Haddii aad bixiso kharashka kulliyadda 2018, waxa laga yaabaa in aad ku hesho cashuur celinta cashuurta federaalka. Xitaa haddii aad wax ku baraneyso meel ka baxsan Mareykanka waxaa laga yaabaa in aad wax ka barato Mareykanka Fursadaha Canshuurta ee Mareykanka (AOTC) iyo Lifetime Learning Credit (LLC) waxay kaa dhimi karaan qaddarka canshuurta ee lagugu leeyahay, laakiin AOTC kaliya ayaa qayb ahaan la soo celin karaa.
Marka dugsiga dib loo bilaabo, waalidiinta iyo ardaydu waa inay eegaan dhibcaha cashuurta ee ka caawin kara kharashka waxbarashada sare. Waxa ay taas sameeyaan iyaga oo dhimaya cadadka cashuurta ee uu qof ku leeyahay cashuur celintooda. Haddii deyntu ay canshuurta ka yareyso eber, canshuur-bixiyuhu wuxuu heli karaa lacag celin.
Cashuur-bixiyeyaasha bixiya kharashka waxbarashada sare 2019 waxay arki karaan kaydadka cashuuraha marka ay xareeyaan canshuur celintooda sanadka soo socda. Haddii cashuur bixiyayaasha, xaasaskooda ama kuwa ku tiirsan ay qaataan koorsada dugsiga sare ka dib, waxa laga yaabaa inay u qalmaan faa'iido cashuureed.
Waxaa jira laba dhibcood oo la heli karo si ay uga caawiyaan cashuur bixiyayaasha inay ka bixiyaan kharashka waxbarashada sare. The Deynta canshuurta fursadda Mareykanka iyo credit waxbarashada nolosha waxaa laga yaabaa inay dhimaan cadadka canshuurta dakhliga ee lagu leeyahay. Cashuur bixiyayaasha ayaa isticmaala Foomka 8863, Dhibcaha Waxbarashada, si aad u dalbato credits.
Si aad xaq ugu yeelatid inaad codsato credit credit ee Maraykanka, ama dhibcaha waxbarashada nolosha oo dhan, cashuur bixiyaha ama ku tiirsane waa inuu ka helay Foom 1098-T machad waxbarasho oo u qalma.
The Deynta canshuurta fursadda Mareykanka waa:
- U qalma faa'iidada ugu badan ilaa $2,500 ardaygii u qalma.
- Kaliya afarta sano ee ugu horeysa kulliyad ama dugsi xirfadeed oo u qalma.
- Loogu talagalay ardayda sii wada shahaado ama shahaado waxbarasho oo la aqoonsan yahay.
- Qayb ahaan waa la soo celin karaa Tani waxay ka dhigan tahay haddii deyntu ay keento cadadka canshuurta lagu leeyahay eber, 40 boqolkiiba inta hartay ee credit, ilaa $1,000, waa la soo celin karaa.
The credit waxbarashada nolosha waa:
- U qalma faa'iidada ugu badan ilaa $2,000 canshuur celinta, sannadkii, iyadoon loo eegayn inta arday ee u qalma.
- La heli karo dhammaan sanadaha waxbarashada dugsiga sare ka dib iyo koorsooyinka lagu barto ama lagu horumariyo xirfadaha shaqada.
- La heli karo sanado cashuureed oo aan xadidnayn.