Abstract

RODRIGUEZ MAGANA, Alejandro; RUBIANO MORENO, Jessica  and  BRISENO RAMIREZ, Hugo. National program that incentive savings to access private higher education in Mexico. rev.udcaactual.divulg.cient. [online]. 2020, vol.23, n.1, e1324.  Epub June 30, 2020. ISSN 0123-4226.  https://doi.org/10.31910/rudca.v23.n1.2020.1324.

Currently, Mexican families use educational credits to access private higher education because they do not have enough income to pay tuition and additional expenses, or if they do, since there is free public education, they consider it a luxury. The objective of this article is to look for an option that encourages savings and promotes the professionalization of young people without entering debt. For this, secondary information was collected and a regression model was developed in order to establish which variables are significant for Mexican families and thus be able to propose a savings proposal. Households with low economic resources can hardly access the economic warrants from a credit and can hardly save enough to have higher educational degrees, when they have basic necessities to fulfill. For this reason, a national educational savings program is proposed that allows families to plan long-term capital raising for the professionalization of their children, allocating a fraction of their income since their children are small so that when they go to make their University studies do not require paying interest rates that reduce your purchasing power in the future.

Keywords : Higher education; saving culture; financial education; educational policies; savings programs.

        · abstract in Spanish     · text in Spanish     · Spanish ( pdf )