Umthombo: Kulamaxesha
NgoMatshi 18, iSebe lezeMfundo le-Biden libhengeze ukuba liza kurhoxisa i-$1 bhiliyoni kwityala lemali mboleko yabafundi ebanjwe ngu 72,000 ababoleki ababekho qhatha ngeeyunivesithi zokwenza inzuzo. Aba bafundi bafumana imfundo ye-subprime kunye nezidanga ezingenaxabiso, kwaye emva koko bathwaxwa ngamatyala rhoqo kumashumi amawaka eedola - lonke ngelixa iinkampani ezikhohlakeleyo kunye nabatyali-mali babo benza izigidi.
Ekuphela kwesizathu sokuba eli tyala licinywe kukuba amatyala aye alungelelaniswa. Kwi 2015, abafundi abavela kwingeniso, ngoku engasekhoyo iCorinthian Colleges Inc. baphehlelele ugwayimbo lokuqala lwelizwe lwamatyala abafundi, besala ukuhlawula iimali-mboleko zabo kuba bebeqhathiwe sisikolo sabo. Okokuqala, balwa nolawulo luka-Obama, kwaye emva koko ulawulo lukaTrump. Njengesiphumo esithe ngqo sale nzame, olu loyiso lwamva nje luthetha ukuba urhulumente wase-US unyanzelwe ukuphelisa phantse i-$2 iibhiliyoni zeerandi ematyaleni ukuza kuthi ga ngoku.
Ngoku, kufuneka siqhubeke nale nto bayiqalileyo. Kufuneka silwe ukuze siqinisekise ukuba zonke iidola1.7 Ibhiliyoni yetyala labafundi liyacinywa. Sinefestile yokwenza imbali. Njenge-Rep. Alexandria Ocasio-Cortez (D-NY) wathi ngoMatshi 12 emva kokuba iSicwangciso esikhulu sokuHlangula saseMelika siphunyeziwe, โ[Ndi] ukuba uyakhathala malunga nokucinywa kwamatyala omfundi, lifikile ixesha lakho. Kufuneka uhlanganise, kwaye ngoku lixesha lokuba ulungelelanise ukudala uxinzelelo lwezopolitiko. "
Kwaye sinjalo. Ukususela ngoMatshi 29 ukuya kutsho ngoAprili 4, abanetyala kunye namahlakani ethu baya kuba Kuthatha inxaxheba kwiveki yenyathelo le-Debt Collective yokucinywa LONKE ityala lemali-mboleko yabafundi. Imisitho icwangciswe kwisiXeko saseNew York, eChicago, eAlbuquerque, eDenver, eKnoxville, eWashington DC, eLos Angeles nakwezinye ezininzi kwilizwe liphela. Sikholelwa ukuba ngoku lixesha lokubandakanyeka kwaye sithathe izitalato ezibonakalayo kunye nedijithali, kuba asikwazi ukuhlala phantsi kwaye silinde amagosa anyuliweyo ukuba enze ngokwawo. Kufuneka sibatyhale ngokubamba imisitho, iindibano, iimatshi, iibhanki zeefowuni kunye nezinye izenzo zokudala uxinzelelo kunye nokukhulisa umlo wethu.
Ngelixa iinkampani kunye nezityebi zikhutshwa ngebheyile xa zijongene neengxaki, akukho nto imane inikwe abasebenzi. Kodwa sinokuphumelela-ukuba siququzelela kunye. Wonke umgaqo-nkqubo oqhubekayo kweli lizwe wawulwelwa: kwathatha intshukumo yamalungelo oluntu ukuba imilisele eli lizwe kubulungisa bobuhlanga; Abasetyhini baqhankqalaza kwaye bathatha inyathelo lokuphumelela ilungelo lokuvota, kwaye kungumbulelo kuphela kubasebenzi abaqhankqalazayo kwaye bathatha inyathelo lomkhosi esinalo 8โyiyure yomsebenzi kunye neempelaveki. Ukucinywa kwetyala akufani. Abanamatyala kufuneka bamanyane ukuze amazwi ethu aviwe kwaye iimfuno zethu zifezekiswe.
Umongameli uBiden ukhankasele isithembiso sokuxolela i-$10,000 yetyala lemali-mboleko yabafundi kumntu wonke, kunye nesiqabu ngakumbi kubaboleki abakhethiweyo. Linyathelo elincomekayo elo, kodwa isicwangciso sakhe sisashiya ngaphandle izigidi zabantu kwaye ayijongani nengcambu yale ngxaki.
