{"id":240724,"date":"2022-07-11T17:19:03","date_gmt":"2022-07-11T15:19:03","guid":{"rendered":"https:\/\/sherpas.com\/blog\/?p=240724"},"modified":"2025-01-09T15:57:13","modified_gmt":"2025-01-09T14:57:13","slug":"comment-faire-un-pret-etudiant","status":"publish","type":"post","link":"https:\/\/sherpas.com\/blog\/comment-faire-un-pret-etudiant\/","title":{"rendered":"Comment faire un pr\u00eat \u00e9tudiant ? \ud83d\udcb8"},"content":{"rendered":"\n<p><strong>En tant qu\u2019\u00e9tudiant, tu sais combien la vie peut \u00eatre ch\u00e8re<\/strong>. Et, malgr\u00e9 les petits boulots, tu peux avoir besoin de <strong>faire un pr\u00eat \u00e9tudiant pour financer tes \u00e9tudes et les \u00ab\u00a0\u00e0-c\u00f4t\u00e9s\u00a0\u00bb.<\/strong> Puisque c\u2019est une d\u00e9cision \u00e0 ne pas prendre \u00e0 la l\u00e9g\u00e8re, tu te poses des milliards de questions, \u00e0 commencer par la suivante : <strong>comment faire un pr\u00eat \u00e9tudiant ?&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>Dans la jungle des d\u00e9marches administratives, ce n\u2019est pas \u00e9vident d\u2019y voir clair.<\/strong> C\u2019est pour cette raison qu\u2019<strong>on \u00e9claire ta lanterne<\/strong> aujourd\u2019hui en t\u2019expliquant, pas \u00e0 pas, comment faire un pr\u00eat \u00e9tudiant.&nbsp;<\/p>\n\n\n<section class=\"read-also\">\n    <p class=\"read-also__title\">\u00c0 lire aussi<\/p>\n            <div class=\"read-also__list\">\n            <p>\u2705 D\u00e9couvre <a href=\"https:\/\/sherpas.com\/blog\/quel-job-etudiant-est-fait-pour-moi\/\" target=\"_blank\" rel=\"noopener\">comment trouver un job en lien avec tes aspirations pros<\/a> ! \ud83c\udfaf<\/p>\n\n        <\/div>\n    <\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce qu\u2019un pr\u00eat \u00e9tudiant ?&nbsp;<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p>Comme son nom l\u2019indique, le pr\u00eat \u00e9tudiant est <strong>un emprunt d\u2019argent<\/strong> qu\u2019il te faut rembourser, en ajoutant les taux d\u2019int\u00e9r\u00eats, dans une p\u00e9riode pr\u00e9vue au moment de la r\u00e9alisation du pr\u00eat.&nbsp;<\/p>\n\n\n\n<p>\u00c0 la diff\u00e9rence <strong>d\u2019un pr\u00eat \u201cclassique\u201d,<\/strong> le pr\u00eat \u00e9tudiant est <strong>r\u00e9serv\u00e9 aux \u00e9tudiants<\/strong> (sans rire ?). Plus encore, il jouit de taux d\u2019int\u00e9r\u00eats plus bas que les pr\u00eats classiques.&nbsp;<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/media.giphy.com\/media\/12pJ8OxSWwO86Y\/giphy.gif\" alt=\"\"\/><\/figure>\n<\/div><\/div>\n<\/div>\n\n\n\n<p>Ce n\u2019est pas tout, en souscrivant \u00e0 un pr\u00eat \u00e9tudiant, <strong>le remboursement peut \u00eatre r\u00e9alis\u00e9 en diff\u00e9r\u00e9. <\/strong>C&rsquo;est-\u00e0-dire que tu peux<strong> commencer \u00e0 rembourser ton pr\u00eat \u00e0 la fin de tes \u00e9tudes<\/strong>, au moment o\u00f9 tu as un salaire.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les conditions d\u2019\u00e9ligibilit\u00e9 pour faire un pr\u00eat \u00e9tudiant&nbsp;<\/h2>\n\n\n\n<p>Les pr\u00eats \u00e9tudiants sont tr\u00e8s contr\u00f4l\u00e9s. C\u2019est pourquoi, <strong>tu dois remplir certaines conditions pour en b\u00e9n\u00e9ficier.&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoir entre <strong>18 et 30 ans<\/strong> \u00e0 la souscription<\/li>\n\n\n\n<li>\u00catre <strong>citoyen fran\u00e7ais<\/strong><\/li>\n\n\n\n<li>\u00catre <strong>scolaris\u00e9 dans un \u00e9tablissement en France <\/strong>pour pr\u00e9parer <strong>un dipl\u00f4me de l\u2019enseignement sup\u00e9rieure<\/strong> (Universit\u00e9s, \u00e9coles)<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 Il n\u2019y a <strong>pas de plafond de ressources pour b\u00e9n\u00e9ficier d\u2019un pr\u00eat \u00e9tudiant<\/strong> (montant maximal des revenus que tu ne peux pas exc\u00e9der).