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color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e10ccdeb7d1803613526-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e10ccdeb7d1803613526-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            V\u00c9RIFIER MAINTENANT          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e10ccdeb7d1803613526-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e10ccdeb7d1803613526-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e10ccdeb7d1803613526-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e10ccdeb7d1803613526-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e10ccdeb7d1803613526-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e10ccdeb7d1803613526-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e10ccdeb7d1803613526-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e10ccdeb7d1803613526-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e10ccdeb7d1803613526-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e10ccdeb7d1803613526-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e10ccdeb7d1803613526-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            V\u00c9RIFIER MAINTENANT          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e10ccdeb7d1803613526-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e10ccdeb7d1803613526-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e10ccdeb7d1803613526-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e10ccdeb7d1803613526-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e10ccdeb7d1803613526-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e10ccdeb7d1803613526-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e10ccdeb7d1803613526-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e10ccdeb7d1803613526-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e10ccdeb7d1803613526-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e10ccdeb7d1803613526-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e10ccdeb7d1803613526-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            V\u00c9RIFIER MAINTENANT          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e10ccdeb7d1803613526-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e10ccdeb7d1803613526-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e10ccdeb7d1803613526-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e10ccdeb7d1803613526-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e10ccdeb7d1803613526-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e10ccdeb7d1803613526-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e10ccdeb7d1803613526-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e10ccdeb7d1803613526-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e10ccdeb7d1803613526-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e10ccdeb7d1803613526-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e10ccdeb7d1803613526-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            V\u00c9RIFIER MAINTENANT          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e10ccdeb7d1803613526-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e10ccdeb7d1803613526-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e10ccdeb7d1803613526-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e10ccdeb7d1803613526-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e10ccdeb7d1803613526-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e10ccdeb7d1803613526-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e10ccdeb7d1803613526-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e10ccdeb7d1803613526-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e10ccdeb7d1803613526-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e10ccdeb7d1803613526-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e10ccdeb7d1803613526-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            V\u00c9RIFIER MAINTENANT          