Sukuba (Nako) Ukoyika iMali mboleko yabafundi

Umxholo

• Amanqaku aphambili
• Ukungena kwinkqubo ye-Ph.D yexabiso eliphantsi
• Ukuyeka isikolo
• Ukuhlawula ixabiso lesidanga sakho somgangatho
• Ukuya kubucala

Amanqaku aphambili

• Iinkqubo zobugqirha bengqondo zinokubashiya abaphumeleleyo benetyala elingama- $ 200,000.
• Izinketho zokulungiselela ityala lemali mboleko ephezulu yomfundi kunokuba kukusebenza okwethutyana emva kokufumana iziqu zokuqala, okanye uzame indawo enqabileyo kwi-Ph.D exhaswa ngemali. Inkqubo.
• Ukuzibandakanya kubucala emva kokuba uthweswe isidanga kunokuba yeyona nto ukubheja kwakho ekuhlawuleni ityala lesikolo ukuba ucinga kancinci njengomqeshwa.

Kwiposi yam yokugqibela, ndiye ndacacisa eminye yemiceli mngeni abajamelene nayo abafundi abanesidanga kwizifundo zengqondo zonyango. Olona celomngeni lukhulu kukhuphiswano oloyikisayo lokufumana izikhundla kwindawo ebizwa ngokuba yi "PhdD." izikhundla. Aba bafundi bahlawula isifundo esincitshiswe kakhulu, kodwa ngeendleko zokuchitha iiyure ezingenakubalwa besebenza kuphando olunomdla omkhulu kumcebisi wabo wobuchule. Umbono kukuba ezi nkqubo zenzelwe ukuvelisa abaphandi bezonyango abenza uhlobo olufanayo lomsebenzi njengomcebisi wecandelo. Nangona kunjalo, kuba imisebenzi yecandelo lezakhono inqabile ngakumbi kune-Ph.D. izikhundla, akukho siqinisekiso sokuba abafundi kwezo Ph.D. iinkqubo ziya kuphela njengabaphandi beklinikhi konke konke-enyanisweni, uninzi lwazo luza kuphela-njengokukhefuzela! - oogqirha bokwenyani.

Ukungena kwinkqubo ye-Ph.D yexabiso eliphantsi

Ukuze ubambe ezo ndawo zinqabileyo kwizifundo zengqondo ezifumana inkxaso-mali kwi-Ph.D. iinkqubo, abanqwenela abafundi baqalisile ukwenza uphando kunye nokupapasha kwangoko kwiminyaka yabo yokuthweswa isidanga. Babhalisa kwiinkqubo zesidanga semasters esixabisekileyo, eyona njongo iphambili kukonyusa amathuba omntu kwisikhundla sobugqirha. Basebenza njengabancedisi bophando oluhlawulelwa kancinci iminyaka. Ewe kunjalo, akukho nanye kwezi zinto eqinisekisa ukwamkelwa kwi-Ph.D. Enexabiso eliphantsi. Inkqubo, kwaye yonke le misebenzi iphela ibiza imali. Bamele oko ezoqoqosho zikubiza ngokuba "ziindleko zamathuba," okanye, iindleko zokuthatha ikhosi enye yezenzo ngaphezulu kwenye.

Ukuyeka isikolo

Yeyiphi enye indlela yokwenza? Ewe, okokuqala, mhlawumbi ungayi kugqiba isikolo ngqo ngaphandle kwe-undergrad kwindawo yokuqala. Mhlawumbi uqaphele into ethethwa ngugqirha wezengqondo omkhulu uCarl Jung:

“Nabani na ofuna ukwazi ngengqondo yomntu uya kufunda nganto kwinzululwazi yokusebenza kolingelo. Uya kucetyiswa ngcono ukuba ayeke ngqo isayensi, abeke kude isambatho sakhe somfundi, avalelise kwisifundo sakhe, kwaye azulazule ngentliziyo yomntu kwihlabathi liphela. Apho kwindawo ezoyikisayo zeentolongo, iindawo zokukhosela nezibhedlele zasemini, kwiindawo zentselo zasedolophini, kwiindawo zoonongogo nakwindawo zokungcakaza, kwiindawo zokuzilungisa ezihonjisiweyo, iStock Exchanges, iintlanganiso zobusoshiyali, iicawa, iintlanganiso zemvuselelo kunye namahlelo onwabileyo, ngothando nentiyo Ngamava enkanuko ngohlobo ngalunye emzimbeni wakhe, uya kuvuna ulwazi olugqithisileyo kuneencwadi zesicatshulwa ezinyawo angamnika zona, kwaye uya kuyazi indlela yokuya abagulayo ngolwazi lokwenene lomphefumlo womntu. ”

