Consumer credit and studies: a welcome reform, studies to finance

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According to a survey BVA – Regional Press of Daily Life, published on the occasion of the start of the 2018 school year, the French have rather a good image of the school and the teachers. They are also mostly satisfied with the reform of the school. However, they remain concerned about the orientation and the professional future of their children. At the same time, as tuition fees constitute an important budgetary item, consumer credit (or student credit) appears to be a real remedy.

French people have a good image of school in general

French people have a good image of school in general

The survey reveals that 80% of French people have good memories of school (especially high school) and that 65% of them have a good opinion of teachers. However, 7 out of 10 French people believe that higher education does not prepare them well enough for integration into the labor market. According to 87% of those questioned, guidance should indeed take place earlier; be more accentuated from high school. The French indeed prioritize good professional integration.

Parents rather satisfied with the reform of the school

Parents rather satisfied with the reform of the school

The reform of the baccalaureate taking place in 2021 is rather well received. 81% find it very good to introduce 40% continuous monitoring in the scales. To a lesser extent, 57% approve the abolition of the L, ES and S streams in favor of optional courses. Only 20% of respondents would have liked to maintain the baccalaureate as it is currently offered.

What aid to finance higher education?

What aid to finance higher education?

The funding of a new school year means ever higher costs: it takes several hundred USD in high school, more than 2,000 $ at university according to the last UNEF annual report. Not to mention the annual costs (accommodation, meals, etc.)! The ARS (Back-to-School Allowance) varying from 300 to 400 $ is not allocated to all and does not cover all expenses.

While personal loan rates are at their lowest (from 0.75% over 12 months, 3.01% on average for $ 10,000 over 3 years), many parents use consumer credit to finance this loan. long term investment. School supplies, sports license fees, accommodation, clothing, meals taken outside the home… These are all budgetary items that a student loan can cover by spreading reimbursements over time.

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