How does maternity capital pay for tuition and who can the money be spent on?

Certificate of maternity capital

What is this?

Maternity capital is a measure of state support for Russian families who, from 2007 to 2021 inclusive, had a second child born or adopted; or the third and subsequent children, provided that the right to receive these funds was not issued at the birth of the second child.

How many?

‍The amount of maternity capital for 2020 is 616,617 rubles.

What can it be used for?

Maternity capital funds can be used to improve housing conditions, mother’s pension, care for disabled children and education.

Conditions of receipt

The main condition for receiving maternity capital is the fact of the birth of a second child in the family, who must be born after 2007, that is, after the introduction of the corresponding state program.

The certificate is issued in the name of the mother, however, in some insurmountable circumstances, the document is issued to the father. In addition, having Russian citizenship is also an important condition in order to count on this measure of state support.

Foreign citizens who have a temporary residence permit or residence permit cannot count on capital , however, after receiving citizenship they have the corresponding right.

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.

What can maternity capital be used for?

Maternity capital funds can be fully or partially allocated to:

1. Children's education. The child must be no older than 25 years of age on the start date of study. Another important condition is that the organization must be located on the territory of Russia and have the right to provide relevant educational services.
2. Improving family living conditions. The purchased residential premises must be located in Russia. Please note: renovation of residential premises in relation to the disposal of maternity capital is not considered an improvement in living conditions. Maternity capital cannot be used to purchase residential premises that are recognized as unfit for habitation, in disrepair, subject to demolition or reconstruction, in addition, it is impossible to repay the loan for such housing from maternity capital funds.
3. Formation of the funded part of the mother's pension. Maternity capital can be fully or partially included in pension savings and transferred to trust management of a management company or to a non-state pension fund.
4. Social adaptation and integration into society of disabled children. Funds from maternity capital can be used to offset the costs of certain goods and services for the social adaptation and integration of disabled children into society. At the same time, maternity capital funds cannot be used for medical services, as well as for rehabilitation measures, technical means of rehabilitation and services provided for by the federal list of rehabilitation measures, technical means of rehabilitation and services provided to a disabled person at the expense of the federal budget.

Is it possible to pay

Today, paying for education is one of the most common ways to use money received from maternity capital. At the same time, it is worth noting the fact that money from maternity capital can be spent to make payments for the education of any child in the family, regardless of how he was born.

In addition, an important element is that the use of money from maternity capital is provided for paying for the education of children in any educational institutions located in the Russian Federation and having the legal ability to provide relevant services.

Kindergarten

The transfer of maternity capital is provided not only for education, but also to make payments for the maintenance, supervision and provision of appropriate care for the child during his stay in kindergarten. It is worth noting that this opportunity was provided only in 2011, while previously parents did not have the right to pay for such services.

The main condition that must be met if you want to send money from a certificate to pay for the services of employees of a preschool institution is that its employees have a license, while the institution itself must operate as an official legal entity. In this case, you can pay for both municipal or departmental, as well as private kindergartens, since everything here depends solely on the personal preferences of the parents themselves.

In order to send maternity capital to pay for kindergarten services, Pension Fund employees will need to submit a corresponding service agreement, which must meet a certain list of requirements:

• the certificate holder must be one of the parties to the concluded agreement;
• the text of the contract must necessarily include information on how the maintenance, care and supervision of children should be carried out;
• a certain amount of payment for a certain period of time should be indicated, and not the cost of the child’s stay for each day without indicating how the actual volume of services will be provided to the family in the end;
• The exact bank details of the preschool institution must be indicated in full.

If a family sends maternity capital to pay for the services of a preschool institution, it will need to independently decide how often the transfer should be made - quarterly, annually or monthly

The transfer of the first payment is carried out by employees of the Pension Fund within two months from the moment the applicant submits all the necessary documents to the department.

All other payments are already being made in full accordance with the terms specified by the parties in the drawn up agreement, and all payments will be made exclusively by bank transfer. It is important that parents also have the right to compensate for a certain part of parental fees, which is provided for by regional legislation.

Secondary education

At the expense of maternity capital, payments for education in paid schools are provided if they run state-accredited programs. Taking this into account, the main condition necessary to obtain the opportunity to pay for tuition through state support is that the school has appropriate accreditation for any educational programs for which the funds will be transferred.

This is precisely what parents need to pay the closest attention to, since the fact that the school itself is accredited does not at all guarantee that this accreditation will be present in all the programs that it implements. It is worth noting that accreditation is carried out for all secondary education programs, and in particular, this also applies to secondary education in all groups of areas, specialties and professions.

