The Central Provident Fund (CPF) Education Loan Scheme is available to all subsidised SUSS full-time undergraduate students who are Singapore Citizens (SC) or Singapore Permanent Residents (PR) studying in the MOE-subsidised degree programmes at SUSS. This scheme cannot be used to pay 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 The student has to repay the full amount of CPF savings withdrawn and the interest from the time the savings are withdrawn in cash.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 instalments 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 for students to furnish a guarantor for applications to use CPF savings for education.

How to Apply?

We only accept online submission and you will need your Singpass to login. Please refer to the step-by-step guide on how to submit an online application.

Application Periods:

New Students	Current Students
AY2025 Intake: TBC - Please visit this page for updates	AY2024 Intake and earlier January 2025 semester: 1 to 30 December 2024

 

 

Frequently Asked Questions (FAQs) and Resources

View FAQs on CPF Education Loan Scheme
View CPF interest rates

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

• Singapore Citizens (SC) / Singapore Permanent Resident (SPR)
• Malay or Indonesian descent
• Full-time undergraduate programme at local government tertiary Institution and covered under MOE-subsidised degree programmes
• First awarding Degree
• PCI not exceeding S$2,000

Income Criteria	Gross Monthly Household Per Capita Income below S$1,400	Gross 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
Quantum	100% of subsidised tuition fee	75% of subsidised tuition fee	50% of subsidised tuition fee

 

How to Apply?

Access MyMENDAKI Portal to submit an online application.

Academic Year	1st Application Period	2nd Application Period	Notification Date
Intake 2025 - 2026	15 May 2025 to 15 July 2025	20 November 2025 to 5 January 2026	You will be informed by Yayasan Mendaki directly

 

For more information please visit Mendaki's website here.

** For AY2026 Intake Applicants: Please visit the SUSS website in June 2026 for updates **

The Tuition Fee Loan (TFL) is a Government education loan to help students in their payment of tuition fees.

Singapore University of Social Sciences (SUSS) has appointed DBS Bank Ltd as the agent to administer the TFL Scheme on behalf of the University.

Students who have applied for TFL through DBS will first receive the status of their loan account from the bank, and subsequently a final email notification from SUSS if their applications are successful and accepted. The TFL application is only completed and confirmed, upon the issuance of this final email notification from SUSS. 

 

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/SUSS scholarships which cover 100% tuition fees
• Students using Central Provident Fund ("CPF") savings for payment of 100% of the 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 (SPR) if applicant is a SPR

 

Repayment

The repayment terms are as follows:

• Repayment of the loan can be made in one lump sum or by equal monthly , commencing not later than 2 years after graduation.
• 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 on such terms and conditions as stipulated by SUSS

 

Interest Rate

Interest will commence after the borrower's graduation.

The following interest rates will be applicable to all new Government education loan (i.e. Tuition Fee Loan and Study Loan) agreements signed on and after 1 April 2024.

Standard interest*	3-month compounded Singapore Overnight Rate Average (3M SORA) plus 1.5 percentage points or such other rates as may be determined from time to time by the bank
Late payment interest for overdue and unpaid loans/loan instalment	3M SORA plus 4.5 percentage points or such rate as may be determined from time to time by the bank

* not applicable to interest-free Study Loan

The interest rates will be revised on a half-yearly basis based on the 3M SORA published on the Monetary Authority of Singapore’s (MAS) website on 1 March (for the period 1 April to 30 September) or 1 September (for the period 1 October to 31 March of the following calendar year).  You can visit DBS website for the applicable interest rates on every 1 April and 1 October.

How to Apply

TFL Application Period

Academic Year	Start Date of Application	*Submission Deadline

*Note:  TFL application submitted after the stipulated deadline above may be rejected.

To Apply;

• Please visit Tuition Fee Loan | DBS Singapore and follow the instructions under the ‘Apply Now’ section to submit your TFL application online via the DBS digibank app. Please submit your application by the stipulated submission deadline above. After submitting, the bank will issue you the loan account number.
• Please be informed that you and your guarantor are required to complete the TFL application via DBS digibank.  Otherwise your application will be considered as incomplete.

Important Note:I Digital TFL Application is only applicable to applications with Guarantors who are Singapore Citizens/Permanent Residents and Foreigners who are pass-holders (Residing or working in Singapore). If your Guarantor is neither residing nor working in Singapore please refer to the guide for more information on how to apply for your TFL.

The bank will take approximately 7 working days to process your TFL application and thereafter inform SUSS on the loan account status of your application.

