Vanhu pasi rese vanga vachitsvaga rubatsiro rwekuomerwa kwavanaamai vasina varume uye nzira yavanogona kuwana nayo kuti vararame munguva dzakaoma dziri kutonga izvozvi.
Magrants rubatsiro rwemari rwunopihwa kazhinji nehurumende (yakazvimirira vega/vanhu vanokwanisawo kupa rubatsiro) kubatsira vanhu vanotambira mari shoma. Asi tisati taenderera mberi tichinyora mishoma yerubatsiro urwu, pane mimwe mibvunzo inowanzo bvunzwa naamai vasina murume panyaya dzine chekuita nerubatsiro uye kuti votsvaga sei rubatsiro ruchienderera mberi.
Tichakurukura mibvunzo yakadaro munyaya ino.
Sezvizhinji zverubatsiro rwakanyorwa pano zvine chekuita nehurumende yeUS, hazvireve kuti rubatsiro rwakadai haruna munyika dzedu. Vanoita uye vanogona kupihwa rimwe zita munyika dzakadaro.
Zvakare, kunyorera kana kubatsirwa nerubatsiro handiyo yega sarudzo inowanikwa kune vanaamai vasina murume kana paine matambudziko emari. Pane dzimwe sarudzo dzavanogona kusarudza kubva uye isu tichanyora kunze idzi sarudzo zvakare muchinyorwa chino.
Zviri Mukati
Mibvunzo Inowanzo Kubvunzwa Nezve Kuomerwa Grant kweVanaamai Vasina Varoora
1. Ndokupi Kwandingawana Rubatsiro SeNdiri Sina Amai?
Iwe unogona kunyorera Federal zvemari ma grants aripo uye mamwe ma grants emuno. Aya ma grants anokubatsira kubhadhara mabhiri ako uye kuchengetedza imwe mari pamitero yako.
2. Zvakadini Kana Ndisingakodzeri Kupiwa Zvipo?
Kana usingakodzere kuwana rubatsiro, zvinoreva kuti uri pakati peavo vanotambira mari yakawanda kuti vakwanise kana kuti iwe unowana “zvakangokwana” kuti uwane mabhenefiti akadai sezvitambi zvechikafu asi “zvishoma” zvekurarama nazvo mwedzi wega wega.
Kana ukawira mune chimwe chezvikamu izvi, unogona, kana paine dambudziko remari, kubata makereke ekwaunogara, masangano. masangano anobatsira uye masangano enharaunda kuti vaone kana vachikwanisa kupa rumwe rudzi rwerubatsiro rwechinguvana.
Kufonera 2-1-1 kuti ubatsirwe nechikafu, pekugara, basa, hutano, kuraira, kana chero nguva yaunoda rubatsiro kubhadhara mabhiri ako inogona kuve sarudzo yakanaka yekushandisa. Ndokumbira utarise kuti, iyo 2-1-1 sevhisi inowanikwa 24/7.
Mukuwedzera, zvizhinji zvezvipo zvehurumende zvevanaamai vasina kuroorwa ndezvenguva pfupi, saka kuvimba navo chete haisi pfungwa yakanaka - pane kudaro, edza kuzvimiririra kuitira kuti ugone kutsigira mhuri yako iwe pachako.
3. Amai Vamwechete Vanogona Kuwana Rubatsiro Nekuchengeta vana?
Vanaamai vasina varume vanogona kuwana rubatsiro rwakadaro vachishandisa Child and Dependent Care Credit chirongwa chikwereti chemutero chaungagamuchire pamutero wako wemubatanidzwa.
Chirongwa cheChild Care Access Means Parents in School Programme (CCAMPIS) chinobatsira vanaamai vasina varume vari kutsvaga dzidzo uye vanoda rubatsiro rwekuchengeta vana.
4. Munhu Anganyorera Sei Rubatsiro?
Chekutanga pane zvese, iwe unofanirwa kuziva kana uchikodzera kuwana iyi rubatsiro yaunoda kunyorera. Kukodzera kuri kunyanya nezvemhuri yako kana mamiriro ako emari.
Kana wangosangana nemamiriro emari anodiwa, saka pamwe mamiriro ekugara angangofanira kutariswa. Zvakachengeteka kutsvaga rubatsiro rwakadai rwunowanikwa mudunhu raunogara.
