Tuition Fee Loan (TFL)


The value of the loan is up to 90% of the subsidised tuition fee payable by Singapore Citizens for the same course.

The loan is tenable for the entire undergraduate course duration.

Who is eligible?

  • Full-time undergraduates, including full fee paying Singapore Citizens and SPRs. Full fee paying international undergraduate students or international undergraduate students who are offered admission without the MOE Tuition Grant are not eligible.
  • Full fee paying international undergraduates who have used up their MOE Tuition Grant subsidy and have taken up the Tuition Fee Loan before they are charged the full tuition fee rate. (Percentage of coverage is based on the subsidised tuition fee rate portion only).
  • 5th Year undergraduate students taking Double-Degree Programmes (Percentage of coverage is based on the subsidised tuition fee rate portion only). Students who are reading the Concurrent Degree Programmes may not be eligible for the loan once they are charged graduate tuition fee. Please check your eligibility here.
  • Undergraduate students reading the iBLOC modules and Special Term modules
  • Part-time undergraduates who satisfy the following criteria:
    • Must be a Singapore Citizen;
    • Pursuing the first undergraduate course of study;
    • Depending on the assessed level of neediness.

  • Part–time undergraduate students who satisfy the above criteria can apply for TFL through the Office of Financial Aid (OFA). Once their TFL applications are approved by OFA, students will be given an approval letter (hardcopy) confirming their eligibility. Students can then download and fill up the TFL application form and proceed to apply at the bank (either at DBS or OCBC) together with their guarantors. A copy of the approval letter must be produced at the point of application.


Interest computation is deferred until after graduation. Thereafter, average prime rate of DBS, OCBC and UOB applies. Repayment can be in one lump sum or in fixed equal monthly installments (minimum of $100 per month), commencing not later than 2 years after graduation. The maximum repayment period is 20 years.

Students may use their PSEA balance for the repayment of their loan after they have graduated. To apply and find out more about the scheme, please click here. Please note that the application form should be submitted to MOE directly.


A guarantor is required. He or she must be an adult between 21 and 60 years of age and is not a bankrupt. Only Singapore Citizen guarantors are acceptable for Singapore Citizen students; Singaporean/SPR guarantors are acceptable for SPR students and Singaporean/SPR/non-Singaporean guarantors are acceptable for international students


Students who wish to apply for the TFL can download the application form below and bring the completed form to either DBS or OCBC with their guarantor for processing.

To apply for AY2018/19, please click here

To apply for AY2019/20, please click here instead.

For the execution of the TFL, first-time applicants and their Guarantors are required to call personally with the completed Application Form, their identity cards/passports, a copy of the University’s Letter of Offer for Admission for new prospective students or NUS Student Card for current students. For students who intend to apply for TFL at DBS, please note that the DBS Remix (Kent Ridge branch) requires customers to make an appointment ahead of time.

Please refer to the table below for the various application deadlines.

Semester Application Deadline*
Semester 1 2nd Friday of July Local students
3rd Friday of July International students
Semester 2 3rd Friday of January All students including iBLOC students

*If the deadline falls on a public holiday, it will be extended to the following Monday.

Students who have successfully applied for the TFL but were subsequently awarded scholarships or any other awards, may no longer require disbursements from the TFL Scheme to pay for their tuition fees. For such cases, the students are required to inform the TFL-Administering Bank at any bank’s branch or the Office of Financial Services via email at to cancel or suspend their TFL disbursement.

Existing Tuition Fee Loan recipients who have changed their course and are charged new tuition fee amounts are required to inform the TFL-Administering Bank of their change in course so that the bank may update their information accordingly.

Undergraduates who have transferred from other local universities and had taken up the Tuition Fee Loan for their previous course are required to submit a new application if they are interested to apply for the Tuition Fee Loan to cover their undergraduate course in NUS.