If your application is successful, SUSS will notify you by email on the balance of the course fee amount payable at your end, after receiving confirmation from the bank.  Please note that your TFL application is only confirmed, upon receiving this email from SUSS.

 

Supporting Documents for TFL Application

• Provisional Offer or Final Offer Letter of Admission (for new student)
• SUSS'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.

Enquires

• DBS Bank
  Tel : +65 6333 0033
• Singapore University of Social Sciences
  Tel: +65 6330 9111

 

Frequently Asked Questions (FAQs)

View FAQs on MOE Tuition Fee Loan.

View FAQs on Completing Course and Loan Details at DBS Digibank app.

 

Infographic on MOE Tuition Fee Loan (TFL)

Infographic on MOE Tuition Fee- Loan

Infographic on Student Loan Management Resource Guide

 

** For AY2026 Intake Applicants: Please visit the SUSS website in June 2026 for updates **

The MOE Study Loan (SL) is a means-tested government loan 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 .  It does not cover any other miscellaneous fees.

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

 

Study Loan Application Period

Academic Year	Start Date of Application	Submission Deadline

 

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.

SUSS 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 Type	Tier 1 Study Loan (Waiver of Interest)	Tier 2 Study Loan (With Interest)
Income Criteria	Gross Monthly Household per capita Income* ≤ S$950	Gross Monthly Household per capita Income* > $950 and ≤ $2,700
Maximum Quantum of Loan	Maximum of 20% of tuition fees payable by SC plus annual living allowance loan of $3,600	Maximum of 10% of tuition fees payable by SC plus annual living allowance loan of $3,600

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

 

Guarantor

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

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

 

Repayment

The repayment terms are as follows:

• Repayment of the loan commences not later than 6 months after graduation.
• The minimum amount of repayment is S$100 per month and the maximum repayment periods are:
  • Study loan (waiver of interest): 5 years from of repayment. 
  • Study loan (with interest payment): 20 years from of 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 on such terms and conditions as stipulated by SUSS.

 

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 the Tier 2 Study Loan scheme, interest will commence after the borrower's graduation.

The following interest rates will be applicable to all new Government education loan (i.e. Tuition Fee Loan and Study Loan) agreements signed on and after 1 April 2024.

Standard interest*	3-month compounded Singapore Overnight Rate Average (3M SORA) plus 1.5 percentage points or such other rates as may be determined from time to time by the bank
Late payment interest for overdue and unpaid loans/loan instalment	3M SORA plus 4.5 percentage points or such rate as may be determined from time to time by the bank

* not applicable to interest-free Study Loan

The interest rates will be revised on a half-yearly basis based on the 3M SORA published on the Monetary Authority of Singapore’s (MAS) website on 1 March (for the period 1 April to 30 September) or 1 September (for the period 1 October to 31 March of the following calendar year).  You can visit DBS website for the applicable interest rates on every 1 April and 1 October.

How to Apply (2-Part Process)

(Note: Students must have TFL or a loan with any registered government organization before applying SL)

Part 1 of SL application

• To apply, submit the online SL Application Form and the required supporting documents before the stipulated deadline.
• If your application is successful, you will be notified by SUSS within 7 working days of your TFL approval from DBS bank via email (note: only successful applicants will be notified).

Part 2 of SL application

• Upon receiving the email notification from the University, please note that you and your guarantor are required to upload the SL approval letter (issued by the University) and complete the Study Loan form via DBS digibank.  Otherwise your application will be considered as incomplete.

In the meantime, you may read through this guide to learn more about what you need to prepare in advance for the submission.

• Upon receiving the confirmation of your Study Loan form submission via DBS digibank, SUSS will notify you via email of the balance of the course fee amount payable on your end, i.e., total course fee payable less your Tuition Fee Loan, Study Loan and any other loan to finance the tuition fees.
• DBS will then update SUSS 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.  Please ensure that you have completed both Part 1 and Part 2 of the application.

 

Enquiries

• DBS Bank
  Tel : +65 6333 0033
• Singapore University of Social Sciences
  Tel: +65 6330 9111

 

Frequently Asked Questions (FAQs)

View FAQs on MOE Study Loan.

The Higher Education Bursary (previously known as MOE Bursary) is funded by the Singapore Government and provides financial assistance to Singapore Citizens pursuing their first MOE-subsidised full-time undergraduate programmes at SUSS. This Bursary is awarded based on financial needs.

