Financial Aid for Part-time Undergraduate Students

The Higher Education Bursary (previously known as MOE Bursary) is funded by the Singapore Government and provides financial assistance to needy Singapore Citizens pursuing their first MOE-subsidised undergraduate programmes at Singapore University of Social Sciences (SUSS). Monetary in nature, they are awarded based on financial needs.

The application, notification and disbursement periods are as follows:

Academic Year	Application Period *	Notification Period	Disbursement Period
July Semester	1 February to 15 March	End May	End September
January Semester	1 August to 15 September	End November	End February

Bursary Schemes	Tier1	Tier 2	Tier 3
Income^# Eligibility Criteria	GHI of $4,400 and below or PCI of $1,100 and below	GHI between $4,401 and $7,500 or PCI between $1,101 and $1,875	GHI between $7,501 and $10,000 or PCI between $1,876 and $2,250
Bursary Quanta (per semester)	$1250	$800	$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).

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

To apply, you need to submit your e-application together with the supporting documents by one of the stipulated closing dates. Applications without the full set of required supporting documents will be deemed as incomplete and will not be processed. For details, please refer to the Supporting Document Checklist.

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

Only successful candidates shall be notified 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.

View FAQs on Higher Education Bursary.

January Semester: 1 August to 15 September
July Semester: 1 February to 15 March

Only successful candidates shall be notified via email by end November for the January Semester, and by end May for the July Semester. 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.

The Chou Sing Chu Foundation is providing study awards valued at S$1,000 each to deserving undergraduates in the Bachelor of Early Childhood and Chinese Language programme.

To be eligible for the study award, students must meet the following requirements:

Possess good academic standing of at last a CGPA of 3.0
Preference will be given to students with financial need; monthly household per capita income below $2,250

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

To encourage working adults and professionals to upgrade their skills and competence in Translation and Interpretation, Cortina Watch Pte Ltd is providing study awards valued at S$1,000 each to deserving undergraduates in the BA Translation and Interpretation programme. Preference will be given to students who do not enjoy MOE subsidies.

Terms & Conditions

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

The Elizabeth and Anthony Prakasam Trust, together with SUSS, is providing study awards valued at S$2,000 each to deserving undergraduates with financial needs.

Students have to attain a minimum CGPA of 2.5. Deserving students that do not meet the CGPA requirements may still be considered

Terms & Conditions

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

The Lee Foundation is providing study awards valued at $1,000 each to deserving part-time undergraduates with a monthly household Per Capita Income (PCI) of less than S$1,750.

The awards are open to students with good academic records (new students), or have made satisfactory progress towards complete of his/her academic programme (for existing students).

Terms & Conditions

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

The Octava Foundation Limited is providing study awards, valued at S$8,000 each (total amount for 4 academic years) to eligible youths who are pursuing part-time undergraduate programmes at SUSS.

To be eligible for the study award, student must meet the following requirements:

Hold an ITE qualification
Current part-time undergraduates who are in their 1st semester of studies, or prospective students who will be enrolling in a part-time undergraduate programme at SUSS
Preference given to applicants with a per capita income of no more than S$1,000
Award recipient must commit to complete his/her undergraduate programme within 4 years and maintain a CGPA of at least 2.5

Terms & Conditions

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

The S R Nathan Education Upliftment Fund, together with SUSS, is providing study grants valued at S$500 each to eligible new and existing students with an Institute of Technical Education (ITE) qualification and financial needs.

To be eligible for the grant, students must meet the following criteria:

ITE Graduate and completed full-time education at ITE
Monthly household per capita income (PCI) must not exceed S$2,250

Terms & Conditions

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

This is a premier scheme aimed at providing high calibre students the opportunity to develop their full potential.

To be eligible for the grant, students must meet the following criteria:

Singapore Citizens who are new applicants enrolling for the academic year 2022 and 2023 (current students may be considered on a case-to-case basis)
Pursuing the Counselling, Psychology or Social Work undergraduate programme
Priority will be given to applicants who are mid-career switchers, in the mental health sector seeking to upgrade themselves, and/or have leadership, volunteering and community service experience.
Only for students receiving Government Subsidy for their programme at SUSS

Each study award is awarded for the recipient's remaining candidature of study. There is no bond attached to the study award.

