Isithai student yemali-mboleko yakho yakwa ingaba efanayo 'subsidized' federal iimali-mboleko kwi-United States, evakalayo ukuba akukho inzala ufumana imali de graduation okanye i-interruption le imfundo. Absent oku, inzala zenza umahluko, kuqala ngokwendlela yi-Kubulungiseleli Wezemali njengoko urhulumente ke kulindeleke ukuba uboleko iindleko enye inzala ixesha dibanisa. amashumi amabini anesihlanu premium yongezelela ngobuchule yonyaka wenzala Repayments kwi Isithai student yemali-mboleko yakho yakwa - noba ifomu inzala okanye igqwetha - musa begin de graduation okanye interruption ka-uphandoRepayment ngu oluhleliweyo ukwimo amortization, kunye inzala kwaye inqununu zidibene kwi vertical, ngenyanga intlawulo (njenge i-annuity). Vertical, inzala yemali-mboleko yakho yakwa kuba repayment amathuba, okanye iminyaka elishumi ukususela kwixesha ukuba imali-mboleko uba inzala-neziphumo. I-sebenza ngokujikeleza repayment elithi ufmana amashumi amabini eminyaka, kodwa kusenokuba lizaku kucinywa phezulu amathathu eminyaka.
Emva graduation, abafundi banikwa a default ubabalo seminyaka emihlanu iinyanga ngaphambi kokuba kufuneka begin ukwenza lifike kwi-sixth ngenyanga. Borrowers ingaba isicelo ezongezelelweyo deferment amathuba kuba ubukhulu deferment leminyaka emithathu I-accrued inzala ukususela deferment xesha iya kuba capitalized kwi-mboleko, okuthetha ukuba eliqhelekileyo ngenyanga intlawulo liza kunyuka kuba wonke ezongezelelweyo deferment xesha.
Kukho abathile kufanelekileyo ukukhutshelwa kuba intlawulo inzala, kuquka (kodwa hayi limited ukuya) military inkonzo enjalo njengokuba student abebezimase a military academy, iinkonzo zasekuhlaleni, care umsebenzi, nentlalo-ntle kwaye intlupheko esekelwe ukukhutshelwa.
