Higher education in Brazil has never been so accessible. If before the access to public universities was further complicated by the number of vacancies, and the private education was inaccessible because of the tuition fees, today every Brazilian citizen has a chance to go to college. If you have not been admitted to a public selection process or not having the desired course in federal or state universities near your city, you can try a student loan. Want to know how? Then see our post.

FIES - Student Financing Fund

It is the most comprehensive costing model of the country, held by the Federal Government in partnership with the CEF. However, you must have some requirements: have done the Enem the previous year and that the chosen course is recognized by the Ministry of Education. In addition, addition, there are two forms of financing: the total and partial. To achieve the full, the subscription price must correspond to more than 60% of income per capita family. If you do not enter this rule, can achieve partial funding - for that the subscription price must be at least 20% of income per capita So you will pay only half the amount per month. Other features that make the student cannot apply for the FIES are: if it was already benefiting from the program, if the registration locked in an institution, it is in default with the Student Loan, if your family income is more than 20 salaries and minimum monthly commitment is less than 20% of brutaper capita income. Remembering that it is funding, so it is a debt that you will make. To repay the financing, you have a deadline three times larger than the size of the course. In addition, you must pay an amount of approximately R $ 50 every three months to shoot the final amount of the loan during the period of the course.

Private credit

If you do not fit into the FIES profile (is at the discretion of the Enem or finance), you can achieve the graduation financing with private banks. Virtually all of them do this type of loan - Itaú Unibanco, Santander and Bradesco. The ease varies with the bank. Itaú Unibanco finances up to 50% of the tuition amount, with interest of 6% per year, with more than 90 partner institutions. However, it is subject to credit analysis. Santander already funding the full cost of the course, with interest of 23.4% per year and is also subject to credit analysis. Bradesco funding amounts up to R $ 40,000, interest of 35.28% per year and is also subject to credit analysis.

PRAVALER

The PRAVALER program is funded by companies and some banks. It finances up to 100% of the monthly payment, interest of 22.68% per year However, the interest can be written off if the chosen educational institution makes allowance. With it, you can finance study materials and pay each semester in 12 times, facilitating payment. However, you need not to be in any default in your name and a guarantor with minimum monthly income of twice the monthly price. These are some of the student financing options. Recalling that they are all financing, that is, you should pay the debt when you graduate. So make sure your budget well and his career not to curl up in the future.

Source :  http://blog.mobills.com.br/2015/01/ensino-superior-opcoes-de-financiamento/