{"id":24255,"date":"2022-04-07T16:00:12","date_gmt":"2022-04-07T13:00:12","guid":{"rendered":"https:\/\/valorizei.com\/?p=24255"},"modified":"2025-08-29T15:23:26","modified_gmt":"2025-08-29T12:23:26","slug":"financiamento-privado-para-faculdade","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/financiamento-privado-para-faculdade\/","title":{"rendered":"Private financing for college: 5 advantageous options"},"content":{"rendered":"

Discover the most advantageous private financing options for college<\/strong><\/p>\n\n\n\n

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Private college financing: have you heard of it?<\/p>\n\n\n\n

The Student Financing Fund (Fies) is certainly the best-known public student financing option. <\/p>\n\n\n\n

However, there are other alternatives that may also be advantageous for you who want to take a higher education course and were unable to obtain Fies.<\/p>\n\n\n\n

Most of the time, in order to request the service, you need to have a link with the bank or credit institution.<\/p>\n\n\n\n

To help you with this issue, we will explain everything about the subject and show you the main private financing options for college.<\/p>\n\n\n\n

Read on to find out more.<\/p>\n\n\n\n

\"financiamento<\/figure>\n\n\n\n

What is private college financing?<\/strong><\/h2>\n\n\n\n

Private college financing works like a loan.<\/strong><\/p>\n\n\n\n

Unlike Fies, the money borrowed through private financing comes from a financial institution, such as banks or specialized companies, instead of being subsidized by the government.<\/p>\n\n\n\n

After hiring, this institution will transfer the financed amount of the monthly fees directly to the university.<\/p>\n\n\n\n

The amount borrowed must be paid back by the student after he\/she completes his\/her degree.<\/p>\n\n\n\n

In general, institutions offer an extended period after completing the course for students to pay the installments.<\/p>\n\n\n\n

It is important to remember that depending on the type of student financing <\/a>for college, the scholarship can be full or partial.<\/p>\n\n\n\n

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What are the fees and payment terms?<\/strong><\/h2>\n\n\n\n

The interest rates applied to this type of credit are usually lower than those of a traditional loan. However, they are higher than those of Fies.<\/p>\n\n\n\n

The advantage is that private student loans offer a very advantageous period of time for the student to pay off the entire debt.<\/p>\n\n\n\n

General conditions, such as fees and payment terms, vary depending on the institution.<\/p>\n\n\n\n

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

Private college financing: what options are available?<\/strong><\/h2>\n\n\n\n

If you want to go to college but cannot apply for Fies, know that there are other alternatives.<\/strong><\/p>\n\n\n\n

After all, more and more possibilities for student financing are emerging in Brazil.<\/p>\n\n\n\n

Below, check out some of the most advantageous options:<\/p>\n\n\n\n

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1. PraValer<\/strong><\/h3>\n\n\n\n

Pravaler is a student financing platform that works as a kind of private Student Financing Fund (Fies).<\/strong><\/p>\n\n\n\n

Among private financing programs, Pravaler is one of the best known.<\/p>\n\n\n\n

One of the reasons why this financing is so sought after by students from all over Brazil is the reduction of bureaucracy in accessing credit.<\/p>\n\n\n\n

In other words, prior approval of financing is done more quickly than with Fies, for example.<\/p>\n\n\n\n

Pravaler pays off the semester's installment for the college where the student studies and also creates easy ways for the student to pay these installments later.<\/p>\n\n\n\n

It is also important to mention that to take out Pravaler credit, you do not need to have taken the National High School Exam (ENEM).<\/p>\n\n\n\n

On the Pravaler website,<\/a> You can simulate the financing and find out how much you will pay per month.<\/p>\n\n\n\n

The program has partnerships with several recognized colleges in the market.<\/p>\n\n\n\n

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2. Private financing for college Bradesco<\/strong><\/h3>\n\n\n\n

Student financing for college is one of the services offered by Banco Bradesco.<\/strong><\/p>\n\n\n\n

The bank offers financing of 100% of the course.<\/p>\n\n\n\n

The student has 12 months to pay the monthly fees for one semester, and the first payment is made 30 days after signing the contract.<\/p>\n\n\n\n

Whenever a new semester begins, the student can apply for new financing.<\/p>\n\n\n\n