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e10ccdeb7d1803613526-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e10ccdeb7d1803613526-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e10ccdeb7d1803613526-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e10ccdeb7d1803613526-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e10ccdeb7d1803613526-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e10ccdeb7d1803613526-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e10ccdeb7d1803613526-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e10ccdeb7d1803613526-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e10ccdeb7d1803613526-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e10ccdeb7d1803613526-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e10ccdeb7d1803613526-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            V\u00c9RIFIER MAINTENANT          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e10ccdeb7d1803613526-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e10ccdeb7d1803613526-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e10ccdeb7d1803613526-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e10ccdeb7d1803613526-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e10ccdeb7d1803613526-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e10ccdeb7d1803613526-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e10ccdeb7d1803613526-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e10ccdeb7d1803613526-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e10ccdeb7d1803613526-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e10ccdeb7d1803613526-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e10ccdeb7d1803613526-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            V\u00c9RIFIER MAINTENANT          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e10ccdeb7d1803613526-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e10ccdeb7d1803613526-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e10ccdeb7d1803613526-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e10ccdeb7d1803613526-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e10ccdeb7d1803613526-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e10ccdeb7d1803613526-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e10ccdeb7d1803613526-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e10ccdeb7d1803613526-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e10ccdeb7d1803613526-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e10ccdeb7d1803613526-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e10ccdeb7d1803613526-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            V\u00c9RIFIER MAINTENANT          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e10ccdeb7d1803613526-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e10ccdeb7d1803613526-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e10ccdeb7d1803613526-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e10ccdeb7d1803613526-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e10ccdeb7d1803613526-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e10ccdeb7d1803613526-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e10ccdeb7d1803613526-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e10ccdeb7d1803613526-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e10ccdeb7d1803613526-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e10ccdeb7d1803613526-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e10ccdeb7d1803613526-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            V\u00c9RIFIER MAINTENANT          <\/button>\n        <\/a>\n              <\/div>\n      <\/div>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">1. Comprendre le co\u00fbt : Combien co\u00fbte r\u00e9ellement l&#039;\u00e9ducation ?<\/h3>\n\n\n\n<p>Avant de solliciter un pr\u00eat, il est essentiel de comprendre le co\u00fbt total des \u00e9tudes, commun\u00e9ment appel\u00e9 <strong>Co\u00fbt de la scolarit\u00e9 (COA)<\/strong>Cela comprend g\u00e9n\u00e9ralement\u00a0:<\/p>\n\n\n\n<ul>\n<li>Frais de scolarit\u00e9 et autres frais<\/li>\n\n\n\n<li>Logement et repas<\/li>\n\n\n\n<li>Livres et fournitures<\/li>\n\n\n\n<li>Transport<\/li>\n\n\n\n<li>assurance maladie et d\u00e9penses personnelles<\/li>\n<\/ul>\n\n\n\n<p>De mani\u00e8re g\u00e9n\u00e9rale, vous constaterez peut-\u00eatre\u00a0:<\/p>\n\n\n\n<ul>\n<li><strong>\u00e9tablissements publics de quatre ans<\/strong>Les frais de scolarit\u00e9 annuels sont g\u00e9n\u00e9ralement beaucoup moins \u00e9lev\u00e9s pour les \u00e9tudiants r\u00e9sidant dans l&#039;\u00c9tat que pour ceux venant d&#039;autres \u00c9tats.