The application, notification and disbursement periods are as follows:

Academic Year	Application Period *	Notification Period	Disbursement Period
AY 2025	1 to 30 June	End August	End October

 

Value of the Bursary

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

	Tier 1	Tier 2
Income# Eligibility Criteria	GHI $5,501 - $9,000 or PCI $1,376 - $2,250	GHI $9,001 - $12,000 or PCI $2,251 - $3,000
Quantum	S$3,250	$1,350

#Income = gross (i.e., including employee's CPF contribution) income contributions from self- employment, business or salaried employment (which includes basic salary, allowances, overtime pay, bonus, etc.), as well as other sources of income (e.g., rent).

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 Higher Education 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 Higher Education Bursary. However, students must not concurrently hold the Higher Education Community Bursary and the Higher Education Bursary.

 

Terms & Conditions

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

How to Apply (Important Information Starting from the July 2026 Semester)

To apply, you need to submit your e-application by the stipulated closing date.

 

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Starting from the July 2026 semester, all income information required to assess bursary applications will be automatically retrieved from the Government’s Household Means Eligibility System (HOMES). 

Please note the following:

(1) If you and/or your family member(s) have applied for any of the Government schemes listed here in the last 6 months from the point of your bursary application, you will not need to upload any additional supporting documents for your bursary application. 

(2) If you and/or your family member(s) have other sources of assessable income reflected in the latest IRAS’s NOA, please declare this under the eApplication field “Other Sources of Income to Cover Family Expenses” and upload the consent form completed by all household members and NOA under the eApplication field “Other Supporting Documents”. Example of taxable income can be found on the IRAS website under the “Income from other sources” section.

This uploading of consent form and supporting documents is mandatory if you have these other sources of assessable income, even if you have applied for the Government schemes in the last 6 months indicated under (1). 

If you have any questions or need clarification, please contact us at 6330 9111 or [email protected] with details of your situation, and we will assist you.

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If you need to upload any additional supporting documents, please refer to the Supporting Document Checklist.

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

Applicants will be notified of the outcome via email. The decision of MOE and SUSS is final and binding, and no appeal will be entertained.

* You should submit your financial aid application within the application periods. However, if you are in need of financial assistance outside the application periods, you may write to the University, quoting reason(s) and providing supporting documents for your application.

 

Frequently Asked Questions (FAQs)

View FAQs on Higher Education Bursary/ Higher Education Community Bursary.

The Higher Education Community Bursary (previously known as CDC/CCC Bursary) is funded by the Singapore Government and provides financial assistance to Singapore Citizens pursuing their first MOE-subsidised full-time undergraduate programmes at SUSS. This Bursary is awarded based on financial needs.

The application, notification and disbursement periods are as follows:

 

Academic Year	Application Period *	Notification Period	Disbursement Period
AY 2025	1 to 30 June	End August	End October

 

Value of the Bursary

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

	Tier 1	Tier 2
Income# Criteria	GHI ≤ $4,000 or PCI ≤ $1,000	GHI from $4,001 to $5,500 or PCI from $1,001 to $1,375
Quantum	S$6,300	$5,100

#Income = gross (i.e., including employee's CPF contribution) income contributions from self- employment, business or salaried employment (which includes basic salary, allowances, overtime pay, bonus, etc.), as well as other sources of income (e.g., rent).

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 Higher Education Community 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 Higher Education Community Bursary. However, students must not concurrently hold the Higher Education Bursary and the Higher Education Community Bursary.

Terms & Conditions

You are advised to read through the Terms & Conditions for the Higher Education Community Bursary before applying.

 

How to Apply

To apply, you need to submit your e-application by the stipulated closing date.

 

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Starting from the July 2026 semester, all income information required to assess bursary applications will be automatically retrieved from the Government’s Household Means Eligibility System (HOMES).

 

Please note the following:

(1) If you and/or your family member(s) have applied for any of the Government schemes listed here in the last 6 months from the point of your bursary application, you will not need to upload any additional supporting documents for your bursary application. 

(2) If you and/or your family member(s) have other sources of assessable income reflected in the latest IRAS’s NOA, please declare this under the eApplication field “Other Sources of Income to Cover Family Expenses” and upload the consent form completed by all household members and NOA under the eApplication field “Other Supporting Documents”. Example of taxable income can be found on the IRAS website under the “Income from other sources” section.

This uploading of consent form and supporting documents is mandatory if you have these other sources of assessable income, even if you have applied for the Government schemes in the last 6 months indicated under (1). 

If you have any questions or need clarification, please contact us at 6330 9111 or [email protected] with details of your situation, and we will assist you.

---

 

If you need to upload any additional supporting documents, please refer to the Supporting Document Checklist.

