Financial Aid

There are various types of financial aid avail​able to​ Law students who need financial assistance.​​

The Central Provident Fund (CPF) Education Scheme (CES) is available to eligible Bachelor of Laws students who are paying subsidised tuition fees. The CES is for the payment of MOE subsidised tuition fee and it cannot be used to pay the compulsory miscellaneous fees. 

As stipulated by the CPF Board, you can use your own, your spouse's or your parents' CPF savings to pay for your tuition fees. The use of a sibling's CPF savings is only considered on a case-by-case basis

Repayment

Repayment will start one year after graduation or on leaving the programme, whichever is earlier. The student has to repay the full amount of CPF savings withdrawn and the interest from the time the savings are withdrawn in cash. The interest, which is based on the prevailing CPF interest rate, will be credited into the CPF account of the member whose savings had been used. The repayment can be made in one lump sum or by monthly installments over a maximum period of 12 years. For outstanding amounts of up to S$10,000, the minimum repayment per month is S$100.

Guarantor

With effect from 1 April 2005, CPF Board has waived the need fo​​​r students to furnish a guarantor for applications to use CPF savings for education. 

How to apply?

To apply, please submit the application online. You will need your Singpass to login. Please click here for more details and application. We only accept online submission.

Academic YearApplication Period
Intake 2019
15 November ​to 29 December 2018

The Mendaki Tertiary Tuition Fee Subsidy scheme is an education subsidy for Malay students to cover their tuition fees at tertiary institutions. 

With effect from 1 January 2011, students with Malay as their first component race of a double-barrelled race (i.e. Malay-Indian or Malay-Chinese) are also eligible for the scheme.

Eligibility

Bachelor of Law Malay students who are Singapore Citizens (SC) studying in the MOE-subsidised degree programmes at the Singapore University of Social Sciences and their Monthly Household Per Capita Income (PCI) does not exceed S$2,000 are eligible to apply.

Income CriteriaGross Monthly Household Per Capita Income below S$1,400Gross Monthly Household Per Capita Income ≥S$1,401 and ≤S$1,700​Gross Monthly Household Per Capita Income ≥S$1,701 and ≤S$2,000
Quantum100% of subsidised tuition fee75% of subsidised tuition fee50% of subsidised tuition fee

 

How to apply?

Click here to submit online.

For more information please visit http://www.mendaki.org.sg

The Tuition Fee Loan (TFL) is a Government education loan to help students who require assistance to pay their tuition fees. 

Singapore University of Social Sciences has appointed DBS Bank Ltd as the agent to administer the TFL Scheme.

Eligibility

The TFL is available to all Law students of Singapore University of Social Sciences who are Singapore Citizens (SC) or Singapore Permanent Residents (PR). 

The following categories of students are not eligible for TFL:

  • Students receiving Government/Statutory Board/Singapore University of Social Sciences scholarships which cover 100% tuition fees
  • Students using Central Provident Fund ("CPF") savings for payment of 100% of their tuition fees
  • Students receiving full tuition fee subsidy from Mendaki
  • Students who are not SC or PR
     

Loan Quantum

The TFL covers up to 90% of the subsidised tuition fee payable by SC. It does not cover any other miscellaneous fees. You may choose any of these loan quanta: 30%/50%/80%/90% of the total subsidised tuition fees payable by SC.

The University has the discretion on the quantum of the loan to be granted based on its assessment of the student's needs for financial assistance.

Students who have obtained other loans (e.g., CPF Education Scheme) that cover less than 90% of the subsidised fees payable by SC are eligible to take up the TFL to cover the remaining fees payable, as long as the total TFL amount awarded does not exceed 90% of the subsidised fee payable by SC. The total loan amounts (from both the TFL and other loans) should not exceed 100% of the fees payable by the student. 

 

Guarantor

You would need a guarantor to apply for TFL. Although there is no income qualification, your guarantor must be:

  • Between 21 and 60 years
  • Not a bankrupt
  • A Singapore Citizen (SC) if applicant is a SC; a SC or Singapore Permanent Resident (PR) if applicant is a PR

 

Repayment

The repayment terms are as follows:

  • Repayment of the loan can be made in one lump sum or by equal monthly instalments, commencing not later than 2 years after graduation or upon graduates securing employment, whichever is earlier.
  • The minimum amount of repayment is S$100 per month and the maximum repayment period is 20 years.
  • In the event that the borrower leaves the University without completing the degree programme, the loan outstanding will immediately become due and payable. The borrower may, however, repay the outstanding sum by monthly instalments on such terms and conditions as stipulated by the University.

