Ungesabi (Futhi) Ukwesaba Izimalimboleko Zabafundi

-Delile

• Amaphuzu abalulekile
• Ukungena kuhlelo lwe-Ph.D olubiza kancane
• Ukuhlehlisa isikole
• Ukukhokha intengo yeziqu zakho ze-grad
• Ukuya enkambisweni yangasese

Amaphuzu abalulekile

• Izinhlelo zobudokotela bePsychology zingashiya abathweswe iziqu benesikweletu esilinganiselwa ku- $ 200,000.
• Izinketho zokulungiselela isikweletu semali mboleko ephezulu yabafundi kungaba ukusebenza okwesikhashana ngemuva kokutholwa ngaphansi, noma ukuzama indawo eyindlala ku-Ph.D exhaswayo. uhlelo.
• Ukuzijwayeza okuyimfihlo ngemuva kokuphothula iziqu kungaba ukubheja kwakho okuhle ngokukhokha isikweletu sesikole uma ucabanga okuncane njengesisebenzi.

Ekubhaleni kwami ​​kokugcina, ngiveze ezinye zezinselelo ezibhekene nabafisa ukuthola iziqu kwi-psychology yomtholampilo. Inselelo enkulu kunazo zonke umjaho wokuncintisana owesabekayo wezikhundla zokwethusa kulokho okuvame ukubizwa ngokuthi "kuxhaswe" nge-Ph.D. izikhundla. Laba bafundi bakhokha imali yokufunda eyehliswe kakhulu, kepha kube izindleko zokuchitha amahora amaningi besebenza ocwaningweni oluthakazelisa kakhulu kumeluleki wabo wobuchwepheshe. Umqondo ngukuthi lezi zinhlelo zenzelwe ukukhiqiza abacwaningi bemitholampilo abenza uhlobo olufanayo lomsebenzi njengomeluleki wezobuchwepheshe. Kodwa-ke, njengoba imisebenzi enjalo yobungcweti isilela kakhulu kune-Ph.D. izikhundla, asikho isiqinisekiso sokuthi abafundi kulezo Ph.D. izinhlelo zizophela njengabacwaningi bemitholampilo nhlobo - empeleni, eziningi zazo zigcina njenge - zihefuzela! - odokotela bangempela.

Ukungena kuhlelo lwe-Ph.D olubiza kancane

Ukuze ubambe lezo zindawo eziyindlala ku-Ph.D. izinhlelo, abafundi abafisa ukuqala baqale ukwenza ucwaningo nokushicilela eminyakeni yabo yokuqala yeziqu. Babhalisa ezinhlelweni ze-master ezibizayo, inhloso eyinhloko ukukhulisa amathuba omuntu wesikhundla sobudokotela. Basebenza njengabasizi abacwaninga abakhokhelwa kancane iminyaka. Vele, akukho noyedwa wale misebenzi oqinisekisa ukwamukelwa ku-Ph.D. Yezindleko eziphansi. Uhlelo, futhi yonke le misebenzi igcina ibiza imali. Bamele lokho osomnotho abakubiza ngokuthi "izindleko zamathuba," noma, izindleko zokwenza inkambo ethile yesenzo kunenye.

Ukuhlehlisa isikole

Iyiphi enye indlela yokwenza? Yebo, okokuqala, mhlawumbe ungayi ukuyophothula isikole uqonde ngqo ngaphansi kwe-undergrad kwasekuqaleni. Mhlawumbe unake lokho okushiwo ngudokotela wezengqondo omkhulu uCarl Jung:

“Noma ngubani ofuna ukwazi i-psyche yomuntu uzofunda ngokungenalutho kwisayikholoji yokuhlola. Uzokwelulekwa kangcono ukuthi alahle isayensi ngqo, abeke ingubo yakhe yesazi, avalelise esifundweni sakhe, azule ngenhliziyo yomuntu emhlabeni wonke. Lapho ezenzakalweni ezethusayo zamajele, izindawo zokukhosela kanye nezibhedlela, ezindaweni zobumnandi zasemadolobheni, ezindlini zezifebe kanye nezihogo zokugembula, ezindaweni zokucwala izinwele zikanokusho, iStock Exchanges, imihlangano yobusoshiyali, amasonto, imibuthano yemvuselelo kanye namahlelo ajabule, ngothando nenzondo , ngokuhlangenwe nakho kothando ngayo yonke indlela emzimbeni wakhe, wayezovuna izitolo ezicebile zolwazi kunalezo angazinikwa yizincwadi zemibhalo, futhi uzokwazi ukuthi angadokotela kanjani abagulayo ngolwazi lwangempela lomphefumulo womuntu. ”

