Military Review

Features of a loan for higher education

64
In all universities, the number of budget places is always limited. It is not always possible to pass all the entrance exams even to a graduate with a gold medal. In this case, parents are thinking about a loan for education. A specialist diploma now is a ticket to a good job with a decent salary, if you apply your own desire and hard work to this. Therefore, studying at a university is a must in the life of every civilized person. However, this will initially have to spend a little money.


For most parents, taking out a loan for their child’s education is the best option. Fortunately, many banks provide this service. The difficulty lies in the fact that the loan will have to pay for quite a long time - up to 12 years. In addition, the average rates fluctuate at 17-19% per annum.

One of the solutions to the current problem may be a loan with a deferment. This means that the first five years of study is paid by the bank. And the next five years is the borrower at his own expense. It is important to consider that some banks directly cooperate with universities. In this situation, it is necessary to clearly define in which institute the applicant wants to study and what conditions are created for processing a loan.

How to get a loan for studying in high school?

To obtain a loan, you need to obtain documentary evidence of the enrollment of a student at a particular university. This form is provided to the bank. The amount of the initial payment, which is paid immediately, is calculated individually. It is important to consider that the loan funds are not transferred to the borrower. The money goes to the school account. It is also important to clarify that you need to periodically confirm your place in the list of students if the university requires payment every semester.

Not only parents can act as a borrower. The student himself can play this role. To do this, you need to be older than 14 for years, to have Russian citizenship. If a student wants to take a loan for education, he must document the fact of his enrollment in a particular university and passing all entrance examinations. Parents can act as guarantors. You can also leave the collateral and documents on it.

What if you need to get a second education?

You can get a loan and get a second higher education. This procedure is also suitable for payment of various courses, advanced training. It is important to note that it is possible to take a loan for education both for study in Russian and foreign universities.

The nuances of loan processing should be clarified in each case individually. It is better to study a few offers from different banks and choose the best option, with which you will not feel debt burden and a strong disadvantage in other spending.

It is noteworthy that the Russian government supports the program of educational loans. Now this trend is developing and becoming common practice. Also, adjustments are regularly made to Education Actthat create favorable conditions for both parties. Now, Russian students will not feel financial constraints if they want to get a good specialty with which to build a successful career.
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  1. Dazdranagon
    Dazdranagon 28 January 2016 15: 19 New
    +3
    And parents can still get a tax deduction! A trifle, but nice! wink
    1. St Petrov
      St Petrov 28 January 2016 15: 46 New
      11
      a loan at 17% per annum is hell. Adish. It is only for the booty

      for 10 years - 170% or 190%

      And what is not 500? Or is it too arrogant? Why is 170 not too brazen? In general, I read articles about loans and rejoice to myself - that I have no loans.

      Or a mortgage - 10% per annum (there is such a thing) - this means you will pay the cost of two apartments in 10 years. It’s hard to accumulate - but to penalize. How rich should one be so that it’s not a pity to give a can to a bank (bankers can feel sorry for not eating up?) A couple of three million

      1. Dazdranagon
        Dazdranagon 28 January 2016 15: 55 New
        +5
        Quote: s-t Petrov
        Or a mortgage - 10% per annum (there is such a thing) - this means you will pay the cost of two apartments in 10 years. It’s hard to accumulate - but to penalize. How rich should one be so that it’s not a pity to give a can to a bank (bankers can feel sorry for not eating up?) A couple of three million
        - if you want to move to another city where there is no own housing, a mortgage is the only way out, unless of course there is money at once for the whole apartment. After 5 years, the amount of payment of the mortgage will be less than the cost of renting an apartment. hi
      2. Zoldat_A
        Zoldat_A 28 January 2016 16: 26 New
        17
        Quote: s-t Petrov
        Redit at 17% per annum is hell. Adish. It is only for the booty

        for 10 years - 170% or 190%

        And what is not 500? Or is it too arrogant? Why is 170 not too brazen? In general, I read articles about loans and rejoice to myself - that I have no loans.

        What are we discussing here? ABOUT PAID higher education.

        I received two higher education in the USSR for FREE - military and civil. Maybe you should not think HOW to do better, but to do as it was?
        1. aleks 62 next
          aleks 62 next 28 January 2016 16: 43 New
          +3
          .... Maybe you should not think HOW to do better, but to do as it was? ...

          ...I agree...

          .... studying at a university is a must in the life of every civilized person ....

