{"id":115366,"date":"2026-04-02T10:31:54","date_gmt":"2026-04-02T14:31:54","guid":{"rendered":"https:\/\/www.bbaf.ulaval.ca\/?p=115366"},"modified":"2026-04-02T14:00:10","modified_gmt":"2026-04-02T18:00:10","slug":"programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit","status":"publish","type":"post","link":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/","title":{"rendered":"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes"},"content":{"rendered":"<p>Saviez-vous que le <a href=\"https:\/\/www.quebec.ca\/education\/aide-financiere-aux-etudes\/\" target=\"_blank\" rel=\"noopener\">Programme de pr\u00eats et bourses<\/a> du gouvernement est nettement plus avantageux que les marges de cr\u00e9dit \u00e9tudiantes offertes par les institutions financi\u00e8res?<\/p>\n<p>&nbsp;<\/p>\n<p>Voici un aper\u00e7u des avantages du Programme de pr\u00eats et bourses:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>Un montant accord\u00e9 sous forme de pr\u00eat, et parfois, sous forme de bourse en fonction de vos besoins et de vos revenus.<\/li>\n<li>Un taux d\u2019int\u00e9r\u00eat tr\u00e8s avantageux et applicable seulement \u00e0 la fin des \u00e9tudes \u00e0 temps plein.<\/li>\n<li>Les int\u00e9r\u00eats d\u00e9ductibles d\u2019imp\u00f4ts durant tout le remboursement du pr\u00eat.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Consultez cette courte vid\u00e9o ou la <a href=\"https:\/\/www.bbaf.ulaval.ca\/mes-finances\/financer-mes-etudes\/#aidefinanciereetudes\">section Aide financi\u00e8re aux \u00e9tudes (AFE)<\/a> de la page Financer mes \u00e9tudes pour en savoir davantage sur le sujet.<\/p>\n<p>&nbsp;<\/p>\n<div class=\"epyt-video-wrapper\"><iframe loading=\"lazy\"  id=\"_ytid_69581\"  width=\"480\" height=\"270\"  data-origwidth=\"480\" data-origheight=\"270\"  data-relstop=\"1\" src=\"https:\/\/www.youtube.com\/embed\/VwB7jI8hiAg?enablejsapi=1&autoplay=0&cc_load_policy=0&cc_lang_pref=fr&iv_load_policy=1&loop=0&rel=0&fs=1&playsinline=0&autohide=2&theme=dark&color=red&controls=1&disablekb=0&\" class=\"__youtube_prefs__  no-lazyload\" title=\"Pr\u00eats et bourses versus marge de cr\u00e9dit \u00e9tudiante\"  allow=\"fullscreen; accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen data-no-lazy=\"1\" data-skipgform_ajax_framebjll=\"\"><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Saviez-vous que le Programme de pr\u00eats et bourses du gouvernement est nettement plus avantageux que les marges de cr\u00e9dit \u00e9tudiantes offertes par les institutions financi\u00e8res? &nbsp; Voici un aper\u00e7u des avantages du Programme de pr\u00eats et bourses: Un montant accord\u00e9 sous forme de pr\u00eat, et parfois, sous forme de bourse en fonction de vos besoins [&hellip;]<\/p>\n","protected":false},"author":42,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[117],"tags":[],"class_list":["post-115366","post","type-post","status-publish","format-standard","hentry","category-nouvelles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes | Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes | Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)\" \/>\n<meta property=\"og:description\" content=\"Saviez-vous que le Programme de pr\u00eats et bourses du gouvernement est nettement plus avantageux que les marges de cr\u00e9dit \u00e9tudiantes offertes par les institutions financi\u00e8res? &nbsp; Voici un aper\u00e7u des avantages du Programme de pr\u00eats et bourses: Un montant accord\u00e9 sous forme de pr\u00eat, et parfois, sous forme de bourse en fonction de vos besoins [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bourses\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-02T14:31:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-02T18:00:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bbaf.ulaval.ca\/wp-content\/uploads\/2023\/08\/bbaf-1000x1000-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Am\u00e9lie Lebel\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Am\u00e9lie Lebel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/\"},\"author\":{\"name\":\"Am\u00e9lie Lebel\",\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/#\/schema\/person\/bd7554120dbea704c690bf4db11ff3b6\"},\"headline\":\"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes\",\"datePublished\":\"2026-04-02T14:31:54+00:00\",\"dateModified\":\"2026-04-02T18:00:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/\"},\"wordCount\":153,\"articleSection\":[\"Nouvelles\"],\"inLanguage\":\"en\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/\",\"url\":\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/\",\"name\":\"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes | Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)\",\"isPartOf\":{\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/#website\"},\"datePublished\":\"2026-04-02T14:31:54+00:00\",\"dateModified\":\"2026-04-02T18:00:10+00:00\",\"author\":{\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/#\/schema\/person\/bd7554120dbea704c690bf4db11ff3b6\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.bbaf.ulaval.ca\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/#website\",\"url\":\"https:\/\/www.bbaf.ulaval.ca\/en\/\",\"name\":\"Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)\",\"description\":\"Universit\u00e9 Laval\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.bbaf.ulaval.ca\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/#\/schema\/person\/bd7554120dbea704c690bf4db11ff3b6\",\"name\":\"Am\u00e9lie Lebel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/www.bbaf.ulaval.ca\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d3dc99664323b8cf8a2af8e451700f5c71381253db46cf9e61b4db09c06fa379?