Akusona iseluleko sakho esijwayelekile semfundo, ngiyazi. Kepha mhlawumbe umkhakha we-psychology yomtholampilo udinga abafundi abambalwa "A" abane-curriculum vitae ephelele kanye nezincwadi eziyishumi nambili, futhi mhlawumbe idinga abantu abaningi asebeke bathola okuthile emhlabeni. Bangaki ososayensi bezengqondo abadlule ku-Basic Basic Training, noma esikoleni samaphoyisa, noma basebenze njenge-LPN ekhaya lasebekhulile, noma ngokuhleleka esibhedlela sabagula ngengqondo? Ngangizama, hhayi ngokwanele. Ngakho-ke ungesabi ukwenza okuthile kwangempela ngempilo yakho ngaphambi kokuqhubeka nokufunda okwengeziwe. Uma ukwenza kanjalo kulimaza amathuba akho okungena ku-Ph.D. Yezindleko eziphansi. program, esho okuningi ngabo kunalokho okusho ngawe.

Ukukhokha intengo yeziqu zakho ze-grad

Okunye okulandelayo ukucabanga nge-Psy.D ebiza kakhulu. uhlelo. (Kulezi zikhala ezimbili ngale ndaba, angihlukanisi phakathi kwe-Ph.D ne-Psy.D.izinhlelo ngokwazo, ngisebenzisa nje i- "Psy.D." ukumela iziqu ezizodinga ukuthi uthathe izikweletu eziningi, kanye ne- "Ph.D." ukumela idigri ezodinga ukuthi uthathe isikweletu esincane.) Ake sithi isimo esibi kakhulu sigcwaliseka futhi uphothule ngezi- $ 200,000 ezikweletini zemalimboleko yabafundi. Ungakwazi ukuyikhokha? Njengoba ngibonile kokuthunyelwe kwami ​​kwangaphambilini, ukukhokha leyo mali eminyakeni engama-20 ngenzalo engu-5% kungafaka inkokhelo yanyanga zonke ye- $ 1,320.00. Lokho kungukushaqeka kwesitika, ikakhulukazi uma ucabanga njengesisebenzi, hhayi njengosomabhizinisi.

Uma inhloso yakho ngemuva kokuthola i-doctorate ku-psychology clinical ukuthola umsebenzi, noma njengomsizi kaprofesa noma e-VA Medical Center noma kwenye inhlangano, khona-ke, kungcono ukhathazeke ngokuthi ungakanani isikweletu somfundi osithathayo. Ukufana okufanayo i-Ph.D. kanye ne-Psy.D. imisebenzi enayo ukuthi ayikhokhi kakhulu: Cabanga endaweni ethile ebangeni lama- $ 70,000 kuya ku- $ 80,000. [Ngandlela-thile, uMnyango Wezemfundo wase-US njengamanje uqhuba uhlelo olumangazayo lapho bezokhokha khona izimalimboleko zakho zabafundi ngemuva kweminyaka eyi-10 ukhokha, uma usebenzela i-federal noma i-ejensi yombuso, njengoMnyango WezabaVeterans, noma i-ejensi yezempilo yezengqondo.] Ngiyazi ukuthi iholo libukeka liyinto eningi kubantu abaningi, kepha alikho kangako uma uthola inkokhelo enkulu yemalimboleko yabafundi njalo ngenyanga.

