Although universities and some institutions offer scholarships to continue studying, it is not always possible to access them. In some cases because the family income is exceeded, in others because the application deadlines have already expired -or the delay in payment by the State would force them to request an advance credit-, or because the academic results do not match. For whatever reason, there are students who are forced to look for different ways of financing to be able to study in the third cycle.
In addition to offering the possibility of paying tuition in installments (usually up to four annual installments), universities establish agreements with banks to obtain credits adapted to the needs of their students. Most banks have a specific line of credit for students, with lower interest rates and conditions designed so that they can finish their studies. However, in most cases, the endorsement of parents or relatives is necessary to obtain the credit, or that the applicants are the parents themselves. Another possibility offered by the banks is not to pay the loan while you are studying, and to return it once you have accessed the labor market. It must be borne in mind that while the grace period lasts, interest is also paid.
If you opt for a scholarship, it should be taken into account that until September 19, students enrolled in the last courses of the degree or master’s degree can request the collaboration ones offered by the Ministry of Education and Vocational Training (www.educacionyfp.gob. es) to carry out research tasks in university departments. Applicants must submit a collaboration project endorsed and scored by the department; The endowment of the scholarship is two thousand euros.
In September, the call to apply for Equity scholarships will open (agaur.gencat.cat/es/beques-i-ajuts) to study undergraduate or qualifying master’s degrees at a public university in Catalonia, at the UOC or at one of the centers attached. This scholarship consists of a reduction in the tuition price based on family income. The “la Caixa” Foundation (on the portal fundacionlacaixa.org/es/educacion-becas) is one of the entities that offer grants so that students and researchers can further their training and develop their career at universities and research centers around the world. world.
Banco Santander offers financial aid of 1,000 euros for university expenses for bachelor’s and master’s degrees. The registration period (app.becas-santander.com) ends on November 13. The BBVA Foundation scholarships (www.becas.com/convocantes/fundaciones/becas-fundacion-bbva) seek to support scientific research and cultural creation. The Banco Sabadell Foundation (www.fundacionbancosabadell.com) also offers different types of aid to young talent.
