Indlela Yokunikela Ngezimali Ukuqeqeshwa Kwakho Kokushayela Indiza: Izinketho Ezihlakaniphile Zabashayeli Bamabhanoyi Abazayo

Ngingathola umfundaze wokuqeqeshwa komshayeli wendiza e-USA?

Ukube imali ibingeyona into, indlela yokuba umshayeli wendiza ibingaba lula. Ubungabhalisela ukuqeqeshwa kusasa, kanjalo nezinkulungwane zabanye abanephupho elifanayo. Kodwa iqiniso lihlukile. Akekho oba umshayeli wendiza ngaphandle kokusebenzisa imali - eningi.

Kungakho, njengomshayeli wendiza osafufusa, kufanele uqonde ukuthi ungakuxhasa kanjani ukuqeqeshwa komshayeli wendiza yakho ngendlela enengqondo isikhathi eside. Isikole sendiza ingenye yezimali ezinkulu oyoke uzenze, futhi izinqumo ozenzayo manje ngeke zilolonge ukuqeqeshwa kwakho kuphela kodwa nekusasa lakho lezezimali.

Lo mhlahlandlela uhlola izindlela ezihlakaniphe kakhulu zokumboza izindleko zokuba umshayeli wendiza, kusukela ezikweletini ezizimele kanye nosizo lukahulumeni kuya emifundazweni kanye nezinhlelo ezixhaswa ngokugcwele. Ngokuhlela okulungile, iphupho lakho lokundiza lingafezeka futhi liqhubekele phambili.

Ukubaluleka Kwezezimali Ekuqeqesheni Kwakho Kokushayela Izindiza

Ezezimali zibaluleke kakhulu ekuqeqesheni umshayeli wendiza njengamahora endiza noma isikhathi sokulingisa. Zonke izigaba zokuba umshayeli wendiza ochwepheshe zidinga imali eningi, futhi ngokungafani neminye imisebenzi, lezi zindleko zilayishwa phambili. Awukwazi ukuqhubeka usuka ku-a Isitifiketi Somshayeli Wabafundi kuya ku Ilayisensi Yezentengiso Yezokuhweba (CPL) or Umshayeli Wendiza Yezokuthutha (ATP) ngaphandle kokuthola imali yokukhokhela ukuqeqeshwa.

Izindleko eziyinhloko zihlanganisa ukuqashwa kwendiza, isikhathi somfundisi, uphethiloli, izimali zokufika, isitifiketi sokwelashwa, izivivinyo ezibhaliwe ze-FAA, ukuhlola, nezinto zokufunda. Kuya ngokuthi uyaziqeqesha ngaphansi kweNgxenye 61 noma Ingxenye 141, isamba sokutshalwa kwezimali ngokuvamile sisukela $ 70,000 ku- $ 120,000. Ngaphandle kohlelo lwezezimali, abafundi abaningi bayeka ukuqeqeshwa okumaphakathi, okwandisa kuphela izindleko lapho amakhono ephela futhi kudingeka amahora engeziwe ukuze bathole amakhono.

Ukuxhaswa ngezimali okufanele kuqinisekisa ukuthi ungakwazi ukuhamba kancane esikoleni esiphansi, uqongelele amahora endiza ngaphandle kokuphazamiseka, futhi uqedele isilinganiso ngasinye ngesikhathi. Njengoba uxhaso oluhlelekile lukhona, uhlala ugxile ekwazini nasekuphepheni kunokuba ukhathazeke ngokuthi uzosikhokhela kanjani isifundo sakho esilandelayo.

I-Pilot Training Loans yabafundi bamazwe ngamazwe

Kubafundi bamazwe ngamazwe, ukuthola ukuthi ungakuxhasa kanjani ukuqeqeshwa kwakho komshayeli wendiza ngokuvamile kuyinselele enkulu yokuqeqeshwa. Iningi lemalimboleko yenhlangano yase-US ikhawulelwe kwizakhamizi noma izakhamuzi zaphakade, okusho ukuthi ama-cadet aphesheya kufanele athembele kubabolekisi abazimele, abasayini kanye nabo, noma ubambiswano lwezikole ukuze kukhokhelwe izindleko zokuqeqeshwa.

Amabhange amaningana nezikhungo ezibolekisayo zisebenza nabafundi bamazwe ngamazwe, kodwa eziningi zidinga umuntu osayine omunye ozinze e-US onekhredithi eqinile. Ngaphandle kwalokhu, ukufinyelela ekuxhaseni ngezimali kungaba nzima. Kungakho ukukhetha isikole esisekela abafaka izicelo bamazwe ngamazwe kubalulekile. I-Florida Flyers Flight Academy, siza abafundi baxhumane nababolekisi njenge Stratus Finance abasebenza ngokukhethekile ekusizeni abashayeli bezindiza abasafufusa futhi baqonde izidingo eziyingqayizivele ze F1 abanikazi be-visa.

