TY CONF TI EDUCATIONAL LOAN AND ITS ROLE IN OBTAINING HIGHER EDUCATION KW educational credit KW higher education KW government programs KW credit programs KW bank. JO MANAGER OF THE YEAR – 2025 AU Kurasova, K.A. AU Zinoveva, I.S. PY 2025 PB FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov