How to pay for education with maternity capital in 2020

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Is it possible and how to pay for education with maternity capital? A family holding a certificate has the right to use funds allocated by the state for the education of any child, regardless of priority. Adopted children are no exception. In terms of status, they are equal to biological ones. The conditions for sending maternity capital to study are quite specific; we’ll talk about them, as well as the intricacies of processing the payment, further.

• Maternity capital for studies: features of the direction of funds
• Which institution can you pay for with maternity capital?
• How much money from maternity capital can be spent on a child’s education?
• Payment for kindergarten from maternity capital funds
• Payment for school and college education at the expense of MK
• Payment for accommodation in a hostel with maternity capital
• Documents for registration of payment for studies with maternity capital
• Cancellation of an application for disposal of MK funds
• Paying for a child’s education with maternity capital: practice and reviews
• Paying for tuition with maternity capital: summing up the results

Maternity capital for studies: features of the direction of funds

Parents have the right to allocate funds from the MK for the education of one child or all children at the same time, at their request. At the same time, the following conditions for using the certificate in 2020 should be taken into account:

• Funds are allowed to be allocated to study only after the child whose birth gave him the right to receive MK reaches three years of age.
• Parents do not have the right to pay for their studies. Funds can only be spent on children.
• Training must be carried out in a licensed educational institution, the management of which agrees to receive payment from the capital.
• You can pay for school fees for a child under 25 years of age.
• The educational institution must be located on the territory of the Russian Federation, undergo accreditation and obtain a work permit.

Money from MK is not given to parents. Payment is made by non-cash payment. Funds are sent to the educational institution's accounts. Its details are provided by parents when making payments.

Important! In accordance with Federal Law No. 256 of December 29, 2006, a family has the right to use MK to pay for the education of any child or children, regardless of the order of their appearance.

Parents do not have the right to direct money from MK to their own education. Spending funds is allowed only on children.

What requirements must an educational institution meet?

The state does not set any special restrictions when choosing an educational institution. And yet they exist.

1. The facility is located precisely on the territory of the Russian Federation.
2. There is a license that allows you to engage in educational activities (provide educational services).

More complete information is presented in RF PP No. 926 dated December 24, 2007. This document outlines various nuances that allow you to manage maternity capital for the purpose of educating a child and covering related expenses.

How much money from maternity capital can be spent on a child’s education?

In 2020, the amount of maternity capital is 466,617 + 150,000 rubles. for the first and second child in rubles, provided that the parents have not previously used funds from the certificate. The law does not establish restrictions on the amount of payment for child education expenses. In fact, parents can spend all the money available on the certificate, resetting it completely.

Practice shows that MK is quite difficult to use completely. It is mainly used to pay for the maintenance of children in preschool institutions, and less often in universities.

Deadlines for transferring money to an educational organization

The transfer of funds for a child’s education to an educational organization occurs in stages :

• first, Pension Fund specialists review the application for disposal of maternal capital funds within a month;
• then the first payment is made within two months from the date of application;
• other payments are made according to the terms specified in the agreement.

Due to different life circumstances, the transfer of maternity capital can be :

• canceled at the request of the citizen (this can only be done within two months until the maternity capital is transferred to the educational organization);
• suspended (if the student is granted academic leave);
• terminated (at one’s own request, due to the child’s expulsion from the educational organization or his death);
• resumed (at the end of the academic leave).

In each of the presented cases, the certificate holder must again contact the territorial office of the Pension Fund of the Russian Federation with a corresponding application.

In the event of termination of the provision of paid educational services provided under the contract, there is a possibility that the transferred amount will exceed the actual costs. Unreasonably transferred maternity capital funds are subject to return to the Pension Fund.

Based on the application for refusal to transfer maternity capital funds, the transfer of funds stops within 5 working days from the date of the written request.

How to pay for your studies

The first step is to find out whether the educational institution accepts payment with maternity capital. If yes, you need to prepare some documents for the Pension Fund:

1. Application for the use of maternity capital: a sample can be obtained from the fund itself or downloaded from the website.
2. The certificate itself.
3. Passport and insurance certificate of the parent in whose name the capital is registered.
4. A copy of the agreement on the provision of paid educational services or child care services, for example, in a kindergarten. The agreement must be concluded with the parent who issued the certificate.
5. If you need to pay for a dormitory at a university, you must provide a rental agreement, a certificate of residence in the dormitory, and a copy of the order for the child’s full-time enrollment.

Please note: in some cases, the Pension Fund may require additional documents, for example, a license or teaching permit - this will help prove how the money will be spent.

After submitting and verifying the documents, the Pension Fund will transfer the required amount of funds to the account of the educational institution, after which it will issue a confirmation to the applicant.

