Financial Aid

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

The 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 MOE Bursary

Bursary Schemes​Tie​ 1Tier 2
​In​come# Eligibility CriteriaGHI of $6,900 and below or
PCI of $1,725 and below
​GHI between $6,901 and $9,000 or PCI between $1,726 and $2,250
Bursary Quanta (per semester)​$675$350

#Income = gross (i.e., including employee's CPF contribution) income contributions from self-employment, business or salaried employment (which includes basis salary, allowances, over 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 MOE 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:

Academic YearApplication PeriodNotification DateDisbursement Date
July Semester1 February to 31 MarchEnd May​End August
January Semester1 August to 30 SeptemberEnd NovemberEnd February

 

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

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

Frequently Asked Questions (FAQs)

View FAQs on MOE Bursary.

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 for the July 2019 semester for deserving undergraduates in the Translation and Interpretation programmes.

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

New Students

  • Good academic records

Existing Students

  • completed a minimum of 20 credit units, with at least 20 credit units to complete before graduation, and
  • a CGPA of 3.0 and above

Shortlisted candidates may be required to attend an interview to assess his/her suitability for the award.

Terms & Conditions

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

How to Apply

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 end May for the July Semester. 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 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.

  • Mapletree - SUSS Study Grants

    Mapletree Investments Pte Ltd together with SUSS, is sponsoring sixty (60) study grants for the July 2019 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).

  • Dhinakaran – SUSS Bursary in Tamil Studies

    The Dhinakaran Education Fund together with SUSS, is sponsoring four (4) study grants at S$1,250 each for the July 2019 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).

  • Yangzheng Foundation Study Grant

    The Yangzheng Foundation together with SUSS, is sponsoring three (3) study grants for the July 2019 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).

  • Chan Lai Yee & Chan Ching Yee Study Grants

    The Chan Lai Yee & Chan Ching Yee Endowment Fund, together with SUSS, is sponsoring ten (10) study grants for the July 2019 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).

  • Patrick H M Loh Study Grants

    Adjunct Professor Patrick H M Loh is sponsoring five (5) study grants for the July 2019 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).

  • CA-Practice Study Grants

    CA-Practice is sponsoring two (2) study grants for the July 2019 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 sponsoring two (2) study grants for the July 2019 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).

  • Tun Tan Cheng Lock Bursary in Malay Studies

    The Tun Tan Cheng Lock Endowment Fund is sponsoring two (2) study grants at S$1,250 each for the July 2019 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).


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 end May for the July Semester. 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 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 would 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

SemesterStart Date of ApplicationSubmission Deadline
July Semester
1 March31 May
January Semester1 September30 November

 

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):

Loan TypeTier 1 Study Loan
(waiver of interest)
Tier 2 Study Loan
(with interest)
Income CriteriaGross Monthly Household Per Capita Income* ≤ S$950Gross Monthly Household Per Capita Income* > S$950 and ≤ S$2,700
Maximum Quantum of LoanMaximum of 20% of subsidised tuition fees payableMaximum 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 would 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

​​SemesterStart Date of ApplicationSubmission Deadline
July Semester 1 March31 May
January Semester1 September30 November

 

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:

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. For more information, please call:

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.

YellowRibbonThe 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.

Download PSEA form

View FAQs on PSEA.

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Financial Aid

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