{"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":"2026-07-17T17:35:42","modified_gmt":"2026-07-17T22:35:42","slug":"credito-educativo","status":"publish","type":"page","link":"https:\/\/cotecnova.edu.co\/index.php\/credito-educativo\/","title":{"rendered":"Cr\u00e9dito Educativo"},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-0  el_before_av_one_full  avia-builder-el-first   container_wrap fullsize'  ><div  class='avia-slideshow av-mrpijpzz-bd170da4e77c94eabee360fa7cdc014e avia-slideshow-no scaling av_slideshow_full avia-slide-slider av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied   avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 20.8203125%;'><li  class='avia-slideshow-slide av-mrpijpzz-bd170da4e77c94eabee360fa7cdc014e__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img fetchpriority=\"high\" class=\"wp-image-15951 avia-img-lazy-loading-not-15951\"  src='https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/07\/HeaderSitioWeb_Credito-Educativo-scaled.jpg' width='2560' height='533' title='HeaderSitioWeb_Cr\u00e9dito Educativo' alt=''  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><\/div><\/div><div id='after_full_slider_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15662'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-5x54rda-59d932eaa019c6f20d8dc2c8446b8355 av_one_full  avia-builder-el-1  el_after_av_slideshow_full  el_before_av_two_third  avia-builder-el-first  first flex_column_div  '     ><section  class='av_textblock_section av-mrp5qopv-6e1bb73e8f638189a912df801ba2ec6d '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"font-size: 14px; color: #555; margin: 0 0 20px 0;\">En COTECNOVA creemos que el acceso a la educaci\u00f3n superior debe estar al alcance de todos. Por eso ofrecemos un portafolio diversificado de cr\u00e9ditos educativos, cada uno pensado para adaptarse a tu capacidad de pago, brind\u00e1ndote libertad de elecci\u00f3n y respaldo institucional.<\/p>\n<div style=\"display: flex; flex-direction: column; gap: 16px; margin: 0 0 25px 0;\">\n<div style=\"border-left: 5px solid #005f2c; padding: 14px 18px; background: #f9f9f9; border-radius: 4px;\">\n<h4 style=\"color: #005f2c; margin: 0 0 6px 0;\">L\u00ednea de Financiaci\u00f3n Interna<\/h4>\n<p style=\"font-size: 14px; color: #555; margin: 0;\">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<\/div>\n<div style=\"border-left: 5px solid #005f2c; padding: 14px 18px; background: #f9f9f9; border-radius: 4px;\">\n<h4 style=\"color: #005f2c; margin: 0 0 6px 0;\">L\u00ednea de Financiaci\u00f3n Externa<\/h4>\n<p style=\"font-size: 14px; color: #555; margin: 0;\">Mediante esta alternativa COTECNOVA pone a disposici\u00f3n de sus estudiantes la posibilidad de financiar su matr\u00edcula a trav\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, garantizando un proceso \u00e1gil, r\u00e1pido, seguro y 100% digital.<\/p>\n<\/div>\n<div style=\"border-left: 5px solid #005f2c; padding: 14px 18px; background: #f9f9f9; border-radius: 4px;\">\n<h4 style=\"color: #005f2c; margin: 0 0 6px 0;\">Reglamento Interno de Cr\u00e9dito, Cartera y Cobranza<\/h4>\n<p style=\"margin: 6px 0 10px 0; font-size: 14px; color: #555;\">Acuerdo No. 017 de 2026 \u2014 Actualizaci\u00f3n del Reglamento Interno de Cr\u00e9dito, Cartera y Cobranza de COTECNOVA.<\/p>\n<p><a style=\"background-color: #ee701c; color: #fff; padding: 7px 18px; border-radius: 5px; text-decoration: none; font-size: 13px; font-weight: bold;\" href=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/07\/ACUERDO-017-2026-Actualizacion-Reglamento-interno-de-credito-cartera-y-cobranza.pdf\" target=\"_blank\" rel=\"noopener\">Ver documento<\/a><\/p>\n<\/div>\n<\/div>\n<\/div><\/section><\/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'     ><div  class='tabcontainer av-mirlg8dg-b2950a6b4f4d2a5313980e34446bb0cd top_tab  avia-builder-el-4  avia-builder-el-no-sibling '>\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\" ><div style=\"border-left: 5px solid #005f2c; padding: 14px 18px; background: #f9f9f9; border-radius: 4px;\">\n<div style=\"text-align: center; margin: 0 0 14px 0;\"><a href=\"https:\/\/credinova.cotecnova.edu.co\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n<img decoding=\"async\" style=\"height: 150px; width: auto;\" src=\"http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Credinova-01-300x175.png\" alt=\"CrediNOVA\" \/><br \/>\n<\/a><\/div>\n<p style=\"font-size: 14px; color: #555; margin: 0 0 12px 0;\">En COTECNOVA sabemos que el valor de la matr\u00edcula no debe ser un obst\u00e1culo para alcanzar tus metas acad\u00e9micas. Por eso contamos con CrediNOVA, 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.