{"id":15662,"date":"2025-12-12T10:24:56","date_gmt":"2025-12-12T15:24:56","guid":{"rendered":"https:\/\/cotecnova.edu.co\/?page_id=15662"},"modified":"2026-06-03T15:50:42","modified_gmt":"2026-06-03T20:50:42","slug":"credito-educativo","status":"publish","type":"page","link":"https:\/\/cotecnova.edu.co\/index.php\/credito-educativo\/","title":{"rendered":"Cr\u00e9dito Educativo"},"content":{"rendered":"<div  class='flex_column av-1ydswdq-d73b3e212bcc04fbeb5b920b1db1b36b av_one_full  avia-builder-el-0  el_before_av_two_third  avia-builder-el-first  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mirkyp7b-6e99f001524e4ffa4546aa45d49c3dcf\">\n.avia-image-container.av-mirkyp7b-6e99f001524e4ffa4546aa45d49c3dcf img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-mirkyp7b-6e99f001524e4ffa4546aa45d49c3dcf .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-mirkyp7b-6e99f001524e4ffa4546aa45d49c3dcf av-styling- avia-align-center  avia-builder-el-1  el_before_av_hr  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img fetchpriority=\"high\" class='wp-image-15685 avia-img-lazy-loading-not-15685 avia_image ' src='https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Creditos-Educativos_Banner.jpg' alt='' title='Cr\u00e9ditos Educativos_Banner'  height=\"470\" width=\"1663\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><br \/>\n<div  class='hr av-1qxl4cu-84913f9865d7c4c16ac6953ec1146820 hr-default  avia-builder-el-2  el_after_av_image  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div>\n<div  class='flex_column av-kmfvfy-6cb4f7981529682d3f00512eaee96869 av_two_third  avia-builder-el-3  el_after_av_one_full  el_before_av_one_third  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-mirkxn5v-183914eb7ca8af79a64077f579a74425 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h4 style=\"text-align: center;\"><span style=\"color: #008000;\"><strong>Tu futuro comienza con una decisi\u00f3n inteligente<\/strong><\/span><\/h4>\n<p>En Cotecnova creemos que el acceso a la educaci\u00f3n superior debe estar al alcance de todos. Por eso, ofrecemos a nuestros estudiantes un portafolio diversificado de cr\u00e9ditos educativos. Cada alternativa est\u00e1 pensada para adaptarse a tu capacidad de pago, brind\u00e1ndote libertad de elecci\u00f3n y respaldo institucional.<\/p>\n<p>Descubre aqu\u00ed las modalidades disponibles, los requisitos y los pasos para acceder al cr\u00e9dito que mejor se ajusta a tus necesidades. Porque en Cotecnova, invertir en tu educaci\u00f3n es construir un futuro con prop\u00f3sito.<\/p>\n<h5><span style=\"color: #008000;\">Linea de financiaci\u00f3n interna:<\/span><\/h5>\n<p>Es una alternativa ofrecida directamente por Cotecnova, dise\u00f1ada para brindar apoyo financiero personalizado a nuestros estudiantes. Esta modalidad requiere un estudio de cr\u00e9dito y la presentaci\u00f3n de garant\u00edas reales.<\/p>\n<h5><span style=\"color: #008000;\">Linea de financiaci\u00f3n externa:<\/span><\/h5>\n<p>Mediante esta alternativa Cotecnova pone a disposici\u00f3n de sus estudiantes la posibilidad de financiar su matr\u00edcula a tarv\u00e9s de convenios con entidades aliadas. Esta opci\u00f3n ampl\u00eda el portafolio de financiaci\u00f3n, facilitando el acceso a recursos externos con condiciones competitivas grantizando un proceso \u00e1gil, r\u00e1pido, seguro y 100% digital.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-mj30ovxq-19e0a3222f9c2b1f58d02cc544904b2e-wrap avia-button-center  avia-builder-el-5  el_after_av_textblock  el_before_av_tab_container '><a href='https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/ACUERDO-No.-031-2025-Actualizacion-Reglamento-interno-de-credito-cartera-y-cobranza.pdf'  class='avia-button av-mj30ovxq-19e0a3222f9c2b1f58d02cc544904b2e av-link-btn avia-icon_select-no avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"ACUERDO No. 031 - 2025: &quot;Actualizaci\u00f3n Reglamento interno de credito, cartera y cobranza&quot;\"><span class='avia_iconbox_title' >ACUERDO No. 031 - 2025: \"Actualizaci\u00f3n Reglamento interno de credito, cartera y cobranza\"<\/span><\/a><\/div><br \/>\n<div  class='tabcontainer av-mirlg8dg-b2950a6b4f4d2a5313980e34446bb0cd top_tab  avia-builder-el-6  el_after_av_button  avia-builder-el-last '>\n<section class='av_tab_section av_tab_section av-mirmctkv-3ac71f1875eb944170ae414718fc1e1d'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-1-tab' class='tab active_tab' role='tab' aria-selected=\"true\" tabindex=\"0\" data-fake-id='#tab-id-1' aria-controls='tab-id-1-content'  itemprop=\"headline\" ><span class='tab_icon avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue8bb' data-av_iconfont='entypo-fontello' ><\/span>Credinova<\/div><div id='tab-id-1-content' class='tab_content active_tab_content' role='tabpanel' aria-labelledby='tab-id-1-tab' aria-hidden=\"false\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><h1 style=\"text-align: center;\"><a href=\"https:\/\/credinova.cotecnova.edu.co\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-15690 size-medium\" src=\"http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Credinova-01-300x175.png\" alt=\"\" width=\"300\" height=\"175\" srcset=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Credinova-01-300x175.png 300w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Credinova-01-1030x600.png 1030w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Credinova-01-768x447.png 768w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Credinova-01-1536x894.png 1536w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Credinova-01-2048x1193.png 2048w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Credinova-01-1500x873.png 1500w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Credinova-01-705x411.png 705w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/h1>\n<h5><\/h5>\n<p>En <span style=\"color: #008000;\"><strong>COTECNOVA<\/strong> <\/span>sabemos que el valor de la matr\u00edcula no debe ser un obst\u00e1culo para alcanzar tus metas acad\u00e9micas. Por eso contamos con <span style=\"color: #ff6600;\"><strong>Credinova<\/strong><\/span>, nuestro sistema de cr\u00e9dito educativo propio, dise\u00f1ado para que puedas financiar tu carrera de forma c\u00f3moda y directa con la instituci\u00f3n. Conoce todas las modalidades disponibles y encuentra la opci\u00f3n que mejor se adapta a tu necesidad: <strong><a href=\"https:\/\/credinova.cotecnova.edu.co\/\" target=\"_blank\" rel=\"noopener\">https:\/\/credinova.cotecnova.edu.co\/<\/a><\/strong><\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mirmeg09-473e1977f9acb111a9ecb1e4dcfec775'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-2-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-2' aria-controls='tab-id-2-content'  itemprop=\"headline\" ><span class='tab_icon avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='network' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"32\" viewBox=\"0 0 29 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\">\n<title id='av-svg-title-2'>Network<\/title>\n<desc id='av-svg-desc-2'>Network<\/desc>\n<path d=\"M7.168 11.072q-0.704 0-1.344 0.32-1.536-1.664-2.944-4.096 1.728-2.368 4.096-3.776 2.944 1.216 4.864 2.624-0.192 0.512-0.192 1.024 0 0.192 0.128 0.704-1.984 1.536-3.712 3.328-0.512-0.128-0.896-0.128zM4.032 14.208q0 1.088 0.64 1.92-1.92 3.648-2.56 7.424-2.112-3.392-2.112-7.552 0-3.52 1.6-6.592 1.216 1.984 2.688 