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment faire un pr\u00eat \u00e9tudiant : les conditions d&rsquo;\u00e9ligibilit\u00e9s <\/h3>\n\n\n\n<p>En plus des trois crit\u00e8res pr\u00e9c\u00e9dents, d\u2019autres \u00e9l\u00e9ments sont n\u00e9cessaires \u00e0 l\u2019obtention de ton pr\u00eat \u00e9tudiant.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Le garant&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Un peu comme pour un logement \u00e9tudiant,<strong> tu dois imp\u00e9rativement avoir un garant qui se porte caution pour souscrire ton pr\u00eat \u00e9tudiant<\/strong>. Ce garant doit avoir une situation financi\u00e8re stable et doit en justifier. Cela peut \u00eatre un parent, une personne de ta famille, etc.&nbsp;<\/p>\n\n\n\n<p>Si personne ne peut se porter garant pour ton pr\u00eat, <strong>il est possible de demander un pr\u00eat garanti par l\u2019\u00c9tat<\/strong>. Dans ce cas, certaines conditions varient (montant maximum de 20 000 euros, emprunt dans une banque partenaire, demande pr\u00e9alable\u2026)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Un justificatif de scolarit\u00e9&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Le pr\u00eat \u00e9tudiant est <strong>r\u00e9serv\u00e9 aux jeunes inscrits dans un \u00e9tablissement d\u2019enseignement sup\u00e9rieur.<\/strong> Du coup, tu dois justifier avec un certificat de scolarit\u00e9 pour \u00eatre \u00e9ligible.&nbsp;<\/p>\n\n\n<section class=\"you-know\">\n                <div class=\"you-know__title\"><p>\ud83d\udcb8 Faire un pr\u00eat \u00e9tudiant garanti par l\u2019\u00c9tat<\/p>\n<\/div>\n                        <div class=\"you-know__text\">\n            <p>Tu dois te rapprocher <strong>des banques partenaires pour demander un<a href=\"https:\/\/www.service-public.fr\/particuliers\/actualites\/A14924#:~:text=Le%20pr%C3%AAt%20%C3%A9tudiant%20garanti%20par%20l%27%C3%89tat%20respecte%20les,%3B%204%20une%20dur%C3%A9e%20minimale%20de%202%20ans.\" target=\"_blank\" rel=\"nofollow noopener\"> pr\u00eat \u00e9tudiant garanti par l\u2019\u00c9tat<\/a><\/strong> (banque populaire, banque postale, caisse d\u2019\u00e9pargne, CIC, cr\u00e9dit agricole, cr\u00e9dit mutuel, soci\u00e9t\u00e9 g\u00e9n\u00e9rale). Il n\u2019est pas n\u00e9cessaire que tu sois d\u2019ores et d\u00e9j\u00e0 dans une de ces banques pour faire la demande d\u2019un pr\u00eat \u00e9tudiant.<\/p>\n<p>\ud83d\udc49 Attention, chaque ann\u00e9e,<strong> il y a un nombre maximum de pr\u00eats accord\u00e9s par l\u2019\u00c9tat<\/strong> aux \u00e9tudiants.<\/p>\n\n        <\/div>\n              <\/section>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi faire un pr\u00eat \u00e9tudiant ?&nbsp;<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/media.giphy.com\/media\/If9DvbHHowI1SWKLae\/giphy.gif\" alt=\"\"\/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p>Les raisons pour faire un pr\u00eat \u00e9tudiant sont diverses. S\u2019il s\u2019agit de financer tes \u00e9tudes, le pr\u00eat englobe tous<strong> les frais li\u00e9s \u00e0 la scolarit\u00e9 :&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frais de <strong>scolarit\u00e9&nbsp;<\/strong>\ud83c\udf93<\/li>\n\n\n\n<li>Permis de<strong> conduire&nbsp;<\/strong>\ud83d\ude97<\/li>\n\n\n\n<li>Frais <strong>relatifs aux logements&nbsp;<\/strong>\ud83c\udfe1<\/li>\n\n\n\n<li>Frais <strong>relatifs aux outils n\u00e9cessaires \u00e0 ta scolarit\u00e9<\/strong> \ud83d\udcbb<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>\ud83d\udc49 On te conseille <strong>de bien estimer en amont l\u2019argent dont tu as besoin en prenant en compte la dur\u00e9e<\/strong> (= j\u2019ai besoin de x euros sur x ann\u00e9es). Pour d\u00e9terminer ce dont tu as besoin, <strong>il est important de savoir pour quels aspects de ta vie \u00e9tudiante tu vas utiliser ton pr\u00eat :<\/strong> vivre \/ payer ton loyer, payer tes frais de scolarit\u00e9 en \u00e9cole priv\u00e9e\u2026&nbsp;<\/p>\n\n\n<section class=\"push \">\n        <div >\n            \n                                                <div class=\"push__container  qcd\" data-target=\"_self\" data-qcd=\"aHR0cHM6Ly9zaGVycGFzLmNvbS9mdW5uZWwtc3R1ZGVudC1xdWFsaWZpY2F0aW9u\" data-banner=\"2\" data-name=\"Cours part&amp;rsquo; global #1 = CPG1\" style=\"background-color: #F3FBF7\" >\n                                                                        <div class=\"push__teachers\">\n    <div class=\"d-flex justify-content-center d-md-none\">\n        <img decoding=\"async\" class=\"push__logo\" src=\"\/content\/themes\/sherpas-theme\/dist\/images\/logo.svg\" alt=\"Logo Sherpas\">\n    <\/div>\n    <div class=\"swiper\">\n        <div class=\"swiper-wrapper\">\n                                            <div class=\"swiper-slide\">\n                    <div class=\"push__teachers-card\">\n                        <div\n                            class=\"push__teachers-profil\"\n                            \n                            style=\"background-image: url(https:\/\/sherpas.com\/content\/uploads\/2022\/01\/Simon2x.jpg);\"\n                        >\n                    <\/div>\n                         <p class=\"push__teachers-name\">Simon<\/p>                          <p class=\"push__teachers-school\">4e ann\u00e9e de m\u00e9decine<\/p>                                                     <div class=\"push__teachers-note\">\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                            <\/div>\n                                                 <p class=\"push__teachers-price\">26\u20ac\/h<\/p>                     <\/div>\n                <\/div>\n                                            <div class=\"swiper-slide\">\n                    <div class=\"push__teachers-card\">\n                        <div\n                            class=\"push__teachers-profil\"\n                            \n                            style=\"background-image: url(https:\/\/sherpas.com\/content\/uploads\/2022\/01\/Bastien2x.jpg);\"\n                        >\n                    <\/div>\n                         <p class=\"push__teachers-name\">Bastien<\/p>                          <p class=\"push__teachers-school\">Polytechnique<\/p>                                                     <div class=\"push__teachers-note\">\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                            <\/div>\n                                                 <p class=\"push__teachers-price\">26\u20ac\/h<\/p>                     <\/div>\n                <\/div>\n                                            <div class=\"swiper-slide\">\n                    <div class=\"push__teachers-card\">\n                        <div\n                            class=\"push__teachers-profil\"\n                            \n                            style=\"background-image: url(https:\/\/sherpas.com\/content\/uploads\/2022\/01\/Fabien2x.png);\"\n                        >\n                    <\/div>\n                         <p class=\"push__teachers-name\">Fabien<\/p>                          <p class=\"push__teachers-school\">T\u00e9l\u00e9com Paris<\/p>                                                     <div class=\"push__teachers-note\">\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                            <\/div>\n                                                 <p class=\"push__teachers-price\">20\u20ac\/h<\/p>                     <\/div>\n                <\/div>\n                                            <div class=\"swiper-slide\">\n                    <div class=\"push__teachers-card\">\n                        <div\n                            class=\"push__teachers-profil\"\n                            \n                            style=\"background-image: url(https:\/\/sherpas.com\/content\/uploads\/2022\/01\/Sophie2x.png);\"\n                        >\n                    <\/div>\n                         <p class=\"push__teachers-name\">Sophie<\/p>                          <p class=\"push__teachers-school\">Sciences Po Bordeaux<\/p>                                                     <div class=\"push__teachers-note\">\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                            <\/div>\n                                                 <p class=\"push__teachers-price\">12\u20ac\/h<\/p>                     <\/div>\n                <\/div>\n                                            <div class=\"swiper-slide\">\n                    <div class=\"push__teachers-card\">\n                        <div\n                            class=\"push__teachers-profil\"\n                            \n                            style=\"background-image: url(https:\/\/sherpas.com\/content\/uploads\/2022\/01\/Alma2x.jpg);\"\n                        >\n                    <\/div>\n                         <p class=\"push__teachers-name\">Alma<\/p>                          <p class=\"push__teachers-school\">ENS Paris-Saclay<\/p>                                                     <div class=\"push__teachers-note\">\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                            <\/div>\n                                                 <p class=\"push__teachers-price\">24\u20ac\/h<\/p>                     <\/div>\n                <\/div>\n                                            <div class=\"swiper-slide\">\n                    <div class=\"push__teachers-card\">\n                        <div\n                            class=\"push__teachers-profil\"\n                            \n                            style=\"background-image: url(https:\/\/sherpas.com\/content\/uploads\/2022\/01\/Thibault2x.png);\"\n                        >\n                    <\/div>\n                         <p class=\"push__teachers-name\">Thibault<\/p>                          <p class=\"push__teachers-school\">ENS Paris Ulm<\/p>                                                     <div class=\"push__teachers-note\">\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                            <\/div>\n                                                 <p class=\"push__teachers-price\">20\u20ac\/h<\/p>                     <\/div>\n                <\/div>\n                                            <div class=\"swiper-slide\">\n                    <div class=\"push__teachers-card\">\n                        <div\n                            class=\"push__teachers-profil\"\n                            \n                            style=\"background-image: url(https:\/\/sherpas.com\/content\/uploads\/2022\/01\/David2x.jpg);\"\n                        >\n                    <\/div>\n                         <p class=\"push__teachers-name\">David<\/p>                          <p class=\"push__teachers-school\">EDHEC<\/p>                                                     <div class=\"push__teachers-note\">\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                            <\/div>\n                                                 <p class=\"push__teachers-price\">25\u20ac\/h<\/p>                     <\/div>\n                <\/div>\n                                            <div class=\"swiper-slide\">\n                    <div class=\"push__teachers-card\">\n                        <div\n                            class=\"push__teachers-profil\"\n                            \n                            style=\"background-image: url(https:\/\/sherpas.com\/content\/uploads\/2022\/01\/Nicolas2x.png);\"\n                        >\n                    <\/div>\n                         <p class=\"push__teachers-name\">Nicolas<\/p>                          <p class=\"push__teachers-school\">CentraleSup\u00e9lec<\/p>                                                     <div class=\"push__teachers-note\">\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                                    <svg  class=\"active\" >\n                                        <use\n                                            xlink:href=\"\/content\/themes\/sherpas-theme\/dist\/images\/sprite.svg#star\"\/>\n                                    <\/svg>\n                                                            <\/div>\n                                                 <p class=\"push__teachers-price\">17\u20ac\/h<\/p>                     <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n                                                    <div class=\"push__content\">\n                                                            <div  class=\"d-none d-md-block\" >\n                                    <img decoding=\"async\" class=\"push__logo\" src=\"\/content\/themes\/sherpas-theme\/dist\/images\/logo.svg\"\n                                        alt=\"Logo Sherpas\">\n                                <\/div>\n                                                                                        <div class=\"push__title\"><p>Ton premier cours particulier est offert ! <span role=\"img\" aria-label=\"\ud83c\udf81\">\ud83c\udf81<\/span><!-- notionvc: 91b6b7d7-50f2-46f4-ae1f-ecbabe834aad --><\/p>\n<\/div>\n                                                                                        <div class=\"push__text\"><p>Nos profs sont pass\u00e9s par les meilleures \u00e9coles et universit\u00e9s.<!-- notionvc: 21bb66b6-b36d-4ce8-8950-173722d75a1e --><\/p>\n<p>&nbsp;<\/p>\n<\/div>\n                                                        <div class=\"push__promo-button   \">\n                                                                                                    <div\n                                        class=\"btn btn-primary\"\n                                        style=\"color: #ffffff; border-color: ; background-color: \"\n\n                                    >\n                                        J&rsquo;EN PROFITE MAINTENANT !\n                                    <\/div>\n                                                            <\/div>\n                                                    <\/div>\n                                    <\/div>\n                                    <\/div>\n    <\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Comment faire un pr\u00eat \u00e9tudiant : les \u00e9tapes <\/h2>\n\n\n\n<p>Une fois que tout est pr\u00eat, il te suffit de <strong>prendre rendez-vous \u00e0 la banque<\/strong> (banque partenaire pour les pr\u00eats garantis par l\u2019\u00c9tat) et de venir avec tous<strong> les documents n\u00e9cessaires.<\/strong> Si ton garant est un garant physique qui se porte caution pour toi, tu dois imp\u00e9rativement venir au rendez-vous avec lui.&nbsp;<\/p>\n\n\n\n<p><strong>Les documents que tu devras fournir (en g\u00e9n\u00e9ral) <\/strong>\ud83d\udc47<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Photocopie de ta<strong> carte d\u2019identit\u00e9\/ passeport <\/strong>et de celle de ton garant&nbsp;<\/li>\n\n\n\n<li>Attestation de <strong>domicile <\/strong>(toi + ton garant)<\/li>\n\n\n\n<li><strong>Certificat de scolarit\u00e9&nbsp;<\/strong><\/li>\n\n\n\n<li>Les<strong> 3 derni\u00e8res fiches de paye<\/strong> de ton garant&nbsp;<\/li>\n\n\n\n<li>Justificatif de pr\u00eat en cours de ton garant s\u2019il en a un&nbsp;<\/li>\n\n\n\n<li>Relev\u00e9 de <strong>compte de ton garant&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 Les documents cit\u00e9s sont \u00e0 titre indicatif. <strong>Renseigne-toi aupr\u00e8s de ta banque pour lui demander les documents n\u00e9cessaires \u00e0 la r\u00e9alisation de ton pr\u00eat \u00e9tudiant.&nbsp;<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment \u00e7a se passe pour le remboursement ?