<\/p>\n<div style=\"display: flex; gap: 10px; flex-wrap: wrap;\"><a style=\"background-color: #ee701c; color: #fff; padding: 7px 18px; border-radius: 5px; text-decoration: none; font-size: 13px; font-weight: bold;\" href=\"https:\/\/credinova.cotecnova.edu.co\/\" target=\"_blank\" rel=\"noopener\">Conocer CrediNOVA<\/a><br \/>\n<a style=\"background-color: #005f2c; color: #fff; padding: 7px 18px; border-radius: 5px; text-decoration: none; font-size: 13px; font-weight: bold;\" href=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/07\/Instructivo-Solicitud-de-Creditos-Internos-CrediNova.pdf\" target=\"_blank\" rel=\"noopener\">Instructivo CrediNOVA<\/a><\/div>\n<\/div>\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-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\">\n<title id='av-svg-title-1'>Network<\/title>\n<desc id='av-svg-desc-1'>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\" ><div style=\"border-left: 5px solid #005f2c; padding: 14px 18px; background: #f9f9f9; border-radius: 4px;\">\n<div style=\"text-align: center; margin: 0 0 14px 0;\"><a href=\"https:\/\/www.valcredit.co\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n<img decoding=\"async\" style=\"height: 60px; width: auto;\" src=\"http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/06\/ValCredit-Logo-300x57.png\" alt=\"ValCredit\" \/><br \/>\n<\/a><\/div>\n<p style=\"font-size: 14px; color: #555; margin: 0 0 12px 0;\">Si necesitas financiar tu matr\u00edcula con el respaldo de una entidad financiera, ValCredit te ofrece el Cr\u00e9dito con Aval Educativo, una opci\u00f3n \u00e1gil y accesible pensada para estudiantes de COTECNOVA. Antes de diligenciar tu solicitud consulta el instructivo o el tutorial para guiarte paso a paso.<\/p>\n<div style=\"display: flex; gap: 10px; flex-wrap: wrap;\"><a style=\"background-color: #ee701c; color: #fff; padding: 7px 18px; border-radius: 5px; text-decoration: none; font-size: 13px; font-weight: bold;\" href=\"https:\/\/neptuno.valcredit.co\/avales-COTECNOVA\/\" target=\"_blank\" rel=\"noopener\">Solicitar cr\u00e9dito<\/a><br \/>\n<a style=\"background-color: #005f2c; color: #fff; padding: 7px 18px; border-radius: 5px; text-decoration: none; font-size: 13px; font-weight: bold;\" href=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/07\/Instructivo-Solicitud-de-Creditos-Externos-ValCredit.pdf\" target=\"_blank\" rel=\"noopener\">Instructivo ValCredit<\/a><br \/>\n<a style=\"background-color: #878787; color: #fff; padding: 7px 18px; border-radius: 5px; text-decoration: none; font-size: 13px; font-weight: bold;\" href=\"https:\/\/www.valcredit.co\/resuelve-tus-dudas\" target=\"_blank\" rel=\"noopener\">Tutorial ValCredit<\/a><\/div>\n<\/div>\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-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\">\n<title id='av-svg-title-2'>Info<\/title>\n<desc id='av-svg-desc-2'>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\" ><div style=\"border-left: 5px solid #005f2c; padding: 14px 18px; background: #f9f9f9; border-radius: 4px;\">\n<div style=\"text-align: center; margin: 0 0 14px 0;\"><a href=\"https:\/\/web.icetex.gov.co\/portal\" target=\"_blank\" rel=\"noopener\"><br \/>\n<img decoding=\"async\" style=\"height: 80px; width: auto;\" src=\"http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/12\/Logo_ICETEX-300x78.png\" alt=\"ICETEX\" \/><br \/>\n<\/a><\/div>\n<p style=\"font-size: 14px; color: #555; margin: 0 0 12px 0;\">COTECNOVA apoya la iniciativa del ICETEX para incentivar a los estudiantes y mitigar los efectos de la inflaci\u00f3n en el costo de la educaci\u00f3n superior. Conoce las l\u00edneas de financiaci\u00f3n disponibles y consulta el instructivo para la solicitud, renovaci\u00f3n y\/o legalizaci\u00f3n de tu cr\u00e9dito.<\/p>\n<div style=\"display: flex; gap: 10px; flex-wrap: wrap;\"><a style=\"background-color: #ee701c; color: #fff; padding: 7px 18px; border-radius: 5px; text-decoration: none; font-size: 13px; font-weight: bold;\" href=\"https:\/\/web.icetex.gov.co\/creditos\/planes-de-financiacion\" target=\"_blank\" rel=\"noopener\">L\u00edneas de financiaci\u00f3n ICETEX<\/a><br \/>\n<a style=\"background-color: #005f2c; color: #fff; padding: 7px 18px; border-radius: 5px; text-decoration: none; font-size: 13px; font-weight: bold;\" href=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2026\/05\/Instructivo-Solicitud-Credito-ICETEX-Cotecnova.pdf\" target=\"_blank\" rel=\"noopener\">Instructivo ICETEX COTECNOVA<\/a><\/div>\n<\/div>\n<\/div><\/div><\/section>\n<\/div><\/div>\n<div  class='flex_column av-p28m7i-a91faf17abf340cf940e10813d6e2a5c 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