Kuma-cadet amaningi, ukuhlanganisa imali mboleko yangasese nemifundaze noma uxhaso lomndeni kuyindlela enengqondo kakhulu. Ukuhlela kusengaphambili kuqinisekisa ukuthi unezinsiza zezimali zokuqedela ukuqeqeshwa ngaphandle kweziphazamiso. Kunoma ubani ofunda indlela yokuxhasa ngezimali ukuqeqeshwa kwakho komshayeli wendiza njengomfundi wamazwe ngamazwe, ukwakha isu elithembekile lokuxhasa ngemali kubaluleke kakhulu njengokukhetha isikole esifanele.

U-Sallie Mae Flight School loan

Phakathi kwababolekisi baseMelika, Sallie Mae ingenye yezinketho ezaziwa kakhulu. Uma ungumshayeli wendiza ofuna indlela yokukhokhela ukuqeqeshwa komshayeli wendiza? I Ukubolekwa kwe-Career Training Smart Option yakhelwe ngokukhethekile izinhlelo zokuqeqeshwa kochwepheshe, okuhlanganisa izikole zendiza ezigunyazwe yi-FAA. Kubafundi abaningi basekhaya, le mali ebolekiwe ihlinzeka ngendlela engokoqobo yokumboza izindleko eziphezulu zangaphambili zokuqeqeshwa kwezokundiza.

Okumbozwa yi-Sallie Mae Loan

• Ukuqashwa kwezindiza
• Izimali zomfundisi
• Imfundo yesikole samabanga aphansi
• Izimali zokuhlola nezivivinyo
• Izinto zokuqeqesha

Amandla emali mboleko ka-Sallie Mae ukuguquguquka. Ababoleki bangakwazi ukuhlehlisa izinkokhelo ngenkathi beqeqeshwa, okwenza kube nokwenzeka ukugxila ngokugcwele ekuqongeleleni amahora endiza kanye nokuqedela izilinganiso ngaphambi kokuthi kuqale izibopho zezimali.

Enye inzuzo ububanzi. Ngokungafani nemalimboleko yenjongo evamile, le nketho yakhelwe ukuqeqeshwa kochwepheshe, okusho ukuthi izimali zingasetshenziswa ngokuqondile ezindlekweni eziyinhloko zendiza. Lokhu kunikeza ama-cadet ukuzethemba kokuthi izindleko zawo, kusukela esikoleni samabanga aphansi kuya ekuhlolweni kwendiza, zisekelwa ngokugcwele.

Kubafundi abafunda indlela yokuxhasa ngezimali ukuqeqeshwa kwakho komshayeli wendiza, i-Sallie Mae ingenye yezixazululo ezisetshenziswa kakhulu e-US Umlando wayo omude ekuxhaseni ngezimali zezindiza kanye nokwamukelwa kwayo kuzo zonke izikole ezigunyazwe yi-FAA kuyenza ibe uzakwethu othembekile wabashayeli bezindiza bakusasa.

I-Wells Fargo Flight School loans

Wells Fargo bekungelinye lamabhange amakhulu ambalwa e-US ukunikeza imali mboleko yabafundi eqondiswe ngqo ekuqeqesheni umsebenzi nobuchwepheshe, okuhlanganisa nokundiza. Nakuba ezinye zezinhlelo zabo zokubolekwa kwemali zokuqeqeshwa kwendiza ezizinikele seziyekiwe, abashayeli bezindiza abaningi emashumini eminyaka adlule baxhasa ngezimali ingxenye yokuqeqeshwa kwabo nge-Wells Fargo, futhi umlando wayo wokuboleka kwezokundiza usaphawuleka. Kubafundi namuhla, ibhange lisahlinzeka ngezinketho zokubolekwa komuntu siqu kwesinye isikhathi ezingalungiselelwa izindleko zesikole sendiza.

Lokho Okubolekiwe Kwama-Wells Fargo

• Ukuqashwa kwezindiza
• Izimali zomfundisi
• Imfundo yesikole samabanga aphansi
• Izimali zokuhlolwa kwendiza
• Izindleko ezihlobene nokuqeqeshwa

Umehluko omkhulu no-Wells Fargo uma kuqhathaniswa noSallie Mae yisakhiwo. Esikhundleni semali mboleko eqondene nemfundo, u-Wells Fargo manje usencike kakhulu emalimboleko ejwayelekile yomuntu siqu,

okusho ukuthi izilinganiso zenzalo zingase zibe phezulu, futhi ukukhokha kuqala ngokushesha. Lokhu kungakwenza kube inselele kuma-cadet asebenza ngokugcwele angakaqashwa.

Kodwa-ke, imali ebolekiwe yakwa-Wells Fargo isengasebenza kubafundi abanomlando oqinile wesikweletu noma labo abasayine ngokubambisana. Zihlala ziyinketho ebonakalayo yabafundi basekhaya abazimisele ngokuthola uxhaso ngaphandle kwababolekisi abakhethekile.

Kulabo abacwaninga ukuthi bangakukhokhela kanjani ukuqeqeshwa kwakho komshayeli wendiza, i-Wells Fargo ingase ingabi inketho evumelana nezimo kakhulu namuhla, kodwa imele inketho okufanele ihlolwe, ikakhulukazi uma ihlanganiswe nezinye izindlela zezimali noma uxhaso oluyingxenye.

I-Federal Loans ye-Flight School

Uma kuziwa ekuqondeni ukuthi ungakuxhasa kanjani ukuqeqeshwa kwakho komshayeli wendiza, abafundi abaningi baqale bacabange ngakho imali yokubolekwa abafundi. Lezi mboleko zisetshenziswa kakhulu emfundweni ephakeme, kodwa ukutholakala kwazo ekuqeqesheni indiza yodwa kunqunyelwe. I-Federal aid ngokuvamile isebenza kuphela lapho ukuqeqeshwa kwendiza kuyingxenye yohlelo lweziqu ezigunyaziwe enyuvesi.

Izinhlelo ezifana ne-Embry-Riddle Aeronautical University, i-Purdue University, noma i-University of North Dakota zinikeza iziqu zezindiza lapho abafundi bengahlanganisa khona izifundo zezifundo nokuqeqeshwa kwezindiza. Kulezi zimo, imalimboleko yenhlangano kanye noxhaso lwe-FAFSA lungasetshenziswa, kodwa engxenyeni yezifundo zasenyuvesi kuphela. Izindleko zokuqeqesha indiza zivame ukukhokhiswa ngokwehlukana futhi zingase zidinge uxhaso lwangasese.

Kubashayeli bezindiza abasafufusa, lokhu kusho ukuthi usizo lukahulumeni lulodwa aluvamile ngokwanele. Uma uhlola ukuthi ungakuxhasa kanjani ukuqeqeshwa kwakho komshayeli wendiza nge-non-university flight academy, imali ebolekiwe yangasese, imifundaze, noma ababolekisi bendiza abazinikele ngokuvamile bayadingeka. Izimalimboleko zikahulumeni zingasekela ingxenye yohambo, kodwa aziklanyelwe ukumboza izindleko ezigcwele zokuqeqeshwa komshayeli wendiza ochwepheshe ngaphandle kwezikhungo zemfundo.

Ukuqeqeshwa Kwezindiza Okuxhaswe Ngokugcwele E-USA

Kwabanye abashayeli bezindiza abasafufusa, inketho ekhanga kakhulu yindlela exhaswa ngokugcwele. Esikhundleni sokuthatha isikweletu, abafundi bangathola uxhaso ngezindiza, inkonzo yezempi, noma izinhlelo zokufunda. Ukuhlola lawa mathuba kuyingxenye ebalulekile yokuqonda ukuthi ungakuxhasa kanjani ukuqeqeshwa kwakho komshayeli wendiza ngaphandle kokuthwala umthwalo ophelele wezezimali uwedwa.

Izinhlelo ze-cadet zezindiza zingomunye wemizila eyaziwa kakhulu exhaswa ngokugcwele. Izinkampani zenethiwekhi ngezikhathi ezithile zixhasa ukuqeqeshwa kwamakhandidethi akhethiwe ukuze azibophezele emsebenzini esikhathini esizayo. Yize lezi zinhlelo zincintisana kakhulu, zimele indlela eqondile esuka kumfundi eya endaweni yabashayeli bezindiza.

Inkonzo yezempi ingenye indlela, kodwa idinga ukuzibophezela kwesikhathi eside. I-US Air Force, Navy, kanye nabashayeli bezindiza bezitimela zezempi ngaphandle kwezindleko zabo siqu, kodwa ngokubuyisela, abathweswe iziqu kumele basebenze iminyaka eminingana. Ezakhamuzini zase-US ezifuna ukuxhasa ngezimali ukuqeqeshwa kwakho komshayeli wendiza, le ndlela inikeza ukuqeqeshwa okuthuthukile, ukuzinza komsebenzi, namahora okundiza aqinisekisiwe.

Ama-Scholarship ahlinzekwa izinhlangano ezifana ne-Women in Aviation International (WAI), iNational Gay Pilots Association (I-NGPA), kanye neNhlangano Yabasebenzi Bezindiza Ezimnyama (I-OBAP) ukuhlinzeka ngemali engaphelele noma egcwele kubafakizicelo abakhethiwe. Nakuba kungeyena wonke umuntu ozofaneleka, ukuhlanganisa imifundaze namanye amasu okuxhasa ngezimali kunganciphisa kakhulu izindleko zizonke.