In order to pay for paid services related to training at the expense of maternity capital, the certificate holder will need to draw up a written agreement on the provision of such services with the educational organization, and then transfer it to the authorized employees of the territorial Pension Fund.

Since in the vast majority of cases payments under the contract must be made at a pre-specified frequency, parents should remember that in the event of a change in the timing or amount of payment, as well as in the event of a refusal to use funds from maternity capital to pay for the services of a school institution , you will need to submit a corresponding application to the Pension Fund.

University

In addition to education, according to the law, maternity capital can also pay for the child’s accommodation in a dormitory near the university where he is studying. In such a situation, the certificate holder will need to draw up an appropriate employment agreement with the management of the educational institution, after which a non-cash transfer of the required amount of funds will be made to the bank account of the university.

The Russian state primarily protects the rights and legitimate interests of children. Therefore, if the MSK is used to purchase housing, then the Pension Fund requires the parents to sign a notarial obligation to allocate shares of maternity capital to children in the common property. How to get maternity capital for your second child can be read here.

It is worth noting the fact that there are several reasons for which funds cease to be accrued from maternity capital, and these are:

• registration of academic leave for a student due to medical reasons or in the case of a personal application from the student;
• expulsion from the university due to low academic performance or at one’s own request;
• death of a child.

Each of these cases requires the preparation of a special application with a request to refuse the transfer of funds from maternity capital with a mandatory indication of the reasons that led to the need to terminate the transfer of payments.

It is worth noting the fact that if the academic leave ends, employees of the Pension Fund will need to again submit a corresponding application for further payment for training using funds from maternity capital.

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 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.

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

Maternity capital for mother's education

The issue of expanding opportunities for using maternity capital in families entitled to it is constantly discussed at meetings of such families with government officials. One of the directions proposed by parents is the opportunity to spend MSK on the education of the mother. The mother herself has not yet been successful.

Despite the fact that capital is primarily called maternal capital and is issued specifically to the mother who gave birth to or adopted a second or subsequent children (except for the cases specified in Article 3 of Federal Law No. 256 of December 29, 2006), it can only be used beneficially for children. Moreover, in the case of sending MSC for training, it is not necessarily the child whose birth or adoption gave the right to a state certificate.

The only opportunity currently provided for a mother to spend MSC funds for herself personally is still only transferring them to form a funded pension

Is it possible to pay for tuition at a driving school, art school, sections and clubs with maternity capital?

According to the current Rules for the allocation of maternity capital for the education of children, these funds can be transferred to any educational organization that has the right to provide such services.

Thus, training in a driving school, art school, sections and clubs can also formally be paid for from MSC funds, but only if several conditions are met:

• The organization must have an appropriate license to conduct educational activities
• Paid services must be provided according to programs that have state accreditation
• It is necessary to conclude an agreement on the provision of paid services with the certificate owner

Is it possible for a mother to undergo training using maternal capital resources?

Despite the established practice, many controversial issues arise regarding the targeted use of maternity capital. In particular, can these resources be used for maternal educational purposes?

Important! The law clearly states that at present such use of federal budget funds in terms of maternity capital is not provided.

Despite the fact that the mother receives a certificate for the birth of a child, maternity capital funds can only be used to improve the quality of life of the child itself.

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.

Legislative framework for obtaining maternity capital

From January 1, 2020, the amount of maternity capital has been increased to 466,617 rubles at the birth of the first child. When a new family member is born, this amount will increase by another 150,000.

The Russian Pension Fund provides for annual indexation of family capital. Estimated PF expenses have already been determined for 2021 and 2022. It is expected that the amount of maternity capital will increase by 4% every year. The mat capital payment program is designed until 2026.

The MK is given to one of the parents in the form of a certificate. Mandatory conditions for its use:

• the certificate is personal;
• the born child must be a citizen of the Russian Federation;
• the place of residence is not determined, the family can live abroad;
• one of the spouses must be a citizen of the Russian Federation.

The period for issuing a certificate after submitting an application to the Pension Fund is 15 days. The time to verify the accuracy of the information submitted by the applicant is 5 days.

Maternity capital can be used to pay for education after the child reaches 3 years of age. Previously, the use of these funds was only possible for the child to receive preschool education.

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.

Conditions

To pay for your studies, you must meet the following conditions:

1. The second child is at least 3 years old. Before the child whose birth gave rise to the right to maternity capital turns three years old, the certificate cannot be used.

1. The educational institution must meet special requirements . The educational institution must be licensed and accredited. It must also conduct its activities on the territory of the Russian Federation.

1. Consent of the institution administration to this form of payment . An educational institution has the right to refuse to conclude an agreement if payment for it involves the use of maternity capital funds.

Reference! The certificate can only be used for the purposes of teaching children. Other relatives or the owner himself cannot receive education at the expense of this form of state support.

Decor

First, parents should check with the administration of the educational institution about the possibility of paying for their studies using the method in question. If there is agreement, then an agreement is concluded between the certificate holder and the educational institution. The paper must indicate the total cost of services and the frequency of payments.

Be sure to read it! How to find out the statistics codes of an organization or individual entrepreneur: 18 secret methods

After concluding the agreement, parents must send to the pension fund a package of documents according to the list:

• application for disposal of funds according to the sample;
• certificate;
• a copy of the certificate holder's passport;
• SNILS (if available);
• agreement with an educational institution.

Sample application:

The application is processed by the Pension Fund within up to one month. In case of refusal, the fund's decision can be appealed in court.

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.

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.

Payment order

Payment for services is made exclusively by non-cash payment. The Pension Fund of Russia, on the basis of an application for disposal, sends available money in the required amount and in accordance with the conditions specified in the agreement with the educational institution.

Using mat capital to educate children is one of the most popular ways to manage these funds. They can be spent on education for both the older and younger children. The type of educational institution does not play a role in this case, however, each of them is subject to a list of certain requirements regarding the availability of a license and accreditation.

Deadlines for transferring money to an educational organization

The PFR application is reviewed within 1 month, and the first money transfer will take place within 2 months from the date of submission of the application. You need to take this into account and contact the Pension Fund immediately after concluding an agreement with an educational institution.

All payments from the Pension Fund go only to the current account of the educational organization.

Termination of payments upon application occurs within 5 working days from the date of application.

How to pay for a child’s education with maternity capital

To do this, it is necessary to conclude with the educational institution the provision of paid educational services and, personally or through a legal representative, with an application for the disposal of funds under the maternal certificate, which will be reviewed by Pension Fund specialists within a month. After this, a decision is made:

• on the transfer of funds;
• or refusal to use them.

Any of these decisions will be made after a thorough assessment of all submitted documents, and, if necessary, carrying out appropriate checks, since when making a positive decision we are talking about the use of federal budget funds.

The transfer of money to the educational organization will be carried out non-cash using the details specified in the service agreement. By law, this is the only payment method

teaching a child math. capital.

Drawing up an agreement with an educational organization

Depending on the number of parties appearing in the document, an agreement for the provision of paid educational services can be:

• bilateral;
• tripartite.

To pay for a child’s education with maternity capital, it is necessary to conclude a tripartite agreement

, Where:

• one party is the educational organization (performer);
• the second party is the parent owner of the certificate (customer);
• the third party is the child (student) himself.

The contract must contain the following information

:

• name of the institution;
• types of paid educational services provided under the contract;
• terms of their provision;
• cost and payment procedure for the services provided.

Many institutions also enter into an additional agreement

to the main agreement, which takes into account the specifics of the relationship with the Pension Fund in the case of. This is especially true for the size of the paid service, the timing of transfer and return of unused amounts.

When drawing up an agreement with an educational organization, you must familiarize yourself with the following documents:

• the charter of the institution;
• a license to conduct educational activities;
• certificate of state accreditation for the chosen educational program.

When drawing up an agreement not with an independent educational organization, but with its branch

, it is also important to pay attention to whether he has an independent license and accreditation.

Submitting an application and documents to the Pension Fund

There are two ways

filing an application for an order with the Pension Fund:

• in writing (in person, through the MFC or by mail);
• in electronic form (via the Internet).

An application for disposal of maternity capital funds can be submitted to the territorial body of the Pension Fund of the Russian Federation at the place of registration or at the place of actual residence. When applying you will need to submit the following documents

:

• a copy of the agreement concluded between the certificate holder and the educational organization on the provision of paid educational services;
• documents proving the identity and place of registration of the certificate owner (or his legal representative);
• the applicant's pension insurance certificate (SNILS).

must be filled out in the maternity capital funds :

• the name of the institution where the child will study;
• full bank details of the educational organization;
• contract number and date;
• last name, first name and patronymic of the child;
• the procedure for transferring funds, indicating: the deadline for transferring funds;
• payment amounts;
• the period for which payment is made.

If changes are made to the agreement regarding the amount and timing of payment, the certificate holder must independently contact the Pension Fund of the Russian Federation with an application for clarification

direction of maternity capital funds with additional attachment. agreements to the main contract.

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.

What kind of training can you spend money on?

One of the legal options for spending the certificate is to use it to pay for services for the education of any of the children. The student must be at least 3 and no more than 25 years old.

Important! The certificate can be used three years after the right to it arises.

