Paying for studies with maternity capital: documents, deadlines, tax deductions.

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.

Maternity capital for education: list of documents and deadlines

An application for the disposal of MSC funds for the education of children and other expenses associated with obtaining an education, which is accepted by the territorial body of the Pension Fund of the Russian Federation, can be canceled at the request of the citizen who received the certificate.
To do this, it is necessary to submit an application to cancel a previously submitted application for the disposal of MSC funds for the education of children. Also, the transfer of maternity capital funds for the education of a child (children) may be suspended in connection with the provision of academic leave to the student. To do this, the holder of the MSK certificate must send to the territorial body of the Russian Pension Fund an application for refusal to send funds and attach a copy of the order to grant the student academic leave, certified by the organization.

Name, legal form and type of institution.
Address.
Full name of the person acting as the performer, the grounds for his actions.
Customer data.
Detailed list of services.
Form of education (full-time, part-time, distance learning, etc.).
Terms of provision of services and completion of training.
Cost of training, payment procedure for services, return of unused funds.
Information about the document that the student will receive upon completion of training.

You can obtain a certificate from the Russian Pension Fund. The right to receive is the birth of a second child. At the moment, the amount of mat capital is 253,000 rubles. And you can use it once your child reaches the age of three. Without waiting 3 years, you can spend your capital on purchasing real estate.

To use maternity capital to pay for education, you must meet the requirements prescribed by law. Basically, there are requirements for the educational institution. The organization must be located and registered in Russia. It is impossible to spend money on studying abroad, even with an additional payment.

1) a copy of the agreement on the provision of paid educational services (parents must enter into an agreement with the educational institution, certified by the educational institution); 2) passport and certificate for maternity capital; 2) a copy of the license of the educational institution for the right to provide these services;

The procedure for using maternity capital for children's education has been simplified. The Rules for the allocation of maternity capital to pay for education indicate a list of documents that must be submitted to the administration of the Pension Fund of the Russian Federation at the place of residence. Must be presented

To date, many families throughout Russia have not only received a certificate for maternity capital, but have also taken advantage of it. In particular, over the 11 years of the program’s existence, 4.7 million people have improved their living conditions by receiving maternity capital for their second child. In turn, 410 thousand people allocated maternity capital to educate their children.

Budget funds can be spent on the education of the child (children). The main condition is that the child whose birth is associated with obtaining the right to maternal capital reaches three years of age. Therefore, paying for tuition with maternity capital for up to three years in 2020 is impossible.

You can use the certificate to pay for education already two months after the right to maternity capital arises - this period from the moment of birth or adoption of the second child will have to wait. Then money from the Pension Fund can be used to pay for relevant educational services.

This method of using maternity capital also applies to a certain time limit - the period of use of funds is limited by strict limits. All parameters for the use of funds for educational purposes are specified in Article 11 of Federal Law No. 256 of December 26, 2006, which lists other measures of additional support for families with children.

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Maternity capital is an excellent opportunity to support the population from the state. Every citizen can receive financial assistance from the Government if it meets the conditions specified in the legislative act. A minimum of documents will be required for registration. But transferring funds takes more than two months.

About the program

Since the beginning of 2020, it has become possible to obtain a maternal certificate. At the moment, the program is still in effect and will be extended. This is an additional measure of government support. In accordance with current legislation, the following can count on receiving family capital:

A woman who is a citizen of the Russian Federation. At the same time, she can either give birth to a second child or carry out the adoption procedure;
A man who is a citizen of the Russian Federation, who is the adoptive parent of children, if there is a court decision on the entry into force of the resolution;
Father or adoptive parent. There are no requirements for Russian citizenship. Death of a woman or deprivation of rights, commission of acts against a child;
A minor if he is a full-time student until he is 23 years old, unless there are additional measures to support his father or mother.

There are certain requirements for spending funds. A referral to improve living conditions is possible. In particular:

purchase of real estate - apartment, house, room;
repayment of mortgage lending or targeted loan;
real estate reconstruction;
compensation for real estate construction;
home renovation yourself;
shared construction or participation in a cooperative.

Also, the transfer of maternity capital funds for the education of a child (children) may be suspended in connection with the provision of academic leave to the student.

To do this, the holder of the MSK certificate must send to the territorial body of the Russian Pension Fund an application for refusal to send funds and attach a copy of the order to grant the student academic leave, certified by the organization.

