{"id":19031,"date":"2025-10-22T05:12:44","date_gmt":"2025-10-22T08:12:44","guid":{"rendered":"https:\/\/www.mercargova.com\/?p=19031"},"modified":"2026-05-22T05:12:44","modified_gmt":"2026-05-22T08:12:44","slug":"studentska-pujcka-pro-https-pujka-online-cz-pujcky-coolcredit-pujcka-studenty-bez-prijmu","status":"publish","type":"post","link":"https:\/\/www.mercargova.com\/en\/studentska-pujcka-pro-https-pujka-online-cz-pujcky-coolcredit-pujcka-studenty-bez-prijmu\/","title":{"rendered":"Studentsk\u00e1 p\u016fj\u010dka pro https:\/\/pujka-online.cz\/pujcky\/coolcredit-pujcka\/ studenty bez p\u0159\u00edjmu"},"content":{"rendered":"<div id=\"toc\" style=\"background: #f9f9f9; border: 1px solid #aaa; display: table; margin-bottom: 1em; padding: 1em; width: 350px;\">\n<p class=\"toctitle\" style=\"font-weight: bold; text-align: center;\">\u010cl\u00e1nky s obsahem<\/p>\n<ul class=\"toc_list\">\n<li><a href=\"#toc-0\">Osobn\u00ed p\u016fj\u010dky<\/a><\/li>\n<li><a href=\"#toc-1\">Alternativn\u00ed p\u016fj\u010dky<\/a><\/li>\n<li><a href=\"#toc-2\">Feder\u00e1ln\u00ed studentsk\u00e9 p\u016fj\u010dky<\/a><\/li>\n<li><a href=\"#toc-3\">Spoluru\u010ditel<\/a><\/li>\n<\/ul>\n<\/div>\n<p>Studentsk\u00e9 p\u016fj\u010dky jsou b\u011b\u017en\u00fdm zp\u016fsobem \u00fahrady v\u00fddaj\u016f za studium. Ne\u017e si o n\u011b ale za\u017e\u00e1d\u00e1te, je d\u016fle\u017eit\u00e9 pochopit, do \u010deho jdete.<\/p>\n<p>Hledejte v\u011b\u0159itele, kte\u0159\u00ed nab\u00edzej\u00ed mo\u017enosti spl\u00e1cen\u00ed odpov\u00eddaj\u00edc\u00ed va\u0161\u00ed \u00farovni p\u0159\u00edjmu, nap\u0159\u00edklad pl\u00e1ny zam\u011b\u0159en\u00e9 na p\u0159\u00edjem. Zva\u017ete tak\u00e9 p\u016fj\u010dky, kter\u00e9 nevy\u017eaduj\u00ed spoluru\u010ditele ani \u00fav\u011brovou historii.<\/p>\n<h2 id=\"toc-0\">Osobn\u00ed p\u016fj\u010dky<\/h2>\n<p>Osobn\u00ed p\u016fj\u010dky pro studenty jsou k dispozici, ale \u010dasto vy\u017eaduj\u00ed dobrou bonitu a st\u00e1l\u00fd p\u0159\u00edjem. <!--more--> Mohou pomoci, pokud se objev\u00ed neo\u010dek\u00e1van\u00fd v\u00fddaj, ale m\u011bly by b\u00fdt pou\u017e\u00edv\u00e1ny opatrn\u011b. \u00darokov\u00e1 sazba m\u016f\u017ee b\u00fdt vysok\u00e1 a osobn\u00ed p\u016fj\u010dka se m\u016f\u017ee rychle nahromadit, pokud ji nesplat\u00edte v\u010das. M\u00edt nouzov\u00fd spo\u0159ic\u00ed \u00fa\u010det nebo jin\u00e9 zdroje financov\u00e1n\u00ed m\u016f\u017ee b\u00fdt lep\u0161\u00ed mo\u017enost\u00ed ne\u017e osobn\u00ed p\u016fj\u010dka.