The value of the study award covers 100% (inclusive of government subsidy) of the total course fee. The award amount will be nett of the MOE Higher Education Bursary (HEB), for students who have been awarded both the HEB and this study award.

Terms & Conditions

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

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

The Singapore University of Social Sciences (SUSS) is committed to providing a quality education for all our students and to ensure that no deserving student is denied admission because of financial difficulty by offering a variety of study grants. The study grants are open to students with good academic records (for new students), or have made satisfactory progress towards completion of his/her academic programme (for existing students).

The study grants are not available for students applying to the Law programmes.

SUSS Study Grants
The SUSS Study Grants provide financial assistance to needy students studying at the University. The study grants are given only for undergraduate programmes. Monetary in nature, they are awarded based on financial needs.
SUSS Alumni Fund
The SUSS Alumni Fund aims to uplift undergraduates by financially supporting them through their education journey with SUSS. The Fund supports the following Study Grants:
- CHK Study Grant
- Clifton and Mildred Tan Study Grant
- Eu Capital Study Grant
- Hazizah and Mas'ud Study Grant
- HK and AT Cheong Study Grant
- Lily Too Ah Wah Study Grant (Only for Malaysians)
- Nam Leong Co (Pte) Ltd Study Grant
- Ng Cheng Pheng Study Grant (Only for Malaysians)
- Robbie and Mervlyn Study Grant

Chan Lai Yee & Chan Ching Yee Study Grants
The Chan Lai Yee & Chan Ching Yee Endowment Fund, together with SUSS, is providing study grants to deserving undergraduates with financial needs from the Counselling, Early Childhood and Social Work programmes.
Chan Yat Fai Study Grants
Dr Esther Tan is providing study grants to deserving undergraduates with financial needs in the Bachelor of Counselling programme.
Choo-Lim Study Grant
The Choo-Lim Foundation is providing study grants to deserving undergraduates with financial needs from the School of Science and Technology.
Dhinakaran – SUSS Bursary in Tamil Studies
The Dhinakaran Education Fund together with SUSS, is providing study grants valued at S$1,250 to deserving undergraduates with financial needs from the BA Tamil Language and Literature, and BA Tamil Language with Minor programmes.
JCS-Echigo Study Grants
The JCS-Echigo is providing study grants to deserving undergraduates with financial needs from the School of Science and Technology, Built Environment cluster (I.e., Building & Project Management, Events Management, Facilities Management and Human Factors in Safety).
Kewalram Chanrai Group Study Grants
The Kewalram Chanrai Group together with SUSS, is providing study grants to deserving female undergraduates with financial needs from the S R Nathan School of Human Development.
Light of Wisdom Study Grants
Under the Light of Wisdom Fund*, study grants will be provided to deserving undergraduates (Singapore Citizens or Permanent Residents) with financial needs. Recipients must have a monthly household per capita income (PCI) of less than $1,000.
*The aspiration of the Light of Wisdom Fund is for beneficiaries to cultivate Compassion, Loving-Kindness and Wisdom in self and others for the benefit of all Sentient Beings.
Masonic Charitable Fund - Baey Lian Peck Study Grants
The Masonic Charitable Fund and Family of the late Baey Lian Peck is providing study grants to deserving undergraduates with financial needs.
Masonic Charitable Fund - R Rawlings Horsburgh Lodge Study Grants
The Masonic Charitable Fund, Mr Robin Rawlings, and Horsburgh Lodge is providing study grants to deserving undergraduates with financial needs.
Mapletree - SUSS Study Grants
Mapletree Investments Pte Ltd together with SUSS, is providing study grants to deserving undergraduates with financial needs.
Mrs Wong-Mah Jia Lan Bursary
Mrs Wong-Mah Jia Lan is providing study grants to deserving students with financial needs in the part-time undergraduate programmes.
Ms Yuan Yuan Study Grant
Meitoto Pte Ltd. is providing study grants to deserving undergraduates with financial needs.
Ng Liew Peng Study Grants
The Ng Liew Peng Study Grants Fund is providing study grants to deserving undergraduates with financial needs in the Bachelor of Accountancy programme.
Patrick H M Loh Study Grants
Professor Patrick H M Loh is providing study grants to deserving undergraduates with financial needs.
Prof Ng EJ Study Grants
Professor Ng EJ is providing study grants to deserving undergraduates with financial needs in the Bachelor of Accountancy programme.
Sim Foundation Study Grant
The Sim Foundation is providing study grant valued at S$1,000 to deserving undergraduates with financial needs in the Bachelor of Social Work programme with financial needs.
Teo Hock Chuan & Tan Suat Hoon Study Grant
The Teo Hock Chuan & Tan Suat Hoon Study Grant Endowed Fund is providing study grants to deserving undergraduate students with financial needs. Recipients must possess good academic records and have a per capita income (PCI) of less than $1,000. To qualify, students must have taken an Eldercare elective (i.e. SWK358 Eldercare), and preferably working in an eldercare sector charity organisation.
Tower Transit Study Grants
Tower Transit Singapore Pte Ltd is providing study grants to deserving undergraduate students with financial needs. Recipients must possess good academic records and have a per capita income (PCI) of less than $2,250. Special consideration will be given for professionals working in the transport sector (Rail, Bus, Taxi), or children of transport professionals.
Tun Tan Cheng Lock Bursary in Malay Studies
The Tun Tan Cheng Lock Endowment Fund is providing study grants valued at S$1,250 to deserving BA Malay Language and Literature undergraduates with financial needs.
Vincent & Jeanne Chua Study Grants
The Vincent and Jeanne Chua Endowment Fund is providing study grants valued at S$500 each for undergraduates with financial needs.
Yangzheng Foundation Study Grant
The Yangzheng Foundation together with SUSS, is providing study grants to deserving undergraduates with financial needs.

