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Yanery Altagracia
Yanery is a young student of Odontology who is requesting a loan to cover her tuition. This is her story: My name is Yanery and I am 22 years old. I live in the municipality of Jarabacoa, Dominican Republic, and come from a very low-income family. I am the second of nine siblings and the first one to attend university. I have always dreamed about becoming a doctor and imagined myself wearing a white and long robe. However, as I was growing up and looked around me, this dream seemed harder to achieve. My mother is a very hardworking woman, but did not have the resources to make it possible. She was a single mother and I never met my father, who left us when I was born. My mom had to get ahead by herself and I am grateful to God for her. She taught me to fight for what I want and to never give up. Thanks to these values, I was able to finish my secondary studies. It was not easy for me to go to school as I had to walk long distances with hot weather or sometimes rain. However, I knew what my goal was and I would fight to make my dream come true. I moved from my mother's house and lived with a friend of the family, which made it easier to attend classes. When I finished high-school I was both happy and sad. I was happy because I had moved one step forward and was closer to my dream of going to university, but I was sad because I was not able to be at the graduation party with the rest of my classmates or have photos taken, as my mother could not buy me a dress or pay for my graduation photo.

I started working when I was very young, cleaning houses and taking care of kids. This is how I could attend university. I am currently studying my second year of Odontology, an area of Medicine that I really like, and my dream is to finish and to help many people. I have been able to cover tuition for these two years, but it is too hard now. I do not have a job right now, but still need to pay tuition for one semester, which is why I am requesting the loan. It would be a blessing to count on your help and to use my talent, knowledge and abilities to help people. I could put a smile on the faces of those that think there is no hope.

I hope my story has moved you and that you will decide to bless me with your help.
View original language description ↓
Yanery es una joven estudiante de Odontología, ella está solicitando un préstamo para poder pagar sus estudios, esta es su historia:Mi nombre es Yanery, tengo 22 años de edad, vivo en el municipio de Jarabacoa, Republica Dominicana, vengo de una familia de muy bajos recursos, soy la numero dos de nueve hermanos, de los cuales soy la primera en ir a la universidad. Desde niña soñaba con ser una doctora, soñaba y me imaginaba con mi bata blanca y larga pero mientras crecía y miraba a mi alrededor ese sueño se hacía cada día mas difícil de lograr, ya que mi madre no tenía los recursos para hacer ese sueño realidad, mi madre es una mujer luchadora, fue una madre soltera, nunca conocí a mi padre pues él nos abandonó cuando nací. Mi madre tuvo que enfrentarse a la vida sola, no tenía todo lo necesario pero le doy gracias a Dios por mi madre, ella me enseñó a ser una persona que lucha por lo que quiere y no se rinde tan fácil. Gracias a esos valores terminé mis estudios secundario, no fue tan fácil para mi poder ir a la escuela porque tenía que caminar grandes distancias, muchas veces con el sol tan fuerte encima de mí y otras veces con la lluvia, a pesar de todo esto tenia mis metas bien claras y lucharía hasta mas no poder para alcanzar ese sueño que desde niña esta en mi corazón.
Para poder terminar la secundaria me vi obligada a mudarme de la casa de mi madre para vivir con una amiga de la familia, desde su casa era más fácil para mi ir a la escuela. Al terminar el bachillerato estaba feliz y a la vez triste, feliz porque había subido un escalón más y estaba más cerca de mi sueño de ir a la universidad y triste porque todos mis compañeros fueron a la fiesta de graduación y tuvieron sus fotos en cambio yo no, mi madre no pudo pagarme un vestido ni teníamos para tomarme mi foto de graduación.
Tuve que trabajar a muy temprana edad, desde muy joven limpiaba casas y cuidaba niños, realizando estas tareas pude inscribirme en la universidad y estoy en mi segundo año cursando en la carrera de odontología, me encanta el área de medicina y mi deseo es terminar y poder ayudar a muchas personas.
Hasta ahora he cubierto estos dos años de estudios pero ya siento que no puedo más, es tan difícil, ahora me he quedado sin trabajo y tengo un cuatrimestre que no puedo estudiar porque no tengo los recursos necesarios para seguir, por esta razón es que solicito la ayuda.
Para mí sería una gran bendición si deciden ayudarme, ya que sin este préstamo mi sueño no se haría realidad porque no tengo los recursos para la universidad y todo lo que lleva la carrera. Si no recibiera este préstamo mi vida cambiaría por completo, si lo recibo mi deseo es usar estos dones, talentos, habilidades y conocimientos para ayudar a otras personas. Con mi carrera de odontología poder poner una sonrisa en rostros de personas que creen no hay esperanza.
Espero que mi historia haya movido su corazón y decidan bendecirme con su ayuda.

Additional Information

More information about this loan

The education loans administered by FUNDAPEC can have loan terms of up to 12 years, which includes a grace period of up to 5 years. The grace period includes the time during which the student is enrolled at university. During the grace period, the borrower is not required to make any repayments, and the lenders will not receive any repayments. Please make sure loan terms and repayment schedules suit you before lending.


FUNDAPEC is a student lending organization headquartered in Santo Domingo, Dominican Republic. Its vision is to broaden access to education for all Dominicans, and offers financing to everyone from high school students to graduate students to afford tuition and educational supplies like laptops. Kiva lenders’ funds are used to help students pay for their educations. These loans are post-disbursed, and will not be provided to students until they are fully funded by Kiva lenders.


About Dominican Republic

  • $9,700
    Average annual income
  • 1
    View loans »
    Dominican Republic Loans Fundraising
  • $8,374,650
    Funds lent in using Kiva
  • 42.8
    Dominican Republic Pesos (DOP) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $5,175 helped Yanery Altagracia to cover the tuition of her Odontology studies, as well as books and transportation.
0% repaid
Repayment Term
81 months (Additional Information)
Repayment Schedule
Sep 25, 2013
Sep 1, 2013
Currency Exchange Loss: