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Tuition Fee Loan Scheme

(for Graduate Students only)

Graduate students who require financing for their tuition fees may apply for a loan under the Tuition Fee Loan (TFL) scheme. The maximum loan quantum is 90% of the tuition fees payable by Singapore Citizens for the same course.

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EligibilityWith effect from AY2008/09, only students who enroll under the following programmes are eligible to apply for the TFL:Full-time and Part-time Graduate Research programmesFull-time government-subsidised Graduate Coursework programmes, including the following:Master in Architecture and Master in Landscape Architecture programmes; andProgrammes conducted by the Lee Kuan Yew School of Public Policy, the Singapore-MIT Alliance, and the Duke-NUS Graduate Medical School SingaporeThe following categories of graduate students are not eligible to apply for the TFL:MOE Scholarship/Bursary holdersPSC Scholarship/Bursary holdersSAF Awards holdersPart-time coursework studentsThe terms of the TFL are as follows:Interest RateInterest at the average of the prime rates of DBS, OCBC and UOB, prevailing on the first day of each quarter or at such other rates as may be determined from time to time will be chargeable on the loan upon graduation of the borrower. Interest will be chargeable with effect from the following dates based on the graduation period:

Graduation period Interest chargeable with effect from
1 January to 30 June 1 August in the year of graduation
1 July to 31 December 1 March in the year following graduation
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For this purpose, “graduation” shall be deemed to have taken place when the borrower passes the final examination (main or re-examination) or is deemed to have fulfilled all the requirements for the award of the degree. Interest is computed on a monthly rest basis on a 365-day year. In the event that the borrower leaves NUS without completing the graduate programme, interest will be chargeable with effect from the first day of the month immediately following the month in which notification is given to the bank.RepaymentThe repayment terms are as follows:Repayment of the loan can be in one lump sum or by equal monthly instalments commencing not later than two years from the date that interest is first chargeable on the loan.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 graduate 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 the University may allow depending on the circumstances of each case.Early repayment of the loan in full or in part will be allowed after 7 working days' written notice has been given. Partial repayment may be made in multiples of $1,000.

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GuarantorOne guarantor above 21 years but not exceeding 60 years will be required. There is no minimal income requirement. Applicants who are Singapore citizens must provide guarantors who are Singapore citizens.Late Payment ChargePenalty interest will be levied at the rate of 1% per month on instalments in arrears.The University has appointed the following banks as agents to administer the TFL scheme:Development Bank of Singapore (DBS Bank)

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http://www.nus.edu.sg/admissions/graduate-studies/tuitionfee-loan.php

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* Lưu ý:Thông tin và hình ảnh về Tuyển sinh NUS tại Việt Nam là thông tin được giữ bản quyền của Công ty Hợp Điểm – Đại diện chính thức của Ban Tuyển sinh NUS tại Việt Nam.

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