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

Applicants will be notified of the outcome via email. The decision of MOE and SUSS is final and binding, and no appeal will be entertained.

* You should submit your financial aid application within the application periods. However, if you are in need of financial assistance outside the application periods, you may write to the University, quoting reason(s) and providing supporting documents for your application.

 

Frequently Asked Questions (FAQs)

View FAQs on Higher Education Bursary/ Higher Education Community Bursary

SUSS Study Awards for Law

The SUSS Study Awards for Law is open to current Bachelor of Laws (LLB) and Juris Doctor (JD) students.

Applicants must be Singapore citizens with financial needs and must achieve at least a cumulative Grade Point Average of 3.5 at point of study award application.

The value of each study award is S$3,000 and will be used to offset against the tuition fees for the semester. It is awarded based on applicant's Gross Monthly Household Per Capital Income (PCI)¹ or Monthly Gross Household Income (GHI)², or evidence of financial difficulties.

¹PCI refers to gross monthly household Per Capita Income (PCI) and is computed based on GHI divided by the number of immediate and non-immediate family members living in the same household.

²GHI 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.

Tenure of Study Awards

Each study award is given only for the semester in which it is awarded, and is used to pay the course fee of that semester. There is no bond attached to the study award.

Terms & Conditions

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

How to Apply

Application period: 1 February – 15 March

To apply, you need to submit your e-application together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed.

Applicants will be notified of the outcome via email by end November. The decision of the Student Awards Committee of SUSS is final and binding, and no reason will be given for the non-selection of unsuccessful candidates. No appeal will be entertained.

 

SUSS Business and Community Circle Study Grants [New] 

The SUSS Business and Community Circle Study Grants are established to support financially disadvantaged students in the Bachelor of Laws and Juris Doctor programmes offered by the Singapore University of Social Sciences (SUSS), who have been awarded the Higher Education Community Bursary/ Higher Education Bursary in the same academic year.

 

Value of Study Award

Each study grant is valued at S$1,000 each and is used to pay the course fee of the awarded semester. There is no bond attached to the study grant.

How to Apply

Application period: 1 February – 15 March

To apply, you need to submit your e-application together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed. For new students, you must be accepted for admission first before submitting your application for the study grant.

Applicants will be notified of the outcome via email by end June. The decision of the Student Awards Committee of SUSS is final and binding, and no reason will be given for the non-selection of unsuccessful candidates. No appeal will be entertained.

 

Choo Swee Tong Study Awards​

The Choo Swee Tong Study Award aims to provide financial assistance to deserving current students in the Bachelor of Laws and Juris Doctor programmes offered by the Singapore University of Social Sciences (SUSS).

Eligibility Criteria

• Completed one year of academic study in the School of Law;
  
• Have a dependent staying in the same household. The term ‘dependent’ shall refer to (i) a child or children below 18 years of age; or (ii) a child or children above 18 years of age who is/are enrolled in an institute of higher learning; and/or (iii) elderly parents who are not in receipt of an income; and
  
• Monthly household income per capita (PCI) does not exceed S$4,300.

Tenure of Study Award

The tenure of this study award is one academic year. There is no bond attached to the study award.

Value of Study Award

Each study award is S$3,750 and will be used within the awarded academic year (2 semesters) to offset the recipient's tuition fees.

Terms & Conditions

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

How to Apply

Application period: 1 February – 15 March

To apply, you need to submit your e-application together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed.

Applicants will be notified of the outcome via email by end June. The decision of the Student Awards Committee of SUSS is final and binding, and no reason will be given for the non-selection of unsuccessful candidates. No appeal will be entertained.

 

Khattar Family Study Award 

This award is made possible through the generosity of Mr Sat Pal Khattar, a distinguished lawyer and businessman. He was the founding partner of Khattar Wong & Partners, one of Singapore’s largest law firms, and is Chairman of Khattar Holdings. Mr Khattar was the first Singaporean to receive the Padma Shri, India’s fourth-highest civilian honour. 

Eligibility Criteria

• Possess impressive academic and co-curricular activities records, strong language skills, and demonstrable leadership qualities;
• Monthly household income per capita (PCI) does not exceed S$4,300; and
• Minimum CGPA of 3.5.

Tenure of Study Award

Value of Study Award

Each study award is S$7,500 and will be disbursed to recipients for the academic year.

Terms & Conditions

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

How to Apply

Application period: 1 February – 15 March

To apply, you need to submit your e-application together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed.

Only successful candidates shall be notified via email by end June. The decision of the Student Awards Committee of SUSS is final and binding, and no reason will be given for the non-selection of unsuccessful candidates. No appeal will be entertained.