 

Interest Rate

Interest on TFL will start accruing on the first (1st) day of the third (3rd) month following the borrower's graduation/withdrawal. For graduates/withdrawals with remaining National Service obligations, the same interest commencement date will apply. 

The interest on TFL is computed based on the average prime rates of the three local banks, namely DBS, OCBC and UOB, prevailing on the first day of each quarter or such other rates as may be determined from time to time by the bank. Late payment charges will be levied at the rate of 1% per month on instalment in arrears.

 

How to Apply

  • Download the TFL Application Form and blank Letter of Offer.
  • Bring the completed TFL application form, blank Letter of Offer and required supporting documents to any DBS branches by the application deadline. Both you and your guarantor must be present together at the bank for the TFL application.
  • If you eligible to apply, you will be given a completed copy of the Letter of Offer and the terms and conditions governing the TFL on the same day when you are at the bank.
  • The bank will take at least two (2) weeks to process your TFL application and thereafter inform the University on the status of your application.
  • If your application is successful, the University will notify you by email on the balance of the course fee amount payable after receiving the confirmation from the bank.

 

Supporting Documents for TFL Application

  • Completed copy of Tuition Fee Loan Application Form
  • Copy of blank Letter of Offer
  • NRIC/Passport (student and guarantor)
  • Provision Offer or Final Offer Letter of Admission (for new student) or Singapore University of Social Sciences's student card (for existing student)

 

Applications submitted without the complete set of supporting documents will be deemed as incomplete and will not be processed.
 

 

TFL Application Period

Academic YearStart Date of ApplicationSubmission Deadline
Intake 2019
1 September 201830 November 2018

 

Enquiries

  • DBS Bank
    Tel : +65 6333 0033
  • Singapore University of Social Sciences
    Tel: +65 6248 0188

 

Frequently Asked Questions (FAQs)

View FAQs on MOE Tuition Fee Loan.

The MOE Study Loan (SL) is a means-tested Government loan scheme, and complements the Tuition Fee Loan (TFL). The SL provides loans to cover up to the remaining 10% of tuition fees not covered by the TFL. It does not cover any other miscellaneous fees. 

Singapore University of Social Sciences has appointed DBS Bank Ltd as the agent to administer the SL Scheme.

 

Eligibility

Singapore Citizen (SC) and Singapore Permanent Resident (PR) students studying the Law programmes in the University are eligible to apply for the SL. 

Law students who are awarded fee subsidy or loan by an organisation registered with a government agency or have applied for the government TFL in full or a mixture of both, provided the total subsidy or loan is not below 80% (for students with gross monthly household per capita income (PCI) of S$950 and below) or 90% (for students with PCI more than S$950 and up to S$2,700) of subsidised fees payable by SC shall be considered for the SL. The maximum limit of SL is 10%/20% of the subsidised fees payable by SC plus S$3,600 per annum for living allowance. The total loan amounts for fees (from TFL, SL and other loans) should not exceed 100% of the fees payable by the student.

Students who have obtained loans amounting to 100% of tuition fees payable from either the CPF Education Scheme or a combination of the TFL and the CPF Education Scheme can borrow up to the maximum living allowance loan quantum only.

Those who are awarded Mendaki fee subsidy or loan can borrow up to the maximum living allowance loan quantum only.

The University has the discretion on the quantum of the loan to be granted based on its assessment of the student's needs for financial assistance. 


Loan Criteria and Quantum

The SL will be awarded on a means-tested (i.e., needs analysis) basis. The loan quantum is based on the student's Gross Monthly Household Per Capita Income (PCI):

Loan TypeTier 1 Study Loan (Waiver of Interest)Tier 2 Study Loan (With Interest)
Income CriteriaGross Monthly Household Per Capita Income* ≤ S$950Gross Monthly Household Per Capita Income* > S$950 and ≤ S$2,700
Maximum Quantum of LoanMaximum of 20% of subsidised tuition fees payable by SC plus annual living allowance loan of S$3,600Maximum of 10% of subsidised tuition fees payable by SC plus annual living allowance loan of $3,600

* Monthly household per capita income is computed based on total gross income of immediate and non-immediate family members over the total number of immediate and non-immediate family members.