Ayisiyo ingcebiso yakho esemgangathweni kwezemfundo, ndiyazi. Kodwa mhlawumbi intsimi yengqondo yezonyango ifuna abafundi abambalwa "A" abane-vitae efanelekileyo kunye neshumi elinambini lopapasho, kwaye mhlawumbi ifuna abantu abaninzi abaye banamava okunene ehlabathi. Zingaphi iingcali zeklinikhi eziye zaya kuQeqesho olusisiseko lwezomkhosi, okanye kwiziko lamapolisa, okanye zasebenza njenge-LPN kwikhaya labahlengikazi, okanye njengocwangco kwisibhedlele sabagula ngengqondo? Ndingazama, akwanelanga. Ke ungoyiki ukwenza into eyinyani ngobomi bakho ngaphambi kokuqhubeka nesikolo. Ukuba ukwenza oko kulimaza amathuba akho okungena kwi-Ph.D. Inkqubo, ethi ngaphezulu malunga nabo kunokuba isitsho ngawe.

Ukuhlawula ixabiso lesidanga sakho somgangatho

Enye into elandelayo kukujonga ngeendleko eziphezulu ze-Psy.D. Inkqubo. (Kwezi zithuba zimbini kulo mbandela, andihlukanisi phakathi kwe-Ph.D. Kunye nePs.D.iinkqubo ngokwazo, ndisebenzisa nje i- "Psy.D." ukumela isidanga esiza kufuna ukuba uthathe ityala elininzi, kunye ne- "Ph.D." ukumela isidanga esiza kufuna ukuba uthathe ityala elincinci.) Masithi imeko enzima kakhulu iyazaliseka kwaye uphumelele nge-200,000 yeedola kwityala lemali mboleko yomfundi. Ngaba ungayihlawula? Njengoko bendiphawulile kwisithuba sam sangaphambili, ukuhlawula loo mali kwiminyaka engama-20 kwi-5% yenzala kuya kubandakanya intlawulo yenyanga eyi- $ 1,320.00. Oko kuyothusa isitika, ngakumbi ukuba ucinga njengomqeshwa, hayi njengosomashishini.

Ukuba injongo yakho emva kokufumana ugqirha kwizengqondo zeklinikhi kukufumana umsebenzi, nokuba ungunjingalwazi oncedisayo okanye kwiziko lezonyango e-VA okanye kwenye iarhente, ewe, kungcono ube ukhathazekile malunga nokuba ungakanani na ityala lomfundi olithathayo. Ukufana okufanayo ne-Ph.D. kunye ne-Psy.D. imisebenzi kukuba abahlawuli kakhulu: Cinga kwindawo ethile kwi-70,000 yeedola ukuya kwi-80,000 yeedola. [Ngendlela, iSebe lezeMfundo laseMelika ngoku liqhuba inkqubo emangalisayo apho baya kuthi bahlawule imali-mboleko yakho yomfundi emva kweminyaka elishumi yokuhlawula kwakho, ukuba usebenzela iarhente yomanyano okanye yaseburhulumenteni, njengeSebe leMicimbi yamaGqala, okanye iarhente yezempilo yengqondo.] Ndiyazi ukuba umvuzo ubonakala ngathi uninzi lwabantu, kodwa ayisiyonto ingako ukuba unentlawulo enkulu yemali mboleko yomfundi inyanga nenyanga.