Kana iwe ukasangana nezvose zvinodiwa, saka iwe unofanirwa kutevedzera maitiro akanyorwa pasi mufomu rekunyorera. Izvi unogona kuwana kubva kune yepamutemo webhusaiti yerubatsiro kana hofisi yemuno.
Rondedzero Yezvipo Zvekuomerwa Kwevanaamai Vasina Varoora
1. Federal Pell Grant
Pell Grant ndicho chirongwa chikuru chemuAmerica chekubatsira vadzidzi. Inopa magrants anosvika $6,495 kuvadzidzi vanoshaya kuti vaende kukoreji.
Ichi chinodiwa chinopihwa chinopa vanaamai vasina murume mari shoma mukana we "kudzokera kuchikoro" uye kupindazve pabasa. Haufanire kudzosera mari iyi nekuti ndeyemahara.
Nhanho yekutanga kutora mukunyorera Pell Grant ndeyekuzadzisa Chikumbiro Chemahara cheFederal Student Aid (FAFSA). Nguva yekupedzisira yekutumira ndiChikumi 30 gore rega rega kana kutanga kwaGumiguru 1 inotangira gore raunoda rubatsiro.
2. Federal Supplemental Educational Opportunity Grant
Izvi zvakafanana nePell Grant, FSEOG sekudaidzwa kwainowanzoitwa, imhando yerubatsiro rwekuwedzera rwunopihwa vadzidzi vane "chido chikuru" cherubatsiro rwemari sezvakatemwa neFAFSA.
Kunyanya kupihwa kune avo vane yakaderera Inotarisirwa Mhuri Contribution (EFC) uye avo vakabatsirwa kana parizvino vari kubatsirwa nePell Grant.
Vadzidzi vanokodzera vanogona kupihwa mibairo yekuwedzera chero kupi pakati pemadhora zana nemadhora mana pagore zvichienderana nehukuru hwezvavanoda uye kuwanikwa kwehomwe.
3. Federal Work-Study Grant
Federal Work-Study (FWS) chirongwa cherubatsiro chemari chinopihwa nemubatanidzwa chinopa vadzidzi vane mubereki mumwe nzira yekuwana mari nekuita basa renguva-pfupi pachikoro kana kuti kunze kwekambasi, kunyanya munharaunda yavo yekudzidza.
Vadzidzi ava vanogona kushanda kusvika maawa makumi maviri pasvondo uye vowana mubhadharo wepamwedzi unoenderana nemuhoro weawa, wavanogona kushandisa mari yedzidzo.
Nekudaro, sarudzo iyi inoshanda chete kana iwe (mubereki) uine mari shoma yekugara uye uine rutsigiro rwemhuri kuzadzisa zvaunoda pakuchengeta mwana.
4. Yechinguva Rubatsiro rwevanoshaya Mhuri (TANF)
TANF chikamu chakakosha chekuchengetedza mambure emhuri dzine mari shoma. Chinangwa chayo chikuru ndechekubatsira rudzi urwu rwemhuri kuwana kuzviriritira kuburikidza nemusanganiswa werubatsiro rwemari kwenguva pfupi nemikana yebasa.
Kune marudzi maviri eTANF grants. Ndivo vanopihwa “vana chete” uye “vemhuri”.
Zvipo zvevana chete, zvakagadzirirwa kutarisa zvinodiwa nemwana chete. Mari iyi inowanzova diki pane inopihwa nemhuri, ingangoita madhora masere pazuva kumwana mumwe chete.
Rudzi rwechipiri rwerupo rweTANF “rupo rwemhuri. Vazhinji vanotora rubatsiro urwu serubatsiro rwuri nyore kuwana.
Inopa mari shoma pamwedzi yekudya, zvipfeko, pekugara uye zvimwe zvakakosha ― kweanosvika makore mashanu, kunyangwe paine mapfupi enguva mumatunhu mazhinji.
Vamwe amai vari voga vasingashande, vane vana vari pasi pemakore gumi nemapfumbamwe ekuberekwa ndivo vanokodzera kuwana rubatsiro urwu. Nekudaro, anogamuchira anosungirwa kutora chikamu mumabasa ebasa kweanosvika maawa makumi maviri pasvondo.