 

Guarantor

You would need a guarantor to apply for SL. Although there is no income qualification, your guarantor must be:

  • Between 21 and 60 years
  • Not a bankrupt
  • A Singapore Citizen (SC) if applicant is a SC; a SC or Singapore Permanent Resident (PR) if applicant is a PR

 

Repayment

The repayment terms are as follows:

  • Repayment of the loan commences not later than 6 months after graduation or upon graduates securing employment, whichever is earlier.
  • The minimum amount of repayment is S$100 per month and the maximum repayment periods are: 
    • Study loan (waiver of interest): 5 years from commencement of first repayment. 
    • Study loan (with interest payment): 20 years from commencement of first repayment.
  • In the event that the borrower leaves the University without completing the programme, the loan outstanding will immediately become due and payable. The borrower may, however, repay the outstanding sum by monthly instalments on such terms and conditions as stipulated by the University.

 

Interest Rate

For students under Tier 1 Study Loan scheme, interest is waived during the repayment period of 5 years. Interest will start accruing if repayment is made beyond the 5-year period. 

For students under Tier 2 Study Loan scheme, interest will start accruing on the first (1st) day of the third (3rd) month following the borrower's graduation. 

The interest on SL is accrued on a monthly basis and is computed based on the average prime rates of the three local banks, namely DBS, OCBC and UOB, prevailing on the first day of each quarter or such other rates as may be determined from time to time by the bank.

 

How to Apply

  • Submit the online application form​ together with the required supporting documents to the University by the deadline as indicated in the table below.
  • If your application is successful, you will be notified by the University within 7 working days of your TFL approval from DBS bank via email (note: only successful applicants will be notified).
  • Upon receiving the email notification from the University, both you and your guarantor are required to sign the Study Loan Agreement at the University in person before the date indicated in the email notification.
  • Upon signing the Study Loan Agreement, the University will notify you via email of the balance of the course fee amount payable by you, i.e., total course fee payable less your Tuition Fee Loan, Study Loan and any other loan taken to finance the tuition fees.
  • The University will then update DBS on your successful Study Loan application and you should receive an annual statement from the bank for your reference.

Applications submitted without the complete set of supporting documents will be deemed as incomplete and will not be processed. 


Study Loan Application Period

Academic YearStart Date of ApplicationSubmission Deadline
Intake 2019
1 September 201830 November 2018

 

Enquiries

  • DBS Bank
    Tel : +65 6333 0033
  • Singapore University of Social Sciences
    Tel: +65 6248 0188

 

Frequently Asked Questions (FAQs)

View FAQs on MOE Study Loan.

The MOE Bursary is funded by the Singapore Government and provides financial assistance to subsidised Singapore Citizens pursuing their first MOE-subsidised Law programme at Singapore University of Social Sciences​. This Bursary is awarded based on financial needs. 
 

Value of MOE Bursary

The Bursary is tenable on a yearly basis. Students receiving the Bursary must not concurrently hold other bursaries or scholarships1.

Tier 1Tier 2
Income CriteriaPCI2 from $1,001 to $1,725 OR
GHI3 from $4,001 to $6,900
PCI2 from $1,726 to $2,250 OR
GHI3 from $6,901 to $9,000
QuantumS$2,700 per awardS$1,350 per award

1Students who are awarded the Tertiary Tuition Fee Subsidy for Malays by Yayasan Mendaki or scholarships/bursaries/study awards, which is meant to cover the tuition fees only, can concurrently hold the MOE Bursary. Students who are holding awards or bursaries that are meant for specific programmes on top of the tuition fees and living expenses, such as bursaries meant for participation in overseas exchange programmes, can also concurrently hold the MOE Bursary. However, students must not concurrently hold the CDC/CCC Bursary and the MOE Bursary.

2PCI refers to gross monthly household Per Capita Income and is computed based GHI divided by the number of immediate and non-immediate family members living in the same household.

3GHI refers to gross monthly household income of immediate and non-immediate family members, where:  
For Unmarried Students:

  • Immediate family members include parents who may or may not be living together with the student.
  • Non-immediate family members include grandparents, siblings, spouses of siblings, siblings of parents, and any other relatives living together with the student.