Documents for paying for studies from maternity capital.

Documents required to pay for studies with maternity capital are required to be prepared, such as:

• statement;
• identification;
• SNILS.

When a parent’s representative makes a petition, he must have a notarized power of attorney to carry out such actions.

The document form can be obtained directly from Pension Fund employees. It is also located on the official website of the government agency.

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When paying for studies with maternity capital, what documents are required depends on the purpose for which it is used.

When money is needed for training according to the programs provided by the institution, a certified copy of the concluded agreement with the institution that will provide it is provided.

When sending a subsidy to a state preschool educational institution, an agreement is required on the provision of care services for a minor, which must indicate their cost.

When maternity capital is planned to transfer amounts for student accommodation, you will additionally need to provide:

• a certificate that the student lives in the dormitory;
• rent contract.

The agreement specifies the amount to be paid, the frequency of its transfers and other information. Maternity capital is available for education only when the child is under 25 years of age.

If the student entered before this age, then in the future the services of the educational institution can continue to be paid for from the funds of the certificate.

Which institution can you pay for with maternity capital?

Parents can direct funds from MK to their child’s education in any licensed institution, including:

1. Private and public preschool institutions.
2. Higher educational institutions.
3. Private schools and lyceums.
4. Technical colleges and schools.

The main condition for providing payments from MK is the need to pay tuition fees. If an educational institution does not have a license, payment for its services from the certificate will be denied.

Important! Parents have the right to pay with MK not only the child’s education, but also his accommodation in the hostel. A complete list of the purposes of sending MK to study is presented in Government Decree No. 926 of December 24, 2007.

In addition to studying in educational institutions, parents can pay for the services of tutors and various additional classes with MK. In this case, a person engaged in private activities must be registered with the tax authorities and provide training according to government programs. In this regard, in practice, payment for educational services with MK is not always possible due to legal nuances.

The management of the educational institution must agree to pay for services using funds from maternity capital. Otherwise, it will not be possible to process payments. According to the law, parents have the right to pay for their studies using a certificate, but if the management of the institution refuses to accept these funds, nothing can be done about it.

Agreement with an educational organization

When paying with maternity capital funds, a tripartite agreement is concluded. Parties to the tripartite agreement:

• Performer – educational organization
• Customer – parent, certificate holder
• Learning child

The contract must list the paid services provided, as well as the amount and procedure for their payment.

Attachments to the contract:

• Charter of the educational institution;
• Licenses for educational activities;
• Certificate of state accreditation;

Requirements for an educational institution

Basic requirements for the university:

• The organization must be located on the territory of the Russian Federation;
• The training program must have state accreditation;
• The child must be no more than 25 years old at the start of training.

Maternity capital can be used to pay for full-time, part-time and evening education.

From maternity capital funds you can pay for:

• Training in general education programs that have passed state accreditation in state and non-state educational organizations;
• Maintenance, supervision and care of a child in an educational organization and kindergarten;
• Accommodation in a dormitory provided by an organization of secondary and higher education.

Maternity capital can be used to pay for the services of any educational (higher, secondary or preschool) institution, provided it has a license and accreditation for the educational program.

Payment for accommodation in a hostel with maternity capital

During the period of study at college or institute, the child will need to pay for accommodation in a dormitory from maternity capital. In this case, the certificate holder will need to enter into a rental agreement for residential premises with the educational institution.

Important!!! Payment for a rented apartment using MK funds is excluded.

The rental agreement must contain:

• Data from both sides of the transaction.
• Characteristics of the premises.
• Timing of the deal.
• Monthly payment amount.
• Frequency of payments.
• Recipient's bank details.

The rental agreement should also include the possibility of unilateral termination in the event of the death of a child, academic leave, or expulsion from an educational institution.

Application and documents for using maternity capital for training

An application for the allocation of MSK funds for education, accommodation of a child in a dormitory, or payment for the maintenance and care of a child can be submitted no earlier than 3 years after the birth of the baby, in connection with whose birth the right to a certificate arose. You can contact the territorial office of the Pension Fund of the Russian Federation, multifunctional centers of the MFC, or through the website of the Russian Pension Fund.

List of documents required to be submitted when submitting an application:

• maternity capital certificate or its duplicate;
• documents proving the identity of the certificate owner, place of residence (passport of a citizen of the Russian Federation);
• SNILS of the person who received the certificate;
• documents confirming the authority of the citizen, if the application is submitted by an authorized person - a power of attorney certified in the manner prescribed by law, a passport of the representative.