3.584-0.256 0.768-0.256 1.216zM14.784 4.032q-0.896 0-1.6 0.448-1.856-1.344-3.648-2.24 2.688-0.96 5.184-0.96 3.84 0 7.36 1.984-2.432 0.448-5.184 1.6-0.832-0.832-2.112-0.832zM19.456 18.752q-5.12-0.768-9.28-3.584 0.128-0.64 0.128-0.96 0-0.768-0.448-1.664 1.216-1.408 3.136-2.88 0.832 0.64 1.792 0.64 0.448 0 1.216-0.256 3.008 3.456 4.288 7.68-0.512 0.448-0.832 1.024zM23.552 22.976q1.216-0.448 1.728-1.92 1.856-0.128 3.456-0.576-1.472 4.672-5.312 7.424 0.192-1.536 0.192-3.136 0-0.32-0.032-0.896t-0.032-0.896zM18.752 20.864q-6.080 3.072-9.728 8.704-2.88-1.152-5.056-3.52 0.384-4.608 2.56-8.768 0.192 0.064 0.64 0.064 0.96 0 1.664-0.448 4.544 3.136 9.92 3.968zM24.64 5.12q4.8 4.352 4.8 10.88 0 0.704-0.128 2.112-2.048 0.576-4.16 0.768-0.768-1.792-2.816-1.92-1.536-4.672-4.736-8.448 0.32-0.64 0.32-1.344v-0.32q3.2-1.344 6.72-1.728zM20.288 22.528q0.448 0.32 1.024 0.576 0.064 0.576 0.064 1.664 0 2.56-0.448 4.608-2.752 1.344-6.208 1.344-1.856 0-3.584-0.384 3.52-5.12 9.152-7.808z\"><\/path>\n<\/svg><\/span>ValCredit<\/div><div id='tab-id-2-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-2-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p><a href=\"https:\/\/www.valcredit.co\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-15832 size-medium\" src=\"http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/06\/ValCredit-Logo-300x57.png\" alt=\"\" width=\"300\" height=\"57\" srcset=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/06\/ValCredit-Logo-300x57.png 300w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/06\/ValCredit-Logo-495x95.png 495w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/06\/ValCredit-Logo.png 500w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p>Si necesitas financiar tu matr\u00edcula con el respaldo de una entidad financiera, <span style=\"color: #ff6600;\"><strong>Valcredit<\/strong> <\/span>te ofrece el <span style=\"color: #ff6600;\"><strong>Cr\u00e9dito con Aval Educativo<\/strong><\/span>, una opci\u00f3n \u00e1gil y accesible pensada para estudiantes de <strong><span style=\"color: #008000;\">COTECNOVA<\/span><\/strong>. Antes de diligenciar tu solicitud, consulta el <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/www.valcredit.co\/resuelve-tus-dudas\"><strong>Tutorial e instructivo de solicitud de cr\u00e9dito<\/strong><\/a> para guiarte paso a paso, y luego completa el formulario directamente en nuestra p\u00e1gina a trav\u00e9s del siguiente enlace: <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/neptuno.valcredit.co\/avales-COTECNOVA\/\"><strong>Solicitar cr\u00e9dito con aval educativo<\/strong><\/a>.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mirmfk0t-19c819f66d59a53e4c2e25222a49f72a'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-3-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-3' aria-controls='tab-id-3-content'  itemprop=\"headline\" ><span class='tab_icon avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='info' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"32\" viewBox=\"0 0 15 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-3' aria-describedby='av-svg-desc-3' role=\"graphics-symbol\">\n<title id='av-svg-title-3'>Info<\/title>\n<desc id='av-svg-desc-3'>Info<\/desc>\n<path d=\"M11.264 0q1.536 0 2.368 0.864t0.832 2.208q0 1.6-1.248 2.816t-3.040 1.216q-1.536 0-2.368-0.832t-0.768-2.304q0-1.472 1.12-2.72t3.104-1.248zM4.672 32q-3.2 0-1.728-5.696l1.92-8.128q0.448-1.792 0-1.792-0.384 0-1.728 0.576t-2.304 1.216l-0.832-1.408q2.88-2.496 6.048-4.032t4.832-1.536q2.496 0 1.152 5.184l-2.24 8.512q-0.512 2.048 0.192 2.048 1.408 0 3.776-1.92l0.96 1.28q-2.688 2.752-5.6 4.224t-4.448 1.472z\"><\/path>\n<\/svg><\/span>ICETEX<\/div><div