<\/li>\n\n\n\n<li><strong>institutions priv\u00e9es \u00e0 but non lucratif<\/strong>Les co\u00fbts annuels totaux (logement et repas compris) peuvent facilement atteindre des dizaines de milliers de dollars.<\/li>\n<\/ul>\n\n\n\n<p>Le montant du pr\u00eat n\u00e9cessaire est calcul\u00e9 en fonction de la diff\u00e9rence entre le co\u00fbt des \u00e9tudes et les ressources d\u00e9j\u00e0 disponibles (bourses, subventions, revenus personnels et soutien familial). Ce montant restant d\u00e9termine votre besoin d&#039;emprunt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Principaux types de pr\u00eats \u00e9tudiants<\/h3>\n\n\n\n<p>Les pr\u00eats \u00e9tudiants se r\u00e9partissent en deux grandes cat\u00e9gories\u00a0: <strong>programmes de pr\u00eats f\u00e9d\u00e9raux<\/strong> et <strong>pr\u00eats priv\u00e9s<\/strong> propos\u00e9 par les banques et les organismes de cr\u00e9dit sp\u00e9cialis\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2.1. Pr\u00eats f\u00e9d\u00e9raux<\/h4>\n\n\n\n<p>Les pr\u00eats f\u00e9d\u00e9raux sont souvent recommand\u00e9s en premier lieu en raison de leurs r\u00e8gles standardis\u00e9es et des protections int\u00e9gr\u00e9es qu&#039;ils offrent aux emprunteurs. Les principaux types sont les suivants\u00a0:<\/p>\n\n\n\n<ul>\n<li><strong>Pr\u00eat direct subventionn\u00e9 (pour les \u00e9tudiants de premier cycle)<\/strong><br>Pour les \u00e9tudiants de premier cycle ayant des besoins financiers av\u00e9r\u00e9s.<br>Les int\u00e9r\u00eats sont pris en charge par le gouvernement pendant au moins la moiti\u00e9 de la dur\u00e9e d&#039;inscription et pendant certaines p\u00e9riodes de gr\u00e2ce.<\/li>\n\n\n\n<li><strong>Pr\u00eat direct non subventionn\u00e9 (premier cycle et cycles sup\u00e9rieurs)<\/strong><br>Accessible \u00e0 tous les \u00e9tudiants, quels que soient leurs besoins financiers.<br>Les int\u00e9r\u00eats courent d\u00e8s le versement du pr\u00eat, m\u00eame pendant les \u00e9tudes de l&#039;\u00e9tudiant.<\/li>\n\n\n\n<li><strong>Pr\u00eat Direct PLUS (pour les parents et les \u00e9tudiants dipl\u00f4m\u00e9s)<\/strong>\n<ul>\n<li><em>Parent PLUS<\/em>: \u00c0 l&#039;attention des parents d&#039;\u00e9tudiants de premier cycle \u00e0 charge.<\/li>\n\n\n\n<li><em>Dipl\u00f4m\u00e9 PLUS<\/em>: Pour les \u00e9tudiants de deuxi\u00e8me ou troisi\u00e8me cycle.<br>Ces pr\u00eats ne sont pas subventionn\u00e9s et sont assortis de frais suppl\u00e9mentaires.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Pour \u00eatre admissible \u00e0 ces pr\u00eats, il faut g\u00e9n\u00e9ralement remplir le formulaire FAFSA et s&#039;inscrire dans un \u00e9tablissement admissible.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2.2. Pr\u00eats priv\u00e9s<\/h4>\n\n\n\n<p>Les pr\u00eats priv\u00e9s sont utilis\u00e9s lorsque l&#039;aide f\u00e9d\u00e9rale est insuffisante ou lorsque l&#039;emprunteur n&#039;est pas admissible aux programmes f\u00e9d\u00e9raux.<\/p>\n\n\n\n<p><strong>Caract\u00e9ristiques principales :<\/strong><\/p>\n\n\n\n<ul>\n<li>\u00c9mis par des banques, des coop\u00e9ratives de cr\u00e9dit ou des soci\u00e9t\u00e9s financi\u00e8res priv\u00e9es<\/li>\n\n\n\n<li>L&#039;approbation d\u00e9pend des ant\u00e9c\u00e9dents de cr\u00e9dit, des revenus et souvent d&#039;un cosignataire.<\/li>\n\n\n\n<li>Les taux d&#039;int\u00e9r\u00eat peuvent \u00eatre fixes ou variables.<\/li>\n\n\n\n<li>Les conditions (montants minimums, d\u00e9lais de gr\u00e2ce, exigences relatives aux cosignataires) varient selon le pr\u00eateur.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Taux d&#039;int\u00e9r\u00eat : Aper\u00e7u<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">3.1. Pr\u00eats f\u00e9d\u00e9raux<\/h4>\n\n\n\n<p>Les taux d&#039;int\u00e9r\u00eat des pr\u00eats \u00e9tudiants f\u00e9d\u00e9raux sont fix\u00e9s annuellement et restent fixes pendant toute la dur\u00e9e du pr\u00eat. Ces derni\u00e8res ann\u00e9es, les taux typiques \u00e9taient les suivants\u00a0:<\/p>\n\n\n\n<ul>\n<li><strong>Pr\u00eats \u00e9tudiants de premier cycle (directs subventionn\u00e9s et non subventionn\u00e9s)<\/strong>Environ 61 TP3T par an<\/li>\n\n\n\n<li><strong>Pr\u00eats aux \u00e9tudiants de cycles sup\u00e9rieurs (directs non subventionn\u00e9s)<\/strong>Environ 81 TP3T par an<\/li>\n\n\n\n<li><strong>Pr\u00eats PLUS<\/strong>Environ 91 000 \u00a3 par an, plus les frais d&#039;ouverture de dossier.<\/li>\n<\/ul>\n\n\n\n<p>Les taux peuvent varier d&#039;une ann\u00e9e \u00e0 l&#039;autre, mais une fois votre pr\u00eat d\u00e9caiss\u00e9, le taux est bloqu\u00e9.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3.2. Pr\u00eats priv\u00e9s<\/h4>\n\n\n\n<p>Les taux des pr\u00eats priv\u00e9s varient consid\u00e9rablement en fonction de\u00a0:<\/p>\n\n\n\n<ul>\n<li>Historique de cr\u00e9dit de l&#039;emprunteur et du cosignataire<\/li>\n\n\n\n<li>ratio dette\/revenu<\/li>\n\n\n\n<li>Dur\u00e9e choisie et taux fixe ou variable<\/li>\n<\/ul>\n\n\n\n<p>Les int\u00e9r\u00eats peuvent aller d&#039;aussi peu que 3% par an pour les emprunteurs \u00e0 faible risque \u00e0 plus de 15% pour les profils plus risqu\u00e9s.<\/p>\n\n\n\n<p>Comparez toujours les <strong>TAEG (Taux Annuel Effectif Global)<\/strong>, qui refl\u00e8te \u00e0 la fois le tarif nominal et les frais suppl\u00e9mentaires, pour une comparaison des co\u00fbts plus pr\u00e9cise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u00c9tablissements et entreprises proposant des pr\u00eats \u00e9tudiants<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">4.1. Programmes f\u00e9d\u00e9raux<\/h4>\n\n\n\n<p>Les pr\u00eats f\u00e9d\u00e9raux constituent souvent la meilleure premi\u00e8re option car ils offrent\u00a0:<\/p>\n\n\n\n<ul>\n<li>taux standardis\u00e9s<\/li>\n\n\n\n<li>Plans de remboursement bas\u00e9s sur le revenu<\/li>\n\n\n\n<li>Report et tol\u00e9rance en cas de difficult\u00e9s<\/li>\n\n\n\n<li>Possibilit\u00e9 d&#039;annulation de pr\u00eat pour des travaux dans le secteur public ou \u00e0 but non lucratif<\/li>\n<\/ul>\n\n\n\n<p>En raison de ces protections, il est g\u00e9n\u00e9ralement conseill\u00e9 d&#039;\u00e9puiser les options de pr\u00eats f\u00e9d\u00e9raux avant de solliciter un financement priv\u00e9.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4.2. Pr\u00eateurs priv\u00e9s<\/h4>\n\n\n\n<p>Parmi les principaux pr\u00eateurs priv\u00e9s, on peut citer\u00a0:<\/p>\n\n\n\n<ul>\n<li><strong>Sallie Mae<\/strong> \u2013 Offre des pr\u00eats pour les programmes de premier cycle, de deuxi\u00e8me cycle et professionnels<\/li>\n\n\n\n<li><strong>Pr\u00eats \u00e9tudiants de College Ave<\/strong> \u2013 Reconnue pour ses modalit\u00e9s de remboursement flexibles et ses options de paiement en milieu scolaire<\/li>\n\n\n\n<li><strong>SoFi<\/strong> \u2013 Propose des pr\u00eats \u00e9tudiants et des refinancements, souvent sans frais de dossier et destin\u00e9s aux emprunteurs ayant une bonne cote de cr\u00e9dit.<\/li>\n\n\n\n<li><strong>S\u00e9rieux<\/strong> \u2013 Privil\u00e9gie des conditions de pr\u00eat personnalis\u00e9es et des \u00e9valuations d\u00e9taill\u00e9es des emprunteurs<\/li>\n\n\n\n<li><strong>Ascension<\/strong> \u2013 Propose des pr\u00eats avec ou sans cosignataire, y compris des options pour les \u00e9tudiants de premier cycle et de cycles sup\u00e9rieurs.