Amathuba axhaswe ngokugcwele awavamile, kodwa awubufakazi bokuthi amasu okudala akhona. Kubafundi abaningi, ziyisixazululo esikhuthazayo kakhulu lapho ufunda ukukhokhela ukuqeqeshwa kwakho komshayeli wendiza futhi uguqule iphupho lokundiza libe ngokoqobo.

I-AOPA Flight Training Loan

Inhlangano Yabanikazi Bezindiza Nabashayeli Bezindiza (I-AOPA) ungomunye wabakhulumeli abaqine kakhulu kubafundi bezindiza e-United States. Ngaphandle kokunikeza izinsiza kanye nemifundaze, i-AOPA iphinde inikeze nezixazululo ezizinikele zezimali zokuqeqeshwa komshayeli. Kwabaningi abasafisa ukundiza, lolu hlelo luyindlela esebenzayo yokuqonda ukuthi ungakuxhasa kanjani ukuqeqeshwa kwakho komshayeli wendiza ngenhlangano egxile kwezokundiza.

Okumbozwa yi-AOPA Loan

• Ukuqashwa kwezindiza
• Izimali zomfundisi
• Imfundo yesikole samabanga aphansi
• Izindleko zokuhlola nezivivinyo
• Izinto zokuqeqesha

Enye yezinzuzo ezibalulekile zemali mboleko ye-AOPA ukufinyeleleka. Ngokungafani namabhange amaningi, i-AOPA iyaziqonda izidingo ezihlukile zabafundi bezindiza futhi ithunga uxhaso lwayo lwezimali ngokuqondile ekuqeqesheni ukuhamba ngezindiza.

Amanani emali mboleko ayaguquguquka, ngokuvamile asukela ezinkulungwaneni ezimbalwa zamadola ukumboza isilinganiso, aze afike emananini amakhulu ezinhlelo eziphelele.

Imigomo yokukhokha nayo yakhelwe kucatshangelwa abashayeli bezindiza abangabafundi. Ababoleki bangakhetha phakathi kwezilinganiso zenzalo ezigxilile noma eziguquguqukayo, futhi ukukhokha ngokuvamile kungahlehliswa kuze kube yilapho ukuqeqeshwa sekuqediwe. Lokhu kwenza kube lula ukugxila ekuqongeleleni amahora endiza ngaphandle kwengcindezi esheshayo yezezimali.

Kubafundi abahlola indlela yokuxhasa ngezimali ukuqeqeshwa kwakho komshayeli wendiza, imalimboleko ye-AOPA igqama njengenketho ethenjwayo. Isekelwa inhlangano ezinikele kwezokundiza, ihlanganisa ukwethembeka nokuguquguquka okugxile kumfundi, okuyenza ibe ngesinye sezinsiza zezimali ezinokwethenjelwa ezitholakalayo.

Isiphetho

Ukufunda indlela yokuxhasa ngezimali ukuqeqeshwa kwakho komshayeli wendiza kubalulekile njengokukhetha isikole esilungile noma ukuloga amahora akho okuqala endiza. Ngaphandle kohlelo lwezezimali oluhlelekile, ngisho nomfundi ozimisele kakhulu angabhekana nokulibaziseka noma iziphazamiso. Ngendlela efanele, ukuxhasa ngezimali kuba yithuluzi elisekela inqubekelaphambili kunokuba kube umgoqo.

Kusukela emalini ebolekiwe yangasese efana no-Sallie Mae kanye ne-AOPA kuya kumfundaze, izinhlelo ze-cadet zezindiza, ngisho nezindlela zamasosha ezixhaswe ngokugcwele, abafuna ukundiza banezinketho eziningi namuhla kunangaphambili. Indlela ngayinye inezidingo zayo, izinzuzo, kanye nokuhwebelana, yingakho ucwaningo nokuhlela kubalulekile.

Ekugcineni, ukwazi ukuthi ungakuxhasa kanjani ukuqeqeshwa komshayeli wendiza yakho kuqinisekisa ukuthi ungaqeda isikole saphansi, wakhe amahora endiza, futhi uzuze izilinganiso zakho ngesikhathi. Ngesu elilinganiselayo lezezimali, uvikela kokubili ukuqeqeshwa kwakho kanye nomsebenzi wakho wesikhathi esizayo kwezondiza.

Imibuzo Evame Ukubuzwa: Ungakukhokhela Kanjani Ukuqeqeshwa Kwakho Komshayeli Wezindiza

Xhumana nethimba le-Florida Flyers Flight Academy namuhla ku (904) 209-3510 ukuze ufunde kabanzi mayelana nendlela yokudlulisa izikole zendiza.