%0 Conference Article %T EDUCATIONAL LOAN AND ITS ROLE IN OBTAINING HIGHER EDUCATION %A Kurasova, K.A. %A Zinoveva, I.S. %K educational credit, higher education, government programs, credit programs, bank. %J MANAGER OF THE YEAR – 2025 %D 2025 %P 6 %I FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov