Gahunda yo kubabarira inguzanyo abanyeshuri y’ubuyobozi bwa Biden ireba gusa abafite inguzanyo zihariye zabanyeshuri bakaba bazifitiye urwego rushinzwe inguzanyo rwa minisiteri y’uburezi ya U.S. Izi nguzanyo ziboneka gusa binyuze mu gusaba leta inguzanyo yo kwiga bizwi nka (FAFSA). Abasaba ubuhunzi nabandi benshi ntibemerewe FAFSA bityo ntibemerewe iyi gahunda yo kubabarira inguzanyo.
Inguzanyo zemerewe kubabarirwa ni inguzanyo ziterwa inkunga cyangwa inguzanyo zidatewe inkunga na Minisiteri ishinzwe uburezi muri Amerika. Gahunda zimwe z’inguzanyo z’igihugu – nk’inguzanyo za leta zigenewe imiryango (FFEL) – zitangwa n’ibigo byigenga kandi uyu Mwenda ntiwemerewe kubabarirwa, keretse iyo zahujwe n’umuyobozi w’ishami ry’uburezi mbere yitariki ya 29 Nzeri 2022. Urutonde rw’ abakora ibijyanye n’ inguzanyo ushobora kurusanga kuri kuri studentaid.gov.
Abafite inguzanyo ariko batemerewe iza FAFSA babonye inguzanyo bahawe n’abatanga inguzanyo bigenga ntibemerewe gukurirwaho inguzanyo na reta. Ariko, niba abahawe inguzanyo n’ibigo byigenga bagorwa no kwishyura buri kwezi, abahawe inguzanyo bashobora gufata ingamba zo kugabanya umwenda wabo cyangwa ingano z’ayo bishyura buri kwezi:
1. Amanota yawe yo kwiga muri Maine ushobora kuyasaba ubwo uba wuzuza ubusabe bwo gusubizwa umusoro maze ugasubizwa amadolari, kandi ibi byemewe ku nguzanyo yose yo kwiga umuntu aba ari kwishyura. Ubu buryo butuma uwagurijwe asubizwa igice cy’inyungu z’inguzanyo yishyuwe mu mwaka.
Gahunda yo kugabanya umwenda wo kwiga izwi nka Alfond Leaders Student Debt Reduction Program itanga ubufasha bwo kwishyura inguzanyo kubanyeshuri barangije gahunda ya STEM (siyanse, ikoranabuhanga, ubwubatsi, n’imibare) kuri ubu bakorera umukoresha ubarizwa muri Maine.
Abakoresha bamwe bagira gahunda yo kwishyurira abakozi babo umwenda w’ishuri hamwe n’izindi gahunda zifasha abakozi babo. Baza umukoresha wawe ubufasha bw’uburezi bafite. Andi makuru murayasanga ku rubuga rwa FAME Maine: www.famemaine.com.
2. Hamagara abaguhaye inguzanyo kugirango ubaze ibijyanye no kugabanya ubwishyu cyangwa gutera inkunga inguzanyo yawe. Rimwe na rimwe, guhamagara kuri terefone byonyine bishobora gutuma ugabanyirizwa amafaranga yo kwishyura buri kwezi. Gutera inkunga umwenda wawe nabyo bishobora kandi kugabanya umwenda wose –mu gihe runaka – mu gihe ubashije kushyirirwaho inyungu nke cyangwa se inyungu idahinduka. Ibuka kugenzura amanota y’inguzanyo mbere yo gusaba gutera inkunga inguzanyo yawe! Amanota ya 700 cyangwa arenga azatuma ubona ibisubizo byiza, ariko umenye ko gukurura amakuru ajyanye n’amanota ya keredi ufite kenshi bishobora kugabanya amanota yawe ya keredi.
3. Shakisha ubundi buryo bwo gutera inkunga cyangwa guhuriza hamwe inguzanyo zawe. Rimwe na rimwe, ushobora kubona uguha inguzanyo bundi bushya akanaguhera ku nyungu nziza kurushaho. Guhuriza hamwe ni amahitamo bakenera inguzanyo bafite inguzanyo ntoya zitandukanye bafashe mu bihembwe bitandukanye by’ishuri. Inguzanyo ihuriza hamwe izagura buri nguzanyo ufite maze ihurize hamwe ayo usigaje kwishyura ujye uyishyurira hamwe ku nyungu nshya. Inyungu zirimo uburyo bwo kwishyura inguzanyo imwe ku kwezi; birashoboka kugabanya amafaranga yose yishyurwa buri kwezi; no kubona inyungu nziza niba amanota yawe ya keredi yarazamutse. Ingaruka zishobora kuba kwishyura amafaranga menshi abakugurije mugihe cyose inguzanyo izamara.
4. Niba utarabashije kwishyura inguzanyo wafashe uko bikwiye, vugana n’abayiguhaye murebe murebe icyakorwa.. Abatanga inguzanyo ntibifuza ko utishyura inguzanyo yawe! Niba utarishyuye kubera impamvu iyo ari yo yose – nk’ibyihutirwa mu muryango, kubura akazi, ibibazo by’amategeko, guhomba, cyangwa urukurikirane rw’amakosa ajyanye n’ubunyangamugayo – hamagara uwaguhaye inguzanyo ako kanya hanyuma usobanure uko ibintu bimeze. Abaguye inguzanyo yawe bazafatanya nawe mugutegura gahunda yo kwishyura kugirango igaruke mu murongo mwiza. Ibi bizakurinda kujya munkiko kandi bigufasha gusana ibyangiritse kuri raporo yawe ijyanye n’ibyo gufata inguzanyo mugihe kirekire
Inguzanyo z’abanyeshuri ntizikurwaho n’uko umuntu yahombye, bivuze ko guhomba bidakuraho uyu mwenda. Ikindi kandi, mugihe inguzanyo nyinshi “zibabariwe” mugihe uwagurijwe apfuye, abafatanyabikorwa basinye ku nguzanyo bazaba bategetswe kwishyura umwenda usigaye. Uwo bafatanyije ni undi muntu umwe nk’umubyeyi, uwo bashakanye, cyangwa umuvandimwe wasinye impapuro – hamwe n’uwagurijwe – ndetse na banki cyangwa undi watanze inguzanyo. Umuryango n’inshuti batasinyiye umwenda ntabwo bashinzwe kwishyura uyu mwenda, kandi abatanga inguzanyo ntibashobora kurega bene wabo b’uwagurijwe ngo bishyure keretse iyo uwo muvandimwe nawe yasinye ku nguzanyo. Mu gihe uwasinyiye nyir’inguzanyo asabwa kubahiriza amasezerano na banki, benshi mu batanga inguzanyo baba bifuza gukorana n’uwasinye ngo inguzanye yishyurwe ku buryo bwumvikanyweho kandi bushobotse.
Inguzanyo yo kwiga uhawe n’ikigo cy’igenga irashobora kuba amahitamo meza kubanyeshuri ba kaminuza n’ababyeyi babo mugihe basobanukiwe inshingano bafite mu kuyifata ndetse n’ingaruka bijyana. ProsperityME itanga inama mu buryo bw’ibanga ku mutungo mu baturage bafite ibibazo bifuza kubaza ku bijyanye n’inguzanyo, kuzigama, n’ishoramari. Abajyanama bashobora gufasha mu gutegura gahunda y’uburyo wabona amadolari yo kwishyura ishuri, i no gukora gahunda mu by’umutungo ibereye ababagana. FAME Maine nayo itanga ubujyanama kandi yo ikorana byihariye n’abanyeshuri. Byongeye kandi, umushinga Peer Workforce Navigator ni ihuriro ry’abafite imico itandukanye, bavuga indimi zitandukanye rishobora gufasha ababagana babamenyera aho bagana ngo bahabwe ubufasha bakeneye.