          .... Why ???? .... Universal "higher education" ???? .... With very low quality .... request
          1. KBR109
            KBR109 28 January 2016 16: 54 New
            +8
            The conclusion from the quotation is that those without higher education are not civilized people. I haven’t twisted anywhere belay no ?
            1. aleks 62 next
              aleks 62 next 28 January 2016 16: 57 New
              +2
              .... Conclusion from the quote - those without higher education are not civilized people. I haven’t distorted anywhere, belay no?

              ... According to the logic of the author of the article - yes .... hi
        2. The comment was deleted.
        3. Nikolay K
          Nikolay K 28 January 2016 17: 24 New
          +2
          When I entered a university during the Soviet era, 70 percent of applicants went there for vyatka, for pulling and other informal reasons. My cousin, who lived in Baku, was forced to enter the Astrakhan Medical Institute, because it was several times CHEAPER than entering the local honey, where "random" people were not taken at all. That is, in fact, in the USSR there was already paid education in high-demand universities, but it was in the format of corruption.
          You can enter the university for free now. But someone didn’t have enough knowledge, someone failed the exam, the stories are different, and therefore I think it’s right when a person has a choice: to study for free at the university where you pass points or study where you want to, but already at my own expense.
          By the way, I know prestigious universities where they make significant discounts on education for those who have a high score in the USE (a little less than the passing) or who later successfully study, up to and including transfer to the budget department. And this is right: if you want to study for free - study well. It’s impossible to study well - pay for training at your own expense, and not at the expense of the state.
        4. dauria
          dauria 28 January 2016 18: 40 New
          +6
          Maybe you should not think HOW to do better, but to do as it was?


          smile А as was to remind? Out of four eighth grades, only 2 ninths were formed. Half should was to go to a vocational school or to a 4-year study at a technical school (admission to which is not yet guaranteed) - this is the first dropout. Of the remaining 2 tenth grades, an average of 20 out of 60 people entered universities from the first entry. Documents only in 1 university, entrance exams are quite serious even in "non-prestigious" Losers - in a technical school, or for work and in the army.
          The number of stubborn people entering the second (or after the army) is small. No matter how "prestigious" the job, a university graduate received less than a worker with a 5-6 grid.
          Who will let you now so to select applicants when education is a profitable business akin to printing counterfeit money (They’ll put money for it, but not for diplomas laughing )
          Now the applicant is looked at as the buyer of the diploma, and the buyer "is always right" laughing
        5. alecsis69
          alecsis69 29 January 2016 11: 05 New
          0
          Not that it would be completely free. There was a distribution system. After graduation, the young specialist had to work an average of 3 years where he was indicated, only after that he could choose his own place of work. Thus, he seemed to compensate the state for the money invested in his education; a free diploma was a rarity. On the other hand, the young specialist was guaranteed employment and then he already chose his place of work having certain experience. The distribution system fell apart sometime in the year 92 - 93, I was in the 3rd or 4th year, then in general the whole industry was falling apart.
          I am not against paid education, but I think that there should be significantly more budget places than now.
      3. Sanmak
        Sanmak 28 January 2016 16: 54 New
        +9
        You see, soon the funeral on credit will begin to draw up !!! ???

        Russia's problem is not that it cannot feed the poor, but that the rich cannot get drunk in any way.
      4. ARES623
        ARES623 28 January 2016 18: 31 New
        0
        Quote: s-t Petrov
        a loan at 17% per annum is hell. Adish. It is only for the booty

        for 10 years - 170% or 190%

        Or not very, to put it mildly, far-sighted, especially a loan for the education of a child. The fact that graduation is inevitable is often quite clear. The fact that no deduction will cover the overpayment of the taken amount with interest is also almost clear. So can saving money in advance be more profitable?
      5. Stranger03
        Stranger03 29 January 2016 05: 57 New
        0
        I just did not understand how this article relates to the topics of the forum ...
    2. Dante Alighieri
      Dante Alighieri 29 January 2016 12: 14 New
      0
      You can get a deduction of no more than 6 per child, regardless of how much was spent. So the average fee per year of study at a university in my native Altai Territory is from 500 thousand rubles (in "prestigious" areas a la jurisprudence and even higher), of which, in theory, should have returned a little more than 80 thousand, but no 13 and not a penny more. And do not forget to add to the amount of training the cost of transferring funds to the account of the educational institution, and this service, as a rule, ranges from 6 to 500% of the payment amount.
  2. Massik
    Massik 28 January 2016 15: 20 New
    +6
    Heh, the government does not think about its citizens at all, but banks think about them ...
    1. alicante11
      alicante11 28 January 2016 15: 32 New
      12
      Heh, the government does not think about its citizens at all, but banks think about them ...