<\/p>\n<p>M\u016f\u017eete naj\u00edt v\u011b\u0159itele, kte\u0159\u00ed nab\u00edzej\u00ed osobn\u00ed p\u016fj\u010dky pro studenty bez ov\u011b\u0159en\u00ed p\u0159\u00edjmu. Proces schvalov\u00e1n\u00ed m\u016f\u017ee trvat n\u011bkolik minut nebo hodinu a n\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9 vlo\u017e\u00ed finan\u010dn\u00ed prost\u0159edky ihned po schv\u00e1len\u00ed p\u016fj\u010dky. O osobn\u00ed p\u016fj\u010dku byste v\u0161ak m\u011bli \u017e\u00e1dat a\u017e po vy\u010derp\u00e1n\u00ed v\u0161ech ostatn\u00edch mo\u017enost\u00ed. Pokud jste student s v\u00edzem F-1, m\u016f\u017ee b\u00fdt k schv\u00e1len\u00ed p\u016fj\u010dky vy\u017eadov\u00e1n spoluru\u010ditel.<\/p>\n<p>Abyste zjistili, zda m\u00e1te n\u00e1rok na osobn\u00ed p\u016fj\u010dku, zva\u017ete, kolik si pot\u0159ebujete p\u016fj\u010dit a jak\u00e9 budou va\u0161e spl\u00e1tkov\u00e9 podm\u00ednky. P\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti si tak\u00e9 m\u016f\u017eete ov\u011b\u0159it sv\u00e9 kreditn\u00ed sk\u00f3re, abyste zjistili, na jakou \u00farokovou sazbu byste mohli m\u00edt n\u00e1rok. P\u0159\u00edpadn\u011b m\u016f\u017eete pou\u017e\u00edt online platformu pro p\u016fj\u010dky k zobrazen\u00ed v\u00edce nab\u00eddek najednou. P\u0159ed rozhodnut\u00edm je d\u016fle\u017eit\u00e9 porovnat sazby nab\u00eddek. P\u0159ed pod\u00e1n\u00edm ofici\u00e1ln\u00ed \u017e\u00e1dosti si m\u016f\u017eete p\u0159edb\u011b\u017en\u011b ov\u011b\u0159it, zda m\u00e1te n\u00e1rok na mnoho osobn\u00edch p\u016fj\u010dek, abyste se vyhnuli n\u00e1ro\u010dn\u00e9mu \u0161et\u0159en\u00ed va\u0161\u00ed \u00fav\u011brov\u00e9 historie.<\/p>\n<h2 id=\"toc-1\">Alternativn\u00ed p\u016fj\u010dky<\/h2>\n<p>Pokud jste prozkoumali <a href=\"https:\/\/pujka-online.cz\/pujcky\/coolcredit-pujcka\/\">https:\/\/pujka-online.cz\/pujcky\/coolcredit-pujcka\/<\/a> v\u0161echny ostatn\u00ed mo\u017enosti finan\u010dn\u00ed pomoci a nejste schopni uhradit n\u00e1klady na studium, k dispozici jsou soukrom\u00e9 p\u016fj\u010dky na studium, kter\u00e9 v\u00e1m pomohou zaplatit studium na vysok\u00e9 \u0161kole. Studenti by v\u0161ak m\u011bli p\u0159ed zv\u00e1\u017een\u00edm soukrom\u00e9 p\u016fj\u010dky vy\u010derpat v\u0161echny mo\u017enosti feder\u00e1ln\u00edch studentsk\u00fdch p\u016fj\u010dek. Podm\u00ednky soukrom\u00fdch p\u016fj\u010dek se \u010dasto li\u0161\u00ed od podm\u00ednek nab\u00edzen\u00fdch feder\u00e1ln\u00ed vl\u00e1dou a rodiny by je m\u011bly p\u0159ed rozhodnut\u00edm pe\u010dliv\u011b porovnat. Dlu\u017en\u00edci by nav\u00edc m\u011bli zv\u00e1\u017eit sv\u00e9 \u017eivotn\u00ed pot\u0159eby a dal\u0161\u00ed z\u00e1vazky, kter\u00e9 by mohly b\u00fdt ovlivn\u011bny v\u00fd\u0161\u00ed dluhu, kter\u00fd si vezmou.<\/p>\n<p>N\u011bkte\u0159\u00ed v\u011b\u0159itel\u00e9, jako nap\u0159\u00edklad Ascent, u sv\u00fdch p\u016fj\u010dek nevy\u017eaduj\u00ed ru\u010ditele ani kontrolu \u00fav\u011bruschopnosti. M\u00edsto toho pou\u017e\u00edvaj\u00ed k ur\u010den\u00ed zp\u016fsobilosti alternativn\u00ed faktory, v\u010detn\u011b va\u0161\u00ed \u0161koly, programu, data ukon\u010den\u00ed studia, oboru, akademick\u00e9ho prosp\u011bchu (GPA) a dal\u0161\u00edch faktor\u016f. Studenti, kte\u0159\u00ed tato krit\u00e9ria spl\u0148uj\u00ed, se mohou p\u0159\u00edmo u v\u011b\u0159itele obr\u00e1tit na poskytovatele a zjistit si svou p\u0159edb\u011b\u017enou sazbu.<\/p>\n<p>Edly je dal\u0161\u00ed spole\u010dnost, kter\u00e1 pro z\u00edsk\u00e1n\u00ed p\u016fj\u010dky nevy\u017eaduje spoludlu\u017en\u00edka ani kontrolu \u00fav\u011bruschopnosti. Nab\u00edzej\u00ed tak\u00e9 spl\u00e1tkov\u00e9 pl\u00e1ny zalo\u017een\u00e9 na p\u0159\u00edjmu, kter\u00e9 prov\u00e1d\u011bj\u00ed m\u011bs\u00ed\u010dn\u00ed platby na z\u00e1klad\u011b va\u0161eho v\u00fdd\u011ble\u010dn\u00e9ho potenci\u00e1lu a za\u010d\u00ednaj\u00ed a\u017e po dokon\u010den\u00ed studia. Jedn\u00e1 se o skv\u011blou mo\u017enost pro studenty, kte\u0159\u00ed si cht\u011bj\u00ed vybudovat \u00fav\u011brovou historii, ani\u017e by se zadlu\u017eili, dokud nepromuj\u00ed nebo neza\u010dnou pracovat.<\/p>\n<h2 id=\"toc-2\">Feder\u00e1ln\u00ed studentsk\u00e9 p\u016fj\u010dky<\/h2>\n<p>Osobn\u00ed p\u016fj\u010dky obvykle vy\u017eaduj\u00ed kontrolu \u00fav\u011bruschopnosti a doklad o p\u0159\u00edjmu, ale existuj\u00ed v\u011b\u0159itel\u00e9, kte\u0159\u00ed nab\u00edzej\u00ed student\u016fm p\u016fj\u010dky bez t\u011bchto po\u017eadavk\u016f. Tyto mo\u017enosti mohou b\u00fdt dobrou volbou pro studenty se \u0161patnou nebo \u017e\u00e1dnou \u00fav\u011brovou histori\u00ed, kte\u0159\u00ed pot\u0159ebuj\u00ed financovat v\u00fddaje na studium. Tyto p\u016fj\u010dky v\u0161ak mohou m\u00edt vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby, proto je d\u016fle\u017eit\u00e9 si p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti ud\u011blat pr\u016fzkum.<\/p>\n<p>Dal\u0161\u00ed mo\u017enost\u00ed p\u016fj\u010dky pro studenty bez p\u0159\u00edjmu je feder\u00e1ln\u00ed studentsk\u00e1 p\u016fj\u010dka. Tyto p\u016fj\u010dky spravuje americk\u00e9 ministerstvo \u0161kolstv\u00ed a obvykle se zakl\u00e1daj\u00ed na pot\u0159eb\u011b, nikoli na \u00fav\u011brov\u00e9 historii. Na rozd\u00edl od soukrom\u00fdch studentsk\u00fdch p\u016fj\u010dek nab\u00edzej\u00ed feder\u00e1ln\u00ed studentsk\u00e9 p\u016fj\u010dky tak\u00e9 flexibiln\u011bj\u0161\u00ed mo\u017enosti spl\u00e1cen\u00ed a programy odpu\u0161t\u011bn\u00ed dluh\u016f. Doba spl\u00e1cen\u00ed feder\u00e1ln\u00ed studentsk\u00e9 p\u016fj\u010dky je nav\u00edc omezena na 10 % z voln\u00e9ho p\u0159\u00edjmu dlu\u017en\u00edka.