Additional documents depending on the specific chosen direction:

1. If funds are allocated to pay for paid educational services, then a copy of the contract for the provision of an agreement . The original agreement in the applicant’s hands and a copy of it that is not certified by the educational organization are not accepted by the Pension Fund of Russia. The contract must indicate the customer - the mother or father of the child, and the student - the child .
2. To pay for the maintenance of a child, supervision and care for him in a kindergarten, it is additionally necessary to submit an agreement between the educational organization and the owner of the certificate , containing the obligations of the kindergarten for the maintenance and (or) supervision and care of the child (indicating his personal data), as well as the amount payment and settlement procedure.
3. If MSC funds are sent to pay for living in a dormitory, it is necessary to provide a rental agreement for residential premises indicating the amount and terms of payment, as well as a certificate from the educational organization confirming the fact that the child is living in the dormitory.

If an organization provides a deferred payment in connection with the allocation of capital funds for the initial payment for tuition, maintenance, supervision and care, as well as accommodation in a dormitory, this must be reflected in the relevant contracts or in an additional agreement .

Use of funds in educational institutions

Maternity capital can be used to pay for the education of one of the children, or part of the education of several children, only after three years have passed from the birth or adoption of the child.
An exception is the allocation of MSC funds for preschool education, including the services of kindergartens and private nannies. Here age restrictions have been abolished since 2020. The legislation does not prohibit using this amount, in parts, and for each of the children, and not for one. For example, you can pay for education for an older child, and also pay part for education for a younger child.

The only thing is that you cannot pay for a child’s education if he has already reached 25 years of age.

Also, the state allows you to pay the entire amount for studying at a higher educational institution in a lump sum or pay it in installments for each semester.

List of documents

To apply for tuition payments, you will need:

• maternity capital certificate;
• SNILS for the person who is the owner of the certificate;
• proof of identity (preferably a passport);
• a statement indicating the purpose for which the funds should be allocated;
• an agreement confirming the fact of the child’s admission to an educational institution on a paid basis;
• certificate of this institution that it has state accreditation (certified photocopy);
• agreement for renting a room in a dormitory (with the obligatory attachment of a certificate from the educational institution that the child actually lives there).

Important!
It is mandatory to write an application to the Pension Fund before May 1 of the year in which the child plans to enroll in an educational institution. During this period, you need to bring only basic documents, and papers that can be taken only after admission will need to be brought before October 1 of the same year. Only after this the necessary funds will be transferred to the establishment’s account.

Where to go to pay for your studies with maternity capital.

The issuance of the certificate is regulated by Law No. 256-FZ of December 29, 2006. Changes were made to the regulatory act, the last of which was dated August 2, 2019.

According to the latest edition, maternity capital is fully or partially transferred to pay for:

• paid services;
• babysitting a preschooler;
• accommodation in a dormitory for the period of study.

The main condition of the government body is that the institution must be licensed to conduct activities.

In other words, maternity capital, if desired, is used to pay for a private institution of any level of education, if it is located in Russia and is licensed to provide the relevant services.

To manage funds, you must visit any branch of the Pension Fund located nearby. In this case, the citizen’s registration address does not matter.

The application can also be submitted through your Personal Account on the official website of the Pension Fund. It is allowed to submit an application by a third party if he has a notarized power of attorney, or by post.

Payment for kindergarten with maternity capital.

When can you use maternity capital?

If you decide to use maternity capital to cover the education costs of one of your children, you will have to wait until the right to use it comes into force. By the way, it becomes possible to make a payment only after the child for whom you received maternity capital turns three years old .

Family capital funds can be used for education only after the child for whom the capital was received is at least 3 years old.

The fact is that it is believed that previously he could not be in educational institutions due to natural reasons: the baby is not yet old enough. At the same time, it does not matter that you, for example, want to spend the maternity capital received for a younger child; the law obliges you to wait on an older child.

If you urgently need to pay for the education of your older child, all that remains is to look for other sources of funds, since until the child for whom maternity capital is given reaches three years of age , you have the right to cash out a certificate only to repay a mortgage loan taken out to improve the family’s living conditions.

Is it possible to get a tax deduction?

The law provides for partial reimbursement of training costs. When paying for a university or paid services in educational institutions, you can receive a tax deduction amounting to 13% of the funds spent.

If the money is paid from maternity capital, then it will not be possible to return part of the expenses from the treasury. This occurs because the parent did not spend taxable personal income on education.

Tax deduction for a child’s education: at a university, in kindergarten, in college, documents 2020.

Correspondence studies

It is possible to allocate funds not only for full-time studies at a university, but also for correspondence courses.

Conditions

The application must be submitted to any accredited university or college. Part-time classes are paid the same as full-time classes. But in the case of institutions, there is a restriction - the eldest son in the family (which is usually what we are talking about must be no older than 25 years).