id='tab-id-3-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-3-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p><a href=\"https:\/\/web.icetex.gov.co\/portal\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-15692 size-medium\" src=\"http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Logo_ICETEX-300x78.png\" alt=\"\" width=\"300\" height=\"78\" srcset=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Logo_ICETEX-300x78.png 300w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Logo_ICETEX-1030x267.png 1030w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Logo_ICETEX-768x199.png 768w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Logo_ICETEX-705x183.png 705w, https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Logo_ICETEX.png 1071w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p>Cotecnova, est\u00e1 comprometida a seguir contribuyendo al fortalecimiento y apoyo continuo del acceso a la educaci\u00f3n superior de calidad en Colombia. Es por ello, que resalta y apoya la iniciativa del Instituto Colombiano de Cr\u00e9dito Educativo y Estudios T\u00e9cnicos en el Exterior \u00abMariano Ospina P\u00e9rez\u00bb \u2013 ICETEX para incentivar a los estudiantes para mitigar los efectos de la inflaci\u00f3n en el costo de la educaci\u00f3n superior y su impacto en las tasas de deserci\u00f3n estudiantil.<\/p>\n<p>Si quieres conocer las l\u00edneas de financiaci\u00f3n que ofrece el icetex, ingresa al siguiente enlace: <strong><a href=\"https:\/\/web.icetex.gov.co\/creditos\/planes-de-financiacion\" target=\"_blank\" rel=\"noopener\">https:\/\/web.icetex.gov.co\/creditos\/planes-de-financiacion<\/a><\/strong><\/p>\n<p>Revisa el Instructivo para la solcitud, renovaci\u00f3n y\/o legalizaci\u00f3n de tu cr\u00e9dito con el ICETEX. <strong><a href=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/05\/Instructivo-Solicitud-Credito-ICETEX-Cotecnova.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/05\/Instructivo-Solicitud-Credito-ICETEX-Cotecnova.pdf<\/a><\/strong><\/p>\n<\/div><\/div><\/section>\n<\/div><\/p><\/div><div  class='flex_column av-p28m7i-a91faf17abf340cf940e10813d6e2a5c av_one_third  avia-builder-el-7  el_after_av_two_third  el_before_av_hr  flex_column_div  column-top-margin'     ><div  class='avia-video av-mirk7oof-ce790eab3361202ee42494cdca436954 avia-video-9-16 av-no-preview-image avia-video-load-always avia-video-html5'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/CreditosEducativos.mp4'><video class='avia_video'    preload=\"auto\"  controls id='player_15662_422676188_501483131'><source src='http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/CreditosEducativos.mp4' type='video\/mp4' \/><\/video><\/div><\/div><\/p>\n<div  class='hr av-msunta-da1c3d41ddcea3d62a82667c6c089c99 hr-default  avia-builder-el-9  el_after_av_one_third  el_before_av_two_third '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='flex_column av-16umgha-6f1c2aab39012c88f82d052e6ef548a6 av_two_third  avia-builder-el-10  el_after_av_hr  avia-builder-el-last  first flex_column_div  '     ><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-15662","page","type-page","status-publish","hentry"],"nelio_popups_active_popup":"","_links":{"self":[{"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/pages\/15662","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/comments?post=15662"}],"version-history":[{"count":29,"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/pages\/15662\/revisions"}],"predecessor-version":[{"id":15834,"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/pages\/15662\/revisions\/15834"}],"wp:attachment":[{"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/media?parent=15662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}