      In-in, they think, how else to plant a poor citizen of Russia in a debt hole. Not a car so an apartment, not an apartment, so an education. With such prices, shoes are already offered on credit.
      1. 79807420129
        79807420129 28 January 2016 15: 43 New
        11
        Quote: alicante11
        Heh, the government does not think about its citizens at all, but banks think about them ...


        In-in, they think, how else to plant a poor citizen of Russia in a debt hole. Not a car so an apartment, not an apartment, so an education. With such prices, shoes are already offered on credit.

        Yes, life will soon begin to offer credit, I won’t be surprised.
        1. St Petrov
          St Petrov 28 January 2016 15: 53 New
          +8
          in Omerik this is normal. There, people like me look in disbelief and are surprised at the empty credit history.

          They die with open loans.

          1. 79807420129
            79807420129 28 January 2016 15: 56 New
            12
            Quote: c-Petrov
            in Omerik this is normal. There, people like me look in disbelief and are surprised at the empty credit history.

            They die with open loans.

            And their children and grandchildren are paying for them, thank God I don’t have loans, as I can do without them, but the children and grandchildren will remember with gratitude.
          2. Cube123
            Cube123 28 January 2016 16: 20 New
            10
            Quote: c-Petrov
            in Omerik this is normal. There, people like me look in disbelief and are surprised at the empty credit history.

            They die with open loans.


            Robert Sheckley "Cost of Living" - short story
            http://www.oldsf.ru/mastera-zarubezhnoi-fantastiki/rshekli/stoimost-zhizni.html
            "- Listen, son, at your age I also thought about traveling to Mars. I was also attracted by romance. I even dreamed of becoming a master adjuster.
            - What is the matter now?
            “Well, how can I tell you?” I grew up, became an adult ... and I realized that there are more important and serious matters. First I had to pay my father’s debts, then I met your mother ....
            Leela giggled.
            - I wanted to have my own house and hearth. It will be the same with you. You will pay your debts, marry ...
            Billy was silent for a minute. Then he ran his hand over his hair, as straight and black as his father's, and licked his dry lips.
            - Where do I get debts from, sir?
            Carrin delicately explained to him how expensive everything that is needed for the happiness of a civilized person is. You have to pay for things, and children, starting to earn money, must take on part of the debts made by their parents ... "
  3. JonnyT
    JonnyT 28 January 2016 15: 21 New
    +5
    I like the idea!
    But I'm afraid that cruel Russian reality and frantic annual% will make this idea unpopular among the population
    1. APASUS
      APASUS 28 January 2016 15: 42 New
      +3
      Quote: JonnyT
      I like the idea!
      But I'm afraid that cruel Russian reality and frantic annual% will make this idea unpopular among the population

      My friend’s son graduated from Leningrad State University 6-7 years ago, the faculty had something related to oil and it cost my friend $ 5 thousand.
      So, calculate approximately the level of what you like, given the fact that the offspring will really find a real job. (This bolbes wiped his trousers in the company for 4 years, until he found a really real job)
  4. MIKHAN
    MIKHAN 28 January 2016 15: 22 New
    14
    Something with education is dim as it became ...
    Here is a joke recalled:
    We have 15 employees at the company and only two have higher education! The cleaning lady and the courier .. Curtain!))))
    And a loan for education is bullshit (he worked as a loan officer a long time ago) ...
    Education now (for the most part) is one name! I have something to compare with ..
    1. 222222
      222222 28 January 2016 15: 32 New
      +3
      MIKHAN (9) RU Today, 15:22 PM New
      Something with the formation is cloudy as it became ... ""
      .. educational CROSS?
      1. MIKHAN
        MIKHAN 28 January 2016 15: 47 New
        +3
        Quote: 222222
        MIKHAN (9) RU Today, 15:22 PM New
        Something with the formation is cloudy as it became ... ""
        .. educational CROSS?

