It is said that one of the smartest forms of investment is investing in your own skills. Do you want to develop your knowledge, but are you afraid that you will outweigh the fees related to learning? Check out our ideas on where to get money for raising qualifications, while increasing your value in the labor market. Science will definitely not go into the woods!
Free opportunities to raise qualifications – training in subsidies
Before you start being interested in paid training opportunities, it is worth checking to see if there are any free trainings financed from various funds in the region. In September, a pilot project of the Ministry of Development – Knowledge Education Development was launched. The goal of the program is to improve the professional qualifications of Poles. So let’s visit the municipal social economy incubator or check the training offer of NGOs in your region. The opportunities offered by these units often give you the opportunity to study for free and allow you to check whether a given thematic range is certainly suitable for us before we invest a lot of money in commercial courses.
It happens that subsidized trainings also end with certificates or the possibility of obtaining professional qualifications – check this trail and gain the opportunity to develop your CV.
You know what you want, but you don’t have the resources
The question that any person willing to study asks in this situation is how to get money to raise qualifications? You may be working but you can’t afford the postgraduate courses or studies because you are at the bottom of the earnings scale. Or maybe you are afraid to invest in development, because you are not sure whether in a year from now you will be able to pay for your dream destination?
There may also be a way out of this situation. First of all – ask your employer about training subsidies – it may turn out that your boss will want to invest in employee development and allow you to improve your qualifications.
Secondly – check scholarship offers at universities. Perhaps your low income will allow you to apply for a social scholarship. After the first semester, if your academic performance is sufficient, you can also apply for a scholarship for academic performance. In such a system, it may be a problem to pay for the first semester. However, student loans can be the answer.
Borrowing for learning
If you want to grow and you don’t have the money to improve your qualifications, a loan or student loan may be a good option when it comes to investing in yourself. In the case of student loans, the costs are low due to residual interest and additional discounts from the state. Such a solution should be considered especially in the case of undertaking studies, after which we can receive a well-paid job (e.g. technical, medical, IT-related professions or new technologies). A student loan works well for longer periods of study, which may require us to leave the job. It is worth asking about options in banks and universities. The limitation of this form of financing is the fact that only people who started education before the age of 25 can apply for it.
What if not a student loan? Check loans
A big plus of the non-banking sector offer is the fact that the loan application process is simple and does not require a large number of certificates. There is also no age-related criterion – we can get a loan practically regardless of the phase of our life. The application process is simple – all you have to do is go to the loan company’s website, fill out the form and select the amount you are interested in. All you have to do is wait for the loan decision and then start learning.
Money to raise qualifications, and the loan – attention!
If you are considering taking a loan to raise your qualifications, be sure to think through the matter thoroughly, determine the amount of the loan in relation to your financial capabilities and read the terms of the contract carefully. If this is your first commitment of this type – look for products that allow you to take the first loan for free . The key to clever and effective use of loans and payday loans in your favor is a good knowledge of the lender’s interest rates and attention to such values as APRC, commission and administrative fees. You should also read the regulations and tables of fees available on the lenders’ websites or call the helpline.