Ser aprovado no vestibular não é uma das tarefas mais fáceis, afinal, se trata de um processo extremamente concorrido em que muitos estudantes brasileiros veem a chance de conquistar o tão sonhado diploma de nível superior.

Alinhado a isso, existem também os desafios presentes durante a trajetória acadêmica. A falta de dinheiro para pagar as mensalidades pode ser, inclusive, um deles. Sabemos que as despesas de um curso de graduação costumam ser caras, e muitos estudantes acabam desistindo do seu sonho por não conseguir arcar com esses custos.

O Programa de Crédito Educativo (Creduc) surgiu, lá na década de 70, com a proposta de democratizar e facilitar o acesso ao ensino superior privado, especialmente aos jovens de baixa renda.

Se você quer entender como funciona o Creduc, continue acompanhando esse conteúdo!

O que é o Creduc?

O Creduc foi pioneiro na iniciativa de financiamento estudantil, promovido pelo governo federal, com o objetivo de facilitar o acesso à educação superior em todo o país. Seu principal propósito era oferecer crédito aos estudantes para cobrir as despesas de seus cursos de graduação.

A iniciativa não só ajudou a aumentar o número de matrículas nas universidades – mais de um milhão de estudantes foram beneficiados desde o início da implementação -, mas também desempenhou um papel importante em reduzir as barreiras financeiras que impediam os alunos de prosseguir o sonho de entrar na faculdade.

Ao longo do tempo, o Creduc passou por algumas alterações, algumas delas vistas até hoje no que conhecemos como o financiamento estudantil.

Quem criou o Creduc?

O Creduc foi estabelecido em agosto de 1975, durante a ditadura militar sob comando do governo de Ernesto Geisel. Esse período foi caracterizado pelo crescimento das universidades brasileiras, especialmente as federais.

Com o aumento expressivo do investimento na educação, o Programa de Crédito Educativo surgiu como uma maneira de auxiliar os estudantes a ingressarem nas instituições de ensino superior. A implementação do programa aconteceu em 1976, inicialmente nas regiões Norte, Nordeste e Centro-Oeste.

Como mencionado, o Creduc passou por algumas reformulações ao longo dos anos e, desde a promulgação da Constituição Federal de 1988, a administração dos recursos do Ministério da Educação (MEC) foi atribuída à Caixa Econômica Federal.

Em 1991, o Creduc entrou em crise devido à inadimplência e falta de recursos necessários para dar continuidade no projeto. Foi quando em 1999, o Fies (Fundo de Financiamento Estudantil), começou a funcionar, assim como outros programas de crédito educativo, como o Prouni (Programa Universidade para Todos) em 2004, também do governo federal.

Como funciona o crédito educativo?

O crédito educativo funciona como um suporte financeiro fornecido pelo governo ou por empresas privadas a estudantes que atendem aos critérios e requisitos de elegibilidade. Essa assistência é oferecida como empréstimos ou bolsas de estudos para ajudar os jovens a pagarem por seus estudos.

Por meio da plataforma do Creduc é possível parcelar as mensalidades da faculdade. Lá, as instituições conseguem gerenciar o parcelamento oferecido aos alunos. Além disso, podem personalizar a avaliação cadastral dos estudantes conforme interesse pelo financiamento.

Os critérios para análise do cadastro dos candidatos podem variar de acordo com as regras estabelecidas por cada faculdade que utiliza a plataforma do Creduc para gerenciar os créditos disponíveis. Vale lembrar que, ao contratar o crédito educativo, é importante sempre ficar atento e ler cuidadosamente os regulamentos e editais da faculdade.

Como conseguir o Creduc?

Para conseguir o Creduc, é necessário que o estudante cumpra algumas exigências estipuladas pelo programa. Segundo o Manual do Programa de Crédito Educativo, o candidato precisa ser brasileiro, ser estudante universitário através do vestibular, e deve estar matriculado de forma regular no primeiro curso de graduação.

Além disso, precisa ter um bom desempenho acadêmico (não ter mais de duas reprovações em disciplinas), e não receber nenhum tipo de ajuda financeira como forma de pagamento para a faculdade.

Leia também: 4 passos para pagar a faculdade ganhando pouco.

Para participar, o interessado deve se inscrever no site do Creduc, e clicar em “cadastre-se”. Ao inserir os dados, o estudante irá visualizar mais detalhes sobre o parcelamento disponível para o curso em que está matriculado e a instituição de ensino superior escolhida.

A comprovação de renda do Creduc é outra etapa importante do processo. Os documentos comprobatórios devem ser apresentados para a Comissão de Seleção e Acompanhamento da própria faculdade. Eles analisam se a renda familiar bruta mensal apresentada está dentro das regras do programa.

Diferença do Creduc e outros programas de crédito educativo

O Programa de Crédito Estudantil ou simplesmente Creduc surgiu para que outras iniciativas e programas nascessem. Como já mencionado, o Prouni, Fies e outros inúmeros projetos de empresas privadas existem com o mesmo objetivo, que é facilitar o ingresso de jovens, em especial aqueles de baixa renda, às universidades brasileiras.

Cada programa ou modalidade de crédito conta com suas regras, especificações, características e claro, condições de pagamento.

Fies

O Fies é um programa governamental que surgiu durante a crise do Creduc na década de 90. Ele aparece como uma proposta que garante o acesso de jovens de baixa renda em instituições de ensino superior privadas, por meio do financiamento estudantil com taxas acessíveis. Além disso, o estudante beneficiado pelo programa consegue pagar a faculdade apenas após a conclusão do curso.

Assim como outros programas do governo federal, o Fies possui uma série de regras e critérios. Entre elas estão:

  • Estar regularmente matriculado em um curso de graduação em uma instituição reconhecida pelo MEC
  • Ter realizado o Enem (Exame Nacional do Ensino Médio), obtendo uma pontuação mínima de 450 pontos, além de não ter zerado na redação
  • Ter renda familiar de até três salários-mínimos por pessoa (modalidade Fies I)
  • Ter renda familiar de até cinco salários-mínimos por pessoa (modalidade Fies II)

Pravaler

Enquanto o Creduc e o Fies são programas de iniciativa governamental, o Pravaler é uma solução de financiamento estudantil privado. Há muitas diferenças entre os dois modelos de crédito educativo, entre elas é que com o Pravaler o estudante não precisa comprovar renda e nem ter participado do Enem.

Além disso, o candidato pode contratar o financiamento estudantil em qualquer época do ano sem burocracia, tudo 100% online.

Como alternativa de bolsas de estudo, considere estudar com o Amigo Edu, que oferece descontos de até 80% na mensalidade até o final do curso. Não perca mais tempo e comece já a investir na sua graduação!

CTA faça graduação com bolsa de estudo de até 80% de desconto com o amigo edu

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