        Well, what do you touch Orthodoxy again? What do you want our Russian Orthodox Church as a bone in the throat? The Russian Orthodox Church is separated from the state, enough is enough (by the way, education there is very good and not everyone is accepted there)
        1. KBR109
          KBR109 28 January 2016 17: 03 New
          +1
          belay Exactly separated? And why does the Honor Guard meet Citizen Gundyaev? wassat Dear 222222, I want to note that in your "cross" there is a place for universities, the number of which has increased 5 times, probably. The level of education that they give, respectively, has decreased by the same amount.
    2. Egen
      Egen 29 January 2016 05: 51 New
      0
      A specialist diploma now is a ticket to a good place of work with a decent salary, if you apply your own desire and hard work to this.
      Quote: MIKHAN
      Education now (for the most part) is one name! I have something to compare with

      I agree, this is all bullshit. There is no education as such now. We take our city of Kemerovo. Yesterday news - Rector Kem Gos. Univer went to the deputies, in his place the rector of KemTIPP, a small pastry institute, was appointed minister of education. Yes, in owl times even people from other republics came to it - food universities were rare. But in the first place, he himself has withered away, and the current rector has managed to make him an exemplary monetary institution. It is clear, it is necessary to spin. The entire vertical, from vice-rectors to teachers, is built on receiving money. who knew at least something else and tried to vtyuhnut students - during the years of "government" or kicked out or themselves spat left. Everything is built only on getting money, education, in principle, 1!
      Kemerovo University is one of the good universities in our country. Yes, a lot for bribes, budget places 1-2, but so far there were knowledgeable teachers who taught. But now how to drink and give a new rector with such a system in a year or two will turn the university into the same as him. By the way, newspapers write about the merger of KSU and KemTIPP. This is of course logical, but the education system will be completely off (
      We also have a native Polytech. The only good thing there is mining specialties, and this is only due to the fact that Kuzbass is a coal granary. The rest are all also for money. And students do not care, and students do not care.
      Well and honey academy. A doctor is a vocation that has now been belittled below the baseboard by insurance and criminal laws. Well, the doctor did not have the old guard ...
      Accordingly, when such personnel are asked to work for me - why do they need me, the good of them? Papers can be worn and cheaper.
      Total - it seems like you can study, take a loan, get a diploma - but why, then get a job somewhere, give something with something, "milk - why a cow" (C))
      1. guzik007
        guzik007 1 February 2016 12: 39 New
        0
        A doctor is a vocation that has now been belittled below the baseboard by insurance and criminal laws. Well, the doctor did not have the old guard ...
        ------------------------------------------------------------
        My colleagues have long come to terms with low salaries, with the rudeness of patients and managers, and other charms of the current system, but when they announced to us that now, officially, at the legislative level, we are staff, and former patient patients who are always right, I don’t stood, naughty glavnyuk and then swelled ...
        It’s easier for young people, they quickly realized a new formula: customer-service-payment. Here is the logical outcome of all the many years of health care reform.
  5. Kolyan 2
    Kolyan 2 28 January 2016 15: 22 New
    +2
    It is noteworthy that the Russian government supports the program of educational loans. Now this area is developing and becoming a common practice.

    In addition, rates fluctuate on average 17-19% per annum.

    But the government could not have taken the interest, it would have been right or the state didn’t need educated personnel, otherwise they would have thrown everything at the parents and fuck ... whatever you want. And also, if employers are to be pulled up who is interested in personnel, the conditions can be worked out, not a problem. And everyone benefits. And the parents will remain in gear.
    1. Altona
      Altona 28 January 2016 15: 30 New
      +5
      Quote: Kolyan 2
      And also, if employers are to be pulled up who is interested in personnel, the conditions can be worked out, not a problem. And everyone benefits. And the parents will remain in gear.

      ---------------------------
      Now there is a universal answer to everything: “these are your problems.” As for employers, the employer of a small company is a flawed creature who does not know what kind of staff he needs and confuses the specialist's functionality with the marketing program of his company, asking each incoming engineer the question: “what are you you can give us ". "Give it to us", and not we will give you, except for the promise "registration according to the Labor Code of the Russian Federation in a dynamically developing company."
  6. Altona
    Altona 28 January 2016 15: 23 New
    +9
    For me, paid education in itself looks like wildness. In the distant 80s, we were told at lectures on philosophy that knowledge should be free and the countries of Southeast Asia are striving to provide universal higher education, because in life they need two, a basic technical one and a second legal or economic one. But it turns out "you have to pay for everything in life."
  7. venaya
    venaya 28 January 2016 15: 23 New
    -2
    In order to make it possible for us to create a guaranteed normal future, it is necessary that the most worthy of the most worthy study at universities, let the rest receive the desired education at their own expense.
    1. Saratoga833
      Saratoga833 28 January 2016 17: 24 New
      +4
      Quote: venaya
      the rest let them receive the desired education at their own expense.

