Fund back-to-school / university fees


How to manage your back-to-school budget ...

The holidays are now over, you have to think about the various fees that you will have to pay for the start of the school year and / or university, in addition to seasonal expenses, such as clothing, school fees including the purchase of schoolbag, supplies ( stationery, books, pencils ...), sports equipment ...

According to the Famille de France association, for the start of the 2016 school year, there is a 0.1% drop in the cost of the start of the sixth year , which is a first since 2009! For pupils entering sixth grade, the cost of re-entry is therefore estimated at US $ 190.24 .
In contrast, the Confédération Syndicale des Familles estimates the increase at 1.99%, with an average basket of our sixth-grade student at 338 us dollars.
In fact the CSF does not obtain the same figures because it also records school insurance, the class photo (?), The cooperative, a dictionary (which does not seem to be useful to change every year), a USB key (which you often got for free), printing costs and ink ...
In addition, the cost of the same products is very different if you do your shopping in a neighborhood bookstore, a specialized stationery or a hypermarket, especially if you compare Bordeaux to Rennes or Chambéry ... For the moment, online shopping is not possible. are not particularly interesting ...

Example for a holiday credit of 5000 us dollars over 12 months

To help you make the right choice, we have compared the cost of credit, that is, what you will actually pay!

For the Confédération Syndicale des Familles, an increase of 1.99% in the cost of schooling must be provided for the start of the 2016 school year (supplies, additional books, specific equipment, sports equipment, additional costs, etc.)
- 154.05 us dollars for a child in preparatory course
- 198.89 us dollars for the Average Price
- 361.65 us dollars for entry into 6th grade
- 358.43 us dollars for the fourth
- 411.72 for the general second
- 689.90 us dollars for the second industrial Pro bac
- 419.54 us dollars for the second Bac Pro Sanitaire
- 598.17 us dollars for a 1st STI.

The 2016 back-to-school allowance is identical to last year. It is still $ 363 for young people aged 6 to 10 , $ 383 for 11-14 year olds and finally $ 396.02 for adults aged 15 to 18 , which is a pretty penny for one. teenager ... if he avoids brand purchases, especially for sports!

Of course, the start of the school year is also an opportunity to change the equipment available to the family such as:
- the computer (laptop or stationary). Even if the prices have fallen a lot, you will hardly find decent ones below 400 us dollars (indeed at this price only low-end tablets or low-power computers are offered; netbooks (mini computers) have, however, to them, tend to disappear permanently from the shelves, and are in any case not recommended for work.
- the change of furniture in the room of the child who has grown up (desk, office chair, bed, mezzanine ...)

In short, back-to-school expenses are a real attack on your budget. Either you had everything planned and put money aside, in this case it's child's play ... Either the holidays have already drained your savings and you have to find a solution to finance your purchases of back to school.

Beware of shopping on the Internet which is not necessarily interesting. Just because it's sold on the web doesn't mean it's cheaper! The study of the Trade Union Confederation of Families shows that on items less than US $ 1, Internet purchases can reach 10% more. Here too we must compare.

How to finance the back-to-school fees?

Depending on the amount you will have to pay, you can choose between several credit options. In any case, from our tables, do not hesitate to make several credit requests on several sites . This allows a comparison to be made with the files in hand.

If you need 2000 or 3000 us dollars

Opt for revolving credits (formerly called cash reserves or revolving credit ) which are generally offered for such amounts. Choose a quick repayment in 12 months so as not to pay too much interest and to be able to possibly redo the operation at the next school year.

Comparative table of revolving credit offers for an amount of $ 3,000
Renewable account offer Personal loan offer 12 months
APR
(max)
APR
12 months
Monthly payment Cost APR Monthly payment Cost Link
direct
sofinco 19.99% 11.99% 11 x $ 276 + 1 x $ 140.43 $ 176.43 15% 269.45% 233.40 Paydaynow
cofinoga 19.00% NC NC NC NC NC NC Cofinoga
sofinco 19.10% 3.50%

11 x $ 254.69
+ 1x $ 254.78

$ 56.37 9.90% $ 263.02 $ 156.24 Sofinco
cofidis 19.98% NC NC NC 19.98% $ 275.55 $ 306.59 Paydaychampion
crossroads bank NC NC NC NC 9.90% $ 263.01 $ 156.12 Carrefour Bank
FLOA bank 20.22% 3.45% 12 x $ 254.62 $ 55.46 12.90% $ 266.82 $ 201.84 Casino Bank
NC: data not communicated on the respective websites

(*) The results and rankings presented on rkenneylaw.com are based on a selection of financial companies based on the following criteria: the APR, the duration, the amount borrowed and the purpose of the loan. All the companies presented are recognized by the entire profession and are part of the ASF (Association Française des Sociétés Financières). The rankings made on the basis of the total cost are given for information only and do not in any way constitute a contractual commitment. We urge you to carry out a simulation in all cases before applying for credit.
(**) The rates presented (fixed APR) correspond to the applicable minimum rates and are indicative. They are likely to change after the in-depth analysis of your request

If you need more than 4000 us dollars

Opt for the personal loan, but also take care to choose a short repayment period over 12 months.