5. Federal Student Loan
Kuna amai vasina murume vanoda rubatsiro rwakawanda kupfuura rubatsiro rwaPell kuti vadzokere kuchikoro, vachada kunyorera chikwereti chemudzidzi - chingave cherubatsiro kana kusapihwa. Iwo anowanzo kupihwa sechikamu cheiyo yakazara yemari yekubatsira pasuru.
Kunyangwe iyi iri iyo nzira isingafadzike yerubatsiro rwemari, zvikwereti zvemudzidzi zvemubatanidzwa zvinobvumira amai vasina murume kukwereta mari yekoreji nemitengo yemubereko yakaderera pane zvikwereti zvakawanda zvepachivande. Imwe mukana wechikwereti ichi ndechekuti unogona kumisa kubhadhara mubereko kusvika wapedza kudzidza.
Sezvinei neruzhinji rwemubatanidzwa mudzidzi rubatsiro, iwe unofanirwa kutanga wanyorera a FAFSA.
6. Diversion Cash Assistance (DCA)
Diversion Cash Assistance (DCA), inozivikanwa zvakare seEmergency Cash Assistance. Inopa kumwe rubatsiro kumadzimai ari oga munguva dzenjodzi. Inowanzo kubhadhara-kamwe chete pachinzvimbo chekuwedzera mari.
Mhuri dzinokodzera dzinogona kuwana rubatsiro rwenguva imwe chete rwekusvika madhora zviuru zvekugadzirisa dambudziko rekukurumidzira kana diki. Mari iyi inogona kusiyana zvichienderana nekuoma kwedambudziko remari.
7. Supplemental Nutrition Rubatsiro Chirongwa (SNAP)
Chinangwa cheSNAP, yaimbozivikanwa seChikafu Chitambi chirongwa, ndechekupa chikafu chinodhura uye chine hutano kumhuri dzinoshaya, vazhinji vacho vari mari shoma.
Kune vazhinji vevarombo vekuAmerica, SNAP yave nzira yega yerubatsiro rwemari yavanowana.
Rubatsiro urwu rwunouya nenzira yekadhi rechikwereti (EBT) iro mugamuchiri anogona kushandisa kutenga zvinhu zvegirosari mune chero chitoro chiri kutora chikamu mukati memunzvimbo yavo.
Iwe une chido chekunyorera cheSupplemental Nutrition Assistance Program (SNAP)? Iwe uchafanirwa kuwana fomu raunofanirwa kuzadza uye wodzokera kuhofisi yeSNAP yemunharaunda, ungave iwe pachako, netsamba, kana nefax.
8. Chirongwa chevakadzi, vacheche nevana (WIC)
WIC chirongwa chemubatanidzwa chinotsigirwa nemari chinopa chikafu chemahara kune vakadzi vane pamuviri, vanaamai vatsva uye vana vari pasi pemakore mashanu, avo vanogona kunge vari "panjodzi yekudya".
Icho chirongwa chenguva pfupi, nevanogamuchira vachiwana mabhenefiti kwemwedzi mitanhatu kusvika pagore. Mushure mekunge nguva yapera, vanofanirwa kunyorera zvakare.
Mumwedzi, madzimai ari muchirongwa ichi vanowana madhora gumi nerimwe pamwedzi yemuchero nemiriwo mitsva, ukuwo vana vachiwana madhora mapfumbamwe pamwedzi.
Pamusoro pezvo, kune imwezve $105 pamwedzi yekuna amai vasina varume vaviri.
Kukodzera kunotarwa nenjodzi yekudya uye mihoro inowira pasi pe185% yehurombo asi mumatunhu mazhinji, zvakakosha zvichapihwa kune vanogamuchira TANF.
9. Child Care Assistance Program (CCAP)
Chirongwa ichi chinotsigirwa zvizere neChild Care and Development Block Grant, CCAP. Ichi chirongwa chinotungamirwa nehurumende chinobatsira mhuri dzine mari shoma kubhadhara kuchengetwa kwevana pavanenge vachishanda, vachitsvaga basa kana kuenda kuchikoro kana kudzidziswa.
Mhuri dzinowana rubatsiro rwekuchengeta vana dzinodiwa nenyika zhinji kuti dzipe mari yekuchengeta vana, zvichibva pachiyero chemubhadharo chakagadzirirwa kubhadharisa mari yekubhadhara yakakwira kumhuri dzine mari yakakwira.