&nbsp;<\/h3>\n\n\n\n<p>\u00c0 partir du moment o\u00f9 tu souscris ton pr\u00eat \u00e9tudiant, <strong>tu \u00e9tablis les conditions du remboursement de l\u2019argent que tu re\u00e7ois.<\/strong> Dans ces conditions figurent \ud83d\udc47<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li><strong>Le moment \u00e0 partir duquel tu rembourses <\/strong>(directement apr\u00e8s tes \u00e9tudes, 1 an apr\u00e8s la fin de tes \u00e9tudes, 2 ans\u2026)&nbsp;<\/li>\n\n\n\n<li>Le<strong> montant que tu devras rembourser par mois <\/strong>(100 \u20ac\/ mois, 300 \u20ac\/mois, etc)<\/li>\n\n\n\n<li>Le<strong> temps du remboursement<\/strong> (sur 2 ans, 3 ans, 5 ans)<\/li>\n\n\n\n<li>Le <strong>montant total de la somme que tu dois rembourser <\/strong>avec la prise en compte des taux d\u2019int\u00e9r\u00eats&nbsp;<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/media.giphy.com\/media\/k3O5ScH30pIizcmvNg\/giphy.gif\" alt=\"\"\/><\/figure>\n<\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Faut-il avoir une assurance pour faire un pr\u00eat \u00e9tudiant ?&nbsp;<\/h3>\n\n\n\n<p>Dans la grande majorit\u00e9 des cas, <strong>tu dois souscrire une assurance lorsque tu fais un pr\u00eat \u00e9tudiant, notamment pour en cas de d\u00e9c\u00e8s ou d\u2019invalidit\u00e9 permanente.<\/strong> L\u2019assurance est l\u00e0 pour couvrir ton garant et toi-m\u00eame en cas de probl\u00e8mes. Le savais-tu ? Tu as <strong>le droit<\/strong> de changer d&rsquo;assurance et d&rsquo;en choisir une <strong>en dehors de ta banque<\/strong>. L&rsquo;avantage, c&rsquo;est que tu gardes <strong>les m\u00eames garanties<\/strong>, et que tu peux <strong>step-up<\/strong> sur la partie <strong>qualit\u00e9 du service client<\/strong>, et surtout sur <strong>le prix<\/strong> ! <strong>Assurly<\/strong> par exemple, <a href=\"https:\/\/www.assurly.com\/assurer-mon-pret-pour-un-credit-etudiant\/\" target=\"_blank\" rel=\"noreferrer noopener\">divise par 2 la facture d&rsquo;assurance<\/a> de ses clients en g\u00e9n\u00e9ral, et propose des forfaits \u00e0 partir de 3\u20ac.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e9fl\u00e9chis bien avant de souscrire un pr\u00eat \u00e9tudiant<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/media.giphy.com\/media\/H8DietxBNO5YvxjLk7\/giphy.gif\" alt=\"\"\/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p>La d\u00e9cision de faire un pr\u00eat \u00e9tudiant <strong>n\u2019est pas \u00e0 prendre \u00e0 la l\u00e9g\u00e8re.<\/strong> Ce pr\u00eat t\u2019engage sur de nombreuses ann\u00e9es. <strong>Il est donc important de bien v\u00e9rifier tes capacit\u00e9s de remboursement.&nbsp;&nbsp;<\/strong><\/p>\n\n\n\n<p>Un conseil, renseigne-toi sur ton salaire de sortie apr\u00e8s tes \u00e9tudes. Cela te permettra de te faire une id\u00e9e de tes <strong>possibilit\u00e9s de remboursement<\/strong> au moment o\u00f9 tu devras verser tous les mois de l\u2019argent \u00e0 ta banque.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Le pr\u00eat \u00e9tudiant,<strong> c\u2019est \u00e9videmment une mani\u00e8re d\u2019investir sur ton avenir<\/strong>. Pour cela, il est imp\u00e9ratif que<strong> tu aies un projet construit et dessin\u00e9. <\/strong>D\u2019ailleurs, c\u2019est une question que l\u2019on te posera lors de la r\u00e9alisation de ton pr\u00eat \u00e9tudiant, et davantage si tu souscris un pr\u00eat \u00e9tudiant garanti par l\u2019\u00c9tat. <strong>&nbsp;<\/strong>Une fois que ton pr\u00eat est r\u00e9alis\u00e9, tu es engag\u00e9, et <strong>cet engagement est \u00e0 prendre en compte et \u00e0 r\u00e9aliser.&nbsp;<\/strong><\/p>\n\n\n\n<p>Pas de panique, <strong>si tu sais o\u00f9 tu vas, et que tu as bien tous les facteurs en t\u00eate, lance-toi\u202f!