ʻO kahiʻike nui o Stafford, Perkins, a me nā loina'ē aʻe
ʻAʻoleʻo nā loans pākahi wale nō i hana likeʻia, akāʻoi aku ka nui o nā loina ma mua o nā mea'ē aʻe. Ua hoʻokumuʻia kēlā me kēia papahana kālā hōʻai'ē e kākoʻo i nā pono o nā hui kūikawā o nā haumāna. Ma ka hoʻomaopopoʻana i kaʻokoʻa ma waena o nā polokalamu kīnā haumāna e lilo i mea nui e kōkua iāʻoe e hoʻolālā pololei i kāu koleka .
ʻO nāʻano kumuʻelua o nā hōʻai'ē haumānaʻo ia nā mea i kākoʻoʻia e kekahi polokalamu aupuni aupuni a me nā mea i hāʻawiʻia mai nā mea hāʻawi kālā.
ʻO nā pānaʻi i hāʻawiʻia ma nā papahana aupuni e like me ka mea nui eʻoi aku ka maikaʻi o nā mea noi kālā haumāna ma mua o nā loina ukali .
ʻO nā polokalamu kīwī nui koʻikoʻi e noʻonoʻo aiʻo iaʻo Stafford Loan, ka Loan Perkins, a me nā loina PLUS.
Stafford Loans
ʻO ka Loans Staff Loans keʻano o ka loiloi aupuni nui loa i ka wā i hāʻawi lākou i nā kālā ma keʻano kōkua a me ka hoʻokūʻole. I nā hua'ōlelo'ē aʻe, hiki iāʻoe ke hoʻohana i Staff Staff Loan no ka kōkuaʻana e uku i ke kulanui no ka mea ināʻoe he nele kālā.
Loaʻa ka Loan Stafford i nā haumāna lae a me nā haumāna kula kiʻekiʻe i hoʻopaʻa inoaʻia ma ka liʻiliʻi he hapa manawa. ʻO kēiaʻano o nā loina e kauʻia i ka palena kiʻekiʻe ma ka makahiki (hou, ka makahiki hou, a me nā mea'ē aʻe), a no nā makahiki likeʻole.
Loaʻa nā haumāna e hoʻohana ana i kēia hōʻai'ē i kahi loiloi liʻiliʻi loa ma luna o ke ola o kā lākou noi a uaʻaeʻia e hoʻokuʻu i ka ukuʻana a hiki iʻeono mau mahina ma hope o ke kula.
No kaʻoliʻoliʻana o nā mea lohi'ai'ē nui,ʻaʻole i hōʻoiaʻia ke kākoʻo o Stafford Loans.
ʻO Perkins Loans
Hoʻolālāʻiaʻo Loan Loans e kōkua i nā haumāna i ka waiwai kālā kūikawā, aʻaʻole nui nā haumāna e kūpono i nā'ōlelo aloha a Perkins. E like me ka Stafford Loans, hiki ke hoʻohanaʻia nā Lii Perkins no nā kulaʻelua a me ke kulanui.
Palenaʻo Perkins i ka makahiki haʻahaʻa a me ka palena o ka wā palena no ka noiʻana akāʻaʻole i nele i nā kumukū kumu. Hoʻomaopopoʻo Perkins Loans i ka nui o ka uku ukupanei. Eia hou,ʻo ke kumukūʻai o kēia mau uku kālā e ukuʻia e ke aupuni i ka manawa e kākau inoaʻia ana kekahi haumāna i ke kula.
PILI LAWE
PLUS loans eʻae i nā haumāna aiʻole nā mākua e hōʻai'ē i ke kālā kūpono no ka ukuʻana i nā nele iʻole e hoʻokōʻia e nā polokalamu kōkua kālā'ē aʻe. I ke kumu, keʻae neiʻoe iāʻoe e uku maʻamau no ke kulanui me ka nele i kālā mai loko mai o kaʻeke i kēia lā. Eia naʻe, hiki ke ukuʻia kāu uku mua i 60 mau lā mai ka hoʻoiliʻana o ka hōʻai'ē.
PLUS Loan i nā loina i ke kaʻina o ka huina kālā ma mua o ka 7.90 - 8.50 pakeneka) a hiki paha ke hoʻokuleana i nā uku o ka origination a hiki i ka 4 pakeneka. Pono lākou e koi i ka hōʻai'ē maikaʻi aʻaʻole hiki ke maʻalahi i kā lākou uku koho.
Nā hāʻawi kālā
ʻO nā loans o nā haumāna kekahi o nā papahana hoʻolaha loa a hiki ke maʻalahi i ke aupuni US. ʻOiai he mea maikaʻi kēia no ka poʻe e noi ana i ka hoʻonaʻauaoʻana, akā, he mea nui loa ka hoʻomakaʻana o ka hoʻoholoʻana.
Ma mua o kou kauʻana i kāu kaulike kāu kaulike, e hoʻomaopopo ponoʻoe i nā haʻawina e loaʻa pū ana ma o ka US Department of Education ( Pell Grants ) a me kou moku home.
ʻO kēia mau haʻawina he mau makana nui loa ia e ukuʻoleʻia.