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

Each study grant is worth S$500, unless stated otherwise.

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

Study grant application period:
January Semester: 1 August to 15 September
July Semester: 1 February to 15 March

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

Candidates will be shortlisted via SUSS Study Grant applications i.e. please select the option for “SUSS Study Grant” when you log in to the online application form. Only successful candidates shall be notified via email by end November for the January Semester, and by end May for the July Semester. 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.

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 (SUSS) has appointed DBS Bank Ltd as the agent to administer the TFL Scheme.

Deadlines for TFL Application

Semester	Start Date of Application	Submission Deadline
July Semester	1 March	22 June
January Semester	1 September	7 December

Eligibility

The TFL is available to subsidised Singapore Citizens pursuing MOE-subsidised undergraduate programmes at the University.

The following categories of students are not eligible for TFL:

Students receiving Government/Statutory Board/the Singapore University of Social Sciences scholarships which cover 100% tuition fees
Students receiving Mendaki Study Loan Part Time Scheme (Degree) which covers 100% tuition fees
Students who are taking non-undergraduate programmes
Students who are not receiving MOE fee subsidy for their undergraduate programmes
Students who are not Singapore Citizens, i.e. Permanent Residents or Other Residents

Loan Quantum

The TFL covers up to 90% of the subsidised tuition fee payable. 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.

Guarantor

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

A Singapore Citizen
Between 21 and 60 years
Not a bankrupt

Repayment

The repayment terms are as follows:

Repayment of the loan can be 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 $100 per month and the maximum repayment period is 20 years.
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

Interest on TFL will start accruing on the first (1st) day of the third (3rd) month following the borrower's graduation. 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.

How to Apply

Download TFL Application Form and blank Letter of Offer.
Bring the completed TFL application form, blank Letter of Offer and required supporting documents to the branch below* by the application deadline.

DBS Raffles Place Branch
22 Malacca St #01-00 RB Capital Building
Singapore 048980

Operating hours:
• Mondays to Fridays: 8:30am to 4:30pm
• Saturdays: 8:30am to 1pm
• Excluding Sundays and Public Holidays

*The centralisation of location is part of DBS’s plans to create dedicated resources for matters related to Tuition Fee Loan, in order to better assist students in making these applications.

Both you and your guarantor must be present together at the bank for the TFL application.
If you are 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 approximately 14 working days 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)
Provisional Offer or Final Offer Letter of Admission (for new student) or 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.