Documentation

A triple or double agreement is concluded between the parties (sometimes the child himself is a party), which stipulates the terms of payment for correspondence education. It indicates the payment procedure, details and amount of fees for educational services.

Payment for child care in kindergarten

The first case when raising a child, when there is a need to invest large amounts of money, is most often the child’s enrollment in kindergarten and his further stay. Some families cannot pay for the services of such an institution out of their own pockets. For them, in 2020, the use of MK was allowed until the child reaches 3 years of age.

Documentation

To conclude an agreement with the Pension Fund of Russia, the mother must have with her a certificate and the original agreement with the preschool educational institution. Money is transferred annually, monthly or quarterly. The contract that the child’s mother concludes with the head of the preschool educational institution must stipulate the obligations, price of services and payment details of both parties. Only licensed organizations can receive such funds. In each individual situation, the amount and terms of payment are discussed individually depending on the organization and the list of services.

Conditions

The main condition for providing funds to pay for kindergarten is submitting documents to the Pension Fund and their successful verification. The money is transferred to the institution's account. A certificate is also used to pay for one or more children. At the same time, restrictions have been introduced on the receipt and use of money: you cannot use funds to pay for the services of an individual entrepreneur, since the law only provides for the possibility of using swear words. capital in public educational institutions. In this case, related services are considered to be: catering, hygiene, educational and household work. Preschool educational institutions (DOUs) do this only if they have a license.

Preschool educational institutions can be municipal, departmental and private. All of them must comply with sanitary standards and have a strict daily routine, including sleep, walks and meals (possible in different time ratios). The building must maintain a comfortable temperature, employees must undergo medical examinations and provide favorable conditions for children to stay.

Payment for kindergarten from maternity capital funds

The mechanism for paying for a preschool institution from MK funds is quite simple. The certificate holder should first discuss this issue with the head of the organization, subsequently drawing up an agreement on the provision of services. The document must contain:

1. Details of both parties to the transaction.
2. List of services provided.
3. The amount of payment for services for one calendar month.
4. Frequency of payments.
5. Bank details of the recipient of funds.

Parents have the right to independently determine the frequency of payments: monthly, quarterly or annually. As a rule, under the contract, payment occurs in a lump sum over a long period (10-12 months). This is beneficial for the educational institution.

Important!!! When paying for kindergarten with MK, parents retain the right to receive monthly compensation.

The amount of compensation depends on the child’s status:

• First - 20%.
• The second – 50%.
• The third – 70%.

As a standard, compensation is returned to the parents’ accounts after a certain period of time after payment for the kindergarten. However, in the case of MK, the funds will be returned to the certificate. Moreover, the amount of payment can be calculated minus the amount of compensation.

Payment for educational programs

In accordance with the MK law, any of the children can be sent for education. This is the most common form of use of this financial "privilege". Any deductions are made only on a non-cash basis. The list of educational institutions includes all types, from kindergartens to schools and higher educational institutions. Any child has the right to study at the expense of MK. This condition does not depend on his position in the family.

Conditions

The certificate is used to pay for services such as training, accommodation in a dormitory, as well as maintenance, supervision and child care. As a rule, financial assistance is provided for any list of accredited educational services (state and non-state organizations). The main thing is that the establishment has a license and is a legal entity.

Documentation

To make payment, you must contact the Pension Fund with a certificate and an agreement with the institution. The Pension Fund resolves this issue within a month and makes the first payment within 10 days. Funds are transferred in accordance with the agreement, which specifies the amount of payment, the obligations of the parties and bank details.

Maternity capital to pay for a child’s education in educational programs

The certificate can be used to pay for the education of any or all of your children, including adopted children, regardless of their birth order. The only condition that is imposed on the child himself is that he must be no older than 25 years old at the time of starting training.

1. Federal money can be used for a child’s education in any educational institution that is located on the territory of the Russian Federation and officially has the right to provide educational services.
2. The form of ownership of the educational institution does not matter - you can choose either a state or municipal institution, or a private, non-state institution.

However, a private educational institution is subject to the same requirements as state ones in terms of having a license confirming the right to engage in teaching, and must also have valid state accreditation .

This is due to the desire of the legislator to protect the interests of children and provide them with the opportunity to receive a good, quality education at the expense of the state.

According to Art. 92 of the Law “On Education”, state accreditation is a procedure for checking and confirming compliance of training with established standards. The action is carried out by authorized control and supervisory authorities in the field of education. If this test is successfully passed, the organization is issued a certificate of state accreditation for a period of 6 years or 12 years.

mandatory accreditation , which include:

• basic professional educational programs (higher and secondary vocational education);
• basic general education programs (schools).