 

Masonic Charitable Fund – ABDUL GAFOOR & M A OSMAN Study Award 

The MCF-Abdul Gafoor & M A Osman Study Award aims 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).

Eligibility Criteria

• Singapore citizen with impressive academic and co-curricular activities records, strong language skills, and demonstrable leadership qualities;
  
• Monthly household income per capita (PCI) does not exceed S$4,000.
  

Tenure of Study Award

The tenure of this study award is one academic year. There is no bond attached to the study award.

Value of Study Award

Each study award is S$2,000 and will be disbursed to recipient for the awarded academic year.

Terms & Conditions

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

How to Apply

Application period: 1 February – 15 March

To apply, you need to submit your e-application together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed.

Only successful candidates shall be notified via email by end June. The decision of the Student Awards Committee of SUSS is final and binding, and no reason will be given for the non-selection of unsuccessful candidates. No appeal will be entertained.

 

Masonic Charitable Fund – Sivakumar Murugaiyan Lion of Erin Lodge Study Award​

The MCF-Sivakumar Murugaiyan Lion of Erin Lodge Study Award aims 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).

Eligibility Criteria

• Singapore citizen with impressive academic and co-curricular activities records, strong language skills, and demonstrable leadership qualities;
  
• Monthly household income per capita (PCI) does not exceed S$4,300.
  
• Minimum CGPA of 3.5.

Tenure of Study Award

The tenure of this study award is one academic year. There is no bond attached to the study award.

Value of Study Award

Each study award is S$7,500 and will be used within the awarded academic year (2 semesters) to offset the recipient's tuition fees.

Terms & Conditions

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

How to Apply

Application period: 1 February – 15 March

To apply, you need to submit your e-application together with the supporting documentsby the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed.

Only successful candidates shall be notified via email by end June. The decision of the Student Awards Committee of SUSS is final and binding, and no reason will be given for the non-selection of unsuccessful candidates. No appeal will be entertained.

 

School of Law Resilience Study Award​

The SLAW Resilience Study Award aims to support LAWLLB and LAWJD students who are motivated and committed to serving society and broader communities, especially the less privileged, to create a positive multiplier effect.

Eligibility Criteria

• Possess impressive academic and co-curricular activities records, strong language skills, and demonstrable leadership qualities;
• Monthly household income per capita (PCI) does not exceed S$4,300; and
• Minimum CGPA of 3.5.

Tenure of Study Award

The tenure of this study award is one academic year. There is no bond attached to the study award.

Value of Study Award

Each study award is S$4,500 and will be used within the awarded academic year (2 semesters) to offset the recipient's tuition fees.

Terms & Conditions

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

How to Apply

Application period: 1 February – 15 March

To apply, you need to submit your e-application together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed.

Only successful candidates shall be notified via email by end June. The decision of the Student Awards Committee of SUSS is final and binding, and no reason will be given for the non-selection of unsuccessful candidates. No appeal will be entertained.

 

Justice Choor Singh Study Award

The Justice Choor Singh Study Award aims 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).

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 award quantum will be disbursed to recipients over two years (4 semesters). Selected recipients can re-apply for support for another two years.

Value of Study Award

The value of each study award is capped at S$10,000 each. 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 February – 15 March

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. Applicants will be notified of the outcome via email by end June.

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 Sant Singh Study Award

The Sant Singh Study Award aims 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).

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 award quantum will be disbursed to recipients over two years (4 semesters). Selected recipients can re-apply for support for another two years.

Value of Study Award

The value of each study award is capped at S$10,000 each. 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 February – 15 March

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.  Applicants will be notified of the outcome via email by end June.

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.

Wong Lan Eng Study Award

The Wong Lan Eng Study Award for Law is open to current Bachelor of Laws (LLB) and Juris Doctor (JD) students.

The value of the study award is up to S$7,500 and will be used to offset against the tuition fees in each academic year to students with financial needs.

It is awarded based on applicant's Gross Monthly Household Per Capital Income (PCI)¹ or Monthly Gross Household Income (GHI)², or evidence of financial difficulties. Preference will be given to applicants with a per capita income (PCI) of no more than S$2,500.

¹PCI refers to gross monthly household Per Capita Income (PCI) and is computed based on GHI divided by the number of immediate and non-immediate family members living in the same household.

²GHI 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.

Tenure of Study Awards

The study award is used to pay for the course fee in each academic year. There is no bond attached to the study award.