To resume the transfer of funds, it is necessary to submit an application for the disposal of funds, to which is attached a copy of the order for the student’s admission to the educational process.

Maternity capital can be directed to the education of any of the children when the second, third child or subsequent children turn three years old. An exception is preschool education - in this area, maternity capital can be disposed of immediately after the birth of a child, which gives the right to a certificate.

The transfer will be made within two months from the date of submission of the application by the child’s parent. If monthly payment was chosen, then the remaining payments will occur in accordance with the terms specified in the contract.

the child’s stay in development centers and kindergartens;
studying in language centers;
undergoing training at an art or music school;
obtaining secondary or higher education;
other expenses related to the child’s education (accommodation in a dormitory, etc.).

Important! The funds will be transferred not to the parents’ bank account, but to the account of the institution or educational organization where the child is studying, on the basis of an agreement. The pension fund never provides such assistance in cash.

According to the rules, you can spend maternity capital on children’s education. Despite the fact that this type of assistance is issued after the birth of the second or subsequent children, the funds can be used to pay for the education of any child. Educational institutions working with the program include:

kindergartens;
early development centers (for children from 3 years old);
language schools and courses for children;
schools regardless of status (general education, lyceum, gymnasium, private, boarding or half board);
distance learning;
Universities and specialized schools.

The main condition is that the educational institution must have appropriate accreditation.

Moscow Moscow region:
St. Petersburg and Leningrad Region:
All-Russian:

Parents also have the opportunity to pay for their child’s accommodation in the dormitory of the educational institution using maternity capital. You can submit an application to withdraw funds from the certificate only after the child who gave the right to registration reaches the age of 3 years, therefore, nurseries and educational clubs for young children do not fall under this program.

The money can be used to pay for children’s education in any institution throughout the country. You can use all the funds on the certificate at once, or a certain part of them; you are also allowed to divide the money between all children in the family. All financial settlements related to the use of state support for any type of paid educational services are carried out exclusively by non-cash payment method.

Additional school education or clubs in kindergartens can also be paid for with program funds. Institutions include:

children's and teenagers' clubs;
driving schools;
art and music schools.

education in kindergarten (specialized groups);
studying at a music school;
studying at an art school;
tuition fees in higher educational institutions;
at the technical school.

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.

What kind of education can be paid for with maternity capital?

Budget places are not available to all young people who want to receive a decent education. At the same time, not every Russian family has the opportunity to allocate sufficient funds for their child’s education. So students use maternity capital quite often. The family has the right to use MK funds for any child to receive an education. Does not matter:

birth order;
the fact of the birth of a child in the family or his adoption.

An important point. For a family to receive maternity capital, the child must be 3 years old. Only in this case do parents have the right to these funds.

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:

Application for the use of maternity capital: a sample can be obtained from the fund itself or downloaded from the website.
The certificate itself.
Passport and insurance certificate of the parent in whose name the capital is registered.
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.
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.

How to pay for the education of an older child with maternity capital

When using maternity capital funds to pay for the education of an older child, the following conditions must be met:

the educational institution must be located on the territory of the Russian Federation;
the child must be no more than 25 years old at the start of training;
the youngest child entitled to a certificate must be 3 years old.

The procedure for using maternity capital for paid educational services can be presented as a simple

An agreement on training on a paid basis is concluded between the certificate holder and the educational organization, and specific payment terms may be specified:
in an additional agreement to the contract.
Copies of the following documents are certified and must be provided by the educational institution:
state certificates accreditation for the chosen educational program.
The owner of the certificate writes an application to the Pension Fund about the disposal of maternal capital funds (part of the funds), attaching the specified documents.

It is important that the educational organization has the right (license) to provide such services, and that the selected program is accredited.

The accreditation of a university or college itself does not guarantee that all educational programs implemented in it are also accredited (this is especially true for new, newly opened areas of training, for which there has not yet been the first graduation of specialists).

The certificate can be used to pay for training in any educational organizations that implement professional training programs:

mid-level specialists (colleges, technical schools);
management staff with higher education (university, institute);
teaching, scientific personnel (master's, postgraduate)

In Russia, a college is an educational organization that implements secondary vocational training programs. Unlike a technical school, in a college, in addition to educational programs of basic training, training also takes place in programs of in-depth study of disciplines. In addition, a college can be either a separate educational organization or be part of a university (institute, university).

