Anthu padziko lonse lapansi akhala akuyang'ana ndalama zothandizira amayi omwe akulera okha ana ovutika komanso njira yomwe angazipeze kuti apulumuke m'nthawi zovuta zomwe zikulamulira masiku ano.
Thandizo ndi thandizo lazachuma lomwe nthawi zambiri limaperekedwa ndi boma (mabungwe abizinesi/anthu atha kuperekanso thandizo) kuthandiza anthu omwe amapeza ndalama zochepa. Koma tisanayambe kundandalika zingapo za thandizoli, pali mafunso ena amene kaŵirikaŵiri amafunsidwa ndi amayi olera ana olera ana olera ana olera ana pa nkhani zokhudza thandizoli ndi mmene angapempherere thandizo lopitiriza.
Tikambirana mafunso amenewa m’nkhani ino.
Monga momwe ndalama zambiri zathandizira zomwe zalembedwa pano zikukhudzana ndi boma la US, sizikutanthauza kuti thandizo lotere kulibe m'maiko athu. Amatero ndipo akhoza kupatsidwa dzina lina m’mayiko otere.
Komanso, kupempha kapena kupindula ndi thandizo la ndalama si njira yokhayo imene amai olera ana amalera okha ana amapeza pakakhala mavuto azachuma. Palinso njira zina zomwe angasankhe ndipo tidzalembanso izi m'nkhaniyi.
M'ndandanda wazopezekamo
Mafunso Omwe Amafunsidwa Kawirikawiri Okhudza Ndalama Zothandizira Kuvutika Kwa Amayi Osakwatiwa
1. Kodi Ndingapeze Kuti Thandizo Monga Mayi Okwatiwa Omwe Ali Mmodzi?
Mutha kulembetsa ndalama zothandizira ndalama za Federal zomwe zilipo ndi ndalama zina zakomweko. Ndalamazi zimakuthandizani kulipira ngongole zanu ndikusunga ndalama pamisonkho yanu.
2. Bwanji Ngati Sindili Woyenerera Kupatsidwa Ndalama?
Ngati simuli oyenerera kulandira thandizo, zikutanthauza kuti ndinu m'modzi mwa omwe amapeza ndalama zambiri kuti muyenerere kapena mumapeza "zokwanira" kuti muyenerere kulandira mapindu monga masitampu a chakudya koma "zochepa kwambiri" kuti mukhale ndi moyo mwezi uliwonse.
Ngati mugwera m'magulu aliwonse a mfundozi, mutha kulumikizana ndi mipingo, mabungwe, pakagwa vuto lazachuma. mabungwe achifundo ndi ammudzi kuti adziwe ngati angapereke chithandizo chanthawi yochepa.
Kuyimba 2-1-1 kuti muthandizidwe ndi chakudya, pogona, ntchito, chisamaliro chaumoyo, upangiri, kapena nthawi iliyonse yomwe mukufuna thandizo pakulipira ngongole yanu ingakhale njira yabwino kugwiritsa ntchito. Chonde dziwani kuti, ntchito ya 2-1-1 ikupezeka 24/7.
Kuonjezera apo, ndalama zambiri za boma kwa amayi osakwatiwa zimakhala zosakhalitsa, choncho kudalira okha sikuli bwino - m'malo mwake, yesetsani kukhala odzidalira kuti muthe kuthandiza banja lanu nokha.
3. Kodi Mayi Amene Ali Okwatiwa Angapeze Thandizo Losamalira Ana?
Amayi olera ana olera ana olera ana atha kupeza chithandizo chotere pogwiritsa ntchito pulogalamu ya Child and Dependent Care Credit Programme ndi ngongole ya msonkho yomwe mungalandire pamisonkho yanu yamisonkho.
Bungwe la Child Care Access Means Parents in School Programme (CCAMPIS) limathandizira amayi omwe akulera okha ana omwe akufuna maphunziro ndipo akufunika chithandizo chosamalira ana.
4. Kodi Munthu Angapemphe Bwanji Ndalama Zothandizira?
Choyamba, muyenera kudziwa ngati ndinu oyenera kulandira thandizoli lomwe mukufuna kufunsira. Kuyenerera kumakhudza kwambiri banja lanu kapena ndalama zanu.
Mukakumana ndi ndalama zomwe zimafunikira, ndiye kuti mwina malo okhala angafunikire kufufuzidwa. Ndikwabwino kuyang'ana zopereka zotere zomwe zikupezeka kudera lomwe mukukhala.
Ngati mukwaniritsa zofunikira zonse, ndiye kuti muyenera kutsatira zomwe zalembedwa mu fomu yofunsira. Izi mutha kuzipeza patsamba lovomerezeka la thandizoli kapena kuofesi yakumaloko.
Mndandanda wa Ndalama Zothandizira Kuvutika kwa Amayi Olera Okha
1. Ndalama Zowonjezera Folo
Pell Grant ndiye pulogalamu yayikulu kwambiri yaku America yothandizira ophunzira. Amapereka ndalama zokwana $6,495 kwa ophunzira osowa kwambiri kuti apite ku koleji.
Thandizo lotengera zosowazi limapatsa amayi olera okha ana omwe alibe ndalama zochepa mwayi "wobwerera kusukulu" ndikuyambiranso ntchito. Simufunikanso kubweza ndalamazi chifukwa ndi zaulere.
Chinthu choyamba choti muchite pofunsira Pell Grant ndikumaliza Kufunsira Kwaulere kwa Federal Student Aid (FAFSA). Tsiku lomaliza la kutumiza ndi June 30 chaka chilichonse kapena koyambirira kwa Okutobala 1 chisanachitike chaka chomwe mukufuna thandizo.
2. Federal Supplemental Education Opportunity Grant
Izi ndizofanana ndi Pell Grant, FSEOG monga momwe imatchulidwira kwambiri, ndi mtundu wa thandizo lowonjezera lomwe limaperekedwa kwa ophunzira omwe ali ndi "chofunikira kwambiri" cha thandizo lazachuma monga momwe FAFSA yatsimikizira.
Chofunika kwambiri chimaperekedwa kwa omwe ali ndi ndalama zotsika kwambiri zomwe zimayembekezeredwa kwa banja (EFC) ndi omwe apindula kapena akupindula ndi Pell Grant.
Ophunzira oyenerera atha kupatsidwa ndalama zowonjezera kulikonse pakati pa $100 ndi $4,000 pachaka kutengera kukula kwa zosowa zawo komanso kupezeka kwa ndalama.
3. Federal Work-Study Grant
Federal Work-Study (FWS) ndi pulogalamu yothandizira ndalama yoperekedwa ndi boma yomwe imapatsa ophunzira omwe ali ndi kholo limodzi njira yopezera ndalama pogwira ntchito yaganyu pasukulu kapena kunja kwa sukulu, makamaka m'gawo lomwe amaphunzira.
Ophunzirawa amatha kugwira ntchito mpaka maola 20 pa sabata ndikulandira malipiro a mwezi uliwonse malinga ndi malipiro a ola limodzi, omwe angagwiritse ntchito pa maphunziro.
Komabe, njira imeneyi ingagwire ntchito kokha ngati inu (kholo) muli ndi ndalama zochepa zopezera zofunika pa moyo ndipo muli ndi chithandizo cha banja kuti mukwaniritse zosowa za mwana wanu.
4. Kuthandiza Kwanthawi Yochepa kwa Mabanja Osowa (TANF)
TANF ndi gawo lofunika kwambiri lachitetezo cha mabanja omwe ali ndi ndalama zochepa. Cholinga chake chachikulu ndikuthandiza mabanja amtunduwu kuti azitha kudzidalira pophatikiza thandizo lanthawi yochepa lazachuma komanso mwayi wogwira ntchito.
Pali mitundu iwiri ya thandizo la TANF. Ndi thandizo la “ana okha” ndi “banja”.
Ndalama zothandizira ana okha, zidapangidwa kuti zizingoganizira zofuna za mwanayo. Ndalamayi nthawi zambiri imakhala yaying'ono poyerekeza ndi ndalama zapabanja, pafupifupi $8 patsiku kwa mwana m'modzi.
Mtundu wachiwiri wa thandizo la TANF ndi "chithandizo cha banja. Ambiri amaona kuti thandizoli ndi thandizo losavuta kupeza.
Amapereka ndalama pang'ono pamwezi pazakudya, zovala, pogona ndi zinthu zina zofunika - mpaka zaka 5, ngakhale kuti m'maiko ambiri muli malire a nthawi yayitali.