Ukuya kubucala

Ke ungasifumana njani isidanga esineendleko eziphezulu kwaye uthintele iindleko zamathuba enkqubo yenkosi, abancedisi bophando, njl. Yiya kubucala emva kokuthweswa isidanga, apho umisela khona ukuba urhola malini. Ukuqhuba inkqubo yabucala akufani nokuqhuba naliphi na ishishini elincinci: Kuya kufuneka uphendule ngazo zombini ingeniso kunye nenkcitho. Ukucinga ngokuhlawulwa kwemali-mboleko yomfundi njengendleko zeshishini kunokubeka isoyikiso esikhulu se- $ 200,000 kwindawo elungileyo. Masithi uchitha i- $ 1,200.00 / ngenyanga ukuqesha, ukubonelela, ukukhanyisa / ukufudumeza iofisi. I-inshurensi ye-Malpractice kunye nokuqhubeka kwamakhredithi emfundo kunye neefizi zelayisensi ziya kubiza malunga ne- $ 2,500 ngonyaka (okanye i- $ 208 ngenyanga). Yongeza ifowuni kunye nezinye iindleko ezahlukeneyo ze- $ 192 ngenyanga. I-inshurensi yezempilo yobuqu malunga ne- $ 456 ngenyanga. Kwaye, ewe, loo ntlawulo yemali mboleko yomfundi eyi- $ 1,320 ngenyanga. Konke kuxeliwe, ziidola ezingama-2,057 kwiindleko okanye i-24,684.00 yeedola ngonyaka.

Ngoku makhe sijonge kwiingeniso. Masibe liballballs ezi, ukuze nje sibe ngolondolozo kangangoko kunokwenzeka. Masithi ubona abaguli abathandathu ngosuku, iintsuku ezintlanu ngeveki. Uthatha i-inshurensi, kwaye masithi ufumana i-not-so-great rate ye- $ 80 kwiseshoni yemizuzu engama-45. Zizo ke izigulana ezingama-30 ngeveki x $ 80 = $ 2,400 ngeveki. Phindaphinda amaxesha angama-50 kunye neerisithi zakho zonyaka ezingama-120,000 ngonyaka. Thabatha i $ 25,000 kwiindleko (ezibandakanya intlawulo yemali mboleko yakho yomfundi), kwaye unomvuzo werhafu yangaphambi kwe- $ 95,000. Ukukhupha irhafu yokuziqesha eyi-15.3% (egubungela iintlawulo zakho kwi-Medicare kunye noKhuseleko lwezeNtlalontle) kwaye uku- $ 80,465, engeyiyo ingeniso nje kuphela kodwa ekwangcono kunaninzi kunjingalwazi abancedisayo kunye noochwephesha bezengqondo abaninzi abaqeshwe ziiarhente.

Kwaye khumbula ukuba olu qikelelo luthathwe kwibhola ephantsi kwiingeniso zakho. Masithi ukongeza iingokuhlwa ezimbini ngeveki, ubona izigulana ezithandathu ngaphezulu ngalo maxesha. Oko kungonyusa iirisithi zakho ezixabisekileyo ukuya kwi- $ 144,000 ngonyaka. Masithi ubona abaguli abasixhenxe ngosuku, iintsuku ezine ngeveki, kwaye ngolwesiHlanu wenza iimviwo zokukhubazeka kwezentlalo (ezimbini zifuna uvavanyo lwe-WAIS-IV kwaye ezimbini zifuna iMeko yeNgqondo kuphela). NgolooLwezihlanu kungenisa ngaphezulu kwewaka leedola (kuya kufuneka ubone phantse abaguli abali-13 ukuze bafumane imali efanayo). Kwaye ukuba i-inshurensi oyithathayo ihlawula i- $ 86 endaweni ye- $ 80? Ngaphantsi kwemeko yokuqala yokubona nje abaguli abathandathu ngosuku, oko kuthetha ukuba i-9,000 yeedola eyongezelelweyo ngonyaka.

Imayile yakho ingahluka, kunjalo. Kodwa ndicebisa ukuba into eza kwenza umahluko omkhulu kwiziphumo sesakho isimo sengqondo seshishini okanye ukusilela kwakho. Abanye abantu abonelisekanga ngumngcipheko kunye noxanduva lokuziqhelanisa nokuzenzela izinto zabucala. Banokukhetha ukurhweba ngembuyekezo eyongezelelekileyo (njengokunyuka kwengeniso kunye nokuzimela) kwinto ebonakala ngathi kukhuseleko kunye nozinzo. Ngayiphi na imeko, ukuba ukuziqhelanisa nabucala yeyona njongo yakho iphambili, unganiki ubungqina obuninzi (kubanini-boosomashishini) abakuxelela ukuba "akukho mntu unokukwazi ukuthatha i-200,000 yeedola kwityala lemali mboleko yomfundi."