      So these "others" are the kids of our thief, and after they buy their folders the diplomas they need, these "others" will "lead" the worthy ones!
      1. venaya
        venaya 28 January 2016 18: 35 New
        +2
        Quote: Saratoga833
        these "others" are the kids of our thief, and after they buy their folders the diplomas they need, these "others" will "lead" the worthy ones!

        In all cases, they will lead, with or without a piece of paper, and most likely they will simply draw it, now it’s not at all expensive, it won’t get better anyway, I think you will agree with this statement.
  8. OMEDB
    OMEDB 28 January 2016 15: 24 New
    +4
    Why is this article here what Recently, I have been perplexed about the selection of articles on this resource. request
  9. Great-grandfather of Zeus
    Great-grandfather of Zeus 28 January 2016 15: 31 New
    +5
    Now kridit is slavery !!!
  10. Alexey M
    Alexey M 28 January 2016 15: 37 New
    +4
    It’s time for the tax to get interested in our universities. And then the cost of training in some over 200000 per semester exceeds. Is it generally not fat to ask for such tuition fees. Are there gold desks or Nobel laureates teaching?
  11. Cobra77
    Cobra77 28 January 2016 15: 41 New
    +8
    Quote: venaya
    In order to make it possible for us to create a guaranteed normal future, it is necessary that the most worthy of the most worthy study at universities, let the rest receive the desired education at their own expense.


    Yes, exactly why we need educated people. They ask questions. Let's go back to the time of the RI, where 90% were not educated at all. If we want the country not to go into the third world category, now we are already in the second world through the efforts of young democrats, education should be as free as possible and supported by the state as much as possible. "We lost space to the Russians at the school desk" (c) Kennedy. Paid education is the worst thing you can think of to degrade a country in 20 years.
    1. QWERTY
      QWERTY 28 January 2016 15: 55 New
      +1
      Now people with the so-called "higher" education and so a dime a dozen. They have opened a bunch of all sorts of ridiculous useless universities. In every village, if not a university, so an academy. But now every seller of telephones and household appliances has a higher education. Therefore, the problem of the inaccessibility of higher education is exaggerated.
      1. Saratoga833
        Saratoga833 28 January 2016 17: 28 New
        +1
        Quote: ytsuken
        No mind to learn for free - pay.

        Only now an empty head with a diploma by and large does not need anyone!
    2. MIKHAN
      MIKHAN 28 January 2016 15: 56 New
      +5
      Quote: cobra77
      education should be as free as possible and supported by the state as much as possible. "We lost space to the Russians at the school desk" (c) Kennedy.

      That is the whole point! And the loans of the mute of the Unified State Examination, etc.et all this leads to the animal state of consumerism ..
      There is no creativity in education and there is nowhere to swing! Childhood in the USSR, who remembers, there, from an early age, they taught creativity and flight of thought .. Everyone dreamed of space with aviation and working specialties were also at a high level (remember the film "Moscow Does Not Believe in Tears"?) Then everyone was vulgarized and destroyed until now .. Here So it goes!
      1. Saratoga833
        Saratoga833 28 January 2016 17: 31 New
        +1
        Quote: MIKHAN
        Then they vulgarized and are still destroying

        And the question of Livanov’s resignation immediately stalled! It can be seen that our managers really want to see an illiterate society not of creators, but of pure consumers.
    3. venaya
      venaya 28 January 2016 16: 30 New
      +4
      Thank you for the question you raised and the answer to my post, as well as for repeating my frequent quotation here of R. Kennedy's phrase, you are already quoting him for the second time after me. The only remark: do you want to give absolutely everyone one or two higher education? After all, both in the article and in my post, it is only about universities. It seems that you are not familiar with the problems of even secondary education, where unsuccessful students pull the rest of the class down with them, similar problems arise in universities. If a person has money, then his offspring can study for free if they prove their abilities, but for goofs who are not capable of productive work but who want to get crusts that will not give any sense to the future of either the country or the owner of these crusts, it is desirable training is paid. Why the state and society should pay for education of useless foolish people. Look how many people even on this site boast of their diplomas and rather poorly represent even the fields of science in which they should specialize. Yes, I personally am an ardent supporter of improving secondary education with the obligatory introduction of the subject "logic", at least according to Vinogradov's textbook, but giving one or even two higher educations to everyone, I personally consider an economic sabotage, not otherwise. Someone must work as a highly skilled worker? Or do you consider it already obsolete, useless occupation?
      1. Saratoga833
        Saratoga833 28 January 2016 17: 34 New
        0
        Quote: venaya
        for boobies who are not capable of fruitful work but who want to get crusts

        Such people need to be immediately driven away from the university without fear and doubt, no matter how much the thief folder paid for it!
        1. venaya
          venaya 28 January 2016 17: 54 New
          +1
          Quote: Saratoga833
          Such people need to be immediately driven away from the university without fear and doubt, no matter how much the thief folder paid for it!

