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Karol Stephanie
This is Karol. She is 27 years old. Since childhood, she has loved the field of health and helping others, but, like everybody else, her life has not been easy. She had the opportunity to study medicine, but had to give it up because of financial problems. After going through a difficult situation with her family, she no longer had their support. She decided to make a life decision, and that is when she left home.

At that point, she was determined to find a job to support herself and to return to her education, so she got started with nursing. She enrolled in school, made it to her third semester, and was doing clinical practice in the Fontibón hospital. What she didn't know what that she was pregnant; she was four months along. She found out through routine exams that she had to do at a check-up, and wow... surprise.

At that moment, she was crying because she didn't know what to do. She recalls that upon seeing the first ultrasound, all that mattered to her was knowing whether the baby was okay, whether it had all its fingers and toes, and that she cried with joy.

Thank God, despite everything, the baby was born safe and sound. She waited to complete her degree and she quit her job. She stayed home two months with the baby and then began looking for work. That's how she ended up where she is currently working; it's a place where they gave her a chance to better herself and to support herself, and she has been able to give her son everything he needs.

She wanted to return to her education, and she started looking for a way. That's how she registered online at Campo Alto; she also wanted to be able to do her clinical practice at night and for her studies not to interfere with her job.

Upon starting her first semester, everything went well until she started to be overwhelmed by her expenses. Even then, she has always stayed on top of her payments and outstanding items. She has always been determined to be a great student and above all, to be dedicated to what she does. At the end of the last semester, she was a little worried because she couldn't pay off what she owed for that semester, but in the end she managed to come up with the money and pay it off. She still owes, but she is getting there little by little.

Because she did so well academically, Karol is asking for Kiva's support. This will help her to not be so worried every month about her payments, and it would be a great help toward her being able to fulfill her goals and plans and be able to prove to herself and to her son that she can make it without anyone's help. In addition, her little baby is already starting at nursery school this year, and that will be an additional expense.

So that is the story of Karol, a real warrior, and of how Campo Alto has been a great chance for her to overcome her challenges, as they provide great opportunities to their students.
View original language description ↓
Ella es karol, tiene 27 años, desde la niñez le apasiona el tema de la salud y el ayudar a los demás, pero como todo el mundo la vida no fue fácil. Tuvo la oportunidad de estudiar medicina y por problemas económicos tuvo que dejarlo, después de enfrentar una dura realidad con la familia, ya que no contaba con el apoyo de ninguno de ellos, decidió tomar decisiones frente a la vida, y es así como se fue de la casa.
Allí se dedicó a buscar un trabajo para mantenerse y volver a estudiar y por eso comenzó con enfermería, es así como ingreso a estudiar, logro llegar a tercer semestre, realizo prácticas en el hospital de Fontibón, pero lo que no sabía era que estaba embarazada, tenía 4 meses de gestación, se vino a dar cuenta por unos exámenes de rutina que tuvo que realizarse por chequeo médico y valla sorpresa.
En ese momento ella lloraba porque no sabía que hacer, recuerda que al ver la primera ecografía solo le importaba saber si el bebe estaba bien, si no le faltaba nada y lloro de alegría.

Gracias a Dios, a pesar de todo el bebe nació sano y salvo, espero cumplir la licencia y renuncio a donde estaba trabajando, duró 2 meses mas con el bebe en la casa y se dedicó a buscar trabajo, así llego a donde actualmente está trabando, un lugar donde le dieron la oportunidad de superarse y salir adelante y donde ha podido darle todo a el hijo sin que le falte nada.
Ella quería retomar los estudios, y se puso a buscar, fue así como se inscribió por Internet a Campo Alto además que ella buscaba poder realizar las prácticas en la noche y que no interfiriera con el trabajo.
Al comenzar primer semestre todo iba bien hasta que comenzó a verse alcanzada por los gastos, pero aun así, siempre ha sido ordenada con los pagos y pendientes, siempre se ha determinado por ser una gran estudiante y sobre todo la dedicación que le pone a lo que hace, al final del semestre pasado se vio un poco preocupada por que no podría cancelar lo que debía del semestre pero al fin logro conseguirlo y cancelar, todavía lo debe pero hay va poco a poco, como le fue tan bien académica mente pide el convenio con kiva, esto le ayudaría para no verse tan preocupada cada mes con la mensualidad y seria de una gran ayuda para así ella cumplir las metas, proyectos y poder demostrase a ella y a al hijo que puede salir adelante sin la ayuda de nadie. Además que el pequeño bebe ya entra al jardín este año y eso genera más gastos. Bueno esta es la historia de karol una gran guerrera, que campo alto ha sido una gran oportunidad de superación y grandes oportunidades que le brindan a los estudiantes.

Additional Information

More information about this loan

This loan will help a CampoAlto student pay a semester's tuition. With seven branches throughout Bogota, Colombia, CampoAlto tailors educational programs for socially marginalized students. Each of these courses lasts three semesters on average and includes specialized training and internship placement to help students secure jobs after graduation.

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

About CampoAlto

CampoAlto is a for-profit education institute that offers a variety of classes to students from socially or economically marginalized groups, including women, ethnic minorities, displaced populations, disabled individuals, and those living below the poverty line. Kiva funding is being used to pay tuition for students who couldn’t otherwise afford to attend classes.

Because CampoAlto’s core business is not purely microfinance, there is some level of additional risk for lenders. For this reason, Kiva has not assigned the institute a risk rating.

About Colombia

  • $11,100
    Average annual income
  • 283
    View loans »
    Colombia Loans Fundraising
  • $17,896,175
    Funds lent in using Kiva
  • 1,987.1
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Karol Stephanie to pay for a semester of tuition.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jan 5, 2014
Jan 25, 2014
Currency Exchange Loss:
Jul 17, 2014