It is not always possible to get an education for free: the number of budget places is limited, and they are not available in all universities and not in all specialties. Many popular professions can only be mastered for a fee. If the family has no savings, a student loan will be the solution. Let's consider what options are available.
Types of student loans
If you want to get a loan to pay for courses or university studies, there are two main areas:
take part in a government-supported lending program.
take out a regular loan and spend it on education.
Each method has its advantages and belgium mobile database disadvantages. Let's talk about them in more detail.
State program
Within the framework of the state support program, you can get a favorable loan to pay for higher and secondary specialized education.
Areas of study
Funds are allocated for all types of education:
first higher education;
second higher education;
Master's degree;
postgraduate study;
secondary specialized.
Restrictions
The only restriction is that the university must be Russian and officially accredited. Funds issued under the state lending program cannot be spent on courses. It is also not possible to study abroad using loan money.
Requirements for the borrower
Any Russian citizen aged 14 years or older can receive a loan. If the borrower is under 18 years old, written parental consent is required.
To apply for a loan, you must be enrolled in a university. That is, you cannot first receive funds and then apply for admission.
Credit terms
The government-supported loan program is a type of targeted loan without collateral. The borrower does not receive cash - funds are transferred to the educational institution each semester or as a one-time payment, depending on the agreement. You can get a small loan and pay for only one semester.