          Practice shows that in this case the thief-folder will find someone else to pay, but this will not be a university or a state, but rather unpleasant shadow structures. Your proposal is able to contribute to the development of very unpleasant trends among university employees, you do not want to notice this, but it's a pity.
      2. Villon
        Villon 28 January 2016 17: 49 New
        +2
        Dear venaya, I do not see why a person with one or even two higher educations cannot work as a highly skilled worker. I also do not see why a highly skilled worker should not be able to receive one or even two higher educations. Work as a highly skilled worker should not be a necessary necessity, but a free preference. And, accordingly, it should be paid high.
        1. venaya
          venaya 28 January 2016 18: 00 New
          +2
          Quote: Villon
          why a person with one or even two higher educations cannot work as a highly skilled worker.

          Elementary Watson, highly skilled workers give so far the best results with secondary technical education, perhaps in the future the percentage of university graduates will increase in their midst, but this is not a short-term prospect, although there are examples where nothing can be done without a higher one, while it’s quite rare an exception, but I also observed it.
          1. Villon
            Villon 28 January 2016 21: 42 New
            0
            And what follows from here? What higher education interferes with work?
    4. Altona
      Altona 28 January 2016 17: 34 New
      +5
      Quote: cobra77
      Paid education is the worst thing you can think of to degrade the country in 20 years.

      ------------------------
      Nobel laureate in physics, academician of the Russian Academy of Sciences Zhores Alferov asks a completely reasonable question.

      “If a citizen is forced to pay for education and medical services, to accumulate a pension from his own funds, to pay housing and utilities in full at the market price, then why do I need such a state ?! Why should I still pay taxes and maintain a crazy army of officials? he always said at all levels that health care, education and science should be provided from the budget. If the state puts this concern on us, let it disappear, it will be much easier for us! "
  12. sw6513
    sw6513 28 January 2016 16: 01 New
    +1
    Paid education is time spent in vain. Already right away, you would assign an amount and buy a diploma .. All the same, the student will not get much knowledge for money. My relative paid a graduation from the institute and writes two grammatical errors in a word ..
  13. Cobra77
    Cobra77 28 January 2016 16: 15 New
    +2
    Quote: ytsuken
    Now people with the so-called "higher" education and so a dime a dozen. They have opened a bunch of all sorts of ridiculous useless universities. In every village, if not a university, so an academy. But now every seller of telephones and household appliances has a higher education. Therefore, the problem of the inaccessibility of higher education is exaggerated.


    Yes, exactly, and the school is also superfluous. 11 classes are definitely not necessary. 3 classes to read the names on the packaging of the goods and 4 arithmetic operations to pay off at the checkout. Well, the foundations of Orthodox culture must be sure, otherwise the braces will not be installed correctly. Literature, history, geography are all unnecessary. Philosophy is especially not needed, otherwise they suddenly learn that there are concepts of formal logic, materialistic dialectics, this is almost an undermining of statehood. It is also necessary to enlarge the universities as much as possible so that they would be of the artillery-historical type with a philosophical bias. "Literate consumer" is our future. So we will win!

    Here is my eldest 7 years old. After 10, he will need to go to the university. And I look at the bacchanalia in education, especially in higher education, and understand that if this goes on according to your precepts, then he will definitely not study in the Russian Federation, especially my younger one. And if he does not study here, then it is highly likely that he will not return here. What for? Patriotism? Hmmm. Well, actually it needs to be educated and reinforced.