Mayi yemwe alibe ntchito, yemwe ali ndi ana osapitirira zaka 19, ndiye woyenera kulandira thandizoli. Komabe, wolandirayo akuyenera kutenga nawo mbali pazantchito kwa maola osachepera 20 pa sabata.
5. Msonkho Wophunzira Wophunzira
Kwa amayi omwe akulera yekha ana omwe akufunika thandizo lochulukirapo kuposa thandizo la Pell kuti abwerere kusukulu, ayenera kupempha ngongole za ophunzira - zothandizidwa kapena zosathandizidwa. Nthawi zambiri amaperekedwa ngati gawo la ndalama zonse zothandizira ndalama.
Ngakhale iyi ndi njira yochepetsera chithandizo chandalama, ngongole za ophunzira ku federal zimalola mayi wosakwatiwa kubwereka ndalama ku koleji pa chiwongola dzanja chomwe chili chotsika kuposa ngongole zachinsinsi. Ubwino wina wangongoleyi ndikuti mutha kuyimitsa chiwongola dzanja mpaka mutamaliza maphunziro anu.
Monga momwe zimakhalira ndi thandizo la ophunzira ambiri ku federal, muyenera kulembetsa kaye a FAFSA.
6. Diversion Cash Assistance (DCA)
Diversion Cash Assistance (DCA), imadziwikanso kuti Emergency Cash Assistance. Limapereka chithandizo china kwa amayi osakwatiwa panthaŵi zangozi. Nthawi zambiri amakhala kulipira kamodzi m'malo mwa mapindu owonjezera.
Mabanja omwe ali oyenerera atha kulandira thandizo lanthawi imodzi mpaka $1,000 kuti athe kuthana ndi vuto ladzidzidzi kapena laling'ono. Ndalamazi zingasiyane malinga ndi kuopsa kwa mavuto azachuma.
7. Pulogalamu Yowonjezera Yopatsa Thanzi (SNAP)
Cholinga cha SNAP, yomwe kale inkadziwika kuti Food Stamp, ndikupereka chakudya chotsika mtengo komanso chathanzi kwa mabanja osowa kwambiri, omwe ambiri amalandira ndalama zochepa.
Kwa ambiri mwa anthu osauka aku America, SNAP yakhala njira yokhayo yothandizira ndalama zomwe amalandira.
Thandizo limeneli limabwera ngati khadi la debit (EBT) limene wolandira angagwiritse ntchito pogula zinthu za golosale m'sitolo iliyonse imene akutenga nawo mbali m'dera lawo.
Kodi mukufunikira kulembetsa pulogalamu ya Supplemental Nutrition Assistance Program (SNAP)? Muyenera kupeza fomu yomwe muyenera kulemba ndikubwerera ku ofesi ya SNAP yakudera lanu, kaya inu nokha, kudzera pa imelo, kapena pa fax.
8. Pulogalamu ya Amayi, Makanda ndi Ana (WIC)
WIC ndi ndondomeko ya zakudya zothandizidwa ndi federal zomwe zimapereka chakudya chaulere chaulere kwa amayi apakati, amayi atsopano ndi ana osakwana zaka 5, omwe angakhale "pangozi ya zakudya".
Ndi pulogalamu yanthawi yochepa, yomwe olandira amalandila zopindula kwa miyezi isanu ndi umodzi mpaka chaka. Patapita nthawi, ayenera kubwereza.
M'mwezi, amayi omwe ali mu pulogalamuyi amalandira $ 11 pamwezi pazipatso ndi ndiwo zamasamba zatsopano, pamene ana amalandira $ 9 pamwezi.
Kuphatikiza apo, pali $105 yowonjezera pamwezi kwa mayi wosakwatiwa wa ana awiri.
Kuyenerera kumatsimikiziridwa ndi chiopsezo cha zakudya ndi ndalama zomwe zimagwera pansi pa 185% ya umphawi koma m'mayiko ambiri, chofunika kwambiri chidzaperekedwa kwa olandira TANF.
9. Pulogalamu Yothandizira Kusamalira Ana (CCAP)
Pulogalamuyi imathandizidwa mokwanira ndi Child Care and Development Block Grant, CCAP. Ndi pulogalamu yoyendetsedwa ndi boma yomwe imathandizira mabanja omwe amapeza ndalama zochepa kulipira zosamalira ana akugwira ntchito, kufunafuna ntchito kapena kupita kusukulu kapena maphunziro.
