Necesidad de reformar el literal b, del art. 4 del reglamento de crédito educativo del instituto ecuatoriano de crédito educativos y becas del ecuador

The Ecuadorian State aware of the activity of generating an excellent formation, training and professionals' formation in the handmade level, technician, technological, professional and of postgrado of the human talent, it has started a system of educational loans and scholarships that allow the citizens to consent to all loan rate or educational loans to study or to finance studies in the high school programs, education technical and technological superior, pregrado third level, graduate degree of fourth level, special education, training for non formal education, scientific investigation, military and similar careers, among other aspects that are part of the line of credit of long term whose economic recovery for the Ecuadorian State begins after six months of having concluded the studies; however I consider that the one finishes foreseen for the payment of the long term educational loan it is very short and the same one doesn't allow the beneficiaries to fulfill the necessary payments to cancel their obligationses, whereas, it is impossible that during the I finish of six months, people can acquire an employment that allows them to cover with the payment quotas; also the current situation for which the Ecuador happens, determines that a recession of the productive apparatus of the State that doesn't allow the generation of the necessary economic resources, situation that affects the population in general exists and that it limits people to cover the debts that he/she stays with the Ecuadorian Institute of Credits and Scholarships of the Ecuador, in and of itself, I consider that the most appropriate thing is to reform the literal b, of the art. 4 of the Regulation of Educational loan of the Ecuadorian Institute of Educational loan and Scholarships of the Ecuador, increasing the payment term to one year so that it exists a true payment covering and a social and credit guarantee so that the beneficiaries fulfill their obligations.