<\/li>\n\n\n\n<li><strong>Banque des citoyens<\/strong> \u2013 Propose des pr\u00eats \u00e9tudiants et des produits de refinancement<\/li>\n\n\n\n<li><strong>D\u00e9couvrez les pr\u00eats \u00e9tudiants<\/strong> \u2013 Couvre les programmes de premier cycle, de deuxi\u00e8me cycle et des programmes universitaires sp\u00e9cifiques<\/li>\n<\/ul>\n\n\n\n<p>Beaucoup <strong>plateformes de comparaison<\/strong> Des outils existent d\u00e9sormais pour aider les \u00e9tudiants \u00e0 consulter les offres de plusieurs pr\u00eateurs au m\u00eame endroit, ce qui leur permet de prendre de meilleures d\u00e9cisions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Guide \u00e9tape par \u00e9tape\u00a0: Comment obtenir un pr\u00eat \u00e9tudiant<\/h3>\n\n\n\n<p><strong>\u00c9tape 1 \u2013 Estimer le montant du pr\u00eat<\/strong><\/p>\n\n\n\n<p>Commencez par le COA publi\u00e9 par votre \u00e9tablissement et soustrayez\u00a0:<\/p>\n\n\n\n<ul>\n<li>Bourses et subventions<\/li>\n\n\n\n<li>Soutien familial<\/li>\n\n\n\n<li>Revenus et \u00e9pargne personnels<\/li>\n<\/ul>\n\n\n\n<p>Le r\u00e9sultat correspond \u00e0 votre besoin de pr\u00eat estim\u00e9.<\/p>\n\n\n\n<p><strong>\u00c9tape 2 \u2013 Demander une aide institutionnelle et f\u00e9d\u00e9rale<\/strong><\/p>\n\n\n\n<ul>\n<li>Veuillez vous renseigner aupr\u00e8s du bureau d&#039;aide financi\u00e8re de votre \u00e9cole pour conna\u00eetre les documents requis.<\/li>\n\n\n\n<li>Remplissez le formulaire FAFSA pour d\u00e9terminer votre admissibilit\u00e9 \u00e0 l&#039;aide f\u00e9d\u00e9rale.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00c9tape 3 \u2013 Examiner votre offre de pr\u00eat f\u00e9d\u00e9ral<\/strong><\/p>\n\n\n\n<ul>\n<li>Distinguer les montants des pr\u00eats subventionn\u00e9s de ceux des pr\u00eats non subventionn\u00e9s<\/li>\n\n\n\n<li>Privil\u00e9gier les pr\u00eats subventionn\u00e9s chaque fois que possible<\/li>\n\n\n\n<li>N&#039;empruntez que le n\u00e9cessaire pour minimiser votre endettement futur.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00c9tape 4 \u2013 \u00c9valuer les besoins en pr\u00eats priv\u00e9s<\/strong><\/p>\n\n\n\n<ul>\n<li>Si l&#039;aide f\u00e9d\u00e9rale ne couvre pas tous les co\u00fbts, renseignez-vous aupr\u00e8s des pr\u00eateurs priv\u00e9s.<\/li>\n\n\n\n<li>Demandez des devis avec diff\u00e9rentes modalit\u00e9s, types d&#039;int\u00e9r\u00eats et plans de remboursement.<\/li>\n\n\n\n<li>Envisagez de faire appel \u00e0 un cosignataire si cela am\u00e9liore les conditions de votre pr\u00eat.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00c9tape 5 \u2013 Comparer les offres<\/strong><\/p>\n\n\n\n<ul>\n<li>Se concentrer sur <strong>AVR<\/strong>, et pas seulement des int\u00e9r\u00eats nominaux<\/li>\n\n\n\n<li>V\u00e9rifiez si le taux est fixe ou variable.<\/li>\n\n\n\n<li>\u00c9valuer la dur\u00e9e totale de remboursement et son impact sur le co\u00fbt final<\/li>\n\n\n\n<li>Examinez les d\u00e9lais de gr\u00e2ce de remboursement, les options de paiement en milieu scolaire et les frais.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00c9tape 6 \u2013 Finaliser et planifier le remboursement<\/strong><\/p>\n\n\n\n<ul>\n<li>Lisez attentivement le contrat, y compris toutes les clauses relatives aux int\u00e9r\u00eats et aux d\u00e9fauts de paiement.<\/li>\n\n\n\n<li>Piste:\n<ul>\n<li>Montant principal<\/li>\n\n\n\n<li>taux d&#039;int\u00e9r\u00eat<\/li>\n\n\n\n<li>Tableau d&#039;amortissement<\/li>\n\n\n\n<li>Date d&#039;\u00e9ch\u00e9ance du premier paiement<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Int\u00e9grez les remboursements de pr\u00eats dans votre planification financi\u00e8re post-dipl\u00f4me<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">6. Options de remboursement<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">6.1. Pr\u00eats f\u00e9d\u00e9raux<\/h4>\n\n\n\n<p>Les pr\u00eats f\u00e9d\u00e9raux offrent g\u00e9n\u00e9ralement\u00a0:<\/p>\n\n\n\n<ul>\n<li><strong>Plan standard sur 10 ans<\/strong> avec des mensualit\u00e9s fixes<\/li>\n\n\n\n<li><strong>Plans progressifs<\/strong>, o\u00f9 les paiements commencent \u00e0 un faible montant et augmentent<\/li>\n\n\n\n<li><strong>Plans \u00e9tendus<\/strong> avec des mensualit\u00e9s plus faibles et des dur\u00e9es plus longues (int\u00e9r\u00eats totaux plus \u00e9lev\u00e9s)<\/li>\n\n\n\n<li><strong>Remboursement bas\u00e9 sur le revenu (RBR)<\/strong> des plans qui ajustent les paiements en fonction du revenu et peuvent inclure une remise de dette apr\u00e8s une certaine p\u00e9riode<\/li>\n<\/ul>\n\n\n\n<p>Les paiements d\u00e9butent g\u00e9n\u00e9ralement apr\u00e8s un d\u00e9lai de gr\u00e2ce suivant l&#039;obtention du dipl\u00f4me.