Thus, in addition to higher and secondary specialized education, if you have state accreditation, it is possible to pay with a certificate:

• educational services in kindergartens of all types and forms, implementing educational programs for preschool education along with the responsibilities for maintaining children, supervision and care;
• educational programs of primary general, basic general and secondary general education .

At the same time, preschool education and additional education in the form of clubs, courses and sections do not require mandatory accreditation to carry out activities, and therefore most often cannot be paid for from maternity capital.

It should be borne in mind that according to the existing procedure, accreditation cannot be established if a graduate has never graduated in this profession. This means that if an educational institution introduces training in a new profession for the first time, then it cannot have ! Accordingly, it will also be impossible to direct maternity capital to such studies.

Terms of payment for education of the older child

According to Part 3 of Art. 11 of Law No. 256-FZ, using the maternity capital certificate (MK), you can pay for the education of your eldest child and other related expenses if his age does not exceed 25 years . It does not matter whether the child is a natural child or an adopted one. You can direct maternity capital to education after the child, with whose birth the right to obtain a certificate arose, turns 3 years old . It is possible to apply earlier if you plan to use capital to pay for the preschool education of an older child .

conditions must be met :

• it is necessary that the institution providing paid educational services be located on the territory of the Russian Federation ;
• The organization must have a license to provide paid educational services .

In 2020, changes came into effect (clause 2 of Article 1 of Law No. 432-FZ of December 28, 2017), according to which institutions providing services are no longer required to have educational status. It is also no longer required that educational programs being implemented undergo state accreditation.

This means that now maternity capital can be used, for example, to study at an art or language school, in various sports sections and other developmental clubs.

In 2020, you can pay for the education of your older child with maternity capital in the following organizations :

• higher education (according to bachelor's, specialist's, master's, postgraduate, residency programs);
• secondary vocational education (colleges, technical schools);
• secondary education (private schools);
• preschool education (kindergartens);
• additional education (clubs and sections).

Despite the fact that payment for clubs and sections is legally permitted, in practice the Pension Fund may refuse to spend funds for these purposes. In addition, the question remains unclear whether MK can be used to pay for services provided by individual entrepreneurs , since they do not operate in the form of legal entities (organizations).

Can I pay for college?

It is possible to pay for college studies using maternity capital , since the law does not establish restrictions that would prohibit this. Maternity capital can also be used to pay for tuition in other institutions of secondary vocational education (technical school, college).

Studying at college is different in that a student can choose one of two areas of secondary education:

• basic - 3 years ;
• in-depth - 4 years .

Both of these areas can be paid for using a certificate, provided that the college is located on the territory of the Russian Federation and also has a license to provide educational services . Whether the chosen college is affiliated with the university or not does not matter.

How to pay for university studies with maternity capital?

In order for the certificate holder to be able to use maternity capital to pay for the education of an older child at a university or institute, it is first necessary to conclude a tripartite agreement with the university, in which the certificate holder will be declared as the customer, and the child as the student. This form is needed because a bilateral agreement presupposes the conclusion of an agreement between the university and the student, and he is not the owner of the certificate, in this case the Pension Fund of Russia would refuse the order (to approve the application for the order, the Pension Fund requires the provision of an agreement on the provision of paid educational services concluded between certificate holder and organization ).

The contract must indicate :

• university data (name of institution, license number for providing educational services);
• Child's full name;
• Full name of the certificate owner;
• faculty, specialty, duration of study;
• start date and semester of studies;
• full cost of training;
• deadlines for making payments and their size;
• details of the parties and their signatures.

After the agreement is concluded, it is necessary to contact the Pension Fund with a copy and application.

Is it possible to pay for distance learning with maternity capital?

Law No. 256-FZ does not establish restrictions on the forms of education that can be paid for with maternity capital, which means the certificate funds can be used to pay for part-time . To do this, you need to conclude an agreement with an educational organization, in which, in addition to the cost, you must indicate the distance learning option. After this, the agreement with the application is submitted to the Pension Fund.

Maternity capital funds can be used to pay for not only part-time, but also part-time (evening) forms of education, if the chosen program requires it.

Supervision and care of children in a preschool educational organization

It became possible to transfer maternity capital not only for education, but also for paying for the maintenance, supervision and care of children in kindergarten not so long ago with the entry into force of Government Decree No. 931 of November 14, 2011 on amending the existing Rules. It is also possible to pay for the maintenance of a child in extended day groups at school.

The main condition for sending MSC to pay for a kindergarten is the availability of a license , while the institution itself must operate in the form of a legal entity and can be:

• municipal;
• departmental;
• private.

To direct maternity capital to pay for kindergarten, it is necessary to submit to the Pension Fund a service agreement that meets a number of requirements:

• the actual parties to the contract must be the certificate holder and the institution;
• the text of the contract must contain obligations regarding the maintenance and (or) supervision and care of the child;
• a specific amount must be indicated for a certain period, for example, a month, and not the cost of stay per day without indicating the actual volume of services provided;
• The bank details of the institution must be indicated in full.

The family sending maternity capital to pay for kindergarten chooses the required frequency of transfer:

• monthly;
• quarterly;
• lump sum for the entire year.

The first payment is transferred to the Pension Fund within two months from the date of submission of the application for disposal of MSC funds, the rest will be made in accordance with the deadlines specified in the agreement. All payments will be made by bank transfer.

It is important that parents who pay for kindergarten with a certificate also have the right to compensation for part of the parental fee provided for by local legislation. In this regard, the amount of funds allocated under the agreement is calculated taking into account compensation.

If maternity capital is used in this area, parents must immediately contact the territorial office of the Pension Fund of the Russian Federation:

• in case of early termination of the contract with a preschool institution - with a statement of refusal to transfer maternity capital funds;
• if the timing of the transfer of funds or the amount of payment by the parents of the kindergarten changes - with a statement to clarify the use of MSC funds.

Paid educational services for accredited educational programs

One of the conditions for directing maternity capital to paid educational services is the receipt of state accreditation by educational organizations for those programs for which it is planned to transfer certificate funds.

When choosing an institution where their children will study, parents should pay special attention to this fact, since the presence of accreditation of the organization itself does not guarantee the presence of such for all programs it implements . According to Art. 92 Federal Law No. 273 of December 29, 2012 “On Education in the Russian Federation”, the decision on state accreditation is made:

• for basic general education programs of primary, basic, secondary education - in relation to each level separately;
• for basic professional educational programs of higher and secondary education - for each group of professions, specialties and areas.

Since it is believed that education in Russia is free, in general, paid services in education include:

• training in basic educational programs in excess of allocated budget places;
• training in additional programs;
• teaching special courses;
• tutoring;
• in-depth study of subjects;
• training and retraining of workers and specialists in secondary and higher education, carried out in addition to assignments for admitting students, financed from the relevant budgets.

However, not all of them can use maternity capital, since state accreditation under the Law “On Education” is provided only for basic educational programs . Read more…

To pay for paid services related to education with maternity capital, the owner of the certificate enters into a written agreement on the provision of such services with the educational organization and submits it to the territorial body of the Pension Fund of the Russian Federation.

Since payments under the contract in most cases are provided for a certain period with a specified frequency, parents need to remember:

• when changing the amount or terms of payment, as well as in case of refusal to send certificate funds for paid services, it is necessary to write appropriate statements to the Pension Fund of the Russian Federation;
• amounts exceeding the actual costs of education are subject to return to the Pension Fund.

Accommodation of a child in a dormitory for the period of study at a university

In addition to direct education, according to the law, maternity capital can also pay for a child’s accommodation in a dormitory for the period of study at a college or university. To do this, the certificate holder enters into a rental agreement for residential premises with the university that provides the dormitory.

• Transfer of MSC funds is carried out by bank transfer to the account of the higher educational institution specified in the rental agreement.
• The first payment will be received within two months from the date of submission of the application for disposal of funds or part of the maternity capital funds, the rest - according to the deadlines specified in the agreement.

The grounds for stopping the transfer of maternity capital funds during the period of study at a university may be:

• academic leave for medical reasons or at the student’s personal request;
• expulsion from the university at will or due to poor academic performance;
• death of a child.

In each of the above cases, the owner of the certificate must write a statement of refusal to send maternity capital funds, indicating the reason. Upon completion of the academic leave, it is necessary to re-submit an application to the Pension Fund for the disposal of MSK funds, attaching to it a copy of the order on the student’s admission to study .

Paying for a child’s education with maternity capital: practice and reviews

Despite the simplicity of paying for a child’s education using maternity capital, many parents encounter difficulties. They are:

• Impossibility of paying for the services of an educational institution until the child reaches the age of three.
• Lack of consent from educational institutions to accept payment from MK funds.
• Problems with the educational institution having a license.

There may be a significant age difference between children, which is an obstacle to paying for the education of an older child at a university.

Example . The Sidorenko family has two children. The eldest daughter studies at the Institute of Economics full-time on a paid basis. The youngest son was only one year old. The children's mother is on maternity leave, the family lives off child benefits and the father's salary. They could pay for the education of their eldest daughter with MK, but they cannot, because... my son is less than 3 years old.

Revising the rules for processing payments would help completely solve the above problem. Another common situation is the refusal of an educational institution to accept payment from MK funds.

