The education loan for Flexible and Independent
Do you want to continue your professional career? Choose the right financing now! The decision for continuing education is associated with many commitments and decisions. One of the biggest questions is financing. For many, this is the reason why the planned further training must be postponed or even failed.
Before you can reach a higher position with a completed further education and thus also a higher salary, you still have several months with a lower income. Perhaps you know the situation even during your initial training or study? Financial aspects can quickly reduce the chance of a degree.
The financial protection is also no longer guaranteed at 100% in the case of further training courses which serve the company. Unfortunately, the number of employers who pay a full or partial job-related training is becoming smaller and smaller. However, to enable you to focus on your education, study or further education, we offer you a fair and favorable continuing education loan.
Current financial situation for further education
The time during the studies
According to the statement on berufsberatung.ch, students who are no longer living with their parents have to pay between CHF 20’000 and CHF 30’000 per year for study fees, study materials, rent, insurance, food and transport costs as well as costs for internet, tax and clothing. But how can students spend this sum? According to the law, parents have the obligation to provide financial assistance to their children during an apprenticeship or study period, if this is the initial training. However, the initial situation is not always that parents can pay for the expenses.
Another way to get financial support are stipends or funds. Usually, these are limited and therefore it is necessary to request the application at an early www and the best is to plan a further financing solution for the start. There are many different criteria for the commitment of a stipend, which influence the decision. Usually the criteria vary in Switzerland. Whether and how much entitlement students have depends, among other things, on personal income or whether it is an initial or second education. Funds are for students, who have performed excellently, or even for female students with kids. Students can send multiple applications. If they have a commitment, they must report it.
For students its become a burden to fit job and training
3 of 4 students go to work parallel to the study and that up to 2 days a week. Most of them use this sideline to be more independent of their own parents. But much more important, especially for an easier entry into the professional world, is the proof of practical and specific work experience. In most cases, practices that do not contain salary are accepted. But where and how much time is available next to the study is very different. Also the additional burden and the constant change between study and job is a large burden for many of the students. Therefore possibilities for alternative financing should be sought.
The current situation of professional training
According to a statistical survey of the Federal Statistical Office in 2011, 83% of Swiss companies support further training activities. But only 35% of them support internal / external courses, which are oriented towards higher vocational training. 48% of the supporting companies prefer to hire staff directly with the required qualifications.
It goes without saying that every company is pleased when employees develop themselves independently and financially independently of the company, during their leisure time, and that these trainings lead to the acquisition of new employees or the improvement of the competences of the employee. Above all in Switzerland, further training has a high social and economic value.
The larger the company, the better the financial support for professional development
Of the 83% of companies already mentioned, which support further training courses, there are differences compared to the size of the company. The larger the company, the higher the support for further vocational training.
For external training, employees use up to 27% private providers for further training. The larger the company, the higher the share of private training providers. Furthermore, 12% of the employees use the continuing education offer of schools and universities. This is followed by public training institutes, business associations and chambers of commerce and other private enterprises.
Financial support from companies
However, the decision was made on which supplier the cost of the company is reduced. According to the statistics, the average expenditure of all companies is 587 francs for further training. This includes internal / external course costs, travel expenses and expenses. There are 1376 Swiss francs per training participant. Companies invest 0.8% of their labor costs in training.
However, if transfers are partially financed by companies, the employees can also create a kind of commitment and dependence on the company. For many, this type of financial submission is more of a constraint because the bond can last up to several years. Furthermore, employees would lose very decisive factors of a modern working culture, flexibility and independence.
You have to calculate with this costs
In Switzerland, there are innumerable private further education providers, but also universities or chambers of commerce offer excellent further education. As a result, the cost per vendor can vary dramatically. A cost of CHF 2,500 per day can already be incurred quickly. Maybe you are planning a CAS (Certificate of advanced studies)? You should also expect a total cost of up to CHF 8’800. Perhaps you are also planning an EMBA or MAS degree and want to bring your career to a completely new level. In universities, you should allow up to CHF 65’000.
The question of financing
This is why the question of funding plays a central role for many people. As already indicated, costs of several thousand francs per training can be incurred quickly. Of course, family and friends can offer financial support, but an alternative financing option is loan financing.
Many vendors offer credit especially for further training and are thus particularly concerned about the particular situation. We also offer you a further education loan at fair conditions. We are an online market place for loans. In other words, compared to a traditional bank, your continuing education loan is financed directly by private and institutional investors. We at CreditGate24 act as an intermediary between you, who wish to apply for a loan and those who wish to support real projects with your money.
The education loan, which is financially supported and not debited
Everything is online with us. At the beginning you open a free online account. Once you have registered, you can submit your loan application online. Set your personal loan amount and term and within 24 hours you will receive our loan offer. Once you have approved the offer, we publish the credit project anonymously on our platform and our investors can finance your loan project. Once your project has been fully funded, we will send you the sum. Your data will be transmitted encrypted.
Here are your advantages and the steps at a glance
- Do everything online, from home comfortably and focus on your education
- Get favorable interest rates thanks to efficient and technological processing
- Stay flexible and receive your loan amount within 14 days
- Use our customer service (24/7) for your questions and individual advice
Step by step to the continuing education loan
- Register with an online account on our website
- Apply directly to your credit online
- Together with our customer service we optimize your credit offer
- After only a few days, you will be able to transfer the loan sum to your account