{"id":24083,"date":"2025-10-03T15:06:28","date_gmt":"2025-10-03T19:06:28","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/education-loan-in-usa-vs-canada-which-offers-better-terms-for-colombians"},"modified":"2025-12-26T10:26:40","modified_gmt":"2025-12-26T10:26:40","slug":"education-loan-in-usa-vs-canada-which-offers-better-terms-for-colombians","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/education-loan-in-usa-vs-canada-which-offers-better-terms-for-colombians","title":{"rendered":"Empr\u00e9stimos educacionais nos EUA vs. no Canad\u00e1: qual oferece melhores condi\u00e7\u00f5es para os colombianos?"},"content":{"rendered":"<p class=\"c30\">Se voc\u00ea \u00e9 um estudante colombiano que planeja <span class=\"c16 c39\" style=\"font-weight: bold\">estudar no exterior<\/span><span class=\"c2\" style=\"font-weight: 400\">, provavelmente j\u00e1 considerou tanto os Estados Unidos quanto o Canad\u00e1. Ambos os pa\u00edses oferecem programas acad\u00eamicos s\u00f3lidos, op\u00e7\u00f5es de vistos e oportunidades de emprego ap\u00f3s a formatura. No entanto, quando se trata de empr\u00e9stimos, os detalhes s\u00e3o importantes.<\/span><\/p>\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">O custo da educa\u00e7\u00e3o, a disponibilidade de bolsas de estudo e as condi\u00e7\u00f5es de reembolso dos empr\u00e9stimos podem variar muito entre os dois pa\u00edses. Este artigo detalha como os empr\u00e9stimos educacionais nos EUA e no Canad\u00e1 se comparam e o que os estudantes colombianos devem levar em considera\u00e7\u00e3o antes de escolher um programa.<\/span><\/p>\n<h2 id=\"h.afbd26pu2hug\" class=\"c6\"><span class=\"c16 c27\" style=\"font-weight: bold\">Matr\u00edcula e custo de vida: Estados Unidos vs. Canad\u00e1<\/span><\/h2>\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Antes de comparar empr\u00e9stimos, \u00e9 \u00fatil conhecer os custos t\u00edpicos de cada pa\u00eds.<\/span><\/p>\n<ul class=\"c31 lst-kix_list_2-0 start\">\n<li class=\"c3 li-bullet-0\"><span class=\"c16\" style=\"font-weight: bold\">Estados Unidos:<\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0a matr\u00edcula dos programas de p\u00f3s-gradua\u00e7\u00e3o geralmente varia entre 30.000 e 70.000 d\u00f3lares por ano, dependendo da universidade e do campo de estudo. O custo de vida pode ser alto, especialmente em grandes cidades como Nova York ou S\u00e3o Francisco.<br \/>\n<\/span><\/li>\n<li class=\"c30 c28 li-bullet-0\"><span class=\"c16\" style=\"font-weight: bold\">Canad\u00e1:<\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0a matr\u00edcula costuma ser mais baixa, e muitos programas custam entre 20.000 e 40.000 d\u00f3lares canadenses por ano. Os custos de vida s\u00e3o um pouco mais acess\u00edveis na maioria das cidades, embora isso dependa da localiza\u00e7\u00e3o.<\/span><\/li>\n<\/ul>\n<p class=\"c8\">Em ambos os pa\u00edses, os custos aumentam rapidamente se voc\u00ea levar em considera\u00e7\u00e3o moradia, seguro sa\u00fade, livros e alimenta\u00e7\u00e3o. A maioria dos estudantes colombianos n\u00e3o pode cobrir o custo total apenas com economias ou <span class=\"c4\" style=\"font-weight: bold\">bolsas de estudo<\/span><span class=\"c2\" style=\"font-weight: 400\">.<\/span><\/p>\n<h2 id=\"h.s9arxgjp0gy1\" class=\"c6\"><span class=\"c27 c16\" style=\"font-weight: bold\">Quais op\u00e7\u00f5es de empr\u00e9stimo existem nos Estados Unidos?<\/span><\/h2>\n<p class=\"c8\">Os estudantes internacionais nos EUA geralmente n\u00e3o t\u00eam acesso a empr\u00e9stimos federais, o que limita suas <span class=\"c4\" style=\"font-weight: bold\">op\u00e7\u00f5es de empr\u00e9stimos estudantis<\/span><span class=\"c2\" style=\"font-weight: 400\">. Isso significa que a maior parte do financiamento vem do seguinte:<\/span><\/p>\n<ul class=\"c31 lst-kix_list_4-0 start\">\n<li class=\"c3 li-bullet-0\"><span class=\"c16\" style=\"font-weight: bold\">Credores privados dos EUA com um avalista como requisito:<\/span>\u00a0s\u00e3o bancos e institui\u00e7\u00f5es financeiras tradicionais. A maioria requer um avalista residente nos Estados Unidos que tenha cr\u00e9dito estabelecido, e os empr\u00e9stimos geralmente t\u00eam taxas de juros vari\u00e1veis<span class=\"c2\" style=\"font-weight: 400\">e podem incluir taxas de abertura.