According to Art. 92 of Law No. 273-FZ of December 29, 2012 “On Education in the Russian Federation”, educational activities in educational institutions of this type are subject to state accreditation for the following programs:

educational;
professional.

A specific vocational education program is developed and approved by the college on the basis of established federal state educational standards (FSES). In accordance with the adopted program, the duration of training is determined:

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

It is important that all major professional educational programs undergo accreditation examination in relation to each enlarged group of professions, specialties and areas of training.

If the college has a license to provide educational services and a state certificate. accreditation for the chosen educational program, it will be possible to pay for the child’s education from maternity capital funds.

A higher education institution is an educational organization that implements programs of higher professional education. Such organizations may be:

government;
private.

Belonging to a non-state educational institution in itself does not affect the ability to pay for studies with maternity capital. As in the case of college, the determining factors in the implementation of such an opportunity are the presence of:

licenses for the provision of educational services;
certificates of state accreditation with the attachment of accredited educational programs.

Such programs must meet educational standards in several respects:

number of teaching hours;
terms of study;
forms of education.

As for the educational programs being implemented, at a university, unlike an institute, they are represented more extensively in a variety of fields of knowledge.

According to the new law “On Education”, master’s and postgraduate studies are educational levels of higher education. At the same time, postgraduate study is a form of training for teaching staff of universities, and master's degree is a form of training for highly qualified specialists.

A significant difference between postgraduate studies and master’s programs, but not affecting the possibility of paying for tuition with maternity capital, is the fact that it can be established not only at a university, but also at:

scientific research institute (SRI);
another educational organization engaged in scientific research.

In order to use maternity capital, the child must be under 25 years old at the start of education, and this fact in the case of graduate school may not always be feasible due to the need to obtain a bachelor's degree (4 years of study) and a master's degree (2 years of study) before entering higher education. level of education.

Otherwise, if you have a license and state accreditation of educational programs, you can pay for master’s or postgraduate studies using the certificate.

An institution whose educational services are planned to be paid for using capital funds must certainly have a license and accreditation carried out in the manner established by the legislator. The presence of these documents confirms the legality of his right to study. The legal address of the institution must be located within the territory of Russia.

an individual rehabilitation program drawn up by a qualified specialist;
an act of checking the presence of the item of purchase in the list of goods and services intended for the social adaptation of disabled children, drawn up by an authorized social service specialist;
account details.

Let's consider how you can use maternity capital funds to educate your children at a university, and what features should be taken into account by parents who want to pay for their child's education at the expense of the state budget.

What the law says

The rules for the use of federal budget funds relating to maternity capital are described in detail in Federal Law No. 256 of December 29, 2006. According to Article 11, maternity capital funds can be spent on paid education for both a natural and adopted child.

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Since this certificate is issued in the name of the mother, she can spend it on the education of any of her children.

If state budget funds are spent on paid education for the first child, the following points should be taken into account:

the educational institution must be located on the territory of the Russian Federation;
the maximum age at which you can start paid education at the expense of maternal capital is 25 years;
The age of the child after whose birth a maternal certificate was received must be at least 3 years old.

A necessary requirement for an educational institution where paid training is planned is the availability of appropriate accreditation. In this case, we are talking not only about the university itself, but also about the chosen direction of training of specialists.
Matkapital allows you to pay for your studies not only for all forms of study at universities, but also for technical schools and colleges, for obtaining a master's degree and a postgraduate degree.

Before payment for studies at the institute is made, parents need to draw up an appropriate agreement to receive paid educational services and contact the pension fund with a full package of documents.

The application is reviewed within a month, after which the funds will be transferred to the institute’s account. Usually this entire procedure takes no more than 2 months.

If parents independently pay for their child’s studies at a university, then they only need to enter into a bilateral agreement for the provision of paid services. With maternity capital, everything is a little more complicated, since according to the legislation of the Russian Federation it is required to draw up a tripartite agreement, the participants of which are:

The contractor is an educational institution.
The customer is the holder of the maternal certificate, who is the parent or guardian of the child.
A student is a natural or adopted child of parents who enrolls to study at a given educational institution.

The contract must reflect the following mandatory information:

full name of the educational institution;
description of the service that will be provided on a paid basis;
terms of paid training;
procedure and terms of payment for training.

List of documents required to be submitted to the Pension Fund:

an application from the certificate holder on the use of maternity capital funds or part thereof to pay for education;
copy or original of the maternal certificate;
an agreement with an educational institution for the provision of paid services;
supporting documents for the right to provide educational services by a university or other educational institution;
if the contract is concluded with a non-state educational institution, it is necessary to provide a certificate of its state accreditation.

An application for the use of maternal capital can be submitted at the territorial office of the Pension Fund of Russia, and you can also leave a similar application on the State Services portal. In both cases, you must have the following documents with you:

a copy of the agreement with the educational institution to whose name the funds will subsequently be transferred;
certificate for maternal capital;
passport and document confirming registration in the Russian Federation of the certificate holder or his legal representative;
SNILS of the applicant.

The application that the certificate holder provides to employees of the pension fund must include the following information:

name of educational institution;
payment details of the institute;
number and date of concluding an agreement with the university for the provision of paid services;
FULL NAME. student;
schedule and amount of funds transferred.

If the cost of education or the timing of payments changes, parents themselves contact the Pension Fund with clarifying information and additional agreements to the contract.

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:

Private and public preschool institutions.
Higher educational institutions.
Private schools and lyceums.
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.

Features of payment

Considering that we are talking about protecting the interests of childhood and youth, each application for the targeted use of maternity capital funds undergoes a thorough check. After the inspection, a decision is made:

Transfer funds.
Refuse transfer.

Concluding an agreement with an organization providing educational services

Such agreements can be bilateral or trilateral, depending on the number of interested parties and participants. In the case of children’s education, a tripartite form is used according to the number of participants:

The customer is the owner of the certificate.
Contractor is an organization providing services.
A student is a child in respect of whom a contract is concluded.

It is better to conclude an agreement in advance: a copy is included in the mandatory package of documents submitted to the Pension Fund. The verification will take at least a month.

To eliminate the possibility of refusal to transfer funds, the agreement must be drawn up in the prescribed form and display the following information:

Full name of the educational institution, including state license number.
Last name, first name and patronymic of the applicant and child.
Cost of full training.
The procedure for making payments indicating the size of each transaction.
Details of the recipient organization for transferring funds.
For tripartite agreements on obtaining specialized education, the following are indicated: terms and form of training, specialty.
For preschool and secondary education: the organization's obligations for the care and supervision of children;

Sample agreement for a preschool institution
Signatures of the parties to the agreement with transcript.

Submitting an application

An application for disposal of maternity capital funds is submitted in writing or electronically. In the first case, documents are transferred to the Pension Fund during a personal visit or through the MFC. In the second - through the State Services portal. Applications are submitted at the place of registration or permanent residence.

Application form for disposal of maternity capital funds

The application shall indicate the following information:

Full name of the child and the applicant.
Full name of the educational institution.
Contract number and date of signing.
Recipient details.
The procedure for transferring money, indicating the deadline for payment and billing periods.
Personal signature.

An application is submitted along with a package of documents confirming the intended use of funds.

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:

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 .
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.
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 .

Procedure for paying for education with maternity capital

As noted above, in order to pay for the education of an older child with MK funds, you first need to conclude an agreement with the organization ; without a copy of it, the Pension Fund will refuse to transfer the money. It is better to do this in advance , since checking the information at the Pension Fund of the Russian Federation will take a month .

The contract for the provision of educational services must contain the following information :

The name of the organization providing educational services, as well as the license number.
Full name of the certificate owner and child.
Full tuition fee.
Deadlines for making payments and their amounts.
Organization details.
For organizations of secondary vocational education, a tripartite agreement is concluded, which specifies:
training period;
form of training.
For preschool and secondary education organizations, a bilateral agreement is concluded, which stipulates:
calculation of the fee.
Signatures of the parties.

After the contract is concluded, the owner must submit an application and documents :

To the territorial branch of the Pension Fund:
by sending copies certified by a notary by mail, the owner will be sent a notice with the date of receipt.
To the multifunctional center (MFC).
Electronically (application only):
through the State Services portal.

If the recipient of the certificate submits an application electronically , then no later than the next business day, the PRF will send a notification of receipt, which will indicate the date when you need to bring the necessary documents to the department. They must be submitted within 5 working days from the date of registration of the application for disposal.

Parents living outside the Russian Federation, if they have the right to MK, can pay for the education of their older child by sending documents directly to the Pension Fund.

If the Pension Fund makes a positive decision, then the capital will be transferred to the organization by non-cash method within 10 working days . If the owner of the certificate decides not to use maternity capital to pay for training, then within these 10 days he must submit an application for cancellation to the Pension Fund.

In some cases, the disposal of MK funds can be suspended or abandoned :

According to Part 11 of Government Resolution No. 926 of December 24, 2007, if a child goes on academic leave, the certificate holder can submit an application for suspension and a certified copy of the leave order to temporarily stop payments. To resume the transfer, you must contact the Pension Fund of the Russian Federation with a statement of order and a copy of the order on the student’s admission to study .
If the eldest child was expelled or died, then, according to Part 12, an application for refusal to send funds and a certified copy of the act of expulsion , or a death certificate (a court decision declaring him dead or missing) is submitted to the Pension Fund.
If the amounts or timing of payments change, the owner of the certificate must contact the Pension Fund of the Russian Federation with an application for clarification and an agreement to the contract . After reviewing the documents, funds are transferred within 10 working days.

What documents are needed?

In order for the Pension Fund to make a positive decision, along with the application it is necessary to submit confirmation of the use of maternity capital for the education of the eldest child. According to Part 5 of Resolution No. 606 of 08/02/2017, the following are required:

Russian passport of the certificate owner;
proof of residence;
if the application is made through a legal representative - proof of his identity and place of residence.

Depending on what exactly the funds are being used for, the documents presented in the table will be required.

Service type	Documentation
Paid educational services: universities and institutes; technical schools and colleges; circles and sections	A copy of the agreement on the provision of paid educational services, certified by the organization
Payment for the hostel	rental agreement; certificate - confirmation of the student’s residence in the dormitory
Payment for the maintenance and care of an older child in preschool and secondary education organizations	Agreement on the provision of paid services

In some cases, a document confirming changes in personal data will be required if they do not match those specified in the certificate. Sometimes MFC employees may additionally require a certificate and SNILS.

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.

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.

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 clubs, sections and other types of additional education

Other types of services in the field of education, payment for which can be paid using MK funds, include related services of additional training. This includes basic and additional education, tutoring, clubs, sections, in-depth study of subjects from grades 1 to 11, training or retraining in certain specialties.

Conditions

It has recently become possible to pay for and use additional offers from schools and universities using maternity capital. The conditions for the provision of such services must be mentioned in the contract between the child’s mother and the educational organization.

Read also: How to apply for maternity capital

Elements of primary, basic or secondary education are included in the list of available ones from 2020. To do this they must be accredited. The good news is that recently the list of such organizations has been expanded to include some private service providers.

Documentation

The main documents are a certificate and contracts with schools or universities. But the money is not intended to be used for the mother’s education under the same programs.

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.

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 .

Payment for a child’s accommodation in a dormitory while studying at a university

Using family capital, you can pay for your child’s stay in a hostel

In addition to the fact that you can pay for the education itself using the certificate, the amount that it allows you to have can also directly pay for the child’s accommodation in a dormitory while he is receiving an education.

To do this, the person holding the certificate must appear at the university and enter into a rental agreement with it. Payment in this case will also be made by bank transfer, the funds will be transferred to the university account that you indicate in the contract.

The first payment will be received two months after you submit a corresponding application to the Pension Fund, and subsequent payments will be made according to the terms specified in the contract.

There is a list of grounds due to which the receipt of funds to the university account withdrawn from the maternal certificate may be stopped:

the student is forced to go on academic leave for health reasons or went on leave of his own free will;
the student dropped out of the university voluntarily or due to poor academic performance;
the student died.

If certain circumstances occur, you must notify the Pension Fund that you no longer need to transfer money

In each of the stated cases, the person holding the certificate must provide the Pension Fund with a refusal to transfer family capital funds , and in the requested refusal it is also necessary to indicate the appropriate reason.

As soon as the circumstances preventing the student from continuing his studies are completed, it will be necessary to submit a second application to the Pension Fund of our country so that you can manage the maternity capital funds due to you by law. A copy of the order for the student’s admission to study will need to be attached to the application.

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.

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.

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

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https://LawPen.ru/privileges/maternal_capital/oplata-ucheby-matkapitalom
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