    You are obviously not many years old and have no children either. Gather a little mind and experience, have children then already begin to talk about education. And then it’s impossible to read all your passages without laughing.
    1. QWERTY
      QWERTY 28 January 2016 16: 31 New
      -1
      You generally read carefully, dear? Why is this your post? What does the school have to do with it? I'm talking about Thomas - it's about Yerema. It’s certainly not for you to judge my mind and experience. I personally studied for FREE. I even received a scholarship, really a penny))). Have budget places in universities been canceled? In my opinion, no. If your son does not have enough ability to enter a budget place Who is to blame? State? Putin personally? Bad heredity?
  14. tol100v
    tol100v 28 January 2016 16: 15 New
    +6
    As I understand it, more than 90 percent of those present on this resource received free higher education during the Soviet era. And no one can reproach the quality of an old, good education. And what is happening now with the Higher School was not discussed only by the most lazy or absolutely illiterate. Squeezing out education into a paid sector is a powerful sabotage against the peoples of Russia! Talents from the hinterland simply will not have the opportunity to open up! And in this case, we should not expect the emergence of new Lomonosov!
    1. QWERTY
      QWERTY 28 January 2016 16: 34 New
      +1
      No, years of study 2001-2006. Two-thirds of the groups studied for free. Someone in a targeted direction, someone just on a budget. There was even an opportunity to switch from paid education to free, subject to an "excellent" end of the academic year.
  15. Leo7777
    Leo7777 28 January 2016 16: 36 New
    +2
    Quote: Zoldat_A
    I got two higher education in the USSR for FREE

    in Russia you can get only 1 for free
  16. Whowhy
    Whowhy 28 January 2016 16: 51 New
    +3
    There is one more nuance. Universities raise the price every year, but refuse to accept fees immediately for the entire time of study, because there is such a law (although few people follow it for some reason) that prohibits recalculating the payment for longer-time services if the payment has been made ahead , completely at the prices that existed at the time of payment. I came across this when I registered maternity capital as payment for my son’s education.
    And when taking out a loan it turns out to be a "pig in a poke" ...
    By the way, in our country there is not only a complete degradation of the authorities, but also specialists - not a single lawyer could explain to me how legitimate this is from the universities (refuse to accept payment for the entire term).
  17. dobrovic
    dobrovic 28 January 2016 17: 09 New
    +4
    and canceled free education or what?
    And if according to the article, then I don’t understand, at the age of 14 you can’t fuck, but you can take out a loan?
  18. Altona
    Altona 28 January 2016 17: 18 New
    -1
    A little about education and upbringing. Right now they are being given the right education, otherwise we were "wrongly brought up and educated." We are waiting for Abramovich's yacht model.
  19. Villon
    Villon 28 January 2016 17: 23 New
    +2
    Quote: venaya
    In order to make it possible for us to create a guaranteed normal future, it is necessary that the most worthy of the most worthy study at universities, let the rest receive the desired education at their own expense.

    And how to determine who is the most worthy of the worthy? Either this is determined in the course of studying at a university or in schools. If in schools, then they should be focused on the further education of graduates in universities. At present, schools only develop social intelligence, and that is not enough. And if you determine the most worthy in universities, it is necessary that there was someone to choose from, that is, in principle, that everyone could enter them.
  20. Cobra77
    Cobra77 28 January 2016 17: 34 New
    +2
    Quote: ytsuken
    You generally read carefully, dear? Why is this your post? What does the school have to do with it? I'm talking about Thomas - it's about Yerema. It’s certainly not for you to judge my mind and experience. I personally studied for FREE. I even received a scholarship, really a penny))). Have budget places in universities been canceled? In my opinion, no. If your son does not have enough ability to enter a budget place Who is to blame? State? Putin personally? Bad heredity?


