FORMATION OF THE EDUCATIONAL CREDIT PROGRAMS IN THE RUSSIAN FEDERATION
The dynamic growth of paid education stimulated development of educational crediting programs in Russia. This article proposes the stages of the bank lending programs of educational process in our country on the basis of theoretical studies and practices of commercial banks. This allows examining the variety of options of credit resources and creates conditions for a significant increase of the efficiency of educational (student’s loan) credit processes. The comparative characteristics of educational lending programs are formulated. The procedure (scheme) of economic evaluation of provided credit resources is proposed in order to optimize the amount of borrowed funds directed to the payment for education.