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.

Value of Higher Education Bursary

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

Terms & Conditions

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

How to Apply

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. The application periods, notification and disbursement dates are as follows:

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.

Frequently Asked Questions (FAQs)

View FAQs on Higher Education Bursary.

Chou Sing Chu Foundation Study Awards 周星衢基金学习奖

The Chou Sing Chu Foundation is sponsoring 5 study awards at S$1,000 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.

Cortina Watch Study Awards in Translation Studies

To encourage working adults and professionals to upgrade their skills and competence in Translation and Interpretation, Cortina Watch Pte Ltd is sponsoring 2 study awards at S$1,000 each semester for 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.

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.

Lee Foundation Study Awards

The Lee Foundation is supporting up to 75 study awards each semester to deserving part-time undergraduates with a monthly household Per Capita Income (PCI) of less than S$1,750.

The awards are valued at S$1,000 each and 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.

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. You may view the e-guide before you apply for the study grant.

Application Period

January Semester: 1 August to 30 September
July Semester: 1 February to 31 March

Only successful candidates shall be notified via email by end November for the January Semester, and by 15 June 2020 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 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.

• CA-Practice Study Grants

  CA-Practice is supporting 2 study grants each semester to deserving undergraduates in the Bachelor of Accountancy programme with financial needs. The 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).

• Chan Lai Yee & Chan Ching Yee Study Grants

  The Chan Lai Yee & Chan Ching Yee Endowment Fund, together with SUSS, is supporting 10 study grants each semester to deserving undergraduates with financial needs from the Counselling, Early Childhood and Social Work programmes. The study grants 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).

• Choo-Lim Study Grant

  The Choo-Lim Foundation is supporting 3 study grants for each semester for deserving undergraduates with financial needs from the School of Science and Technology. The 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).

• Dhinakaran – SUSS Bursary in Tamil Studies

  The Dhinakaran Education Fund together with SUSS, is supporting 4 study grants at S$1,250 each semester to deserving undergraduates with financial needs from the BA Tamil Language and Literature, and BA Tamil Language with Minor programmes. The grants 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).

• Kewalram Chanrai Group Study Grants

  The Kewalram Chanrai Group together with SUSS, is supporting up to 30 study grants for each semester for deserving female undergraduates with financial needs from the S R Nathan School of Human Development. The 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).

• Mapletree - SUSS Study Grants

  Mapletree Investments Pte Ltd together with SUSS, is supporting 60 study grants for each semester for deserving undergraduates with financial needs. The 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).

• Mrs Wong-Mah Jia Lan Bursary

  Mrs Wong-Mah Jia Lan is supporting 10 study grants each semester to deserving students in the part-time undergraduate programmes with financial needs. The 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).

• Patrick H M Loh Study Grants

  Professor Patrick H M Loh is supporting 5 study grants each semester for deserving undergraduates with financial needs. The 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).

• Prof Ng EJ Study Grants

  Professor Ng EJ is supporting 4 study grants each semester to deserving undergraduates in the Bachelor of Accountancy programme with financial needs. The 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).

• RSM | Stone Forest Study Grants

  RSM Chio Lim LLP is supporting 2 study grants each semester to deserving undergraduates in the Bachelor of Accountancy programme with financial needs. The 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).

• Sim Foundation Study Grant

  The Sim Foundation is supporting 1 study grant at S$1,000 each semester to deserving undergraduates in the Bachelor of Social Work programme with financial needs. The 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).

• Tower Transit Study Grants

  Tower Transit Singapore Pte Ltd is supporting 2 study grants each semester 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 supporting 2 study grants at S$1,250 each semester to deserving BA Malay Language and Literature undergraduates with financial needs. The 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).

• Vincent & Jeanne Chua Study Grants

  The Vincent and Jeanne Chua Endowment Fund is supporting 6 study grants at S$500 each for undergraduates with financial needs. The 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).

• Yangzheng Foundation Study Grant

  The Yangzheng Foundation together with SUSS, is supporting up to 2 study grants each semester to deserving undergraduates with financial needs. The grants 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).

Tenure of Study Grants

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

Value of Study Grants

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

Terms & Conditions

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

How to Apply

Study grant application period:
January Semester: 1 August to 30 September
July Semester: 1 February to 31 March

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. You may view the e-guide before you apply for the study grant.

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

Only successful candidates shall be notified via email by end November for the January Semester, and by 15 June 2020 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.

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 any of the DBS branches by the application deadline. 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.

Deadlines for TFL Application

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.

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):

* 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.

Deadline for SL Application

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: info.maybank2u.com.sg
  
  
• POSB
  Tel: +65 6333 0033
  Website: www.posb.com.sg
  
  
• RHB Bank Berhad
  Tel: 1800 323 0100 or +65 6225 3111
  Website: www.rhbbank.com.sg

When you charge above S$500 to your Citibank or 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:

• Citibank
  Tel: +65 6225 5225
  Website: www.citibank.com.sg
  
  
• 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:

• Bachelor of Counselling
• Master of Counselling
• Bachelor of Social Work
• Graduate Diploma/Master of Social Work
• Master of Gerontology

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.

For more information, please visit www.yellowribbon.org.sg/yellow-ribbon-fund.

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. The new online submission system via FormSG will be available from mid-June 2020 and requires SingPass to use the service.

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.

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.

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.

Eligibility

• Current SUSS undergraduate and graduate students
• Evidence of inability to pay tuition fee and/or difficulty in coping with living/study expenses
• Gross Monthly Household Income (GHI) of S$2,750 or lower, or Per Capital Income (PCI) of S$690 or lower

Priority will be given to student who is the family's sole breadwinner or whose financial circumstance is disrupted due to loss of income. Other hardship circumstance would be assessed on a case-by-case basis.

Value of the Grant

Up to S$1,000 per disbursement which may be given as outright cash and/or an amount to offset against the tuition fee. There is no bond attached and recipient is not required to repay the grant.

Terms & Conditions

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

How to Apply

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.