How to study on a paid basis if parents do not have money

Situation: there were not enough points for admission to the budget, and I don't want to ask parents to pay for my studies. You can wait a year to retake the Unified State Exam and try again, or take out a loan - the state will help pay it off. Together with "" we understand how education loans are arranged.

What is an education loan?

This is a type of loan that is issued to students to pay for their studies. He will help out if he can only enroll in a paid form, and there is no money right now to pay for tuition at the university. This is a fairly common practice in the world: for example, in the United States, about a third of young people aged 18 to 29 use educational loans. The conditions for such loans are usually quite mild: for the period of study, a deferral of debt payment can be provided, and part of the costs is borne by the state. It needs qualified specialists, so it is ready to help those who want to get higher education.

In Russia, this can be issued at Sberbank - it is the official partner of the Ministry of Science and Higher Education. The loan allows you to pay for your studies at any university, be it public or private, the main thing is that it is registered in the Russian Federation and has a license to conduct educational activities. With the form of training, everything is also simple: money is loaned to full-time students and those who enrolled in part-time studies.

So there are consumer loans. Isn't that the same thing?

No, there are several important benefits to a student loan. First, it can be obtained without proof of income. Simply put, a student or his parents do not need to bring a salary certificate to the bank, and a deposit is also not needed. Secondly, "Sberbank" gives a grace period: during studies and for another nine months after graduation from the university, only interest will have to be paid. The principal can be settled within 15 years from the end of the grace period.

The state will help pay off the loan - through subsidies, it compensates for part of the interest on the loan. Now the aggregate interest rate on a loan for education from "" is 13, 39% per annum. Of these, the borrower pays 3%, and the state pays 10, 39% per annum.

The bank does not transfer the entire amount to the university at once, but pays for each semester separately. If during his studies a student realizes that he has chosen the wrong specialty, he can transfer to another university. Nothing bad will happen with the loan, you just need to bring a new agreement and a receipt for payment to the Sberbank branch by the beginning of the semester. If a student is expelled for academic failure, he will have to return only the amount that the bank has already transferred to the university and pay the aggregate interest rate - subsidies from the state in this case are no longer valid.

How much do you have to pay per month?

Depends on the cost and duration of training. Let's say a student enters a bachelor's program, he has four years to study, and the cost of training is 100,000 rubles a year. In total, studies will cost 400,000 rubles, and interest is added to it: 3% of 400,000 - 12,000 rubles.

The 4 years that a student spends at the university is considered a grace period - only interest needs to be paid. Nine months after graduation are added to the postponement - during this time, you can just find a permanent job.

Here is an approximate calculation of the amount of payments:

In the first year, you need to pay 40% of the interest accrued for the year.
In the second year, the student pays 60% of the interest accrued for the year.
From the third year until the end of the grace period, you must pay interest in full.

During study, the minimum payment, taking into account the deferral, is from 92 rubles per month - to pay off, temporary part-time jobs are enough. When the grace period ends, the graduate will have 15 years to pay back the debt and interest - including those that were not paid in the first two years of study. During this period, the payment will be 3,126 rubles per month.

The loan can be repaid ahead of schedule if the situation allows: for example, a student has a permanent job. There is no need to wait until the grace period ends: it is enough to come to the Sberbank branch and fill out an application for early repayment of the loan.

If the student is under 18, are there chances that the loan will be approved?

Of course. Even those who are only 14 years old can apply for an education loan in Sberbank - however, in this case, you must obtain the written consent of the legal representatives of the borrower and the permission of the guardianship authorities.

To complete the application, you must have the following documents with you:

The borrower's passport, and if he is under 18 years old, his birth certificate, passport and written consent of the legal representative, as well as the permission of the guardianship and trusteeship authorities to conclude a loan agreement, will also be required.
for a loan.
Agreement on the provision of paid educational services concluded with the university.
The account of the university to which the bank will transfer money.

If you entered another city and during your studies you will not live where you are registered, then a certificate of temporary registration will also come in handy.

So, what to do next?

Conclude an agreement with the university that you will pay for study, collect the rest of the documents and come with them to the nearest branch of Sberbank - you can find a branch. You don't need to travel to your hometown and back for this: applications are accepted both at the place of permanent registration and where the university is located.

The bank will consider the application within three days and offer to sign a loan agreement. After that, he will immediately transfer the money for the first semester to the university account, and you will discuss the scheme of further payments with a bank employee when concluding an agreement. The main thing is to closely follow the payment schedule and repay interest or a loan on time: this can be done at a Sberbank branch, through an ATM or using Sberbank Online and a mobile bank.

The consumer loan "Educational loan with state support" of Sberbank PJSC (hereinafter referred to as the Credit) is available upon submission of a loan application at the Bank's office for all citizens of the Russian Federation aged 14 to 75 years as part of the provision of state support for educational lending in accordance with the Decree of the Government of the Russian Federation of 26 February 2018 No. 197 "On Approval of the Rules for Providing State Support for Educational Lending". The loan is provided for the purpose of paying for the cost or part of the cost of educational services received in the current academic year or subsequent periods of study in higher education programs. Loan restrictions: provided to pay for educational services in universities. The total amount of the Loan for a specific borrower is determined by the Bank individually, depending on the cost of educational services. The Bank has the right to refuse to issue a Loan without explaining the reasons. Changes in the conditions are made by the Bank unilaterally. For more information about the Bank's lending terms, restrictions and other conditions, visit www.sberbank.ru or call 8 (800) 555-55-50. PJSC Sberbank. General license of the Bank of Russia for banking operations No. 1481 dated August 11, 2015.