Terms & Conditions

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

How to Apply

Application period: 1 February - 15 March

To apply, you need to submit your e-application together with the  supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed.

Applicants will be notified of the outcome via email by end June. The decision of the Student Awards Committee of SUSS is final and binding, and no reason will be given for the non-selection of unsuccessful candidates. No appeal will be entertained.

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From July 2026 semester onwards, Singapore Citizen students who apply for Study Grants and Study Awards but did not separately apply for the Higher Education Community Bursary/Higher Education Bursary (HECB/HEB), will automatically be considered for HECB/HEB eligibility assessment. Please refer to the Financial Aid webpage for more information on available financial aid schemes and application periods.

Pay It Forward Award

This award is made possible by Dr Lillyn Teh. Dr Teh is an advocate for education as the cornerstone of shaping future pathways for individuals. Having benefited from her parents' support for her own educational journey, Dr Teh is committed to giving back by expanding access to quality education. With a firm belief that education drives social mobility and economic progress, she champions initiatives that promote meaningful learning, encouraging curiosity, creativity, and critical thinking in the next generation.

The Pay It Forward Award is intended to provide additional financial support to students. The Award, disbursed as cash to recipients, can be provided to cover the following:

(1) out-of-pocket costs incurred for overseas learning trips

(2) purchase of laptops for University -related study purposes or

(3) expenses incurred for the participation in competitive sports, as endorsed by the University.

Recipients are strongly encouraged to contribute to the Fund after graduation. In doing so, the Pay It Forward Award can be continually renewed for the benefit of future cohorts.

 

Pay It Forward - Overseas Learning Trip

Application Period

Semester	Application Period	Notification Period
January	1 February to 28 February	Mid - April
July	1 August to 31 August	Mid - October

 

Eligibility Criteria

• Singapore Citizens
• Monthly household per capita income (PCI) of less than S$3,000
• Achieved cumulative Grade Point Average (CGPA) of 3.0

 

Value of Award

Each award is valued at up to S$1,500 and will be provided in advance via PayNow (NRIC), to help support your overseas learning expenses.

The value of the award will be dependent on the destination of your overseas trip as detailed below:

  i. ASEAN:             S$500
 ii. Asia:                  S$1,000
iii. Worldwide:     S$1,500 

Students who are not selected under the above scheme, will be considered for Overseas Experience Grant (OEG) if they meet the eligibility criteria listed below (no separate application will be required).

1. The value of the award is S$500 
2. Pre-Trip cash disbursement via PayNow (NRIC)
   
   

Eligibility Criteria (Overseas Experience Grant)

• Full-time Undergraduates
• Singapore Citizen or Permanent Resident
• must achieve at least a cumulative Grade Point Average (CGPA) of 2.0 at point of application or consideration for the OEG;
• must have a Monthly Gross Per Capita Income (PCI) not exceeding S$3,000, or Monthly Gross Household Income (GHI) not exceeding S$12,000

Note: Recipients of Pay It Forward Award or the Overseas Experience Grant cannot claim under PSEA for the same programme.

Overseas trip supporting documents are to be submitted under ‘other supporting documents’ section during application. Please refer to the Terms and Conditions for more information.

For clarification on overseas programme documents, please write to Global Learning team at [email protected].

 

Terms & Conditions

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

How to Apply

To apply, please submit your e-application together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed.

 

 

Pay It Forward - Competitive Sports Award

Application period

Semester	Application Period
January	1 February to 28 February
July	1 August to 31 August

 

Eligibility Criteria

• Singapore Citizens
• Monthly household per capita income (PCI) of less than S$3,000
• Achieved cumulative Grade Point Average (CGPA) of 3.0

 

Value of Award

Each award is valued up to S$1,500 and will be disbursed in advance via PayNow (NRIC). The value of the award will be dependent on the destination of your overseas trip as detailed below:

  i. ASEAN:             S$500
 ii. Asia:                  S$1,000
iii. Worldwide:     S$1,500 

 

Terms & Conditions

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

 

How to Apply

Shortlisted students will be notified via email of their eligibility to apply for the Pay It Forward – Competitive Sports Award. For any enquiries related to the Pay-It-Forward Competition award, please email the Office of Student Life at [email protected] .

 

SUSS Tech Grant

The SUSS Tech Grant is designed to provide financial assistance to SUSS students for the purchase of technology-related items essential for their academic needs. These items include technological devices, such as laptops, tablets, and any other technology-related devices or software deemed eligible by SUSS.

Note: Software programmes like Microsoft Office, Adobe, SPSS, etc., are not covered under this grant.