<\/p>\n<p>Pokud nejste imatrikulovan\u00fd student nebo nav\u0161t\u011bvujete kurzy s c\u00edlem v budoucnu zapsat se do studijn\u00edho programu, m\u016f\u017eete m\u00edt tak\u00e9 n\u00e1rok na feder\u00e1ln\u00ed studentskou p\u016fj\u010dku. Ty jsou obvykle zalo\u017eeny na pot\u0159eb\u00e1ch a mohou pomoci pokr\u00fdt \u0161koln\u00e9, knihy a dal\u0161\u00ed poplatky.<\/p>\n<p>N\u011bkter\u00e9 feder\u00e1ln\u00ed studentsk\u00e9 p\u016fj\u010dky, jako nap\u0159\u00edklad program p\u0159\u00edm\u00fdch p\u016fj\u010dek (Direct Loan Program), maj\u00ed fixn\u00ed \u00farokovou sazbu, kter\u00e1 je ni\u017e\u0161\u00ed ne\u017e sazby soukrom\u00fdch studentsk\u00fdch p\u016fj\u010dek a mnohem ni\u017e\u0161\u00ed ne\u017e \u00farokov\u00e9 sazby n\u011bkter\u00fdch kreditn\u00edch karet. Krom\u011b toho feder\u00e1ln\u00ed spr\u00e1vci studentsk\u00fdch p\u016fj\u010dek hl\u00e1s\u00ed v\u010dasn\u00e9 m\u011bs\u00ed\u010dn\u00ed platby dlu\u017en\u00edk\u016f t\u0159em hlavn\u00edm \u00fav\u011brov\u00fdm registr\u016fm, co\u017e m\u016f\u017ee pomoci vybudovat si pozitivn\u00ed \u00fav\u011brovou historii.<\/p>\n<h2 id=\"toc-3\">Spoluru\u010ditel<\/h2>\n<p>Jen m\u00e1lo nov\u00fdch vysoko\u0161kolsk\u00fdch student\u016f m\u00e1 dostate\u010dnou \u00fav\u011brovou historii, aby se kvalifikovali na soukrom\u00e9 studentsk\u00e9 p\u016fj\u010dky bez spoluru\u010ditele. Pokud nem\u00e1te dostate\u010dn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re nebo p\u0159\u00edjem k tomu, abyste si p\u016fj\u010dku zajistili sami, m\u016f\u017eete po\u017e\u00e1dat p\u0159\u00edtele, \u010dlena rodiny nebo zam\u011bstnavatele, aby s v\u00e1mi studentskou p\u016fj\u010dku spolupodepsal. Spoluru\u010ditel\u00e9 nesou pr\u00e1vn\u00ed odpov\u011bdnost za dluh a pokud jej neuhrad\u00edte vy, mus\u00ed jej splatit. V\u011b\u0159itel\u00e9 zohledn\u00ed finan\u010dn\u00ed situaci a \u00fav\u011brovou historii jak dlu\u017en\u00edka, tak i spoluru\u010ditele. P\u016fj\u010dky se spoluru\u010ditelem mohou nov\u00fdm dlu\u017en\u00edk\u016fm pomoci z\u00edskat ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby, ne\u017e by jim byly jinak nab\u00eddnuty.<\/p>\n<p>Ne\u017e se dohodnete na spolupodeps\u00e1n\u00ed \u00fav\u011bru, zva\u017ete sv\u016fj vztah s hlavn\u00edm dlu\u017en\u00edkem a na tom, jak je pravd\u011bpodobn\u00e9, \u017ee budete zodpov\u011bdn\u00ed za zme\u0161kan\u00e9 platby nebo prodlen\u00ed. V\u011b\u0159itel provede d\u016fkladnou kontrolu \u00fav\u011bruschopnosti v\u00e1s i hlavn\u00edho dlu\u017en\u00edka, co\u017e m\u016f\u017ee do\u010dasn\u011b ovlivnit va\u0161e kreditn\u00ed sk\u00f3re. V\u00e1\u0161 spoludlu\u017en\u00edk bude muset dolo\u017eit doklad o p\u0159\u00edjmech a majetku, aby splnil podm\u00ednky pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru. Pokud m\u00e1te s hlavn\u00edm dlu\u017en\u00edkem dobr\u00fd vztah a jste si jisti, \u017ee sv\u00e9 platby spln\u00ed, m\u016f\u017ee b\u00fdt spolupodeps\u00e1n\u00ed \u00fav\u011bru chytr\u00fdm zp\u016fsobem, jak mu pomoci z\u00edskat n\u00e1skok v jeho kari\u00e9\u0159e.