Ndokumbira utarise kuti nhungamiro yekukodzera inosiyana kubva kune imwe nyika kuenda kune imwe nyika asi kazhinji, mari yaunowana haifanirwe kunge yakakura kupfuura muganho wemari wakatarwa nenzvimbo yaunogara.
10. Kuwana Kuchengetwa Kwevana Kunoreva Vabereki Muchikoro Chirongwa (CCAMPIS)
Heino imwe rubatsiro rwekuomerwa rwunouya rwegumi pane yedu runyorwa. Kuwana Kuchengetwa Kwevana Kunoreva Vabereki muChikoro Chirongwa, ndicho chega chirongwa chemubatanidzwa chakatsaurirwa mukupihwa kwekuchengetwa kwevana kwekambasi kuvabereki vanotambira mari shoma mudzidzo yepasecondary.
CCAMPIS ine chinangwa chekubatsira vabereki vanotambira mari shoma vanoda rubatsiro rwekuchengeta vana kuitira kuti varambe vari pachikoro uye vapedze dhigirii rekukoreji. Vanyoreri vanowanzo nyanya saka iwe uchafanirwa kupinda pane yekumirira runyorwa.
Zvikumbiro zvinotariswa zverubatsiro rwekuchengeta vana kuburikidza nerubatsiro rweCCAMPIS pahwaro hwezvinotevera: chimiro chekukodzera, mari inowaniswa, zvinodiwa, zviwanikwa, uye mwero wemipiro yemhuri.
11. Iyo Federal Dhipatimendi Rekugara uye Urban Development (HUD)
Bazi iri ndiro rinoona nezverubatsiro rwedzimba kuburikidza nemavhocha edzimba eSection 8, chirongwa chakanangana nevanhu vanotambira mari shoma zvikuru. Masangano edzimba dzeveruzhinji anogovera aya mavhocha ayo anoshandiswa kubatsira kubhadhara rendi padzimba dzinosangana nehushoma hwehutano nekuchengetedzwa.
Mari yevanyoreri haifanire kudarika 50% yemari yepakati yemhuri yenzvimbo yavanoda kugara. Zvisinei, 75% yeavo vanowana rubatsiro vane mihoro isingapfuuri 30% yenzvimbo yepakati. Kuti uwane rumwe ruzivo nezve rupo urwu, taura neveko veparuzhinji vedzimba kana hofisi yeHUD yemuno.
12. Yakaderera Inotambira Imba Simba Rubatsiro Chirongwa
Mari yekushandisa inogona kuunza sedambudziko kune vamwe vanaamai vasina murume. Asi haufanirwe kunetseka kana uine nyaya iyi nekuti, rubatsiro rwesimba repamba remari shoma chirongwa chinopa rubatsiro rwemari kumhuri dzine mari shoma.
Rutsigiro rwemari urwu chikamu chebhiri remwedzi wekushandisa rinobhadharwa zvakananga kukambani yekushandisa nechirongwa ichi. Saka iwe sevanaamai vasina murume unokwanisa kunyorera rubatsiro urwu kana mari yako isingadariki makumi matanhatu muzana emari yepakati.
13. Yevana Hutano Inishuwarenzi Chirongwa
Inishuwarenzi yehutano yevana ndeimwe rubatsiro rwekuomerwa rwuripo kubatsira vanaamai vasina varume. Pasi pechirongwa ichi, vana vasina inishuwarenzi vanosvika makore gumi nemapfumbamwe ekuberekwa vachawana inishuwarenzi yehutano. Chirongwa ichi chakanyanya kune avo vasingakwanise kutenga zvakavanzika zvekuvhara. Inishuwarenzi iyi inosanganisira zvinotevera: kushanya kwachiremba, kubaiwa, mazino, uye kukura kwemaziso. Iyi purogiramu ndeyemahara uye amai vasina murume vanogona kunyorera chirongwa ichi.
14. Weatherization Rubatsiro Chirongwa
Weatherization rubatsiro chimwe chirongwa chakanaka chinobatsira vanhu vane mari shoma, munyaya iyi vanaamai vasina varume. Zvirokwazvo, iwe unopedza simba shoma nekuti unovimba nekwakasikwa kwesimba. Pasi pechirongwa ichi, vachembera uye vanaamai vasina varume vane vana vanonyanya kukoshesa. Kana mari yako iri pasi pe200% yehurombo, iwe uchave wakakodzera kuwana rubatsiro urwu.
