{"id":24672,"date":"2020-10-16T06:05:17","date_gmt":"2020-10-16T10:05:17","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/es\/blog\/student-loan-option-for-daca-students-without-a-cosigner\/"},"modified":"2025-10-08T13:54:38","modified_gmt":"2025-10-08T13:54:38","slug":"student-loan-option-for-daca-students-without-a-cosigner","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/es\/blog\/student-loan-option-for-daca-students-without-a-cosigner\/","title":{"rendered":"\u00bfQu\u00e9 es DACA y c\u00f3mo pueden los estudiantes DACA obtener un pr\u00e9stamo sin un fiador?"},"content":{"rendered":"<h3>\u00bfQu\u00e9 es un estudiante DACA?<span style=\"font-weight: 400;\">\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">DACA es un programa de inmigraci\u00f3n iniciado bajo la administraci\u00f3n de Obama que significa Acci\u00f3n Diferida para los Llegados en la Infancia. Los beneficiarios de DACA normalmente ser\u00edan inmigrantes indocumentados en los Estados Unidos, pero bajo este programa, reciben autorizaci\u00f3n de trabajo y protecci\u00f3n temporal contra la deportaci\u00f3n. El programa protege a m\u00e1s de 700,000 j\u00f3venes adultos de la deportaci\u00f3n porque fueron tra\u00eddos a este pa\u00eds a una edad tan temprana y no tomaron la decisi\u00f3n de inmigrar por s\u00ed mismos. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para ser considerado elegible para el programa DACA: 1) debes haber llegado a los Estados Unidos antes de los 16 a\u00f1os, 2) debes haber vivido en los Estados Unidos desde 2007, y 3) debes haber tenido menos de 30 a\u00f1os cuando se promulg\u00f3 en 2012 (<\/span><a href=\"https:\/\/www.americanprogress.org\/issues\/immigration\/news\/2019\/09\/05\/474177\/know-daca-recipients-united-states\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Fuente<\/span><\/a><span style=\"font-weight: 400;\">). Estos j\u00f3venes han crecido como estadounidenses, a menudo solo hablan ingl\u00e9s, y tienen una conexi\u00f3n limitada con su pa\u00eds de nacimiento o no tienen recuerdos de \u00e9l. Muchos beneficiarios de DACA no supieron que eran indocumentados hasta que fueron adolescentes, e intentaron obtener licencias de conducir o aplicar a la universidad como sus compa\u00f1eros. Aquellos elegibles para DACA deben volver a aplicar cada dos a\u00f1os para la renovaci\u00f3n y pagar una tarifa de $495.\u00a0<\/span><\/p>\n<h3>\u00bfQui\u00e9nes son estos beneficiarios de DACA?<\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">El 94% son de pa\u00edses latinoamericanos (los 3 m\u00e1s comunes son M\u00e9xico, El Salvador y Guatemala)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Dos tercios de los beneficiarios de DACA tienen 25 a\u00f1os o menos<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Los beneficiarios de DACA probablemente viven en estas cinco \u00e1reas metropolitanas: Los \u00c1ngeles, Nueva York, Dallas, Houston y Chicago<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">El 45% est\u00e1n en la escuela, y de los que est\u00e1n en la escuela, el 72% est\u00e1n cursando una licenciatura o superior (<\/span><a href=\"https:\/\/www.adl.org\/education\/resources\/tools-and-strategies\/table-talk\/what-is-daca-and-who-are-the-dreamers\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Fuente<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mientras que los beneficiarios de DACA tienen casi la misma probabilidad que los adultos de Estados Unidos en el mismo grupo de edad (15-32) de estar matriculados en la universidad (18% versus 20%), es mucho menos probable que hayan completado la universidad (4% versus 18%). <\/span><span style=\"font-weight: 400;\">(<\/span><a href=\"https:\/\/www.migrationpolicy.org\/research\/profile-current-daca-recipients-education-industry-and-occupation\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Fuente<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">El 91% de los beneficiarios est\u00e1n actualmente empleados<\/span><\/li>\n<\/ul>\n<h3>Estudiantes DACA y Pr\u00e9stamos<\/h3>\n<p><span style=\"font-weight: 400;\">Los estudiantes DACA no son elegibles para la ayuda federal para la escuela, pero muchos estados y algunos prestamistas privados ofrecen opciones para estos estudiantes. California, Connecticut, Hawaii, Maryland, Minnesota, Nueva Jersey, Nuevo M\u00e9xico, Nueva York, Oreg\u00f3n, Texas y Washington ofrecen ayuda financiera estatal a los estudiantes DACA. Muchas universidades p\u00fablicas tambi\u00e9n ofrecen beneficios de matr\u00edcula estatal a los estudiantes DACA que pueden demostrar residencia y haberse graduado de una escuela secundaria en ese estado.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MPOWER ahora ofrece tasas de inter\u00e9s reducidas en nuestros <a href=\"https:\/\/www.mpowerfinancing.com\/es\/get-a-loan\/\">pr\u00e9stamos sin fiador<\/a> para estudiantes DACA!\u00a0<\/span><\/p>\n<ul>\n<li><strong>Estudiantes DACA: Las tasas de inter\u00e9s comienzan tan bajas como 9.99% (<a href=\"https:\/\/www.mpowerfinancing.com\/es\/repayment-examples#monthly-payment-examples\">10.89% APR<\/a>). Esta tasa de inter\u00e9s y APR incluye un descuento del 0.25% por pagos recurrentes autom\u00e1ticos.<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><br \/>\nTodos los <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/es\/scholarships\/\"><span style=\"font-weight: 400;\">Becas MPOWER<\/span><\/a><span style=\"font-weight: 400;\"> est\u00e1n abiertas a los estudiantes DACA<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">MPOWER nunca compartir\u00e1 ninguna informaci\u00f3n sobre tu estatus DACA con partes externas <\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es un estudiante DACA?\u00a0 DACA es un programa de inmigraci\u00f3n iniciado bajo la administraci\u00f3n de Obama que significa Acci\u00f3n Diferida para los Llegados en la Infancia. Los beneficiarios de DACA normalmente ser\u00edan inmigrantes&#8230;<\/p>\n","protected":false},"author":50,"featured_media":12102,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27],"tags":[],"class_list":["post-24672","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-visa-and-immigration-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Opci\u00f3n de pr\u00e9stamo estudiantil para estudiantes DACA sin un Fiador | Sitio web en espa\u00f1ol de MPOWER Financing<\/title>\n<meta name=\"description\" content=\"Explicado: \u00bfQu\u00e9 es un estudiante DACA, qui\u00e9nes son los beneficiarios de DACA, y opci\u00f3n de pr\u00e9stamo estudiantil para estudiantes DACA sin un Fiador.\" \/>\n<meta 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