Credit simulation for cash flow
$ 5,000 in 12 months


# Etab. Mens. Cost of credit
1 $ 420.49 $ 44.81
For a credit of 5000 us dollars, you repay 12 monthly payments of 420.49 $ (excluding insurance), for a total cost of 44.81 $. No administration fees. APR from 1.70%.
Make your own simulation online at Paydaychampion .
It's simple, fast, without obligation, and also suitable for mobile.
2 $ 423.86 $ 86.32
For a loan of 5000 us dollars, you reimburse 12 monthly payments of $ 423.86 (excluding insurance), for a total cost of $ 86.32. No administration fees. APR from 3.17%.
Make your own online simulation at Younited credit .
It's simple, fast, without obligation, and also suitable for mobile.
3 $ 438.90 $ 266.80
For a credit of 5000 us dollars, you reimburse 12 monthly payments of 438.90 $ (excluding insurance), for a total cost of 266.80 $. No administration fees. APR from 10.15%.
Make your own online simulation at FLOA bank .
It's simple, fast, without obligation, and also suitable for mobile.
4 $ 438.91 $ 266.92
For a loan of 5,000 us dollars, you repay 12 monthly payments of $ 438.91 (excluding insurance), for a total cost of $ 266.92. No administration fees. APR from 10.15%.
Make your own online simulation at Paydaynow .
It's simple, fast, without obligation, and also suitable for mobile.
5 $ 438.91 $ 266.92
For a loan of 5,000 us dollars, you repay 12 monthly payments of $ 438.91 (excluding insurance), for a total cost of $ 266.92. No administration fees. APR from 10.15%.
Make your own simulation online on Cofinoga .
It's simple, fast, without obligation, and also suitable for mobile.
* Subject to acceptance by the lender - Update: 11/01/20

(*) The results and rankings presented on rkenneylaw.com are based on a selection of financial companies based on the following criteria: the APR, the duration, the amount borrowed and the purpose of the loan. All the companies presented are recognized by the entire profession and are part of the ASF (Association Française des Sociétés Financières). The rankings made on the basis of the total cost are given for information only and do not in any way constitute a contractual commitment. We urge you to carry out a simulation in all cases before applying for credit.
(**) The rates presented (fixed APR) correspond to the applicable minimum rates and are indicative. They are likely to change after the in-depth analysis of your request


Credit simulation for cash flow
$ 5,000 in 24 months


# Etab. Mens. Cost of credit
1 $ 215.23 165.52 $
For a loan of 5000 us dollars, you repay 24 monthly payments of 215.23 $ (excluding insurance), for a total cost of 165.52 $. No administration fees. APR from 3.14%.
Make your own simulation online at Younited credit .
It's simple, fast, without obligation, and also suitable for mobile.
2 $ 219.98 $ 279.51
For a loan of 5000 us dollars, you repay 24 monthly payments of $ 219.98 (excluding insurance), for a total cost of $ 279.51. No administration fees. APR from 5.41%.
Make your own simulation online at Paydaychampion .
It's simple, fast, without obligation, and also suitable for mobile.
3 $ 232.15 $ 521.20
For a loan of 5000 us dollars, you reimburse 24 monthly payments of 232.15 $ (excluding insurance), for a total cost of 521.20 $. No administration fees. APR from 10.15%.
Make your own simulation online on FLOA bank .
It's simple, fast, without obligation, and also suitable for mobile.
4 $ 230.06 $ 521.44
For a loan of 5000 us dollars, you reimburse 24 monthly payments of $ 230.06 (excluding insurance), for a total cost of $ 521.44. No administration fees. APR from 10.15%.
Make your own simulation online at Paydaynow .
It's simple, fast, without obligation, and also suitable for mobile.
5 $ 230.06 $ 521.44
For a loan of 5000 us dollars, you reimburse 24 monthly payments of $ 230.06 (excluding insurance), for a total cost of $ 521.44. No administration fees. APR from 10.15%.
Make your own simulation online on Cofinoga .
It's simple, fast, without obligation, and also suitable for mobile.
* Subject to acceptance by the lender - Update: 11/01/20

(*) The results and rankings presented on rkenneylaw.com are based on a selection of financial companies based on the following criteria: the APR, the duration, the amount borrowed and the purpose of the loan. All the companies presented are recognized by the entire profession and are part of the ASF (Association Française des Sociétés Financières). The rankings made on the basis of the total cost are given for information only and do not in any way constitute a contractual commitment. We urge you to carry out a simulation in all cases before applying for credit.
(**) The rates presented (fixed APR) correspond to the applicable minimum rates and are indicative. They are likely to change after the in-depth analysis of your request



A loan commits you and must be repaid.
Check your repayment capacity before you commit.

Copyright © 2020 All rights reserved Legal notice Sitemap

Professional funding for physiotherapists

en