The credit for formation - the Russian model.
It is possible to tell with confidence, that the university education in Russia has already ceased to be for a long time free.
Even if your child has got on budgetary branch, having passed all examinations on excellent", most likely, it was preceded by some years of employment with the tutor. And, most likely, not one. That is formation already conditionally paid.
And the most part of students already simply does not get on "budget", and goes on paid branch, places on which are almost always.
To pay it is necessary in any case so it is time to collect money. In the West formation in general always free, an another matter, that the sum can be less owing to certain circumstances. The credit for formation in Europe or the USA are the most usual business. And what in Russia?
In Russia credits for formation are given by some banks. Why? Representatives of banks say today that Russians for the present "have not ripened" for educational credits and such credit programs are not so claimed by the population. On the other hand, the credit for formation is a certain risk for bank as there is a probability of that the today's student cannot simply pay under the credit in time.
However there is also other interesting tendency: many banks would like to enter the market of credits for formation but while wait for the moment. Many banks consider, that programs of educational credits become after a while the most demanded products in the market of domestic crediting.
Formation today in a fashion, and it means, that students and their parents will search for means for higher education reception. Bankers are assured, that in some years Russians will get used to credits for formation just as have got used to the mortgage and autocredits.
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