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">6.2. Pr\u00eats priv\u00e9s<\/h4>\n\n\n\n<p>Les modalit\u00e9s de remboursement varient, mais comprennent souvent\u00a0:<\/p>\n\n\n\n<ul>\n<li><strong>Remboursement imm\u00e9diat<\/strong> (principal + int\u00e9r\u00eat pendant les \u00e9tudes)<\/li>\n\n\n\n<li><strong>paiements d&#039;int\u00e9r\u00eats seulement<\/strong> pendant l&#039;\u00e9cole<\/li>\n\n\n\n<li><strong>mensualit\u00e9s fixes et faibles<\/strong> pendant ses \u00e9tudes<\/li>\n\n\n\n<li><strong>Report total<\/strong> jusqu&#039;apr\u00e8s l&#039;obtention du dipl\u00f4me (souvent avec des int\u00e9r\u00eats suppl\u00e9mentaires accumul\u00e9s)<\/li>\n<\/ul>\n\n\n\n<p>La dur\u00e9e peut varier de quelques ann\u00e9es \u00e0 plus d&#039;une d\u00e9cennie, selon le pr\u00eateur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. Meilleures pratiques pour \u00e9viter une dette \u00e9tudiante excessive<\/h3>\n\n\n\n<ul>\n<li>Veillez \u00e0 ce que le montant total de vos pr\u00eats soit proche ou inf\u00e9rieur \u00e0 votre salaire annuel pr\u00e9vu apr\u00e8s l&#039;obtention de votre dipl\u00f4me.<\/li>\n\n\n\n<li>Privil\u00e9giez les pr\u00eats f\u00e9d\u00e9raux, en particulier les pr\u00eats subventionn\u00e9s, par rapport aux pr\u00eats priv\u00e9s.<\/li>\n\n\n\n<li>Soyez prudent avec les taux d&#039;int\u00e9r\u00eat variables pour les pr\u00eats \u00e0 long terme<\/li>\n\n\n\n<li>Effectuez des paiements suppl\u00e9mentaires lorsque cela est possible afin de r\u00e9duire le capital et les int\u00e9r\u00eats.<\/li>\n\n\n\n<li>Envisagez un refinancement \u00e0 des taux plus bas une fois votre carri\u00e8re stabilis\u00e9e, mais tenez compte de la perte potentielle de protections f\u00e9d\u00e9rales.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-lazyblock-accordion lazyblock-accordion-gI41t\"><script type=\"module\">\n  import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\";\n  const Stimulus = Application.start();\n\n  Stimulus.register(\"accordion\", class extends Controller {\n\n    static get targets() {\n        return [ \"title\", \"description\", \"icon\" ];\n    }\n\n    update(event) {\n      let accordionIndex = Number(event.target.getAttribute('data-accordion-index'));\n      let description = this.descriptionTargets[accordionIndex];\n      let icon = this.iconTargets[accordionIndex];\n      \n      description.classList.toggle('animate-fade-in-down');\n      description.classList.toggle('hidden');\n      icon.classList.toggle('rotate-180');\n    }\n\n  });\n<\/script><div data-controller=\"accordion\" class=\"mx-5 sm:mx-0 rounded mt-10 mb-20\">\n\t<div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"0\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"0\">\n                        Dois-je faire une demande d&#039;aide financi\u00e8re m\u00eame si je suis d\u00e9j\u00e0 inscrit ?                    <\/span>\n                    <svg data-accordion-index=\"0\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Oui. La plupart des \u00e9tablissements scolaires disposent de services d&#039;aide financi\u00e8re qui peuvent r\u00e9\u00e9valuer votre situation, notamment si vos revenus ou votre situation familiale changent.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"1\">\n                        Les r\u00e9sidents non citoyens peuvent-ils acc\u00e9der aux programmes de pr\u00eats f\u00e9d\u00e9raux\u00a0?                    <\/span>\n                    <svg data-accordion-index=\"1\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        L\u2019admissibilit\u00e9 d\u00e9pend du statut d\u2019immigration. Certains groupes sp\u00e9cifiques y sont admissibles, mais en g\u00e9n\u00e9ral, seuls les citoyens am\u00e9ricains ou les non-citoyens admissibles peuvent pleinement b\u00e9n\u00e9ficier des pr\u00eats f\u00e9d\u00e9raux.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"2\">\n                        Les pr\u00eats f\u00e9d\u00e9raux sont-ils toujours meilleurs que les pr\u00eats priv\u00e9s\u00a0?                    <\/span>\n                    <svg data-accordion-index=\"2\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Les pr\u00eats f\u00e9d\u00e9raux offrent g\u00e9n\u00e9ralement une meilleure protection, mais certains pr\u00eats priv\u00e9s peuvent proposer des taux plus avantageux aux emprunteurs ayant un excellent dossier de cr\u00e9dit. Tout d\u00e9pend du cas.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"3\">\n                        Puis-je combiner des pr\u00eats f\u00e9d\u00e9raux et priv\u00e9s\u00a0?                    <\/span>\n                    <svg data-accordion-index=\"3\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Oui. De nombreux \u00e9tudiants contractent d&#039;abord des pr\u00eats f\u00e9d\u00e9raux, puis des pr\u00eats priv\u00e9s pour couvrir les frais restants.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"4\">\n                        Que se passe-t-il si je manque un paiement\u00a0?                    <\/span>\n                    <svg data-accordion-index=\"4\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Les retards de paiement peuvent entra\u00eener des int\u00e9r\u00eats suppl\u00e9mentaires, des p\u00e9nalit\u00e9s et une d\u00e9gradation de votre cote de cr\u00e9dit. Les pr\u00eats f\u00e9d\u00e9raux peuvent donner lieu \u00e0 des mesures de recouvrement plus strictes, y compris la saisie des remboursements d&#039;imp\u00f4t.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"5\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"5\">\n                        Existe-t-il des limites d&#039;emprunt ?                    <\/span>\n                    <svg data-accordion-index=\"5\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Oui. Les pr\u00eats f\u00e9d\u00e9raux et priv\u00e9s ont tous deux des limites annuelles et \u00e0 vie, et le COA plafonne g\u00e9n\u00e9ralement le montant total que vous pouvez emprunter.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"6\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"6\">\n                        Puis-je rembourser un pr\u00eat par anticipation sans p\u00e9nalit\u00e9\u00a0?                    <\/span>\n                    <svg data-accordion-index=\"6\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Les pr\u00eats f\u00e9d\u00e9raux permettent un remboursement anticip\u00e9 sans frais. La plupart des pr\u00eateurs priv\u00e9s l&#039;autorisent \u00e9galement, mais il est toujours conseill\u00e9 de le v\u00e9rifier dans le contrat.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"7\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"7\">\n                        Comment savoir si mon niveau d&#039;endettement est g\u00e9rable ?                    <\/span>\n                    <svg data-accordion-index=\"7\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Une r\u00e8gle g\u00e9n\u00e9rale\u00a0: ne pas emprunter plus que votre salaire annuel pr\u00e9visionnel dans votre domaine. Cela permet de maintenir des mensualit\u00e9s raisonnables.                    <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div>\n\n\n<p><em><strong>Clause de non-responsabilit\u00e9<\/strong>Ce guide est fourni \u00e0 titre informatif uniquement et n&#039;est affili\u00e9 \u00e0 aucun \u00e9tablissement. Les informations qu&#039;il contient ne sauraient remplacer les conseils de professionnels qualifi\u00e9s en mati\u00e8re de planification financi\u00e8re ou scolaire.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>This guide presents, in clear and straightforward language: 1. Understanding the cost: How much does education really cost? Before applying for any loan, it\u2019s essential to understand the full cost of education, commonly known as the Cost of Attendance (COA). This typically includes: Generally speaking, you may find: The loan amount needed is based on [&hellip;]<\/p>","protected":false},"author":103,"featured_media":452,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[6,10],"tags":[9],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - 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