You can pay for the following services:

• maintenance and care of the child, including in kindergarten and other development centers (became possible after the signing of Resolution No. 931 of November 14, 2011);
• obtaining education in general educational institutions, professional institutions. orientation and universities;
• training in institutions providing additional education services (sports, music schools, etc.);
• payment for dormitories for students.

Establishments are required to comply with the requirements established by Resolution No. 926 of December 24, 2007:

• the institution must be located in our country;
• have a license and permits to carry out activities;
• have state accreditation.

You can pay for education either for periods of time (month, quarter, year), or for the entire period at once.

Is it possible to teach an older child

The targeted use of family capital is provided for the education of each of the children, if we are talking about federal rather than regional capital, since the conditions for the use of the latter are established by local governments, and not by the government.

At the same time, as mentioned above, it makes no difference in what order the child appeared in the family, and in the future the family can, through a joint meeting, decide on the use of maternal capital in order to provide him with a high-quality education at school or a higher educational institution .

Thus, even if a second child is born in the family, parents can use the financial resources received from the state due to his birth in order to provide a “impetus in life” for their eldest son or daughter.

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.

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.

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 owner
• 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 an educational institution
• Licenses for educational activities
• Certificate of state accreditation

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

According to Government Decree No. 926 of December 24, 2007, “ On approval of
the Rules for the allocation of maternity capital funds for the education of a child (children) and other expenses related to obtaining an education
,” the certificate pays for paid educational services in any educational organization that has the relevant activities .

As for the form of training, this document does not contain any restrictions. Therefore, you can pay for education with maternity capital in the following forms of education:

• full-time;
• correspondence;
• evening (full-time and part-time);

Since not all educational programs implemented by universities are also presented in the form of correspondence or evening studies, for some programs, training for objective reasons is possible only in full-time form.

And this reduces the possibility of using maternity capital for correspondence students. At the same time, correspondence courses, as a rule, almost always imply paid education

- in contrast to the full-time form, for which a sufficient number of free budget places are allocated. And the opportunity to pay for such a child’s education using a certificate seems attractive to many.

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 paid educational services for accredited educational programs

To use the educational services of a particular organization, it is necessary that it has accreditation for each of the programs you are interested in

We have already said above that one of the main conditions for using maternity capital is that the educational organization you are applying to must have accreditation. Moreover, we are not talking about a single accreditation, but directly about the availability of accreditation for those programs that are of interest to you and for which you plan to use family capital.

Be sure to read it! Loan for pensioners at Sberbank: conditions in 2020, calculator and interest rate

You should take into account the fact you are looking for especially carefully, since, unfortunately, the presence of confirmed accreditation by the organization itself does not guarantee that the programs offered by this company for choice will also be approved from the state point of view.

Whether or not to give a program state accreditation is chosen by authorized government systems quite carefully.

There are certain categories of paid services for which maternity capital funds can be used

Since education in our country is officially (we would say conditionally) considered free, the following items can be classified as paid services:

• being trained in educational programs of the main type not in a budget place, but in a place allocated in excess of the budget amount;
• being enrolled in additional education programs;
• attending specialized courses;
• tutoring programs;
• study of individual subjects with in-depth study of the program;
• undergoing primary or repeated training of specialists with secondary specialized or higher education, which is carried out in addition to tasks for admitting students, whose education is paid from the treasury of the budgets of the relevant structures.

Unfortunately, it is not possible to use the family capital received for the birth of a second child for all of the above points, since according to the law, state accreditation can only be carried out in relation to basic educational programs .

In order to pay for paid educational services with a maternal certificate, the owner of this certificate (or owner) must enter into a written agreement on the use of these services with any educational organization, and then submit it to the Pension Fund of your region.

What types of educational services can the certificate be used for?

The right to dispose of maternity capital for the education of children is granted to holders of a certificate for MSK by Law No. 256-FZ of December 29, 2006 “On additional measures of state support for families with children.”

More information about the types of educational services, the procedure for reimbursement of expenses related to training, the timing of the allocation of maternity capital and the documents required for this can be found in Government Resolution No. 926 of December 24, 2007 “On approval of the Rules for the allocation of maternal (family) capital funds for the education of a child (children) and other expenses related to obtaining education.”

According to the above regulations, this requires the fulfillment of several conditions :

• the educational organization must be located on the territory of Russia;
• training must take place in programs that have state accreditation ;
• the child must be no more than 25 years old at the start of training.

At the moment, taking into account amendments to the Rules of Mat. capital can be directed:

• for tuition fees for general education programs that have passed state accreditation in: government institutions;
• non-state educational organizations;

In a word, maternity capital can pay for the services of any educational institution (higher education institution, school, kindergarten), but provided that the institution has a license and the paid educational programs are accredited .

