To date, higher education isvery expensive. It is not everyone who can afford it, but almost everybody wants to get such education. Therefore, newly-minted students are arranged for work-earnings, count on the parents' help and the fact that with the new semester the price of training will not jump again. But there is an easy way out, which will avoid worrying about paying for tuition - these are loans to students.
Student crediting - what is it?
Higher education requires serious financialinvestments, and not every student has the right amount to pay for the knowledge that he receives. Therefore, banks introduced student loans, that is, loans to students to pay for higher education. However, everything is not as simple as it seems at first sight. Students are far from being the most affluent segment of the population, and therefore they are in a black list of creditworthiness. In fact, banks themselves decided to give loans to students and now they refuse to do it. They are afraid of financial losses, as, as already mentioned, the tuition fees are high, and students are not rich. But still, student loans exist, and loans to students in Sberbank or any other bank will be given in any case, but only if certain conditions are met that are extremely stringent.
Loan without collateral for students
If you are a student and want to take a loan without collateral, without third parties and guarantors, then you may have some difficulties.
Loans to students without security are given outmost banks only if they have reached 23 years. But after all, students graduate from their universities before reaching this age, but the bank is still more important than the guarantee of repayment of lending money, so here you will not do anything - you will have to wait 23 years and take out a loan for training when this training is already completed. Absolutely absurd! How can I borrow a student from the age of 18, when they only enter a higher educational institution?
Loan with collateral for students
For an eighteen-year-old student, the only way out is to take out a secured loan.
This means that for the entire duration of the training you willyourself with a third party debt obligations. There is, of course, a collateral option, but not all banks are considering it. In addition, if a student does not have the money to pay for his studies, where will he find the means to make a deposit? Therefore, loans to students are usually made through third parties, through an intermediary or under a guarantee. If you are on good terms with your parents, then they will be the best third person you can find. Parents are always well-off to take out a loan, but more often than not this is not a suitable option. If parents have money to pay for a loan, it is easier for them to pay for their studies at once. More common is the situation where the student already lives independently and does not depend on the parents. Then it is necessary to look for another guarantor to take out a loan and pay for training.