Lixesha lokuba ucime lonke ityala lemali mboleko yomfundi kwaye wakhe indlela eya kwikholeji engahlawulelwayo. Irhoxisa i-$10,000 okanye nokuba $50,000 (imali ekhuthazwa ngabademokhrasi kuquka noSeninja waseMassachusetts u-Elizabeth Warren) ingcono kunanto, kodwa ukuba yiyo yonke into eyenziwa nguBiden, uya kushiya amashumi ezigidi zabantu baseMelika bentywila ematyaleni. Ngethamsanqa, uBiden unokurhoxisa lonke ityala lemali mboleko yabafundi ngoku esebenzisa igunya analo kuMthetho weMfundo ePhakamileyo.
Imfundo ephakamileyo eUnited States yonakele ngokusisiseko. Oorhulumente beFederal kunye norhulumente ukubetha uhlahlo lwabiwo-mali lwemfundo, kunye neendleko zokufunda ibhaluni. Phakathi 2008 kwaye 2018, imfundo yaqhushumba 37%, kwaye iindleko zeyunivesithi zikhule phantse 25% - kodwa amazwe asetyenzisiweyo, ngokomndilili, 20% ngaphantsi kwemfundo ephakamileyo. Okwangoku, iindleko zokurenta kunye nombane ziyaqhubeka zinyuka ngelixa umvuzo omncinci we-$7.25 iyure ihlala imile.
Izibalo zilula: kukho umsantsa, kwaye izaliswe ngamatyala. Kwixesha elidlulileyo 10 iminyaka, isixa semali-mboleko yabafundi yanda ngaphezulu kwe 100%. Abanye bakhomba kwiinkqubo zikarhulumente zokuhlawula imali-mboleko esele zikho kunye neenkqubo zoxolelo njengezisombululo zale ngxaki yongayo yamatyala. Kodwa, ngaphandle kwezigidi zabafaki-zicelo, kuphela 32 abantu baye bafanelekile ukucinywa kwengeniso.
Masibuyele kwi 72,000 abafundi abaqhathiweyo abaya kuxhamla ekunyamaleleni kwaloo $1 ibhiliyoni yamatyala. Okulusizi kukuba, abanye abaninzi basabandezeleka: 90Ipesenti yababoleki ababe thukile ngezikolo zabo bathi bavinjwa uncedo. Ulungiso lwangoku lukarhulumente wobumbano alusebenzi.
Umdibaniso ohlukeneyo wabavoti uxhase uBiden kwiphulo lakhe lobumongameli kuba eli lizwe lifuna inguqu enzulu, nangenxa yokuba uzibophelele ekucimeni ityala labafundi. NdingumSilamsi waseMzantsi Asia ophuma kusapho lwabasebenzi, kwaye ngoku ndiphethe imali engaphezu kwe-$70,000 ematyaleni omfundi. Into yokugqibela endifuna ukuyibona kukubuyela"eqhelekileyoโ ebeka esichengeni uluntu lwethu kunye nomsonto okrazukileyo wedemokhrasi esisenawo. Lixesha lokuba sisombulule ezona ngxaki zidale le ngxaki sikuyo ngoku. Ukwenjenjalo kuya kunceda abantu abasebenza kuzo zonke iinkalo zobomi.
Ukulungelelanisa amatyala kuye kwandifundisa ukuba yande kangakanani le ngxaki. Abantu bandisebezela bezolile, ngokungathi ngabo kuphela abatsala nzima, xa ityala lemali-mboleko yabafundi lichaphazela inani elikhulu lethu: ootitshala, abongikazi, abasebenzi bevenkile yokutya, amagcisa, abaphuhlisi bewebhu, abaphandi, iintatheli, abantu abangazange baphumelele, abantu abangaphangeliyo. Kwaye abo bangenalo eli tyala? Uninzi lwabo lwenze ngaphambili, ngoko bayayazi indlela abasebenza nzima ngayo ukuze bayihlawule kwaye kutheni kungekho mntu wumbi kufuneka enjenjalo-okanye bayamazi umntu obandezelekileyo: udade wabo, umnakwabo, umntwana okanye umzala.
Ityala akufuneki libe yimfihlelo yethu elihlazo. Ingamandla ethu adibeneyo kunye nomzabalazo esabelana ngawo. Xa umba othile uchaphazela 45 abantu abazizigidi, asiyompazamo yomntu. Senza oko sonke kuthiwa masikwenze: ukuya esikolweni, sizame ukufumana isidanga, emva koko sizame ukufumana umsebenzi ohlawula kakuhle. Kodwa inkqubo ayenzelwanga ukuba isebenzele abantu abasebenzayo.