For Married Students:

  • Immediate family members include spouse and all children who may or may not be living together with the student.
  • Non-immediate family members include parents, grandparents, siblings, spouses of siblings, siblings of parents, and any other relatives living together with the student.

 

Terms & Conditions

You are advised to read through the Terms & Conditions for the MOE Bursary before applying.

 

How to Apply

To apply, you need to submit your e-application via the Student Portal by one of the stipulated closing dates. The application periods, notification and disbursement dates are as follows:

Academic YearApplication PeriodNotification DateDisbursement Date
Intake 20181 June to 15 JulyEnd AugustEnd September

 

For new students, you must be accepted for admission first before submitting your application for the MOE Bursary.

Only successful candidates shall be notified via email. The decision of MOE and the University is final and binding, and no appeals will be entertained. 

Frequently Asked Questions (FAQs)

View FAQs on MOE Bursary.

The Community Development Council/Citizens' Consultative Committee (CDC/CCC) Bursary provides financial assistance to subsidised Singapore Citizens in their first MOE-subsidised Law programme at Singapore University of Social Sciences​. This Bursary is awarded based on financial needs.

Value of CDC/CCC Bursary

The CDC/CCC Bursary is tenable on a yearly basis. Students receiving this Bursary must not concurrently hold other bursaries or scholarships1.

Tier 1Tier 2
Income CriteriaPCI2 ≤ $690 OR
GHI3 ≤ $2,750
PCI2 from $691 to $1,000 OR
GHI3 from $2,751 to $4,000
QuantumS$4,000 per awardS$3,750 per award


1
Students who are awarded the Tertiary Tuition Fee Subsidy for Malays by Yayasan Mendaki or scholarships/bursaries/study awards, which is meant to cover the tuition fees only, can concurrently hold the MOE Bursary. Students who are holding awards or bursaries that are meant for specific programmes on top of the tuition fees and living expenses, such as bursaries meant for participation in overseas exchange programmes, can also concurrently hold the MOE Bursary. However, students must not concurrently hold the CDC/CCC Bursary and the MOE Bursary.


2PCI refers to gross monthly household Per Capita Income and is computed based GHI divided by the number of immediate and non-immediate family members living in the same household.

3GHI refers to gross monthly household income of immediate and non-immediate family members, where:
For Unmarried Students:

  • Immediate family members include parents who may or may not be living together with the student.
  • Non-immediate family members include grandparents, siblings, spouses of siblings, siblings of parents, and any other relatives living together with the student.

For Married Students:

  • Immediate family members include spouse and all children who may or may not be living together with the student
  • Non-immediate family members include parents, grandparents, siblings, spouses of siblings, siblings of parents, and any other relatives living together with the student.

 

Terms & Conditions

You are advised to read through the Terms & Conditions for the CDC/CCC Bursary before applying.

 

How to Apply

To apply, you need to submit your e-application via the Student Portal by the stipulated closing dates. The application periods, notification and disbursement dates are as follows:

Academic YearApplication PeriodNotification DateDisbursement Date
Intake 20181 June - 15 JulyEnd AugustRespective Community Clubs will inform recipients on the disbursement period

 

For new students, you must be accepted for admission first before submitting your application for the CDC/CCC Bursary.

Only successful candidates shall be notified via email. The decision of MOE and the University is final and binding, and no appeals will be entertained.

 

Frequently Asked Questions (FAQs)

View FAQs on CDC/CCC Bursary.

The Justice Choor Singh Study Award for Law​

With the aim to provide financial assistance to deserving students in the Bachelor of Laws and Juris Doctor programmes offered by the Singapore University of Social Sciences (SUSS), the Justice Choor Singh Study Award for Law is sponsoring up to two (2) study awards each year.

Who is Eligible?

You should be a Singapore citizen with impressive academic and co-curricular activities records, strong language skills, and demonstrable leadership qualities. New students must separately seek admission to the programme and must be accepted for admission before being considered for the study award.

Tenure of Study Award

The study award is awarded for the minimum period required to complete the Bachelor of Laws or Juris Doctor programme.

Value of Study Award

The value of each study award is capped at S$10,000 each and will be used to offset against the tuition fees for each semester.  There is no bond attached to the study award.

Terms & Conditions

You are advised to read through the Terms and Conditions​ for the award before applying.

How to Apply

Application period: 1 August – 30 September 

To apply for the award, you need to submit your application online​ by the stipulated closing date.

