{"id":24034,"date":"2022-03-28T15:08:49","date_gmt":"2022-03-28T12:08:49","guid":{"rendered":"https:\/\/valorizei.com\/?p=24034"},"modified":"2023-01-26T20:26:12","modified_gmt":"2023-01-26T17:26:12","slug":"financiamento-estudantil","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/financiamento-estudantil\/","title":{"rendered":"How does student financing work?"},"content":{"rendered":"

Find out how to get student financing<\/strong><\/p>\n\n\n\n

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Student finance can be a good option for students who want to go to college.<\/p>\n\n\n\n

After all, there are several opportunities that can help with the financial side.<\/p>\n\n\n\n

There are many private institutions in Brazil that offer financing programs for courses in all areas.<\/p>\n\n\n\n

If you want to understand more about student financing and how to access this service, you're in the right place! Continue reading and learn everything about the subject.<\/p>\n\n\n\n

\"como<\/figure>\n\n\n\n

What is student finance?<\/strong><\/h2>\n\n\n\n

Student finance, or student credit, is a type of loan to help you pay for college tuition.<\/strong><\/p>\n\n\n\n

Basically, it works like this: the student will sign a contract with an institution, which will commit to paying the course fees.<\/p>\n\n\n\n

In this way, the student will acquire a debt, which will be paid later. In other words, this amount will later be returned to the institution.<\/p>\n\n\n\n

This is the standard way of student financing. However, rates and interest vary depending on the financing program.<\/p>\n\n\n\n

For this reason, before you sign the contract, it is important that you carefully read all the conditions and rules.<\/p>\n\n\n\n

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How to get student financing?<\/strong><\/h2>\n\n\n\n

As we said, there are several student financing programs \u2013 including private ones.<\/strong><\/p>\n\n\n\n

This means that the requirements for having financing approved vary depending on the program.<\/p>\n\n\n\n

With that in mind, let\u2019s talk more about some of the main programs. Check it out!<\/p>\n\n\n\n

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Student Financing Fund (Fies)<\/strong><\/h2>\n\n\n\n

The Fies<\/a> It is, without a doubt, the best-known type of student financing in Brazil.<\/p>\n\n\n\n

It was created in 1999 by the Ministry of Education (MEC) with the aim of financing higher education for students enrolled in higher education institutions.<\/p>\n\n\n\n

It is considered one of the cheapest financing options on the market and is highly sought after by low-income families.<\/p>\n\n\n\n

The official Fies portal states that to apply for Fies, you must have a guarantor. However, there are three specific cases that do not require the presentation of a guarantor:<\/p>\n\n\n\n

\u2022 Prouni scholarship holders:<\/strong> Anyone who has a 50% scholarship from ProUni can apply for this financing to pay the remaining tuition fees. In this case, the student does not need to provide a guarantor.<\/p>\n\n\n\n

\u2022 Bachelor's degree courses:<\/strong> If you want to take a degree course at a private university, you also do not need to provide a guarantor.<\/p>\n\n\n\n

\u2022 Family income:<\/strong> Students who have a per capita family income of up to one and a half minimum wages are exempt from the guarantor requirement.<\/p>\n\n\n\n

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How to get financing through Fies?<\/strong><\/h3>\n\n\n\n

To participate in Fies, you must meet three requirements:<\/strong><\/p>\n\n\n\n

\u2022 Have taken any Enem exam since 2010<\/p>\n\n\n\n

\u2022 Have achieved a score equal to or greater than 450 points in the Enem<\/p>\n\n\n\n

\u2022 Not having scored zero on the Enem essay<\/p>\n\n\n\n

In addition to these criteria, there are two different categories. It is important that you know which one is most appropriate for your case:<\/p>\n\n\n\n

\u2022 Fies:<\/strong> Candidates with a family income of up to three minimum wages per person may participate.<\/p>\n\n\n\n

\u2022 P-fies: <\/strong>This category is intended for candidates with a family income of more than three minimum wages and less than or equal to five minimum wages per person. Here, the interest rates are set by the institution responsible for the financing.<\/p>\n\n\n\n

\"cita\u00e7\u00e3o\"<\/figure>\n\n\n\n

Private student financing<\/strong><\/h2>\n\n\n\n

Private student financing works like any other line of credit.<\/strong><\/p>\n\n\n\n