Ityala lemali-mboleko yabafundi ngumba wobulungisa bobuhlanga. Owona mthwalo mkhulu wamatyala uphethwe ngabantu abaNtsundu nabantsundu. Ilifa elinzulu localucalulo ngokwezakhiwo kweli lizwe libandezile olu luntu ithuba lokwakha ubutyebi bezizukulwana, ngoko ke kufuneka bathathe iimali-mboleko ezininzi ukuze baye esikolweni. Xa sele besemsebenzini, abantu abamnyama nabantsundu badla ngokwenza kancinci. Okokuqala uqala ungenanto, kwaye wohlwaywa ngokuzama ukuphucula ubomi bakho. Oku mhlawumbi kungenxa 40Ipesenti yabavoti abamnyama wathi abayi kuvotela umviwa ochasayo ukuphelisa ityala lemali-mboleko yabafundi.
Ityala lemali-mboleko yabafundi likwangumba wezizukulwana, kuba ngoku abantu abazizigidi ezithandathu phakathi kweminyaka yobudala 50โ-โ64 kwaye 870,000 abantu abangaphezu kweminyaka yobudala 65 usabambe ityala lemali-mboleko yomfundi. Kubantu abadla umhlala-phantsi, endaweni yokuphumla emva kokusebenza nzima, bafumana ukhuseleko loluntu oluhonjiswe ngaphezu kweentlawulo zamatyala abafundi abangawahlawulanga ngenxa yokuba behlwempuzekile ukuba bangabhatala.
Okokugqibela, ityala lemali-mboleko yomfundi ngumba wobulungisa kwezoqoqosho. Abantu abazizityebi akunyanzelekanga ukuba baboleke ukuya ekholejini, kodwa phantse wonke umntu wenza njalo. Ityala lemali-mboleko yabafundi lichaphazela kakhulu imimandla nemimandla ehlwempuzekileyo, emaphandleni nasezidolophini. Umzekelo, abahlali baseTennessee, apho kuya kubakho uqhanqalazo kabini kwiveki ezayo, baye ngaphezulu kwe-$29 ibhiliyoni ematyaleni.
Akumangalisi ukuba ukucinywa kwetyala ngokupheleleyo zixhaswe ngoninzi lwabavoti, kumaqela ezopolitiko. Ukucinywa kwetyala yinkuthazo efuneka ngokunzulu ilizwe lethu eliyifunayo kunye neliyidingayo. Ingabeka iibhiliyoni zeedola kuqoqosho lwethu kwaye idale amawaka emisebenzi. Kunefuthe kakhulu ukuba uvoto ibonisa 1 in 5 Abavoti baseRiphabhlikhi bathi bangajonga ukuvotela iiDemocrats ukuba uBiden uyalicima ityala.
Sinokuqiniseka ukuba iibhanki kunye neenkampani eziboleka imali azihlebezi zineentloni malunga nokuba babhubhile ubomi obungakanani. Endaweni yoko, babhengeza ukuba inzuzo yabo ibaluleke kakhulu, ukukhulula iingxelo zobuxoki ngedatha ethandabuzekayo malunga nendlela ukucinywa kwetyala lemali-mboleko yabafundi akusayi kunceda abantu abahluphekayo, kunye nokuphembelela indlela yabo kwiibhiliyoni ezingakumbi kwiinkxaso-mali zabo kunye nemigca yabo ephantsi.
Ukuba abaziva bengazisoli ngokukhohlisa kunye nokuqhubeka nokuxhaphaza 45 izigidi zethu, kutheni kufuneka sizive sineentloni ngokuthatha amatyala ukuphucula ubomi bethu noluntu lwethu? Endaweni yoko, masiququzelele kunye ukurhoxisa amatyala ethu akhoyo kwaye siqinisekise ukuba izizukulwana ezizayo akufuneki zisokole ngolu hlobo.
Kwiveki ezayo, abakweliti kunye nabasebenzisana nabo baya kuhlangana kwi-Intanethi nakwi-intanethi, ezixekweni nakumagumbi eZoom kwilizwe liphela. Siza kuba neematshi kunye neerali, iindibano zabatyalwayo ababelana ngamabali, i-banner drops kunye nezinye izenzo.
Zonke izenzo ziya kujongeka ngokwahlukileyo. Kodwa nganye kuzo iya kuba namandla, kuba ngalo naliphi na ixesha abantu behlangana ukuze batshintshe izinto, silinyathelo elinye elisondele kubulungisa nenkululeko.
Umme Hoque nguMlawuli oQuquzelelayo kwiQela lamaTyala.
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