Mabanja omwe akulandira chithandizo chosamalira ana amafunidwa ndi mayiko ambiri kuti apereke ndalama zothandizira ana awo, kutengera chiwongola dzanja chomwe chimapangidwira kuti azilipira ndalama zolipirira mabanja omwe ali ndi ndalama zambiri.
Chonde dziwani kuti malangizo oyenerera amasiyana malinga ndi mayiko koma nthawi zambiri, ndalama zomwe mumapeza siziyenera kupitilira malire omwe akhazikitsidwa ndi komwe mukukhala.
10. Child Care Access Means Parents in School Programme (CCAMPIS)
Nayi thandizo lina lamavuto lomwe likubwera lakhumi pamndandanda wathu. The Child Care Access Means Parents in School Programme, ndiye pulogalamu yokhayo ya federal yoperekedwa popereka chisamaliro cha ana ophunzirira makolo omwe amapeza ndalama zochepa m'maphunziro a sekondale.
Cholinga cha CCAMPIS ndicho kuthandiza makolo omwe amapeza ndalama zochepa omwe amafunikira thandizo la chisamaliro cha ana kuti apitirize sukulu ndi kumaliza digiri ya koleji. Olembera nthawi zambiri amakhala ambiri kotero muyenera kukhala pamndandanda wodikirira.
Zofunsira zimaganiziridwa kaamba ka chithandizo cha chisamaliro cha ana kupyolera mwa ndalama za CCAMPIS pamaziko a izi: mkhalidwe woyenerera, ndalama zandalama, zosoŵa, zothandizira, ndi milingo ya zopereka zabanja.
11. Dipatimenti ya Federal Department of Housing and Urban Development (HUD)
Dipatimentiyi ndi yomwe imayang'anira thandizo la nyumba kudzera m'ma voucha a Gawo 8, pulogalamu yomwe cholinga chake ndi anthu omwe amapeza ndalama zochepa. Mabungwe anyumba aboma akugawira ma voucha awa omwe amagwiritsidwa ntchito kuthandizira kulipira lendi panyumba zomwe zimakwaniritsa miyezo yochepa yaumoyo ndi chitetezo.
Ndalama zomwe olembetsa amapeza siziyenera kupitilira 50% ya ndalama zapakhomo zapakati pagawo lomwe akufuna kukhala. Komabe, 75% ya omwe amalandira thandizo amakhala ndi ndalama zomwe sizidutsa 30% ya amderali. Kuti mumve zambiri zokhudza thandizoli, funsani mabungwe anyumba zapagulu lanu kapena ofesi ya HUD yapafupi.
12. Ndondomeko Yothandizira Panyumba Yopeza Ndalama Zochepa
Kudula kwa ndalama zothandizira kungayambitse vuto kwa amayi ena osakwatiwa. Koma musade nkhawa ngati muli ndi vuto ili chifukwa, thandizo la mphamvu zapanyumba zotsika ndi pulogalamu yomwe imapereka chithandizo chandalama kwa mabanja omwe amapeza ndalama zochepa.
Thandizo lazachumali ndi gawo la ndalama zomwe zimaperekedwa pamwezi zomwe zimaperekedwa mwachindunji kukampani yogwiritsira ntchito pulogalamuyi. Chifukwa chake inu ngati amayi osakwatiwa mutha kufunsira thandizoli ngati ndalama zomwe mumapeza sizikupitilira 60% ya ndalama zapakatikati.
13. Dongosolo La Inshuwaransi ya Ana
Inshuwaransi yaumoyo wa ana ndi thandizo lina lamavuto lomwe likupezeka kuthandiza amayi omwe akulera okha ana. Pansi pa pulogalamuyi, ana osatetezedwa mpaka zaka 19 adzalandira inshuwaransi yazaumoyo. Pulogalamuyi makamaka kwa iwo amene sangakwanitse kugula payekha Kuphunzira. Inshuwaransi iyi ili ndi izi: kuyendera dokotala, katemera, mano, kukula kwa maso. Pulogalamuyi ndi yaulere ndipo amayi osakwatiwa atha kulembetsa nawo pulogalamuyi.
