'ē i ka haumāna ma hope o 25 mau makahiki, aiʻole 10 mau makahiki ināʻoe e hana ma kaʻoihana lehulehu. Loaʻa nā pānaʻi kālā a nā haumāna āpau a pau, koe naʻe nā uku kālā a nā haumāna, nā mākua a me nā loina PLUS. Ke waihoʻia nei kāu uku kālā hōʻai'ē ma luna o kāu kālā a me ka nui o kaʻohana. Eia kekahi laʻana, heʻohana $ 3,000 e loaʻa ana he $ 45,000 i ka makahiki ma kahi papahana IBR. Hiki iāʻoe ke noi no IBR ma ke kākoʻoʻana i ka mea nāna e hāʻawi aku i kāu noi. ʻO nā kālā i laweʻia ma hope o ka lā 22 o Iulai, 2014 ma ka papahana IBR, e kalaʻia ia ma hope o 20 mau makahiki ma mua o 25 mau makahiki. Ua hoʻolaha koke akuʻo Pelekikena Barack i nā manaʻo e holo wikiwiki i kēia lā. E kipa i ka pūnaewele o ka Federal Student Aid a me IBR Info no kaʻike hou aku.
ʻO wai ka uku no ka kala kalaʻana i nā kalamana haumāna
He nui nā kānaka,ʻo ka poʻe i hana ikaika e uku i kā lākou kālā kālā, kū'ē i ka hōʻai'ē hōʻai'ē haumāna (ʻo ia hoʻi ka uku kālā loiloi) no ka mea,ʻo ka uku kālā a nā poʻeʻauhau. Inā kala ke aupuni Pekelala i kāu pānaʻi haumāna,ʻo ia hoʻi, ua uku nāʻauhauʻauhau no kāu aʻo kula. I kēlāʻano, ua like ia me ka hoʻohanaʻana i nā hāʻawi kālā a ke aupuni no ke kālāʻana i kāu hoʻonaʻauaoʻana. ʻO ka hoʻolimalima hōʻai'ē hōʻai'ē a ka haumāna no ka ukuʻole, akā, inā hāʻawi nā mea kālā i kēia mau polokalamu, hiki i nā mea'ē aʻe o nā kālepa ke hoʻopau iā lākou ma nā uku a me nā ukupaneʻe.
Hoʻopuka hou no ka kala kalaʻana o nā haumāna
I kekahi mau manawa, makemakeʻiaʻoe e hōʻike i nā loina i hōʻoiaʻia ma ke kālā loaʻa kālā. Hiki paha i kēia ke hoʻonui i kāu kuleanaʻauhau i kēlā makahiki a hiki i ka hopena ke loaʻa i kekahi pute kālā ke waihoʻoe i loko oʻApelila. ʻAʻole nā polokalamu kalahala hōʻai'ē haumāna e koi iāʻoe e uku i nāʻauhau ma ke kālā i kalaʻia. E nānā i kāu hoʻomākaukau kālā no kaʻike hou aku.