Example . Fedorova S.M. is raising two minor children. The youngest child attends kindergarten. The woman approached the director with a question about paying for the services of a preschool institution from MK, but was refused. As it turned out, the kindergarten accountant does not know how payment is calculated in this case and how exactly to conclude an agreement.

If management refuses to accept payment from MK funds, it is quite difficult to influence their decision. Compulsory conclusion of a contract is excluded.

List of educational programs subject to state accreditation

General education. It includes:

• average;
• basic;
• initial.

• Training for mid-level professionals (colleges and technical schools provide secondary specialized education).
• Providing higher education. A citizen graduates from an institute, academy, or university.
• Advanced training (subsequent retraining).

Funds from maternity capital can be used if the educational institution has programs that are subject to state accreditation. Only preschool institutions become exceptions here. The opportunity to pay for the education of a child (children) using maternity capital funds is in great demand today. Statistics show that the use of microfinance for education is in second place after family expenses for improving living conditions.

What documents will you need to submit to process tuition payments?

Parents of a student need to have:

1. a certificate confirming the right to use maternal capital;
2. proof of identity (passport);
3. SNILS of the certificate owner;
4. a statement indicating the purpose for which maternity capital is used;
5. agreement on the child receiving education on a paid basis;
6. a certified photocopy of the state certificate. accreditation of an educational institution;
7. agreement for renting a square in a dormitory (you will need to attach a certificate certifying the fact that the young person is living in the dormitory; the document is approved by the educational institution).

We must remember! An application to the Pension Fund must be submitted before May 1 (meaning the year of admission to the educational institution).

If you use maternity capital, you will only need to submit basic documents by May 1st. The remaining papers that will be issued after receipt can be submitted to the Pension Fund before October 1 of the same year. And then the funds will be sent to the institution’s account from the Pension Fund.

Can the mother of a child use maternity capital for her own needs?

Back in 2011, deputies of the Russian Federation began to discuss the question of whether the mother of a child could use maternity capital in order to obtain her education. After all, this is a real benefit for the whole family, including its young members. Then the proposal to legalize this possibility was rejected. Although capital is called maternal capital, in 2020 it is allowed to use funds only for direct benefit for one’s children. The only option provided is how to use the money in the interests of the mother, and not the child himself. This is a transfer of funds to a pension savings fund.

Order rules

All possible directions for disposing of maternal capital are grouped in Federal Law No. 256-FZ. From the very beginning of the implementation of this program, the family could compensate for paid educational services in relation to their own children. Payment terms in this area have not changed significantly in 2020:

1. Any educational services provided to a child before he or she reaches the age of 25 are subject to compensation (it is assumed that by this time the child will have completed his studies at a university);
2. money from the budget is not given to parents or the child in cash, but is transferred to the account of the educational institution on the basis of an agreement;
3. The educational institution must have a permit to provide such services - a license (it is attached to the training contract).

Please note that payment in this case will be made only within the limits of the remaining capital. If the family has not previously managed MSK funds, the entire amount will be available - in 2020 it is 466,617 rubles .

A new rule included in Resolution No. 926 is compensation for expenses for living in a hostel, including the payment of utilities. This option for spending maternity capital is an independent direction, i.e. it can be used simultaneously with payment for the educational process. We will describe below the procedure for confirming the costs of training and accommodation in a hostel.

In addition to compensating for the costs of studying at a university or technical school, parents can use other purposes for managing maternity capital:

• additional educational services - sections, clubs, music and art schools, etc.;
• preschool education and child upbringing;
• payment for child care and upbringing services outside preschool institutions.

For each of these areas, the general requirements of Federal Law No. 256-FZ must be met - the institution must have a valid license, and the educational program must comply with state accreditation. These conditions make it possible to guarantee the quality of the educational process, since it will be monitored by authorized government departments.

In 2020, age restrictions on preschool education were removed from legislative acts - you can submit an application to the Pension Fund department immediately after the birth of a child giving the right to maternity capital. In this case, you need to take into account the time frame for checking documents in the pension department - 1 month for consideration of the application and up to 10 days for transfer of funds. Therefore, the actual disposition will take place only 1 month and 10 days after the application is submitted.

The spending options listed above can be used simultaneously for the benefit of several children, however, within the limits of the maternity capital balance. For example, you can pay for an older child’s education at a vocational school and, at the same time, compensate for the costs of kindergarten for younger children. Therefore, parents can apply for the transfer of funds to MSC repeatedly until they fully use the amount of maternity capital.

Link to document: Federal Law No. 256-FZ of December 29, 2006

Link to document: Decree of the Government of the Russian Federation No. 926 of December 24, 2007

In what situations is the application canceled and the transferred money returned?