14. Ndondomeko Yothandizira Weather
Thandizo la Weatherization ndi pulogalamu ina yabwino yomwe imathandiza anthu omwe amapeza ndalama zochepa, pamenepa amayi omwe ali okha. Ndithudi, mumadya mphamvu zochepa chifukwa mumadalira gwero lachilengedwe la mphamvu. Pansi pa pulogalamuyi, amayi okalamba ndi olera okha ana omwe ali ndi ana amaika patsogolo kwambiri. Ngati ndalama zanu zili pansi pa 200% ya umphawi, mudzakhala oyenerera kulandira chithandizochi.
15. Medicaid Health Inshuwalansi Kwa Osauka
Amayi olera ana olera ana amapeza ndalama zochepa ndipo sangakwanitse kugula inshuwaransi iliyonse yachipatala. Pamenepa, thandizoli limapereka chithandizo chandalama kwa mabanja omwe amapeza ndalama zochepa komanso amayi omwe akulera okha ana. Medicaid ndi ya anthu osauka kwambiri komanso anthu okalamba. Chifukwa chake, Medicaid iyi ikhoza kukhala njira ina yabwino kwa amayi osakwatiwa kuti alandire chithandizo chamankhwala kwaulere.
Malo Amayi Osakwatiwa Atha Kusankha Thandizo Lazachuma pambali pa Ndalama za Federal
1. Child Support
Monga mayi amene akulera yekha ana, simungaganize mwamsanga kuchirikiza ana monga magwero a chithandizo. Chifukwa nthawi zambiri, zolipira zimakhala zosagwirizana kapena ayi. Koma iyi ndi gwero lofunikira la chithandizo chomwe muyenera kufunafuna chifukwa ngati mayi wosakwatiwa, kuti mupindule ndi magwero ena aboma. Uku ndi kuyenerera kumodzi osati mayi aliyense amene amadziwa.
Izi zili choncho chifukwa boma likufuna kuti ogwirizana nawo azachuma aperekepo ndalama lisanapereke chithandizo chamtundu uliwonse. Ichi ndi chimodzi mwazinthu zabwino kwambiri zothandizira ndalama kwa amayi osakwatiwa.
2. Anzanga ndi Banja
Tsopano, abale ndi abwenzi ndi gulu limodzi la anthu omwe sayenera kunyalanyazidwa panthawi yamavuto. Iwo angakhale ofunitsitsa kukuthandizani kuthetsa vuto linalake la kanthaŵi, monga ngati kulipirira galimoto kapena kukonza nyumba mosayembekezera kapena kukuthandizani kusamalira mwana wanu pamene mukugwira ntchito yachiŵiri kapena kuchepetsa chisamaliro cha ana.
Ngati makolo anu akadali ndi moyo, angaperekenso chisamaliro chowonjezereka cha ana pa ntchito kwa maola owonjezera angapo. Koma zonsezi zimachokera ku mgwirizano wabwino. Muyenera kukhala paubwenzi wabwino ndi achibale anu komanso anzanu kuti akuthandizeni pamene mukuwafuna.
3. Mabungwe a Mayiko
Sitinganyalanyaze mfundo yoti pali mabungwe ammudzi monga mipingo, mabungwe achipembedzo, ndi mabungwe omwe siaboma omwe amapereka chithandizo kwa osowa. Mumalumikizana nawo ndipo akhoza kukupatsani chithandizo chomwe mukufuna kapena kukulozani zantchito zina mdera lanu. Awanso ndi amodzi mwa malo omwe amayi osakwatiwa angasankhire chithandizo.
4. Zakudya Zamakono
Ichi ndi gwero lina lothandizira ndi njira yopezera chakudya m'deralo. Amatchedwanso "nkhokwe za chakudya". Momwe zimagwirira ntchito ndikupereka zakudya zofunika kwambiri monga pasitala, mpunga, masamba am'chitini, ngakhale zimbudzi zina.
Nthawi zambiri, mabanki azakudya amakhala ndi zinthu zosawonongeka, koma ena amaperekanso mkaka ndi mazira. Patchuthi, zakudya zopangira zakudya zimatha kuperekanso ma turkeys kapena nkhumba yozizira.
Pomaliza
Azimayi olera ana olera ana safunika kuvutika akakumana ndi mavuto, chifukwa ndi pamene akufunika thandizo. Mwamwayi pali ndalama zochokera ku boma komanso kwa anthu wamba kapena mabungwe omwe ali otsegukira amayi olera okha ana. Zomwe muyenera kuchita ndikufunafuna thandizoli ndikufunsira. Komabe, musaiwale kupempha thandizo kwa achibale ndi anzanu.