Eligibility Criteria

• Open to full-time and part-time undergraduate students who are Singapore Citizens (SC) or Permanent Residents (PR).
• A maximum of 20 grants will be awarded per semester.
• Students must meet the income criterion: Monthly Household Per Capita Income (PCI) ≤ S$1,000.
• Students who meet the eligibility criteria may contact Student Life at [email protected] during the application period.
• Students who do not meet the income criterion and have a CGPA of 3.0 and above may apply for the Pay It Forward (Laptop Assistance Scheme).

Grant Details

• Reimbursement Amount: Up to S$1,000
• Each student is eligible to receive the grant only once during their candidature.

Application Periods and Notification Dates

Academic Semester	Application Period	Notification Period
January	1 February to 28 February	End March
July	1 August to 31 August	End September

Important Notes

• Review the full Terms and Conditions before applying.
• Ensure all required details and supporting documents are included in your application. Late or incomplete applications will not be processed.
  

 

Pay It Forward - Laptop Assistance Scheme

Application period

Semester	Application Period
January	1 February to 28 February
July	1 August to 31 August

 

Eligibility Criteria

• Singapore Citizens
• Monthly household per capita income (PCI) of less than S$3,000
• Achieved cumulative Grade Point Average (CGPA) of 3.0

 

During application, the following documents must be submitted under the ‘other supporting documents’ section.

1. Model and Pricing: Provide the model and exact pricing of the laptop (e.g., screenshot from an online store, brochure, etc.). Prices must be quoted in SGD.
2. Receipt Submission: The receipt of purchase must be submitted within 1 month from the cash disbursement date to [email protected]
   

• The receipt must show the date of purchase, which should not be earlier than the application period of the award.
• The receipt must clearly state the amount paid and the model of the laptop.

**If the actual cost of the laptop is less than the disbursed amount, you may be required to return the difference in cost to the University.

 

Value of Award

Each award is valued at up to S$1,000 and will be disbursed in advance via PayNow (NRIC), to help support the purchase of a laptop.

 

Terms & Conditions

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

 

How to Apply

To apply, please submit your e-application together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed.

If you are not eligible for the Pay It Forward Award-Laptop Assistance Scheme, you may wish to explore the SUSS Tech Grant, a one-time support of up to S$1,000 for technology-related items essential for your academic needs, subject to eligibility criteria and available quota.

 

 

 

Learning Exploration Award

The Learning Exploration Award supports students in pursuing overseas experiential opportunities. These may include presenting their papers at international conferences or participating in overseas learning journeys related to their programme of study. Examples include Bachelor of Science in Psychology students presenting their research at an international conference or embarking on an overseas learning journey related to safety and security.

 

Eligibility Criteria

• Singapore Citizens and Permanent Residents
• Open to undergraduates from School of Humanities and Behavioural Sciences (SHBS)
• Monthly household per capita income (PCI) of less than S$3,000

Value of Award

Award is given as pre-trip cash disbursement.

The value of the Award will be dependent on the destination of the overseas trip as seen below:

  i. ASEAN:             S$500
 ii. Asia:                  S$1,000
iii. Worldwide:     S$1,500 

 

Note:

ASEAN: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, the Philippines, Singapore, Thailand, Timor-Leste, and Vietnam

ASIA: ASEAN, Australia, Bangladesh, Bhutan, China (incl. Hong Kong and Macau), East Timor, Fiji, India, Japan, Maldives, Mongolia, Nepal, New Zealand, Papau New Guinea, South Korea, Sri Lanka, Taiwan.

Worldwide: All of the world

 

How to Apply

Shortlisted students will be notified via email of their eligibility to apply for the Learning Exploration Award. 

 

The SLAW Student Support Fund is designed to offer financial assistance to students from the School of Law, aiming to defray the cost of course materials and/or assist with the tuition fees. This fund is managed by the School of Law and any queries should be sent to [email protected]. 

Eligibility

• Current Bachelor of Laws (LLB) and Juris Doctor (JD) students and achieve a minimum cumulative Grade Point Average of 3.5 at point of application.
  

• Satisfy the financial eligibility requirements:
  • has a monthly household income per capita of no more than $4,300
  • shows evidence of financial difficulties
• Is an individual who, in the opinion of the Committee, is likely to practice in the areas of Family or Criminal Law; and
  

• Shows evidence of participation in community work or service to the school over the last one year immediately preceding the date of the application.

Value of the Grant

Not exceeding $1,500/candidate per year.

Terms & Conditions

You are advised to read the Terms and Conditions before applying.