<\/p>\n<p>M\u016f\u017eete si tak\u00e9 po\u0159\u00eddit feder\u00e1ln\u00ed studentsk\u00e9 p\u016fj\u010dky, kter\u00e9 nevy\u017eaduj\u00ed spoludlu\u017en\u00edka, jako jsou nap\u0159\u00edklad p\u0159\u00edmo dotovan\u00e9 a nedotovan\u00e9 p\u016fj\u010dky pro studenty bakal\u00e1\u0159sk\u00e9ho studia. Tyto p\u016fj\u010dky jsou zp\u016fsobil\u00e9 pro spl\u00e1cen\u00ed na z\u00e1klad\u011b p\u0159\u00edjmu a maj\u00ed jedny z nejni\u017e\u0161\u00edch fixn\u00edch \u00farokov\u00fdch sazeb na trhu.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nky s obsahem Osobn\u00ed p\u016fj\u010dky Alternativn\u00ed p\u016fj\u010dky Feder\u00e1ln\u00ed studentsk\u00e9 p\u016fj\u010dky Spoluru\u010ditel Studentsk\u00e9 p\u016fj\u010dky jsou b\u011b\u017en\u00fdm zp\u016fsobem \u00fahrady v\u00fddaj\u016f za studium. Ne\u017e si o n\u011b ale za\u017e\u00e1d\u00e1te, je d\u016fle\u017eit\u00e9 pochopit, do \u010deho jdete. Hledejte v\u011b\u0159itele, kte\u0159\u00ed nab\u00edzej\u00ed mo\u017enosti spl\u00e1cen\u00ed odpov\u00eddaj\u00edc\u00ed va\u0161\u00ed \u00farovni p\u0159\u00edjmu, nap\u0159\u00edklad pl\u00e1ny zam\u011b\u0159en\u00e9 na p\u0159\u00edjem. Zva\u017ete tak\u00e9 p\u016fj\u010dky, kter\u00e9 nevy\u017eaduj\u00ed spoluru\u010ditele ani \u00fav\u011brovou &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.mercargova.com\/en\/studentska-pujcka-pro-https-pujka-online-cz-pujcky-coolcredit-pujcka-studenty-bez-prijmu\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Studentsk\u00e1 p\u016fj\u010dka pro https:\/\/pujka-online.cz\/pujcky\/coolcredit-pujcka\/ studenty bez p\u0159\u00edjmu&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-19031","post","type-post","status-publish","format-standard","hentry","category-uncategorized","entry"],"brizy_media":[],"_links":{"self":[{"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/posts\/19031","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/comments?post=19031"}],"version-history":[{"count":1,"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/posts\/19031\/revisions"}],"predecessor-version":[{"id":19032,"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/posts\/19031\/revisions\/19032"}],"wp:attachment":[{"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/media?parent=19031"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/categories?post=19031"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mercargova.com\/en\/wp-json\/wp\/v2\/tags?post=19031"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}