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d3dc99664323b8cf8a2af8e451700f5c71381253db46cf9e61b4db09c06fa379?s=96&d=mm&r=g\",\"caption\":\"Am\u00e9lie Lebel\"},\"url\":\"https:\/\/www.bbaf.ulaval.ca\/en\/author\/ambol11\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes | Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/","og_locale":"en_US","og_type":"article","og_title":"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes | Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)","og_description":"Saviez-vous que le Programme de pr\u00eats et bourses du gouvernement est nettement plus avantageux que les marges de cr\u00e9dit \u00e9tudiantes offertes par les institutions financi\u00e8res? &nbsp; Voici un aper\u00e7u des avantages du Programme de pr\u00eats et bourses: Un montant accord\u00e9 sous forme de pr\u00eat, et parfois, sous forme de bourse en fonction de vos besoins [&hellip;]","og_url":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/","og_site_name":"Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)","article_publisher":"https:\/\/www.facebook.com\/bourses","article_published_time":"2026-04-02T14:31:54+00:00","article_modified_time":"2026-04-02T18:00:10+00:00","og_image":[{"width":1000,"height":1000,"url":"https:\/\/www.bbaf.ulaval.ca\/wp-content\/uploads\/2023\/08\/bbaf-1000x1000-1.png","type":"image\/png"}],"author":"Am\u00e9lie Lebel","twitter_misc":{"Written by":"Am\u00e9lie Lebel","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/#article","isPartOf":{"@id":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/"},"author":{"name":"Am\u00e9lie Lebel","@id":"https:\/\/www.bbaf.ulaval.ca\/en\/#\/schema\/person\/bd7554120dbea704c690bf4db11ff3b6"},"headline":"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes","datePublished":"2026-04-02T14:31:54+00:00","dateModified":"2026-04-02T18:00:10+00:00","mainEntityOfPage":{"@id":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/"},"wordCount":153,"articleSection":["Nouvelles"],"inLanguage":"en"},{"@type":"WebPage","@id":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/","url":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/","name":"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes | Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)","isPartOf":{"@id":"https:\/\/www.bbaf.ulaval.ca\/en\/#website"},"datePublished":"2026-04-02T14:31:54+00:00","dateModified":"2026-04-02T18:00:10+00:00","author":{"@id":"https:\/\/www.bbaf.ulaval.ca\/en\/#\/schema\/person\/bd7554120dbea704c690bf4db11ff3b6"},"breadcrumb":{"@id":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.bbaf.ulaval.ca\/en\/nouvelles\/programme-de-prets-et-bourses-vs-prets-personnels-et-marges-de-credit\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.bbaf.ulaval.ca\/en\/"},{"@type":"ListItem","position":2,"name":"Programme de pr\u00eats et bourses VS marges de cr\u00e9dit \u00e9tudiantes"}]},{"@type":"WebSite","@id":"https:\/\/www.bbaf.ulaval.ca\/en\/#website","url":"https:\/\/www.bbaf.ulaval.ca\/en\/","name":"Bureau des bourses et de l&#039;aide financi\u00e8re (BBAF)","description":"Universit\u00e9 Laval","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.bbaf.ulaval.ca\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en"},{"@type":"Person","@id":"https:\/\/www.bbaf.ulaval.ca\/en\/#\/schema\/person\/bd7554120dbea704c690bf4db11ff3b6","name":"Am\u00e9lie Lebel","image":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.bbaf.ulaval.ca\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d3dc99664323b8cf8a2af8e451700f5c71381253db46cf9e61b4db09c06fa379?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d3dc99664323b8cf8a2af8e451700f5c71381253db46cf9e61b4db09c06fa379?s=96&d=mm&r=g","caption":"Am\u00e9lie Lebel"},"url":"https:\/\/www.bbaf.ulaval.ca\/en\/author\/ambol11\/"}]}},"_links":{"self":[{"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/posts\/115366","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/users\/42"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/comments?post=115366"}],"version-history":[{"count":9,"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/posts\/115366\/revisions"}],"predecessor-version":[{"id":126404,"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/posts\/115366\/revisions\/126404"}],"wp:attachment":[{"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/media?parent=115366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/categories?post=115366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bbaf.ulaval.ca\/en\/wp-json\/wp\/v2\/tags?post=115366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}