How to Apply

Application for SLAW Student Support Fund is open from August to 31 December 2025.  To apply, please complete the SLAW Fund application form and submit them together with supporting documents to [email protected].

The Committee may, at its sole discretion, choose to waive any of the above requirements.

The SUSS Student Care Fund aims to provide contingency financial grant for students facing sudden or immediate financial hardship, arising from unexpected family and life situations. The fund is made possible through the generosity of a group of donors. By alleviating financial stress, it enables students to focus on their academic journey and personal development.

Eligibility

• Current SUSS undergraduate and graduate students
• Requires assistance with living expenses due to sudden occurrence of any of the following by the main income contributor and/or co-contributor:

Situation	Supporting documents
Retrenchment / Involuntary no pay leave / Dismissal / Lay off	Company’s letter or email to prove that main contributor and/or co-contributor is/are affected by retrenchment, involuntary no pay leave, dismissal or lay off
Demise	Death certificate
Debilitating health issues	Medical documents (e.g. official medical bills, appointment letters etc.)
Incidents which affect main and/or co-contributor’s ability to provide income and/or sudden increase in essential living expenses	Documents detailing incidents which affect main and/or co-contributor’s ability to provide income and/or sudden increase in essential living expenses
Other hardship circumstances to be assessed on a case-by-case basis	Other documents on hardship circumstances as deemed relevant

Value of the Grant

The value of the grant for each eligible recipient is $1,000 which will be given as outright cash via PayNow (NRIC). 

Terms & Conditions

You are advised to read the Terms and Conditions before applying.

How to Apply

Application for SUSS Student Care Fund is open all year round.  To apply, please click here to submit your online application with supporting documents. Applications without supporting documents would be considered incomplete and will not be processed.

Applicants will be notified of the outcome via email within 2 weeks of your application.

Please note that applications received after 15 December of each Academic Year will be considered for the following January semester. For example, for applications received after 15 December 2026, they will be considered for January 2027 semester. 

The University reserves the right to amend the terms and conditions for the grant or to terminate this financial aid at its sole discretion without prior notice.

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.

PSEA Balance

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 contact MOE at www.moe.gov.sg/contact.

How to Apply?

For ongoing withdrawal of PSEA fund to pay for tuition fees and miscellaneous fees

• Using your own account only, your own and sibling’s/siblings’ accounts OR solely your sibling’s/siblings’ accounts: submit a Standing Order (SO) Form¹here.

You can refer to this guide on how to submit the online application.

For one-time withdrawal of PSEA fund to pay tuition fees and/or miscellaneous fees or enrichment programme fees that are approved and endorsed by the University

• Using your own account only, your own and sibling’s/siblings’ OR solely your sibling’s/siblings’: submit an Ad-Hoc Form²here. You will need to submit a new form if you wish to pay the fees in the subsequent semesters.

You can refer to this guide on how to submit the online application.

^{1 & 2} You will need to log in using your SingPass account for the online PSEA application. Students below 21 years old will require parents to log in on their behalf

Application Period

Please submit the application by the stipulated deadline.

Application Type	New Students	Current Students
Standing Order	AY2025 Intake: 2 June 2025 to 3 August 2025	AY2024 Intake and earlier July 2025 semester:  2 June 2025 to 3 August 2025
Adhoc Withdrawal	AY2025 Intake: 2 June to 7 July 2025	AY2024 Intake and earlier July 2025 semester 2 June to 7 July 2025

 

Termination Request

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).

For termination of SO, please submit your SO Termination Form to MOE online.

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$9,500 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$95,000 for the LLB or S$76,000 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$3,300 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 household

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: 1 February to 15 March

To apply, you need to submit your e-application together with the supporting documents by the stipulated closing date. Applications without supporting documents will be deemed as incomplete and will not be processed. Applicants will be notified of the outcome via email by end June.

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

In support of Singapore's continued focus in encouraging marriage and parenthood, all part-time adult students will qualify for two free courses when they get married or have children during their programme of study.

Eligibility

• They must be a Singapore Citizen or Singapore Permanent Resident
• They must have registered their marriage on or after the implementation date of the scheme, which is 23 July 2018 and during their programme of study
• Their child/children must be born/adopted on or after the implementation date of the scheme, which is 23 July 2018 and during their programme of study

Both husband and wife are eligible for the scheme individually, if they are both students of SUSS.

Download Application Form

Terms & Conditions

You are advised to read the Terms and Conditions before applying for the Marriage and Baby Bonus Scheme.

Frequently Asked Questions (FAQs)

View FAQs on Marriage and Baby Bonus Scheme