Take soft loans for tuition fees will be under two conditions. First, if the institution has “state-accredited and is incorporated into the Federal Agency for Education in the list of institutions to participate in the experiment. Secondly, if the student learns to “good” and “excellent.” “Satisfactory” assessment is allowed, but only once during the two sessions. “If a student did well and then suddenly” filled up “session, then removed before the tranche until the following exams will not be handed over to the” good “and” excellent “. This will be more than an incentive to learn with dignity, “- said” NO “to the press service of the Ministry of Education.

student will not pay the bank principal on the loan during the entire period of study in high school and three months after its completion – he could do it in the next 10 years after graduation. Also for the first and second year student repays only part of the interest rate (40 and 60% respectively). In addition, students do not need to provide collateral and to seek bail. Sign an agreement with the bank to go to college the young man can before the first session, but only if he had decent results EGE, which are evaluated by a special, approved by the Ministry of Education formula: they may be below the maximum and higher minimum. The state support can remain in force even when a new student at the university, but if the school is included in the list of participants in the experiment.

Incidentally, on the list. In the Federal Agency of Education created a special commission to accept and review applications in higher education institutions to participate in the program. In approving the universities are taken into account the following criteria: high rates of admission for applicants in the previous year (at least 80 points on EGE), an additional entrance tests and availability demanded professions (the latter in order – more than 500). “We have a list of universities participating in the experiment made public – he remained with the previous year. It has 112 educational institutions “, – noted in the Ministry of Education. Note that the humanities disciplines where there is little – emphasis on physicists, chemists, doctors and other representatives of the exact and natural sciences.

If students and universities are all more or less clear, the representatives of banking sector – one of the main participants in the experiment – so far nothing concrete to say they can not. In one of the big banks, “NOR” noted that “despite the bank’s participation in working groups and discussions of numerous programs, student loan project is still in its infancy».

As stated in the Ministry of Education, a list of banks being formed, because the regulatory framework are not yet fully ready. Will the bankers to give soft loans, too, is not yet completely clear. The government in August determined that the federal budget will be allocated to creditors to recover three quarters of the CBR refinancing rate In addition, the grant for reimbursement of the cost of the unreturned education credits provided by the borrower is compensated for by the Government of up to 20% of the volume of loans. In the Ministry of Education “NO” assured that the interest rate on student loans as a result of between 4,5 to 4,7%.

However, the director of the Banking Institute Basil Solodkov in conversation with “NO” ; noted that the proposed conditions for banks in general will not benefit from such cooperation. “The rate should be at least 5-6%, and then at the current rate of inflation and this impressive maturity and the figures in question, – said the scientist. – And then, the overall proportion of no return in our country over 20%! In addition, new loans must be someone else to serve – will need to hire people and pay them a salary ».

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