Recall that in this year the interest rate for those who want to design educational loan for studying at the University, will be reduced to 3 percent. This instruction was given by the President.
still the loan rate for education was 8-16 per cent. For most students this is an exorbitant amount. Experts believe that now the number wishing to issue the educational loan will increase, especially because of the pandemic, many families found themselves in difficult financial conditions.
However, according to the survey platforms, details about educational loans, few people know. Respondents were asked two questions: whether they know about credit and how to relate to such measure of support from the state.
Only 6 percent know about it in detail – you can voice the interest rates, terms of issuance, etc. Another 52 percent had heard something about this possibility, but don’t know the details. While about 42 percent did not know.
To the question “would you recommend the possibility of recourse to an educational loan to their friends” more than half of survey participants answered “Yes”. But only after I read the tooltip about what education loan. About a quarter responded “no.”
– we Can say that the average attitude to educational loan the population is more positive than negative, – commented on the results of study author Ivan Gruzdev. – But the population is rather ill-informed about this possibility. I think these results may be of interest to universities that are closer to the families of the students and can tell them in detail about the possibility of student loans.
According to the Ministry of education, for 2019 issued more than 3 thousand loans to students in 406 schools. Almost a third of these loans took Muscovites – students of the Higher school of Economics, Ranepa, PFUR, Moscow state University and REU them. Plekhanov. Often take credit for training programs legal, economic profile, as well as on a speciality “medical business”.
the Program of educational crediting with the state allows the banks to lend credit for higher education with a low interest rate. During the study pays only the interest on the loan, and the principal debt the borrower starts to pay only three months after graduation. While the loan repayment term – 10 years after graduation from University. But perhaps it will be increased.