15. Medicaid Health Inishuwarenzi Kune Varombo
Vanaamai vasina varume vane mari shoma uye havakwanisi kutenga chero inishuwarenzi yekurapwa. Mumamiriro ezvinhu aya, rubatsiro urwu runopa rubatsiro rwemari kumhuri dzine mari shoma uye vanaamai vasina varume zvakare. Medicaid ndeyevanhu varombo uye vanhu vakura. Saka, iyi Medicaid inogona kuve imwe sarudzo yakanaka yekuti vanaamai vasina murume vawane rubatsiro rwekurapwa mahara.
Nzvimbo Vanaamai Vamwechete Vanogona Kurongera Rubatsiro Rwemari parutivi rweFederal Grant
1. Child Support
Saamai vari voga, ungasakurumidza kufunga nezvokutsigira kwomwana semanyuko ebetsero. Nekuti nguva zhinji, mubhadharo hauenderane kana kuti hausi zvachose. Asi iyi ndiyo sosi yakakosha yerubatsiro yaunofanirwa kutsvaga nekuti saamai vasina murume, kubatsirwa kubva kune mamwe masosi ehurumende erubatsiro. Uku ndiko kukodzera kumwe kwete vese amai vasina murume vanoziva nezvazvo.
Izvi zvinodaro nekuti hurumende inoda kuti shamwari yayo yezvemari ibatsire nemari isati yapa chero rubatsiro. Iyi ndiyo imwe yeakanakisa sosi yerubatsiro rwemari kune single moms.
2. Shamwari uye Mhuri
Zvino, mhuri neshamwari chimwe chikamu chevanhu chisingafanirwe kuregeredzwa munguva dzekushaiwa. Vangada kukubatsira kukurira chipingamupinyi chechinguvana, chakadai sokubhadharira motokari kana kuti kugadziriswa kweimba usingatarisirwi kana kuti kukubatsira kutarisira mwana wako paunenge uchiita rimwe basa rechipiri kana kuderedza kutarisira mwana.
Kana vabereki vako vachiri vapenyu, vanogonawo kupa kumwe kuchengetwa kwomwana panguva yebasa kwemaawa mashoma okuwedzera. Asi izvi zvese zvinowira pasi muhukama hwakanaka. Iwe unofanirwa kuva nehukama hwakanaka nemhuri yako neshamwari kuitira kuti vagone kukubatsira paunenge wavakuda.
3. Community Organizations
Hatingaregeredze chokwadi chekuti kune masangano emunharaunda akadai semakereke emunharaunda, masangano ezvinamato, uye NGOs anopa rubatsiro kune avo vanoshaya. Iwe unopinda vakadaro navo uye vanogona kukupa rubatsiro rwaunoda kana kukunongedzera kune mamwe masevhisi munharaunda yako. Iyi zvakare imwe yenzvimbo dzinogona kurongwa naamai vasina murume kuti vabatsirwe.
4. Food Pantries
Iyi ndiyo imwe tsigiro yerubatsiro inzvimbo inopihwa chikafu chemuno. Vanonziwo "mabhangi ezvokudya". Mashandiro azvinoita nekupa chikafu chakakosha senge pasta, mupunga, muriwo wemumagaba, uye zvimwe zvekugezesa.
Nguva zhinji, mabhangi echikafu anongogumira kune zvisiri-kuparara, asi mamwe anopawo mukaka nemazai. Munguva yezororo, chikafu chekudya chinogona kupawo turkeys kana chando chenguruve.
Mhedziso
Vanaamai vasina varume havafaniri kutambura munguva dzakaoma, nokuti ndipo pavanenge vachida kubatsirwa. Sezvineiwo kune rubatsiro kubva kuhurumende uye zvakare kubva kune vanhu vakazvimirira kana masangano akavhurirwa vana mai vasina murume. Zvese zvaunofanirwa kuita kutsvaga ma grants aya uye wonyorera. Zvisinei, usakanganwa kutsvaga rubatsiro kubva kumhuri neshamwari zvakare.