    I read it carefully. But you obviously didn’t understand the damn thing from what I wrote. I will judge you and those who read your posts. You are what you write in them and no more. Everything else is only in your head.
    You don’t even bother to understand the essence of paid education and the limitation of budget places. Today, half the budget, tomorrow a third, the day after tomorrow how much? This is a waste. Why do our government need them? They at $ 120 per barrel reduced education and social programs. And now then, there’s even an excuse. Do you know what this leads to? Property qualification for education.
    Yes, the state is to blame and those like you supporting the reduction of spending on education. And whether GDP is personally to blame, but on the whole I don’t care, it is not he who decides in our country.
    1. QWERTY
      QWERTY 28 January 2016 19: 02 New
      0
      Again, it began. I repeat, I studied for free. My little brother the younger one studied for free. A lot of my friends studied for free. That is, in any case, there is the possibility of free training. It’s good to pass the entrance exams, or fit into some kind of organization and study in target direction. But this is something like a loan, you have to work out. According to your logic, should everyone be taught at all? Regardless of ability? Spawn a couple more million lawyers and managers?
  21. Saratoga833
    Saratoga833 28 January 2016 17: 45 New
    +3
    It is my deep conviction that paid education in Russia is a direct sabotage against the future of our people! You cannot buy knowledge for a fee! And what is happening now in education under the leadership of Livanov, adored by the Duma, cannot be called anything other than the collapse of the education system. We grow headless inert consumers without even a hint of creative development. Our "educators" both eyes have blocked money!
  22. hartlend
    hartlend 28 January 2016 18: 44 New
    +3
    You see how everyone was brainwashed. Everyone thinks it is in the order of things that education is paid for. And that loans must be taken against it and interest paid. And you can also get tax deductions - it's generally cool. Comrade Stalin is involuntarily remembered when the children of workers and peasants could study. And tax deductions were unnecessary. There were no "specialists" either, there were engineers. But the resignation of Livanov in the Duma is not even discussed.
    1. QWERTY
      QWERTY 28 January 2016 19: 04 New
      0
      And now the children of workers and peasants can study. Not at MGIMO, of course. A guy from the village studied with me. I graduated from school with a silver medal. I did not even take entrance exams. It is not clear what the problem is? In the absence of the ability to pass the entrance exams?
  23. dobrovic
    dobrovic 28 January 2016 19: 43 New
    +1
    not so scary paid or not ... out in Switzerland - paid, 10 years ago it cost 400 euros per semester, despite the fact that the parents earned 10 thousand each ...
    Yes, we have an education system and science is falling apart ... whether by chance or on purpose and whether the GDP itself is to blame for this, I don’t know ... but this is destroyed ...
  24. Awaz
    Awaz 28 January 2016 20: 54 New
    0
    Well, the system is now arranged such that it would breed people with grandmas by any means. On the other hand, it is like legitimate corruption, which allows, in general, the part of those who really want something and can get a free education. It’s easier in quiet semester after semester terms to pay on the paw and not even appear in the university than to give not a few grandmothers for admission and then also to suffer at lectures and sessions.
    Well, taking loans for study is the same as for a wedding ... IdIoTiZm
    If money is not enough, it is possible to enter a thread at a Zamukhran university and quietly torment it, and it will be cheaper and maybe in the wilderness the brains will be set
  25. Blaster
    Blaster 28 January 2016 20: 56 New
    +2
    Shame on the government! I hope it is temporary
  26. sergant67
    sergant67 28 January 2016 21: 59 New
    0
    Quote: ARES623
    Quote: s-t Petrov
    a loan at 17% per annum is hell. Adish. It is only for the booty

    for 10 years - 170% or 190%

    Or not very, to put it mildly, far-sighted, especially a loan for the education of a child. The fact that graduation is inevitable is often quite clear. The fact that no deduction will cover the overpayment of the taken amount with interest is also almost clear. So can saving money in advance be more profitable?


    I myself understood that I thought)))) Whoever has them they do not need to postpone .... And who doesn’t have them.)))
    1. ARES623
      ARES623 29 January 2016 09: 30 New
      +1
      Quote: sergant67
      I myself understood that I thought)))) Whoever has them they do not need to postpone .... And who doesn’t have them.)))

      I am embarrassed to ask "who does not have them" how they plan to return the loan, and even with interest. To a greater extent, it seems to me that "credit slavery" is the result, to a large extent, of the inability to build one's own microeconomics. It is clear when a young family grows up as a child and without a mortgage loan it is difficult to build the necessary conditions for life, but you can start saving by "three rubles" per child from the birth of this child. In any case, it is cheaper than borrowing money for a school, for a university, and to facilitate the same mortgage for children, if it turns out to attach a child to the budget. And the fact that they say that there is not enough money, then money always has only two states: "they are few" and "they are not." With all this, it is very rare who tries to conduct their "micro-accounting" in order to find "growth reserves". I live like that myself, and teach children. That is why I don’t take loans in principle, I don’t want to feed the banks. And you are free to do as you like, take loans for phones or televisions, on vacations, for cars - this is all your right. After all, the bankers must have someone to feed.
  27. Zomanus
    Zomanus 29 January 2016 06: 51 New
    0
    There is still garbage with higher education.
    Training is being created for a new specialty at a university, say, an environmental economist.
    Here the children study, payment, bribes, etc. ... and after four to five years they revoke the license
    in this specialty to a given university.
    And in fact, all these five years and all these means to the dog under the tail.
    Then, in order to understand who is studying, you need to understand the movement of our policy
    and economics. Or we are traders, then economists, accountants, marketers.
    Or we are industrialists, then technologists, engineers, designers.
    And now there is a concrete change in the system of the country.
    And more importantly, the level of education should be consistent with the current level of work.
    Whatever it is that they are taught on a lathe, and at the enterprise a machining center.