For prospective students, you must submit your admission e-application first before submitting your application for the award. 

Previously unsuccessful candidates need not re-apply. Only successful candidates shall be notified via email by end November. 

The decision of the Student Awards Committee of SUSS is final and binding, and no reasons will be given for the non-selection of unsuccessful candidates. No appeals will be entertained.

The Post Secondary Education Account (PSEA) scheme helps parents save for their children's post-secondary education by maintaining a Post-Secondary Education Account (PSEA) for each eligible child. This is part of the Government's efforts to encourage every Singaporean to complete his post-secondary education. It also underscores the Government's commitment to support families in investing in the future education of their children, and to prepare them for the economy of the future. PSEA is not a bank account. It is administered by the Ministry of Education and is open automatically for all eligible Singaporeans. 

Students may apply to use their own or their siblings' PSEA to pay fees to be incurred at Singapore University of Social Sciences, among other approved institutions.

Edusave Account balances of students, if any, will be transferred to their PSEA. You can visit the MOE PSEA Scheme website to find out more details on the PSEA Scheme. To find out your PSEA balance, you can call the PSEA/Edusave enquiry line at +65 6260 0777 or email Y29udGFjdEBtb2UuZWR1LnNn.

How to Apply?

For ongoing withdrawal of PSEA fund to pay for tuition fees and miscellaneous fee, please submit a Standing Order (SO) Form. A SO is a one-time application for automatic withdrawal of PSEA fund until either the fund is used up or when the SO is terminated (SO Termination Form) or replaced (submission of new SO). Please submit the SO Form to the Office of Admissions (new student) or Student Support Department (current student) by the stipulated deadline.

Academic YearApplication Period (*for new students)
Intake 2019
By 22 Dec 2018


[ Download Standing Order (SO) Form ]

For termination of SO, please submit your SO Termination Form to MOE at the following address:

Ministry of Education
Finance & Development Division
Level 8, 1 Buona Vista Drive
Singapore 138675
(Attn: PSEA Action Officer)

For one-time withdrawal of PSEA fund to pay tuition fee and/or miscellaneous fee or enrichment programmes that are approved and endorsed by the University, please submit an Ad-Hoc Withdrawal Form. You will need to submit a new form if you wish to pay the fees in the subsequent semesters.

Academic YearApplication Period (*for new students)
Intake 2019
By 22 Dec 2018


[ Download Ad-Hoc Withdrawal Form ]

With the aim to provide opportunity for potential family and criminal lawyers who are not eligible for the MOE’s Tuition Grant to pursue the Law programmes in Singapore University of Social Sciences​, the Ministry of Law is pleased to announce the availability of the MinLaw-SUSS Study Award starting 2017.

Tenure of Study Award

The study award is tenable for a period of five (5) years for the Bachelor of Laws (LLB) and four (4) years for Juris Doctor (JD) programme. Capped at S$7,500 each semester, the award will be used to offset the course fee for the semester.

Value of Study Award

Each study award is worth a total of S$75,000 for the LLB or S$60,000 for the JD programme.


Eligibility Criteria

  • Must be a Singapore Citizen;
  • Not eligible for the MOE Tuition Grant;
  • Not sponsored by any organisation for the LLB or JD programme; and
  • Monthly household income per capita (PCI)* does not exceed S$2,600 or demonstrate financial difficulties.

Award recipients will be required to serve a 5-year bond by practising family and/or criminal law in a Singapore law practice upon graduation and admission to the Singapore Bar.

* PCI = Gross income of family members in household / Total number of family members in househould

Gross income refers to amount before deduction of CPF. It includes allowances, overtime, commission, bonus, etc.

For Unmarried Students: ​ 

  • Immediate family members include parents who may or may not be living together with the student.
  • Non-immediate family members include grandparents, siblings, spouses of siblings, siblings of parents, and any other relatives living together with the student.

For Married Students: 

  • Immediate family members include spouse and all children who may or may not be living together with the student.
  • Non-immediate family members include parents, grandparents, siblings, spouses of siblings, siblings of parents, and any other relatives living together with the student.
     

How to Apply?

Application period: 15 November to 30 November

To apply, download this application form​ and submit it together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed. 

The decision of Singapore University of Social Sciences is final and binding, and no reasons will be given for the non-selection of unsuccessful candidates. No appeals will be entertained.

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Financial Aid

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