{"id":27124,"date":"2025-10-03T13:38:05","date_gmt":"2025-10-03T17:38:05","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/no-cosigner-student-loans-a-colombian-students-guide-to-us-funding"},"modified":"2025-12-31T09:10:25","modified_gmt":"2025-12-31T09:10:25","slug":"no-cosigner-student-loans-a-colombian-students-guide-to-us-funding","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/no-cosigner-student-loans-a-colombian-students-guide-to-us-funding","title":{"rendered":"Empr\u00e9stimos para estudantes sem avalista: guia para estudantes colombianos sobre financiamento nos EUA"},"content":{"rendered":"<p class=\"c24\"><span class=\"c0\" style=\"font-weight: 400\">Se voc\u00ea est\u00e1 planejando estudar nos Estados Unidos e precisa de um empr\u00e9stimo, \u00e9 prov\u00e1vel que tenha encontrado o mesmo obst\u00e1culo que muitos estudantes colombianos: a maioria dos bancos exige um avalista, uma garantia ou garantias iniciais elevadas. Mas no caso dos programas de p\u00f3s-gradua\u00e7\u00e3o no exterior, nem todo mundo tem acesso a esse tipo de ajuda.<\/span><\/p>\n<p class=\"c2\"><span>\u00c9 a\u00ed que entram os <\/span><span class=\"c9\" style=\"font-weight: 700\">empr\u00e9stimos para estudantes sem avalista<\/span><span class=\"c0\" style=\"font-weight: 400\">. Este artigo explica como funcionam esses empr\u00e9stimos, por que s\u00e3o diferentes das op\u00e7\u00f5es tradicionais colombianas e como decidir se s\u00e3o adequados para seus planos de educa\u00e7\u00e3o.<\/span><\/p>\n<h2 class=\"c4\" id=\"h.kxazl8g5qj5e\"><span class=\"c1\" style=\"font-weight: 700\">O que realmente significa \u201csem avalista\u201d?<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Na Col\u00f4mbia, \u00e9 comum que os bancos pe\u00e7am que um familiar assine como garantidor ou ofere\u00e7a bens como garantia. Se voc\u00ea n\u00e3o cumprir os prazos de reembolso, essa pessoa \u00e9 legalmente respons\u00e1vel pelo empr\u00e9stimo. Isso faz com que pedir emprestado seja uma decis\u00e3o familiar, e arriscada.<\/span><\/p>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Um empr\u00e9stimo sem avalista evita que voc\u00ea fa\u00e7a esse passo. Voc\u00ea o solicita por conta pr\u00f3pria e n\u00e3o precisa de nada do que \u00e9 mencionado a seguir:<\/span><\/p>\n<ul class=\"c19 lst-kix_list_1-0 start\">\n<li class=\"c12 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">um pai ou familiar que garanta o empr\u00e9stimo;<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">ativos como bens ou poupan\u00e7as como garantia;<br \/><\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">um hist\u00f3rico de cr\u00e9dito nos EUA ou Canad\u00e1.<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span>Para os estudantes internacionais, isso abre <\/span><span class=\"c9\" style=\"font-weight: 700\">op\u00e7\u00f5es de empr\u00e9stimos para estudantes<\/span><span class=\"c0\" style=\"font-weight: 400\"> que n\u00e3o dependem da situa\u00e7\u00e3o financeira de outra pessoa.<\/span><\/p>\n<h2 class=\"c4\" id=\"h.73moqbqr358y\"><span class=\"c1\" style=\"font-weight: 700\">Por que esses empr\u00e9stimos s\u00e3o importantes para os estudantes colombianos<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Os empr\u00e9stimos sem avalista n\u00e3o est\u00e3o dispon\u00edveis em toda a Col\u00f4mbia. A maioria dos estudantes depende de algumas dessas op\u00e7\u00f5es:<\/span><\/p>\n<ul class=\"c19 lst-kix_list_5-0 start\">\n<li class=\"c12 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">programas apoiados pelo Governo como Colfuturo;<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">empr\u00e9stimos banc\u00e1rios que exigem um avalista e uma prova de garantia;<br \/><\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">patroc\u00ednios de empregadores ou apoio familiar.