O Student Financing Fund (faithful) is a Ministry of Education program and has always been a good solution for students who would like to take an undergraduate course at a private university.
If approved, the student can get up to 100% funding for graduation and payment begins after graduation. The program that started in 1999 became more popular after 2005. Today there are already millions of students who managed to benefit from Fies.
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The great advantage of Fies is precisely the lower interest rates compared to other financing. But the bad news is that since 2014 the government has been restricting the number of beneficiaries each year and many students have not been able to get the Fies. But what to do?
What is the best option for FIES?
The dispute for vacancies in federal universities that have no monthly cost, as in the private one, tends to be well disputed. Even after preparation, a course, not everyone gets approved at a federal university.
Therefore, in order not to abandon the dream of completing a degree, students end up choosing to study at a private university. But is this the best option?
Think about some of these possibilities:
Once approved, or even before, find out if the college has its own funding for undergraduate courses and check the conditions and interest. Pay close attention to interest rates. college credits, pronounce, Bolsa-Universidade Program, Educa Mais Brasil are some of the program options. But it is necessary to see how these programs are progressing.
The monthly financing can be from 2 to 3% per month. But there are also banks that offer interest of 10% per annum. This depends a lot from bank to bank and from universities and colleges. In the case of Fies, it is only 3.4% per year (one of the best).
Scholarships at Private Colleges
If you passed the private university, you can see what it's like to work at the university and get a discount as an employee or technician at the Institution. In the case of UNISC (University of Santa Cruz do Sul), in the city of Santa Cruz do Sul, 150 km from Porto Alegre (RS), the employee, in addition to earning his salary, also earns a 73% discount for his graduation. Try to find out about the university closest to you.
Scholarships for Employees
Another way is to find out about companies that, in addition to offering their employees a monthly salary, also pay for undergraduate courses. It may be a small amount, but it makes a difference. In some cases, companies may even pay for the entire course.
Technical course, a shorter and cheaper course
And who knows, maybe it's time to take a technical course? Over the years, the number of people doing a degree has increased a lot and this is not a guarantee of a good job or even a salary.
Maybe it's time to reevaluate if it's really worth doing a graduation, or if not it is better to invest in a technical course that has a much lower cost and the chances of leaving with a job are bigger.
The important thing is not to give up studying, think about it and good luck!