Is student Loan worth it? Find it out!

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Through student financing , the possibilities to enter higher education in the country are increasing more and more.

Most people want to earn a higher education degree, but unfortunately the financial reality, often limited in which they find themselves, makes them question how to pay for college.

Given this, funding programs for public and private students become the best option for many people to make access to higher education a reality.

Now, learn more about the types of student loans that exist, and find out if it’s worth resorting to student loan estimate.

Public Student Financing Programs

In Brazil, there are two main public programs that help with entry to higher education.

However, after the cuts made by the federal government in the area of ​​education , public funding was impacted. 

And, according to a forecast by the Ministry of Education (MEC), which manages the education budget in Brazil, the number of FIES vacancies may drop from 100,000 to 54,000 in 2021 and 2022 .

As a result, there is a decrease in public funding and an increase in private student loans, but in any case, learn more about public student loans in Brazil:


Usually, the first option that comes to mind when talking about student financing is FIES . The funding program is offered by the government and managed by the Ministry of Education.

The FIES has two modalities. The first is the Fies modality, which has zero interest for students who have a monthly family per capita income of up to three minimum wages.

The second modality is P-Fies, which includes students with a monthly family per capita income between three and five minimum wages. In this modality, students pay interest and can seek financing from private banks that offer this modality. 

In addition to fulfilling the above prerequisites, students who wish to hire the FIES must go through a selection process, which involves the Enem score.

After the selection phase, there is the loan contracting phase. At this stage, it is important to clarify that those who enter the Fies modality do not need to pay interest, but must pay the total amount financed. However, the financing installments will be according to the income presented.

And those who are approved in the P-Fies modality, can opt for financing in private banks that participate in the program. However, interest and payment terms will vary according to the rules of each bank.

The payment of the FIES starts immediately after the conclusion of the higher education course, if the recent graduate has an income. And if the graduate has no income or loses his job while he is paying the financing installments, the credit discharge will take place through the payment of minimum monthly installments.


Prouni (University for All Program) is another government program, which is also an initiative of the Ministry of Education (MEC), to guarantee the entry of low-income people into higher education.

Even if Prouni does not qualify for student financing, it is worth mentioning, as it is a program of partial or full university scholarships, very popular in the country.

The program offers scholarships in private institutions to candidates who have a gross monthly family income of up to three minimum wages per person.

In addition, it is intended for students who attended high school in the public network or in the private network as full scholarship holders. It also requires a minimum grade of 450 points in the Enem, and a grade greater than zero in the essay.

The selection process takes place according to the grades obtained for classification.

Private Student Financing Programs

As public student credit programs have a series of prerequisites, such as proof of income and an Enem score, private student financing becomes an attractive option for those who wish to pursue a degree.

Private financing makes it possible to carry out different loans according to the reality of each student. The student will be able to finance the value of the monthly fees of the course, the full or partial value of his entire study.

The student will be able to choose the best financing option according to their financial reality.

And it is important to say that the number of students who opt for this type of financing is increasing, since in 2014, only 14.4% had private financing. However, in 2017, the number rose to 28.3%, according to the Higher Education Map in Brazil, which was released in 2019 by Semesp .

Therefore, it is important that you learn more about private credit, with Pravaler and the UFFA program:


PRAVALER is one of the most common private funding programs for students in the country.

It can be used for face-to-face or distance courses (EaD) at the technical, higher levels, and also in postgraduate courses.

The program works with the financing of 50% of the course fees, and the interest charged varies from 0% to 2.19% per month.

In addition, it is essential to say that even those who already have a discount or university scholarship, can use the credit to finance the remaining amount of tuition.

Hiring can be done online, without bureaucracy, which facilitates the hiring process.


The UFFA (Academic Financial Flexibility Unit) financing program is a student loan option offered by Grupo Unis.

This program allows you to pay your course tuition in installments, and can be paid in up to twice the time.

Any student of Grupo Unis, whether freshman or veteran, can participate in the UFFA program. However, you should know that in order to participate in the program, there cannot be more than two default installments.

In addition, to obtain the UFFA, you will need a guarantor, who proves the income of at least twice as much as your course tuition.

What are the benefits of student financing?

Some people are still afraid that student loans will end up in future debt.

But, if you do a proper financial planning, considering all your expenses and your income, it is possible to choose the best financing option without disturbing your monthly budget.

Now, learn more about the advantages of student credit:

  • Flexibility and ease of repayment – you can choose loans that are paid during graduation or upon completion of the course;
  • Reduced interest – interest for student loans is reduced when compared to regular loans;
  • It does not depend on proof of low income, in the case of private loans;
  • Just as it does not depend on the Enem score, it also depends on private credit;

If you can’t afford college, student finance is your best option.
And as Grupo Unis cares about you, the institution offers the best student financing options. Thus, your training path for the job market is facilitated, as you will not have to worry about paying for your college.
Don’t give up on your dream of taking a higher course. Choose the best option for your financial reality, and also read the post “Study without worrying about college tuition!”

By Master James

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