<br \/>\n<\/span><\/li>\n<li class=\"c30 c28 li-bullet-0\"><span class=\"c16\" style=\"font-weight: bold\">Credores para estudantes internacionais como MPOWER Financing:<\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0s\u00e3o credores especializados criados para estudantes internacionais. N\u00e3o exigem um avalista dos EUA nem garantias, oferecem taxas de juros fixas e podem fornecer recursos adicionais, como apoio \u00e0 carreira e obten\u00e7\u00e3o de vistos.<\/span><\/li>\n<\/ul>\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Antes de solicitar um empr\u00e9stimo, incentiva-se os estudantes a solicitar bolsas de estudo internacionais oferecidas por universidades americanas ou organiza\u00e7\u00f5es externas. Elas podem reduzir a quantidade que voc\u00ea precisa pedir emprestado, embora a competi\u00e7\u00e3o seja acirrada.<\/span><\/p>\n<h2 id=\"h.97bokrvrbcr\" class=\"c6\"><span class=\"c27 c16\" style=\"font-weight: bold\">Quais op\u00e7\u00f5es de empr\u00e9stimo existem no Canad\u00e1?<\/span><\/h2>\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">No Canad\u00e1, os empr\u00e9stimos educacionais para estudantes internacionais funcionam de uma maneira um pouco diferente.<\/span><\/p>\n<ul class=\"c31 lst-kix_list_3-0 start\">\n<li class=\"c3 li-bullet-0\"><span class=\"c16\" style=\"font-weight: bold\">Empr\u00e9stimos banc\u00e1rios:<\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0a maioria dos bancos canadenses exige um avalista que seja residente permanente ou cidad\u00e3o. Sem isso, o acesso aos empr\u00e9stimos \u00e9 limitado.<br \/>\n<\/span><\/li>\n<li class=\"c17 c28 li-bullet-0\"><span class=\"c16\" style=\"font-weight: bold\">Op\u00e7\u00f5es apoiadas pelo governo:<\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0s\u00f3 est\u00e3o dispon\u00edveis para os estudantes nacionais, portanto, os estudantes internacionais n\u00e3o s\u00e3o eleg\u00edveis.<br \/>\n<\/span><\/li>\n<li class=\"c30 c28 li-bullet-0\"><span class=\"c16\" style=\"font-weight: bold\">Credores internacionais:<\/span>\u00a0alguns <span class=\"c4\" style=\"font-weight: bold\">credores privados de empr\u00e9stimos educacionais<\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0oferecem empr\u00e9stimos a estudantes colombianos que estudam no Canad\u00e1. As condi\u00e7\u00f5es podem variar e a cobertura geralmente se limita apenas \u00e0 matr\u00edcula.<\/span><\/li>\n<\/ul>\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Se voc\u00ea est\u00e1 comparando op\u00e7\u00f5es no Canad\u00e1, lembre-se de que empr\u00e9stimos pessoais raramente cobrem despesas de moradia ou manuten\u00e7\u00e3o, ent\u00e3o voc\u00ea precisar\u00e1 de outros recursos. Antes de pedir empr\u00e9stimo, os estudantes tamb\u00e9m devem pesquisar sobre bolsas acad\u00eamicas e de pesquisa oferecidas pelas universidades canadenses, especialmente para programas baseados em pesquisa, pois podem reduzir a quantidade que precisam pedir emprestada.<\/span><\/p>\n<h2 id=\"h.e3za4rudrk7h\" class=\"c6\"><span class=\"c27 c16\" style=\"font-weight: bold\">MPOWER Financing ajuda a financiar carreiras em ambos os pa\u00edses<\/span><\/h2>\n<p class=\"c8\">MPOWER Financing oferece <span class=\"c4\" style=\"font-weight: bold\">empr\u00e9stimos sem necessidade de um avalista<\/span><span class=\"c2\" style=\"font-weight: 400\"> para estudantes colombianos que estudam nos Estados Unidos ou Canad\u00e1. Nos Estados Unidos, os empr\u00e9stimos podem cobrir a mensalidade e as despesas de subsist\u00eancia. No Canad\u00e1, os empr\u00e9stimos atrav\u00e9s da MPOWER podem cobrir a mensalidade e quaisquer outras despesas faturadas pela universidade.<\/span><\/p>\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">O que voc\u00ea obt\u00e9m com a MPOWER?:<\/span><\/p>\n<ul class=\"c31 lst-kix_list_1-0 start\">\n<li class=\"c3 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">taxas de juros fixas sem comiss\u00f5es ocultas;<br \/>\n<\/span><\/li>\n<li class=\"c17 c28 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">empr\u00e9stimos em d\u00f3lares americanos;<br \/>\n<\/span><\/li>\n<li class=\"c17 c28 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">empr\u00e9stimos sem necessidade de um avalista nem garantia;<br \/>\n<\/span><\/li>\n<li class=\"c17 c28 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">pagamentos apenas de juros enquanto estuda;<br \/>\n<\/span><\/li>\n<li class=\"c17 c28 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">apoio para a cria\u00e7\u00e3o de cr\u00e9ditos para estudantes que permanecem nos EUA;<br \/>\n<\/span><\/li>\n<li class=\"c30 c28 li-bullet-0\">acesso a ferramentas vocacionais e ajuda para obten\u00e7\u00e3o de vistos atrav\u00e9s de <span class=\"c29\"><a class=\"c1\" href=\"https:\/\/www.mpowerfinancing.com\/pt\/resources\/path-2-success\">Path2Success.