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.

What documents are needed to pay for university education with maternity capital?

If all conditions are met, then the next step is to collect the necessary documents. Here is their list:

1. Certificate confirming the right to maternity capital.

2. Documents proving your identity: SNILS, passport.

3. A written statement that you want to invest maternity capital in the child’s higher education. The form can either be taken directly from the Pension Fund office or downloaded:

PFR website, section “What documents to provide”

4. A copy of the agreement with the university/college on the provision of paid educational services.

If you, as the owner of the certificate, do not have the opportunity to submit documents yourself, then you can issue a power of attorney to another person - a representative. In this case, the list of documents will be exactly the same, but the following must be attached to it:

5. Identification documents of the representative: passport, SNILS.

6. Documents confirming the powers of the principal: for example, a power of attorney (most likely, a copy is sufficient - but we advise you to check with your Pension Fund).

Cancellation of an application for disposal of MK funds

The owner of the certificate has the right to initiate termination of the contract with the educational institution. For this purpose, he will need to visit the PF and write a corresponding statement justifying the reason. This should be done before transferring funds or part of them (for example, after the end of the first semester, before paying for the second).

The application must be accompanied by a document proving the legality of the certificate holder's claim. This could be a reference:

1. About deduction.
2. Registration of academic leave.
3. Death of a child.

If the reason is not documented, the parent will be refused to cancel the application. It is possible that the transfer of funds may be temporarily suspended (for example, due to academic leave), with their subsequent resumption after returning to study.

An application to cancel the allocation of MK funds for study is considered within five working days. Further, payments stop. In case of overpayment, the educational institution is obliged to return the funds to the certificate account.

Expert advice

1. Unfortunately, students are not always able to complete their studies at a university. No one is insured against deductions, but it is not always possible to return overpaid tuition fees. To do this, it is necessary to stipulate in the agreement with the university those cases when the overpayment should be returned to the Pension Fund account. Many institutions offer to pay for the entire training period at once at a favorable price, which will not change over time, but from the point of view of maternity capital, this is not always advisable. By making payments at the end of each semester or year, the risks in the event of student expulsion are reduced.
2. We also must not forget that the amount of maternity capital is indexed annually, regardless of how much money is left in your account.
3. Depending on various life situations, the owner of the certificate can either cancel his application for the transfer of funds (but no later than transfer them to the account of the educational institution), or stop payments in connection with the expulsion of the child.
4. If a student decides to take academic leave, then upon application to the Pension Fund, the transfer of funds to the university account will be suspended until he resumes the educational process.

Let's sum it up

Use family capital to educate your children

Using maternity capital for education is one of the opportunities provided by the state. Education, as you can understand, in this situation is not the responsibility of the mother, but of her offspring, who need education. At the same time, it is not necessary to educate the very child for whom you received this capital; you can educate your older or subsequent offspring. The main thing is that the money goes to their maximum benefit.

Paying for mother's studies

Officials are increasingly thinking about allowing maternity capital to be spent on mother’s education, but at the moment these are just proposals without specifics. Therefore, you should not count on being able to offset part of the costs of your own studies. Within the framework of this federal program, the focus is on the needs of children, not parents. And accordingly, they should be the recipients of educational and related services.

It is useful to know why an obligation to allocate a share of maternity capital is necessary?

Important points and tips

In order not to encounter an unpleasant situation when the Pension Fund refuses to issue maternity capital, parents should take their choice of educational institution very seriously.

It must comply with all legal requirements.

It is better to get advice from pension fund specialists at the initial stage. Particular attention should be paid to the form of the agreement.

The content requirements are specified in the order of the Ministry of Education of the Russian Federation No. 3177 dated July 28, 2003. The document must contain the following information:

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

Reference. The contract is signed on every page. All signatures must be affixed by the same authorized person.

Parents must notify the Pension Fund in the following cases:

• the child has taken academic leave;
• the child left school early or was expelled;
• the child was transferred to another institution.

In these cases, payments are suspended or terminated, and the institution must return unused funds to the Pension Fund. Parents can spend the rest of the money on the certificate at their discretion within the limits of the law.

Reference. You can pay with a certificate for the services of any educational institution that meets the requirements, including studying at a driving school, staying in additional sports institutions. education and. etc.

Using a certificate to pay for children’s education is the second most popular type of use of maternity capital. With its help, parents can provide their children with both a stay in preschool institutions, various sections, and a decent education, which these days is not cheap.

The remaining capital funds are subject to annual indexation; they can be used in the future for your own needs, as provided by law.