Educational loans: current status and prospects
Abstract. In the present conditions, the population is enlisting to the help of educational loans increasingly, as reduction of budget places in educational establishments, as well de-cline in income levels, limit the ability of citizens to receive education at no cost or pay on their own. However, despite the increased demand for educational loans, their development is proceeding at a slow pace, which indicates presence of constraining factors. This article analyzes the current state of educational loans and identifies the factors con-straining their development. The measures on leveling the constraints are proposed, and prospects for development of educational loans are outlined. When writingthe article, the general scientific methods were used: analysis, generalization, analogy, logical approach. The purpose of the study is to analyze the current state of educational loans and identify promising areas of development. As a result of the conducted research, incomplete elaboration of educational loans was revealed, both at the legislative level and in the field of their provision. The factors constraining development of educational loans are noted. The measures for development of educational loans are proposed.
Keywords: social credit, state-backed loan, targeted loan, social bank, educational loan.
Highlights:
- new challenges of the time are increasing the demand for educational loans, buttherearea number of factors hindering their development;
- the development of educational loans is important for all parties to this loan transaction;
- the prospects for development of educational loans are based on leveling constraints.
Elena V. Bulycheva - Orenburg State University, Orenburg, Russia