<\/a><\/span><\/li>\n<\/ul>\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Para os estudantes que est\u00e3o comparando programas dos Estados Unidos e Canad\u00e1, MPOWER facilita o c\u00e1lculo do financiamento e a escolha do caminho certo com base em seus objetivos, n\u00e3o apenas em sua conta banc\u00e1ria.<\/span><\/p>\n<h2 id=\"h.ecek27yx1nx3\" class=\"c6\"><span class=\"c27 c16\" style=\"font-weight: bold\">Qual pa\u00eds oferece melhores condi\u00e7\u00f5es de empr\u00e9stimo?<\/span><\/h2>\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Para os estudantes colombianos, a melhor op\u00e7\u00e3o de empr\u00e9stimo muitas vezes depende de seus objetivos espec\u00edficos e de sua situa\u00e7\u00e3o financeira. Eles podem ser classificados da seguinte maneira:<\/span><\/p>\n<table class=\"c33\">\n<tbody>\n<tr class=\"c13\">\n<td class=\"c15\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c9\"><span class=\"c16\" style=\"font-weight: bold\">Caracter\u00edsticas<\/span><\/p>\n<\/td>\n<td class=\"c0\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c9\"><span class=\"c16\" style=\"font-weight: bold\">Estados Unidos<\/span><\/p>\n<\/td>\n<td class=\"c19\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c9\"><span class=\"c16\" style=\"font-weight: bold\">Canad\u00e1<\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c13\">\n<td class=\"c15\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">\u00c9 necess\u00e1rio um avalista?<\/span><\/p>\n<\/td>\n<td class=\"c0\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">N\u00e3o (MPOWER, credores selecionados)<\/span><\/p>\n<\/td>\n<td class=\"c19\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Sim (para empr\u00e9stimos banc\u00e1rios canadenses)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c21\">\n<td class=\"c15\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">O empr\u00e9stimo cobre as despesas de subsist\u00eancia?<\/span><\/p>\n<\/td>\n<td class=\"c0\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Sim (com alguns credores internacionais)<\/span><\/p>\n<\/td>\n<td class=\"c19\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Raramente<\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c21\">\n<td class=\"c15\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Existem bolsas de estudo dispon\u00edveis?<\/span><\/p>\n<\/td>\n<td class=\"c0\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">H\u00e1 uma grande variedade, mas s\u00e3o competitivas<\/span><\/p>\n<\/td>\n<td class=\"c19\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Est\u00e3o dispon\u00edveis, especialmente para pesquisa<\/span><\/p>\n<\/td>\n<\/tr>\n<tr class=\"c21\">\n<td class=\"c15\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Tem o potencial de criar cr\u00e9dito?<\/span><\/p>\n<\/td>\n<td class=\"c0\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">Sim (\u00e9 informado aos escrit\u00f3rios dos EUA)<\/span><\/p>\n<\/td>\n<td class=\"c19\" colspan=\"1\" rowspan=\"1\">\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">\u00c9 limitado, a menos que se permane\u00e7a por muito tempo<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"c8\"><span class=\"c2\" style=\"font-weight: 400\">NOTA: A solicita\u00e7\u00e3o, as informa\u00e7\u00f5es e os servi\u00e7os da MPOWER est\u00e3o dispon\u00edveis apenas em ingl\u00eas.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Compare os empr\u00e9stimos educacionais nos EUA e no Canad\u00e1 para ver qual pa\u00eds oferece melhores condi\u00e7\u00f5es em termos de empr\u00e9stimos para estudantes colombianos.<\/p>\n","protected":false},"author":24,"featured_media":36341,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-24083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-blogs"],"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>Empr\u00e9stimos educacionais nos EUA vs. no Canad\u00e1: qual oferece melhores condi\u00e7\u00f5es para os colombianos? 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