Just like Fies, which is a public student loan, an institution will cover the costs of the studies. After a certain period, the student will start paying the installments of the loan.<\/p>\n\n\n\n

Basically, the difference between private financing and Fies is that in this case, the credit comes from private banks or specialized institutions.<\/p>\n\n\n\n

After hiring, the financial institution in question will transfer the monthly payments directly to the college.<\/p>\n\n\n\n

And the student must commit to making the payment plus interest and monetary correction.<\/p>\n\n\n\n

Interest rates are generally lower than those charged for traditional personal loans. However, they are higher than those charged for Fies.<\/p>\n\n\n\n

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How to get private student financing?<\/strong><\/h3>\n\n\n\n

If you dream of going to college, but you didn't get into a public university and you weren't able to get into Fies, know that there is another solution.<\/strong><\/p>\n\n\n\n

With a lot of research and attention, you can find private financing for students with more advantageous rates.<\/p>\n\n\n\n

On the website For real,<\/a> For example, you can do a simulation online. At banks, you usually need to be a current account holder to be able to hire the service.<\/p>\n\n\n\n

When placing an order online, the documentation must also be submitted entirely online. Generally, the student must prove that their monthly family income is equal to or greater than the monthly tuition fee for the chosen course.<\/p>\n\n\n\n

Both the student and the guarantor must have a clean record.<\/p>\n\n\n\n

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Who can apply for private financing?<\/strong><\/h3>\n\n\n\n

These are the main rules for those who want to take out private student financing:<\/strong><\/p>\n\n\n\n

\u2022 Minors under 18 with legal guardian<\/p>\n\n\n\n

\u2022 Responsible person or representative who can prove income or a guarantor<\/p>\n\n\n\n

\u2022 Hold a Declaration of Aptitude<\/p>\n\n\n\n

\u2022 No restrictions on the name<\/p>\n\n\n\n

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Private financing options for you to learn about<\/strong><\/h2>\n\n\n\n

There are several options for private student financing. Here are the main ones:<\/p>\n\n\n\n

Bradesco student financing<\/strong><\/h3>\n\n\n\n

With Bradesco university credit, you can finance 100% of the semester and pay it in up to 12 installments.<\/strong><\/p>\n\n\n\n

However, to obtain new credit for the following semester, you must be up to date with the payment for the first request.<\/p>\n\n\n\n

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Pravail<\/strong><\/h3>\n\n\n\n

Pravaler is a well-known private financing option.<\/strong><\/p>\n\n\n\n

It belongs to Ideal Invest, which has partnerships with more than 500 colleges.<\/p>\n\n\n\n

Pravaler does not consider Enem. What matters, in this case, is that you are enrolled in a university linked to the program.<\/p>\n\n\n\n

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CredIES<\/strong><\/h3>\n\n\n\n

CredIES is Fundacred's educational credit for higher education, undergraduate and postgraduate courses.<\/p>\n\n\n\n

The program allows students to pay part of the tuition fees during the course and the remainder upon completion of their studies.<\/p>\n\n\n\n

\"dicas<\/figure>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

Now you know what student financing is, how to access this service and the main options on the market.<\/p>\n\n\n\n

As you can see, there are several options for those who want to join this type of financing.<\/p>\n\n\n\n

But before signing the contract, it is important that you know the payment terms, fees and interest charged. This way, you can better organize your finances!<\/p>","protected":false},"excerpt":{"rendered":"

Learn how to get student financing. Student financing can be a good option for students who want to go to college. After all, there are several opportunities that can help with the financial aspect. Many private institutions in Brazil offer financing programs for courses in all areas. If you want to understand better\u2026 Continue reading<\/a><\/p>","protected":false},"author":21,"featured_media":24035,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"O financiamento estudantil pode ser uma boa op\u00e7\u00e3o para os estudantes que desejam entrar para a faculdade, saiba agora como funciona!","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"financiamento estudantil","footnotes":""},"categories":[112],"tags":[],"class_list":["post-24034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito"],"_links":{"self":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/comments?post=24034"}],"version-history":[{"count":9,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24034\/revisions"}],"predecessor-version":[{"id":30467,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24034\/revisions\/30467"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/24035"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=24034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=24034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=24034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}