<\/strong><\/p>\n\n\n<section class=\"you-know\">\n                <div class=\"you-know__title\"><p>\ud83d\udde3\ufe0f Mon exp\u00e9rience<\/p>\n<\/div>\n                        <div class=\"you-know__text\">\n            <p><em>Apr\u00e8s ma Licence de Lettres, j\u2019ai d\u00e9cid\u00e9 de quitter ma ville pour faire mon Master dans une \u00e9cole de communication \u00e0 Paris. Si mes frais de scolarit\u00e9 \u00e9taient pris en charge par mon entreprise (je suis en alternance), j\u2019\u00e9tais oblig\u00e9e de faire un pr\u00eat pour <strong>financer ma vie parisienne<\/strong> (eh oui, c\u2019est pas donn\u00e9 le r\u00eave dans la capitale \u2b50). <\/em><\/p>\n<p>&nbsp;<\/p>\n<p><em>Cet argent me sert donc principalement \u00e0 payer mon loyer et mes courses. Ce qui est s\u00fbr, c\u2019est que c\u2019est une d\u00e9cision importante. \u00c0 l\u2019heure actuelle, je sais que je suis engag\u00e9e jusqu\u2019\u00e0 mes 29 ans\u2026 et j\u2019en ai 23 ! Pas question d\u2019\u00e9chouer du coup, c\u2019est une bonne motivation, \u00e7a te pousse \u00e0 te dire : faut que je termine mes \u00e9tudes et que je trouve un taffe vite !\u00a0<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><em>\ud83d\udca1 Un petit conseil, si tu prends un pr\u00eat sur plusieurs ann\u00e9es, <strong>d\u00e9bloque de l\u2019argent ann\u00e9e par ann\u00e9e<\/strong>. \u00c7a te permet de s\u00e9curiser le reste et de mieux g\u00e9rer ton argent.\u00a0<\/em><\/p>\n\n        <\/div>\n              <\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Il n\u2019y a plus qu\u2019\u00e0\u2026&nbsp;<\/h2>\n\n\n\n<p>Les informations que tu dois connaitre avant de te lancer sont d\u00e9sormais \u00e0 ta port\u00e9e. Le pr\u00eat \u00e9tudiant <strong>ne doit pas \u00eatre pris \u00e0 la l\u00e9g\u00e8re.<\/strong> En revanche, si tu as bien r\u00e9fl\u00e9chi, on t\u2019encourage \u00e0 miser sur ton avenir. <strong>Tu n\u2019as plus qu\u2019\u00e0 r\u00e9unir tous les papiers n\u00e9cessaires \u00e0 ce grand bond. Promis, m\u00eame si l\u2019administratif \u00e7a fait peur, tu vas t\u2019en sortir, et qui plus est, grandi ! <\/strong>\ud83d\udcaa \u00c0 bient\u00f4t. \u2600\ufe0f<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;240724&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;3&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Tu as aim\u00e9 cet article ?&quot;,&quot;legend&quot;:&quot;5\\\/5 - (3 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Comment faire un pr\u00eat \u00e9tudiant ? \ud83d\udcb8&quot;,&quot;width&quot;:&quot;142.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 142.5px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            5\/5 - (3 votes)    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>En tant qu\u2019\u00e9tudiant, tu sais combien la vie peut \u00eatre ch\u00e8re. Et, malgr\u00e9 les petits boulots, tu peux (&#8230;)<\/p>\n","protected":false},"author":326,"featured_media":240744,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"category":[135,878,880],"tag":[510],"class_list":["post-240724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trouver-sa-voie","category-financer-etudes","category-prets-etudiants","tag-bon-plan"],"acf":[],"_links":{"self":[{"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/posts\/240724","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/users\/326"}],"replies":[{"embeddable":true,"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/comments?post=240724"}],"version-history":[{"count":0,"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/posts\/240724\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/media\/240744"}],"wp:attachment":[{"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/media?parent=240724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/category?post=240724"},{"taxonomy":"tag","embeddable":true,"href":"https:\/\/sherpas.com\/blog\/wp-json\/wp\/v2\/tag?post=240724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}