Enquiries

DBS Bank
Tel : +65 6333 0033
Singapore University of Social Sciences
Tel: +65 6248 9777 (Prospective students)
Tel: +65 6248 9111 (Current students)

Frequently Asked Questions (FAQs)

View FAQs on MOE Tuition Fee Loan.

The 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 (SUSS) has appointed DBS Bank Ltd as the agent to administer the SL Scheme.

Deadline for SL Application

Semester	Start Date of Application	Submission Deadline
July Semester	1 March	22 June
January Semester	1 September	7 December

Eligibility

The SL is available to subsidised Singapore Citizens pursuing MOE-subsidised undergraduate degree programmes at the University, who have applied for the TFL or a loan with any registered government organisation.

The students must also meet the income criteria of gross monthly household per capita income of S$2,700 or below.

Loan Quantum

The loan quantum available is based on 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* > S$950 and ≤ S$2,700
Maximum Quantum of Loan	Maximum of 20% of subsidised tuition fees payable	Maximum of 10% of subsidised tuition fees payable

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

A Singapore Citizen
Between 21 and 60 years
Not a bankrupt

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 $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

To apply, submit the online SL Application Form and the required supporting documents before the stipulated deadlines.
If your application is successful, you will be notified by the University within 14 working days on the outcome of the application 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's Administration Office in person before the date indicated in the email notification.
Upon signing the Study Loan Agreement, the University will notify you via email 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 subsidised 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.

Enquiries

DBS Bank
Tel : +65 6333 0033
Singapore University of Social Sciences
Tel: +65 6248 9777 (Prospective students)
Tel: +65 6248 9111 (Current students)

Frequently Asked Questions (FAQs)

View FAQs on MOE Study Loan.

The following organisations offer study loan. You may contact them directly to apply for such facilities:

Maybank
Tel: 1800 629 2265
Website: www.maybank2u.com.sg
OCBC
Tel: +65 6319 9753
Website: www.ocbc.com.sg
POSB
Tel: +65 6333 0033
Website: www.posb.com.sg

When you charge above S$500 to your OCBC Visa/MasterCard, you can enjoy interest-free instalments of 6 or 12 months. Terms and conditions apply.

The interest-free instalment plan is only available for the over-the-counter payment. It is NOT available for ePayment.

For more information, please call:

OCBC
Tel: 1800 3633 333
Website: www.ocbc.com.sg

The following programmes offered by the S R Nathan School of Human Development are supported under the VWOs-Charities Capability Fund (VCF) Local Training Grant:

VWO staff who are eligible for the government subsidy will still receive the 30% VCF funding of the subsidised course fee if they fulfil the following criteria:

Applicant must be a full-time staff with National Council of Social Service (NCSS) member Voluntary Welfare Organisations (VWO)
He/She must be a Singapore Citizen or Permanent Resident. Staff on Employment Pass and Work Permit are not eligible to apply
Applicant has to sign a bond to work in his current VWO during the duration of the studies, and is required to work for another year in his current VWO after completion of the studies

Applicants who are interested to apply for the VCF Local Training Grant have to apply online via NCSS website. For further queries, please contact the NCSS.

The Yellow Ribbon Fund STAR (Skills Training Assistance to Restart) Bursary is targeted at low-income ex-offenders who are keen to pursue a tertiary education. It provides financial support by funding its beneficiaries' tuition fees. Since 2010, the Bursary has allowed its beneficiaries to build viable futures for themselves and their families through skills upgrading, which enhances employability and encourages self-sufficiency.

Click here for more information.

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

MOE has introduced online application for use of PSEA Ad Hoc Withdrawal.

For student using his/her own PSEA account, click here to submit Ad Hoc Withdrawal Form via FormSG using SingPass.
(Student below 21 years old at the point of submission, a parent/legal guardian is required to submit the online application on your behalf.)

For student using his/her siblings’ PSEA, click here to download Ad Hoc Withdrawal Form and email the completed form to admissions@suss.edu.sg.

Guide to applying PSEA Ad Hoc Withdrawal Online Application can be found here.

View FAQs on PSEA

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.

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

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

View FAQs on Marriage and Baby Bonus Scheme.

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.

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:
- Retrenchment
- Involuntary no pay leave
- Dismissal / Lay off
- Demise
- Debilitating health issues
- 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

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

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

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.

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.