Installments are automatically debited from your account.<\/p>\n\n\n\n

If something unexpected happens, you can contact the bank to try to reach an agreement.<\/p>\n\n\n\n

Visit Bradesco's student financing page to run a simulation and see the results.<\/p>\n\n\n\n

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3. Santander student financing<\/strong><\/h3>\n\n\n\n

Banco Santander's Undergraduate Health financing is also an advantageous option for those who want to obtain student financing for college.<\/p>\n\n\n\n

As the name suggests, this service is aimed at people who want to take a course in the health area.<\/p>\n\n\n\n

The program is available to students of eligible courses from the 4th semester onwards.<\/p>\n\n\n\n

Students can renew their funding each academic term.<\/p>\n\n\n\n

Eligible courses are: Medicine, Physiotherapy, Nursing, Pharmacy, Dentistry, Veterinary Medicine, Animal Science, Nutrition, Biomedicine and Speech Therapy.<\/p>\n\n\n\n

On the website itself,<\/a> you can simulate financing.<\/p>\n\n\n\n

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

CredIES works in a very similar way to Pravaler.<\/strong><\/p>\n\n\n\n

Maintained by Fundacred, the credit has no interest rate. However, there is a monthly administrative fee. <\/p>\n\n\n\n

The rate corresponds to 0.35% per month calculated on the monthly payment.<\/p>\n\n\n\n

CrediEs does not evaluate your Enem score, that is, there is only a requirement that you have been accepted into a partner private college.<\/p>\n\n\n\n

This educational loan requires the presentation of a guarantor, who will go through the credit analysis process.<\/p>\n\n\n\n

Basically, it works like this: you select the institution and level of education, inform the guarantor, send your documents and those of the guarantor and wait for the analysis by FundaCred and IE.<\/p>\n\n\n\n

Regarding the main differences of CrediES, we can mention the fact that it is available to those with bad credit and the entire application is made online.<\/p>\n\n\n\n

Any student can apply for financing, as only the guarantor's income will be analyzed.<\/p>\n\n\n\n

On the FundaCred Portal<\/a> you can perform the credit simulation.<\/p>\n\n\n\n

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5. Credits<\/strong><\/h3>\n\n\n\n

Creditas offers secured loans.<\/strong><\/p>\n\n\n\n

In other words, you can use a property or vehicle as payment collateral and thus obtain lower rates.<\/p>\n\n\n\n

Creditas is a well-known online lending platform on the market.<\/p>\n\n\n\n

On the company's website, you can simulate your credit.<\/p>\n\n\n\n

With the simulation, Creditas can perform an analysis and send a proposal. If approved, just wait for the money to be deposited into your account.<\/p>\n\n\n\n

The entire process is online, from simulation to approval.<\/p>\n\n\n\n

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

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

These are the main options for private financing for college.<\/p>\n\n\n\n

Ideally, you should run a simulation on each of the sites so that you can find the most advantageous option for you.<\/p>\n\n\n\n

To resolve any queries you may have about interest rates and payments, please contact the institution of your choice.<\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Conhe\u00e7a as op\u00e7\u00f5es mais vantajosas de financiamento privado para faculdade Financiamento privado para faculdade: voc\u00ea j\u00e1 ouviu falar nisso? O Fundo de Financiamento Estudantil (Fies), certamente, \u00e9 a op\u00e7\u00e3o mais conhecida de financiamento estudantil p\u00fablico.  Contudo, h\u00e1 outras alternativas que tamb\u00e9m podem ser vantajosas para voc\u00ea que deseja fazer um curso superior e n\u00e3o conseguiu… Continue reading<\/a><\/p>","protected":false},"author":21,"featured_media":24256,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%title%% %%page%%","_seopress_titles_desc":"Financiamento privado para faculdade: voc\u00ea j\u00e1 ouviu falar nisso? Saiba agora tudo sobre o cr\u00e9dito estudantil!","_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 privado para faculdade","footnotes":""},"categories":[112],"tags":[],"class_list":["post-24255","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\/24255","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=24255"}],"version-history":[{"count":12,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24255\/revisions"}],"predecessor-version":[{"id":41588,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24255\/revisions\/41588"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/24256"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=24255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=24255"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=24255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}