The certificate holder may wish to withdraw the application to use the funds for educational purposes. That is, the application is cancelled. For this purpose, the application is sent to the territorial branch of the Pension Fund. The applicant is:

• the owner of the capital personally;
• his representative.

The application can be submitted within 2 months (no later than this period) from the date of filing the previous application regarding the disposal of maternity capital. The moment of transfer of funds to the Pension Fund according to the previous application of the copyright holder should not yet occur.

Sources

• https://vseolgotah.ru/maternity-capital/kak-oplatit-obuchenie-materinskim-kapitalom
• https://potrebiteli.guru/materinskij-kapital/oplata-obucheniya-detej.html
• https://LawPen.ru/privileges/maternal_capital/oplata-ucheby-matkapitalom
• https://materinskij-kapital.ru/use/poluchenie-obrazovaniya/
• https://pravasemei.ru/deti/materinskij-kapital/kak-oplatit-obuchenie-materinskim-kapitalom/
• https://gosuslugi365.ru/materinskij-kapital/na-obrazovanie-detej.html
• https://materinskij-kapital.ru/use/poluchenie-obrazovaniya/obucheniye-starshego-rebenka/
• https://pro-materinskiy-kapital.ru/ispolzovanie/obuchenie/
• https://byrich.ru/2920-materinskij-kapital-na-obuchenie.html

How to register correctly

An agreement with an educational institution will be of key importance when allocating funds to MSK. When compiling it, the following rules must be taken into account:

1. the text of the contract must indicate not only information about the child undergoing training, but also about the holder of the MSK certificate;
2. the annexes to the contract must include a copy of the license, as well as a copy of the certificate of state accreditation of the educational program;
3. Payment for the educational program can be made through a one-time payment or by establishing monthly payments.

According to the rules of the educational process in universities, the basis for admission to the next semester or course is the successful passing of exams. Therefore, the training contract will be renewed annually or every six months. Since the disposal of maternal capital occurs strictly according to the terms of the contract, each time parents have to re-collect documents and submit them to the Pension Fund department.

If payment is made for the hostel and utilities, the fact of residence will be confirmed by the rental agreement. This document is also subject to annual renewal. Expulsion from a university or granting academic leave automatically deprives you of the right to reimbursement of expenses from maternity capital - both for studying and for living in a dormitory.

When sending MSC funds for the services of preschool institutions, the following rules are taken into account:

1. Only actual expenses are subject to payment - for this, the child’s attendance schedule will be taken into account, and if necessary, payments will be recalculated;
2. if children or parents have state and municipal benefits for maintaining a child in kindergarten, maternity capital funds will be allocated only for the actual amount of payment;
3. Payment from the budget is made only if the kindergarten has a license and a certificate of state accreditation.

The agreement with the preschool institution will also provide for a one-time payment or monthly payments. Money will be transferred to the DDU account in strict accordance with the payment schedule under the agreement. If the child did not attend kindergarten, the basis for recalculation will be the attendance schedule - the preschool institution will be required to return the remaining funds to the Pension Fund account (they will be taken into account in the remaining capital).

The contract with the preschool institution must specify the obligations for the care and education of a young child. In this case, the form of the kindergarten does not matter if it has a license - kindergartens can be of state or municipal subordination, or belong to a departmental fund.

Submission of documents

The basis for transferring funds in favor of the educational institution will be the application of the owner of the MSK certificate. It is submitted to the local Pension Fund department or through the MFC system. The complete list of documents that the applicant must submit is as follows:

1. application for disposal - it can be submitted by the certificate holder himself or by a representative by proxy;
2. the applicant’s passport or power of attorney for a representative;
3. passport or birth certificate of the child;
4. an agreement with an educational or training institution, accompanied by a license and certificate of accreditation;
5. payment details by which funds from the budget will be transferred;
6. certificate of enrollment of the child in the educational program;
7. agreement for the rental of residential premises and the provision of utilities;
8. MSK certificate.

Download the application for disposal of maternity capital funds (sample/form)

When checking documents, the Pension Fund department is obliged to make a request to the educational institution to confirm that the child is studying. As a rule, such a request is sent through interdepartmental exchange channels and takes a matter of days. The total verification period cannot exceed one month, after which the money is transferred within 10 days.

Make way for mothers - a site for young parents

It is not very clear why this money cannot be spent on other purposes; apparently our deputies have their minds occupied with other things. A car would be very useful for many (and especially large) families to take their children out of town to visit their grandparents. But so far there is no such possibility. Such conversations had already taken place, but the prospects were not so rosy - maternity capital for a car was supposed to be allowed to be spent only when purchasing domestic opuses of the auto industry, which would not have the best impact on the safety of those same children, in fact. At this point the conversations reached a dead end and have not yet been returned to this. Perhaps this is for the best.