Ukuya enkambisweni yangasese

Ngakho-ke ungakghona kanjani ukukhokhela idigri ebiza kakhulu futhi ugweme izindleko zamathuba ohlelo lwenkosi, abasizi bezocwaningo, njll. Iya ekuzijwayezeni okuyimfihlo ngemuva kokuphothula iziqu, lapho unquma khona ukuthi uhola malini. Ukwenza umkhuba wangasese akufani nokuqhuba noma yiliphi ibhizinisi elincane: Kufanele uphendule ngazo zombili izimali ezingenayo nezindleko. Ukucabanga ngenkokhelo yakho yemalimboleko yabafundi njengezindleko zebhizinisi kungabeka lelo nani elikhulu elisabekayo lama- $ 200,000 ngombono ongcono. Ake sithi uchitha u- $ 1,200.00 / ngenyanga ukuqasha, ukufaka impahla, nokukhanyisa / ukufudumeza ihhovisi. Umshuwalense we-Malpractice kanye nezikweletu eziqhubekayo zemfundo nezimali zamalayisense kuzobiza cishe amanye ama- $ 2,500 ngonyaka (noma $ 208 ngenyanga). Faka ifoni nezinye izindleko ezixubile ze- $ 192 ngenyanga. Umshuwalense wezempilo womuntu cishe u- $ 456 ngenyanga. Futhi-ke, leyo mali ekhokhwa ngemalimboleko yabafundi eyi- $ 1,320 ngenyanga. Konke okushiwo, lokho kungu- $ 2,057 kuzindleko noma ku- $ 24,684.00 ngonyaka.

Manje ake sibheke imali engenayo. Masibe yi-lowball lezi, ukuze nje sizibambe ngangokunokwenzeka. Ake sithi ubona iziguli eziyisithupha ngosuku, izinsuku ezinhlanu ngesonto. Uthatha umshuwalense, futhi ake sithi uthola isilinganiso esingesihle kangako sama- $ 80 ngeseshini yemizuzu engama-45. Lokho yiziguli ezingama-30 ngesonto x $ 80 = $ 2,400 ngesonto. Phindaphinda lezozikhathi amasonto angama-50 namarisidi akho aphelele wonyaka angama- $ 120,000 ngonyaka. Khipha imali engu- $ 25,000 kuzindleko (ezibandakanya izinkokhelo zakho zemalimboleko yabafundi), futhi uneholo elingakhokhiswa ngaphambi kwentela lama- $ 95,000. Khipha isilinganiso sentela ozisebenzelayo esingu-15.3% (esihlanganisa izinkokhelo zakho ku-Medicare and Social Security) futhi uku- $ 80,465, okungeyona imali engenayo nje kuphela kodwa futhi engcono kunabaprofesa abaningi abasizayo kanye nezazi eziningi zengqondo eziqashwe ama-ejensi.

Futhi khumbula ukuthi lezi zilinganiso zithathwe ekutholeni ibhola eliphansi imali yakho engenayo. Ake sithi ungeza kusihlwa okubili ngesonto, ubona ezinye iziguli eziyisithupha ngalezo zikhathi. Lokho kuzothuthukisa amarisidi akho amakhulu abe ngama- $ 144,000 ngonyaka. Ake sithi ubona iziguli eziyisikhombisa ngosuku, izinsuku ezine ngesonto, kuthi ngoLwesihlanu wenze izivivinyo zokukhubazeka Kwezenhlalakahle (ezimbili ezidinga ukuhlolwa kwe-WAIS-IV kanti ezimbili zidinga Isimo Sengqondo kuphela). Lolo Lwesihlanu lungaletha okungaphezulu kancane kwenkulungwane yamadola (kuzofanele ubone cishe iziguli eziyi-13 ukuze zithole inani elifanayo). Futhi uma umshwalense owuthathayo ukhokha u- $ 86 esikhundleni se- $ 80? Ngaphansi kwesimo sokuqala sokubona iziguli eziyisithupha kuphela ngosuku, lokho kusho ukuthi kune- $ 9,000 eyengeziwe ngonyaka.

I-mileage yakho ingahluka, kunjalo. Kepha ngiphakamisa ukuthi okuzokwenza umehluko omkhulu emiphumeleni yisimo sakho sebhizinisi noma ukuntuleka kwakho. Abanye abantu abaneme neze ngobungozi nemithwalo yemfanelo yokusebenzisa imikhuba yabo yangasese. Bangakhetha ukuhweba ngemivuzo eyengeziwe (njengokukhuphula imali engenayo nokuzimela) ngalokho okubonakala njengokuvikeleka nokuzinza. Kunoma ikuphi, uma ukwenza ngasese kungumgomo wakho wokugcina, unganikeli ithemba kakhulu kothisha (abangasomabhizinisi) abakutshela ukuthi "akekho ongakwazi ukuthatha imali engama- $ 200,000 esikweletini semalimboleko yabafundi."