<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Mas essas op\u00e7\u00f5es t\u00eam limites. Colfuturo oferece um apoio total e espera que voc\u00ea retorne \u00e0 Col\u00f4mbia em um prazo determinado. Os empr\u00e9stimos de bancos privados podem ter taxas de juros altas e regras de reembolso rigorosas. E nem todos os estudantes t\u00eam bens familiares que possam usar.<\/span><\/p>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Por isso, cada vez mais estudantes colombianos buscam financiamento que atenda ao seguinte:<\/span><\/p>\n<ul class=\"c19 lst-kix_list_6-0 start\">\n<li class=\"c12 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">n\u00e3o dependa do patrim\u00f4nio familiar nem de garantias;<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">cubra todas as despesas de matr\u00edcula e manuten\u00e7\u00e3o nos EUA;<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">permita que permane\u00e7am no exterior ap\u00f3s a formatura, se assim desejarem;<br \/><\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span>op\u00e7\u00f5es flex\u00edveis de<\/span><span class=\"c9\" style=\"font-weight: 700\">\u00a0reembolso de empr\u00e9stimos para estudantes internacionais.<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Os empr\u00e9stimos internacionais sem avalista podem atender a essas necessidades, mas apenas se voc\u00ea souber onde procurar.<\/span><\/p>\n<h2 class=\"c4\" id=\"h.jls1b0lmjq7g\"><span class=\"c1\" style=\"font-weight: 700\">Como avaliar os empr\u00e9stimos para estudantes sem avalista<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Nem todos os empr\u00e9stimos s\u00e3o iguais. Alguns credores anunciam parcelas baixas, mas escondem taxas ou oferecem condi\u00e7\u00f5es confusas. Ao comparar op\u00e7\u00f5es, fa\u00e7a perguntas como as seguintes:<\/span><\/p>\n<ul class=\"c19 lst-kix_list_2-0 start\">\n<li class=\"c12 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">A taxa de juros \u00e9 fixa ou vari\u00e1vel?<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">Existem taxas para apresentar uma solicita\u00e7\u00e3o, desembolsar ou pagar antecipadamente?<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">Como \u00e9 estruturado o plano de reembolso?<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">Come\u00e7o a pagar durante os estudos ou ap\u00f3s a formatura?<br \/><\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">H\u00e1 assist\u00eancia em portugu\u00eas, se eu precisar?<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Verifique tamb\u00e9m se o credor informa \u00e0s ag\u00eancias de cr\u00e9dito americanas ou canadenses. Isso pode ajud\u00e1-lo a construir seu hist\u00f3rico de cr\u00e9dito no exterior, o que \u00e9 importante se voc\u00ea planeja trabalhar ou ficar ap\u00f3s a gradua\u00e7\u00e3o.<\/span><\/p>\n<h2 class=\"c4\" id=\"h.k4xt561vcnvo\"><span class=\"c1\" style=\"font-weight: 700\">Como a MPOWER Financing ajuda os estudantes colombianos sem avalista<\/span><\/h2>\n<p class=\"c2\"><span>A MPOWER Financing oferece <\/span><span class=\"c9\" style=\"font-weight: 700\">empr\u00e9stimos para estudantes para cursos de p\u00f3s-gradua\u00e7\u00e3o<\/span><span class=\"c0\" style=\"font-weight: 400\">, sem avalista, sem garantia e sem taxas ocultas. Isso \u00e9 uma grande vantagem para os candidatos colombianos que s\u00e3o novos no sistema financeiro americano e querem evitar a incerteza dos credores tradicionais.<\/span><\/p>\n<p class=\"c16\"><span class=\"c0\" 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<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Em vez de se concentrar em seu hist\u00f3rico de renda ou em seu patrim\u00f4nio familiar, a MPOWER se concentra no seguinte:<\/span><\/p>\n<ul class=\"c19 lst-kix_list_4-0 start\">\n<li class=\"c12 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">sua institui\u00e7\u00e3o de ensino e programa,<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">o potencial do seu diploma ap\u00f3s a gradua\u00e7\u00e3o,<br \/><\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">sua forma\u00e7\u00e3o acad\u00eamica e campo de estudo.<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span>Se for aprovado, voc\u00ea pode pedir emprestado at\u00e9 o custo total da matr\u00edcula e despesas de subsist\u00eancia em mais de 500 universidades nos Estados Unidos e Canad\u00e1 (matr\u00edcula e despesas faturadas pela universidade apenas na maioria das universidades canadenses). Al\u00e9m disso, voc\u00ea ter\u00e1 acesso ao programa <\/span><span class=\"c25\"><a class=\"c31\" href=\"https:\/\/www.mpowerfinancing.com\/pt\/resources\/path-2-success\">\u00a0Path2Success<\/a><\/span><span class=\"c0\" style=\"font-weight: 400\">, que inclui o seguinte:<\/span><\/p>\n<ul class=\"c19 lst-kix_list_7-0 start\">\n<li class=\"c12 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">recursos para est\u00e1gios e prepara\u00e7\u00e3o para o trabalho,<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">ferramentas de apoio para o visto,<br \/><\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">orienta\u00e7\u00e3o para a cria\u00e7\u00e3o de cr\u00e9dito e ajuda or\u00e7ament\u00e1ria.<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Este tipo de apoio \u00e9 importante. Os estudantes colombianos muitas vezes se sentem inseguros ao solicitar um empr\u00e9stimo sozinhos, especialmente se \u00e9 a primeira vez que lidam com finan\u00e7as no exterior. Um processo transparente, prazos fixos e assist\u00eancia em portugu\u00eas podem fazer a diferen\u00e7a.<\/span><\/p>\n<h2 class=\"c4\" id=\"h.i1ffc85ddrlm\"><span class=\"c1\" style=\"font-weight: 700\">Tomar uma decis\u00e3o informada<\/span><\/h2>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Escolher um empr\u00e9stimo \u00e9 uma decis\u00e3o importante, mas n\u00e3o precisa ser avassaladora. Reserve um tempo para fazer o que \u00e9 mencionado a seguir:<\/span><\/p>\n<ul class=\"c19 lst-kix_list_3-0 start\">\n<li class=\"c12 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">Comparar planos de reembolso.<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">Ler opini\u00f5es de outros estudantes internacionais.<br \/><\/span><\/li>\n<li class=\"c15 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">Pedir conselhos ao escrit\u00f3rio internacional da sua institui\u00e7\u00e3o de ensino.<br \/><\/span><\/li>\n<li class=\"c6 li-bullet-0\"><span class=\"c0\" style=\"font-weight: 400\">Pense em seus objetivos de longo prazo, n\u00e3o apenas nas necessidades imediatas da matr\u00edcula.<\/span><\/li>\n<\/ul>\n<p class=\"c2\"><span class=\"c0\" style=\"font-weight: 400\">Um empr\u00e9stimo sem avalista pode lhe dar liberdade financeira, especialmente se voc\u00ea quer estudar sem pressionar sua fam\u00edlia. Mas \u00e9 importante escolher um credor projetado para estudantes internacionais como voc\u00ea.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Descubra como os estudantes colombianos podem obter empr\u00e9stimos estudantis sem avalista nos Estados Unidos, incluindo elegibilidade, credores e caracter\u00edsticas do empr\u00e9stimo.<\/p>\n","protected":false},"author":24,"featured_media":36324,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-27124","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 para estudantes sem avalista: guia para estudantes colombianos sobre financiamento nos 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