Business guide

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.

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

In 2021, 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.

Payment for the sports section with maternity capital

The law does not provide for this possibility. However, the Government of the Russian Federation has repeatedly assured young mothers that they will find ways to allow young housewives with children to increase their opportunities for self-realization.

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In addition, additional preschool education programs are important for the formation of a child’s personality, the development of his intellectual and creative abilities, as well as successful socialization. The current version of the law on maternity capital provides for the following possible directions for the full or partial expenditure of funds under the state certificate:

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 can you pay for kindergarten using maternity capital in 2021?

For example, from July 2021 you can use this money to pay for kindergarten. But this law also has certain restrictions. If you decide that you can now send your child to a private kindergarten with inflated requirements and individual conditions for the education and care of the child, then do not rush to rejoice. State benefits can only pay for part of the services provided in preschool educational institutions. At the same time, you must report for every penny spent from the subsidy, that is, provide it to the pension fund (after all, they are the ones who control the expenditure of funds from maternity capital). Even one incorrect document or the absence of some insignificant (in your opinion) piece of paper can get you punished for illegal spending of public money (according to scientifically - misuse).

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Although nominally, the money under the maternity certificate is also yours and you have the right to spend it on something else, but only for purposes permitted by law and in the prescribed manner. In 2021, the Ministry of Education separated two seemingly inseparable functions assigned to employees of preschool institutions. We are talking about education and upbringing. The first thing, according to officials, should be done by parents. And, if they shift this responsibility to the kindergarten employees, then they must compensate them for this in monetary terms. It is prohibited to spend money from the subsidy on:

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.

What documents are needed to pay for studies with maternity capital?

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

The funds allocated by the state under the maternity capital program can be used for the education of the eldest child in any state educational institution with appropriate accreditation. Since the money received under the program is the common property of the family, it can be spent on the education of any of the children. More often, parents prefer to allocate them for the education of their elders.

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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 .

Maternity capital for sports sections

a written statement on the disposal of funds (part of) maternity capital;
certificate;
passport;
If the application for disposal is submitted through a representative, documents proving his identity, place of residence and authority will be required.

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Since the Pension Fund will transfer money according to the calculations submitted by the parents, an overpayment may result. Excess amounts must be returned to the Pension Fund

, followed by transfer to the certificate account.

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

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

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

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

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

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

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

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

Payment for kindergarten with maternity capital.

Payment for education with maternity capital

You can use maternity capital for the education of your older child. Payment must be made only after receiving permission from the Pension Fund. To do this, a standard application is written within the specified time frame.

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.

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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 2021.

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 2021, 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 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.

How to pay for children's clubs with maternity capital

Relations arising between a student and an educational institution in the provision of paid educational services in the field of preschool, general and vocational education are regulated by the rules for the provision of paid educational services, which are approved by Decree of the Government of the Russian Federation dated 07/05/2021 No. 505.

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There is one more condition that can be really inconvenient. The age limit that applies to the realization of family capital has not gone away - this means that it will again be possible to pay for kindergarten in this way no earlier than the second child in the family celebrates his third birthday.

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 2021, 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 2021, 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 .

Is it possible to use maternity capital for the education of an older child?

To pay for the education of an older child with maternity capital, you need to conclude an agreement with an educational organization, and then attach it to the application for disposal and submit it to the Pension Fund (PFR). Verification of the information provided will take a month . If the decision made is positive, then the certificate funds (in 2021 are provided in the amount of 453,026 rubles ) or part of them will be transferred non-cash to the account of the educational organization within 10 working days .

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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, using funds in 2021 is only allowed for direct benefit for your 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

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