MOE Tuition Grant

MOE offers the tuition grant to help subsidise approximately 55% to 80% of your total tuition fee in NUS. The remaining fee payable ranges from about $7,000 to $32,000 per annum, depending on your nationality and course of study. While there is no repayment required for the tuition grant, non-Singapore citizens in receipt of it will be required to undertake a service bond by working for a Singapore-registered company for three years upon completion of their undergraduate degrees so as to discharge some of their obligations to the Singapore public for the high subsidy to their university education. For more information on the MOE Tuition Grant, please visit the Registrars Ofce website at: http://www.nus.edu.sg/registrar/edu/UG/fees.html

NUS FInAnCIAL AID SCHEMEs

A. Externally Administered Schemes
SCHEME
Tuition Fee Loan1,3 (TFL)

B. NUS Administered Schemes

APPLICATION
The application form is available at the Ofce of Financial Aid website: http://www.nus.edu.sg/ nancialaid/ The completed form is to be submitted to either DBS or OCBC Bank for processing by mid July for local students and end July for international students.

WHO CAN APPLY?

All full-time undergraduate students except international students who do not take up the MOE Tuition Grant.

QUANTUM & GUARANTOR CRITERIA (LOANS ONLY)

The loan quantum is up to 90% of the tuition fee payable by Singapore citizens for the same course2. The loan can cover recipients for the entire course of study. A guarantor who is not a bankrupt and between 21 60 years old is required. He/she cannot be a party (borrower/guarantor) to more than one other loan agreement. Only Singaporean guarantors are acceptable for Singaporean students; Singaporean/ SPR guarantors are acceptable for SPR students and Singaporean/SPR/nonSingaporean guarantors are acceptable for international students.

SCHEME
NUS Study Loan2 (NSL)

WHO CAN APPLY?

Needy undergraduate students who have taken the maximum TFL and/or CES and/or TTFS coverage for the tuition fee payable by Singapore citizens for the same course of study1. Local and international students whose gross monthly per capita household income is not more than $2,400 and $1,200 respectively.

QUANTUM & GUARANTOR CRITERIA (LOANS ONLY)

The loan quantum is 10% or 20% of the tuition fee payable by Singapore Citizens for the same course of study1 and/or annual living allowance loan of $3,600. The loan can cover recipients for the entire course of study. A guarantor who is not a bankrupt and between 21 60 years old is required. He/she cannot be a party (borrower/guarantor) to more than one other loan agreement. Only Singaporean guarantors are acceptable for Singaporean students; Singaporean/ SPR guarantors are acceptable for SPR students and Singaporean/SPR/nonSingaporean guarantors are acceptable for international students. The bursary quantum is up to $1,200 per annum and is offered dependent on the assessed level of neediness of the applicant. Re-application is required every year. The bursary quantum is up to $1,650 per annum and is offered dependent on the assessed level of neediness of the applicant. Re-application is required every year. The loan quantum is dependent on the assessed level of neediness of the applicant. The loan can cover recipients for the entire course of study. A guarantor who is not a bankrupt and between 21 60 years old is required. He or she must be a Singapore Citizen or Singapore Permanent Resident and must not be a party (borrower/guarantor) to more than one other loan agreement.

APPLICATION
Existing and prospective students may apply online via the NUS Financial Aid application system from 1 February to 1 April. Supporting documents must be submitted to the Ofce of Financial Aid within two weeks of the online application date. Applications should be made (1) as soon as possible after your application for admission and regardless of whether you have been offered admission to NUS and (2) regardless of whether you intend to apply for scholarships and/ or other forms of nancial assistance offered or administered by sources other than the NUS Ofce of Financial Aid. Only one application is required for the student to be considered for the NUS Study Loan, MOE Bursary, NUS Bursary, NUS Student Assistance Loan and Work-study Assistance schemes.

CPF Education Scheme1,3 (CES)

Full-time undergraduate students who have and/ or whose parents have sufcient CPF funds excluding those who do not take up the MOE Tuition Grant. Financially needy Malay undergraduate students who are Singapore Citizens and have enjoyed free secondary and pre-university education. Monthly gross family income does not exceed $3,000.

The loan quantum is up to 100% of the tuition fee payable2 and the CPF member may only use up to 40% of accumulated savings in the ordinary account, excluding amounts withdrawn for housing.The loan can cover recipients for the entire course of study. The quantum is 70% of tuition fee subsidy for those whose monthly family income is between $2,001 and $3,000 or 100% of tuition fee subsidy for those whose monthly family income is $2,000 and below.

Apply online via the CPF Board website at: http://www.cpf.gov.sg/ by end July or the deadline as stipulated in the website, whichever is earlier.

MOE Bursary2

Singapore Citizens whose gross monthly per capita household income is not more than $1,700 may be considered. Needy undergraduates who have obtained maximum nancing under the TFL and NUS Study Loan (with living allowance) may be considered. Needy undergraduate students who are in receipt of the NUS Study Loan with the living allowance component. Recipients of the ASEAN/ NUS Undergraduate Scholarship, NUS Faculty Scholarship, University Engineering Scholarship and such other scholarships are also eligible to apply for this loan.

NUS Bursary Download the application form at the Ofce of Financial Aid website: http://www.nus.edu.sg/ nancialaid/ from mid July onwards and the completed form must be submitted together with the required supporting documents to the Ofce of Financial Aid by end July. Download the application form at the Ofce of Financial Aid website: http://www.nus.edu.sg/ nancialaid/ and submit the completed form at the Registration Centre on your Registration Day in July. Work-Study Assistance

Mendaki Tertiary Tuition Fee Subsidy1,3 (TTFS)

NUS Student Assistance Loan (SAL)

PostSecondary Education Account (PSEA)1

Singapore Citizens who have a PSEA account

The quantum varies according to the funds available in each individuals PSEA account. The PSEA can be used for payment of tuition fees (inclusive of mandatory miscellaneous fees) as well as enrichment programmes approved and endorsed by the University.

Application for these schemes may be carried out upon securing admission to NUS. The loan quantum is based on the tuition fee rate for Singapore Citizens, e.g. the subsidised tuition fee payable for a Singaporean and an international Engineering undergraduate student in the academic year 2010/2011 is $6,890 and $11,030 per annum respectively. The TFL quantum for an eligible international Engineering undergraduate student would be up to 90% of $6,890. 3 Disbursement of funds is done at the beginning of Semester 1 and 2 provided that tuition fees are charged for that semester.
1 2

Needy full-time undergraduate students who are in receipt of the NUS Study Loan may be considered.

An international applicant must not work more than 16 hours per week during term time. There is no such restriction during vacation time. Re-application is required every year.

Examples of Financial Aid Packages For Relatively Needy Undergraduate Students from Engineering and Science Faculties
EXAMpLE 1: For SIngAporE CItIZEns
TuItIon FEE AnD LIVIng EXpEnsEs
Total annual tuition fee payable Tuition Grant subsidy Balance tuition fee payable (subsidised tuition fee) Estimated living expenses (excluding accommodation) Total amount payable (a)

$
33,290 26,400 6,890 6,000 12,890

FInAnCIAL AID FunDs

Tuition Fee Loan (90% of subsidised tuition fee) NUS Study Loan (10% of subsidised tuition fee) + $3,600 living allowance NUS Bursary Total nancial aid funds (b) Estimated annual out-of-pocket amount payable (a) (b) 6,201 4,289 1,320 11,810 1,080*

EXAMpLE 2: For SIngAporE PErMAnEnt REsIDEnts

TuItIon FEE AnD LIVIng EXpEnsEs
Total annual tuition fee payable Tuition Grant subsidy Balance tuition fee payable (subsidised tuition fee) Estimated living expenses (including cheapest on-campus accommodation) Total amount payable (a)

$
34,670 26,400 8,270 8,000 16,270

FInAnCIAL AID FunDs

Tuition Fee Loan (90% of subsidised tuition fee at Singaporean rate) NUS Study Loan (10% of subsidised tuition fee at Singaporean rate) + $3,600 living allowance NUS Bursary Total nancial aid funds (b) Estimated annual out-of-pocket amount payable (a) (b) 6,201 4,289 1,260 11,750 4,520*

WHEN WILL I RECEIVE MY FINANCIAL AID OFFER AND FUNDS?

Prospective and existing students can check the outcome of your nancial aid application via the Financial Aid online system from March and June onwards respectively. Please check your email regularly to avoid missing our notication on your application outcome or our requests for additional/missing documents.

CHECKLIST
ACtIVIty AppLICAbLE to?
All interested needy undergraduate students, including prospective students who have applied for admission to NUS All nancial aid applicants All eligible nancial aid applicants

DAtE
1 Feb 1 Apr

EXAMpLE 3: For IntErnAtIonAL stuDEnts

TuItIon FEE AnD LIVIng EXpEnsEs
Total annual tuition fee payable Tuition Grant subsidy Balance tuition fee payable (subsidised tuition fee) Estimated living expenses (including cheapest on-campus accommodation) Total amount payable (a)

$
37,430 26,400 11,030 8,000 19,030

Apply for NUS administered Financial Aid Submit supporting documents to the Ofce of Financial Aid Offer of Financial Aid (Acceptance Guide available at http://www.nus.edu.sg/nancialaid/) Apply for TFL/CES

Within 2 weeks of online application date Mar Jun

FInAnCIAL AID FunDs

Tuition Fee Loan (90% of subsidised tuition fee at Singaporean rate) NUS Study Loan (10% of subsidised tuition fee at Singaporean rate) + $3,600 living allowance NUS Bursary Total nancial aid funds (b) Estimated annual out-of-pocket amount payable (a) (b) 6,201 4,289 1,000 11,490 7,540* Sign NUS Study Loan and/or Student Assistance Loan agreement(s) Receive proceeds of nancial aid funds* Apply for TTFS

All interested undergraduate students, including nancial aid applicants All interested Singaporean Malay students, including nancial aid applicants All recipients under the respective schemes All nancial aid recipients

After acceptance of admission offers and by mid July After acceptance of admission offers and by end July Jul Sep Aug Sep