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Undergraduate closer to reality and students with more opportunities

07/07/2014

This article was translated by an automatic translation system, and was therefore not reviewed by people.




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Ana Carolina has funded 100% of the course fee, you will pay just a year and a half after graduation. Photo: Lucas Benevides

Experts point out the advantages of using the resources of the Fund for Student Financing of the Federal Government and highlight what it takes attention due to debt

Many job candidates in higher education who can not get into the university attended the vestibular end-of-year do not want to wait for another year and resolve to make the so-called "vestibular winter", which are offered in the middle of the year. Being mostly in private universities comes into play the issue of tuition. But the cost of the intended course can be paid through the Fund for Student Financing (FIES), which helps the student and the student's parents, the bancarem studies in higher education funding to triple the time the students remaining in college.


Since 2010, the National Fund for Education Development (ENDF) has become the Operator Agent program, which is linked to the Ministry of Education (MEC) and thus interest rates fell to 3.4% per year. Already in the second half of 2014 also put the other new Fies in evidence, as the possibility of funding of post-graduate, masters and doctorate, released last Wednesday in the Official Gazette, after the announcement by Education Minister Henrique Paim.


According to finance professor Ivando Silva de Faria, Universidade Federal Fluminense (UFF), the Fies is an excellent option for students who want to enter higher education through a private college, because during the course the student pays the interest on the debt so that it does not increase, and then have a long term to amortize the outstanding balance. "The earning potential of a trained person is much higher than with high school. Safer to pay the teachings working on a mid-level job, "he said.


The operation is very simple Fies. After hiring the funding during the duration of the course the student will pay a quarterly installment of R $ 50, which is related to the interest of the loan, to prevent the debt from rising. After completion of graduation, the student has 18-month grace period so you have time to get a place in the labor market. Finished the grace period, the outstanding student will be paid in up to three times the funded period of the course plus 12 months. That is, for a course of four years, funding may be extended for 13 years (3 x 4 years + 12 months).


However, the economist calls attention to the care in acquiring funding, because there are many plots and a long debt to be acquired, most often, for such a young person, you'll be stuck with this debt years. To have no problem with that, Ivando recommends that students stay tuned to the desired position of the minimum wage, as it can be small despite being higher level and complicate having many years of benefits to be paid.


The expert also warns about the quality of the course. "Even if the salary is low, a portion of £ 400 is not hard to pay for a person occupying a position of higher level. But the candidate must be attentive to the quality even if the intended course will not leave with a degree of questionable value market that you will not open many doors. Then it can be complicated, "said the expert.


Despite this caveat, the economist believes that, with the Fies, everyone can come out winning. "Win the student with optimal rates of funding, the government wins, it will heat up the market with a more qualified professional wins and society, which will gain a more cultured and intelligent citizen. This has to be adopted by universities around the country, I think a great deal, "he said.


A student of the second period of Production Engineering at Anhanguera, Ana Carolina Rebello, 24, is one of those students who could not be at university if I could not finance the Fies. She said she knew the program but did not have many details on the payment methods, but it was at the university itself, in a kiosk program, she had access to the information they needed.


"I've done the entrance exam knowing that could only continue the college if he could Fies. The tuition is very expensive, over £ 1000, and I would not pay. So after graduating I'll have the time and conditions to repay this debt with no problem, "he said.


Ana Carolina bill that funded 100% of the course fee, you will pay just a year and a half after graduation. It reveals fear not having difficulties to afford the installments.

"The internship pays about £ 1500 and when I get one I will have to prepare myself to bear the plots that revolve around U.S. $ 400. Than when I finish college and get the time to pay, I will be employed and working in the area, "he said.


Besides the option to finance 100% of the course, there is still the possibility to finance half the value of the parcels. In the case of Anne, with the portion around £ 1000, it would pay £ 500 a month after graduation and would pay the rest in the same period of 13 years. There is still the possibility to finance 75% of the value. The percentages of discounts are released according to family income, the higher the income the lower the discount.

Another student who decided to finance 100% of the course was Mariane Rodrigues, 19, who is in the first sentence of Law at the University Estacio de Sa. She also says she could only go to college with the aid of the FIES, otherwise could not afford the expense.


"I knew the program through advertisements of state government that's on TV and went to college later to inform me better about the program," he said.


Unlike Ana Carolina, who fears afford the installments, Mariane it says a little afraid with their integration into the labor market.


"I'm afraid can not afford the installments, because the law is a very busy area, but there are several options and I believe that I will be acting in the labor market. This is pass the test of OAB, but a year and a half should be enough, "he said.



Source: Fluminense

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