{"id":975,"date":"2025-06-09T10:58:35","date_gmt":"2025-06-09T02:58:35","guid":{"rendered":"https:\/\/live-ofn-nus.pantheonsite.io\/?page_id=975"},"modified":"2025-09-17T13:51:16","modified_gmt":"2025-09-17T05:51:16","slug":"cpf-education-loan-scheme-cels","status":"publish","type":"page","link":"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/cpf-education-loan-scheme-cels\/","title":{"rendered":"CPF Education Loan Scheme (CELS)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"975\" class=\"elementor elementor-975\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3007c3aa e-flex e-con-boxed e-con e-parent\" data-id=\"3007c3aa\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63ab0d0d elementor-widget elementor-widget-heading\" data-id=\"63ab0d0d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Student Finance Matters<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f38b266 e-flex e-con-boxed e-con e-parent\" data-id=\"1f38b266\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b3f1de4 e-grid e-con-full e-con e-child\" data-id=\"b3f1de4\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5d78b95 e-con-full e-flex e-con e-child\" data-id=\"5d78b95\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0c15a28 e-con-full e-flex e-con e-child\" data-id=\"0c15a28\" data-element_type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:50,&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky_offset_mobile&quot;:0,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2253e0e nus-sidebar-menu elementor-widget elementor-widget-wp-widget-nav_menu\" data-id=\"2253e0e\" data-element_type=\"widget\" data-widget_type=\"wp-widget-nav_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav class=\"menu-student-finance-matters-financial-aid-loans-sidebar-menu-container\" aria-label=\"Menu\"><ul id=\"menu-student-finance-matters-financial-aid-loans-sidebar-menu\" class=\"menu\"><li id=\"menu-item-918\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-918\"><a aria-expanded=\"false\" href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/\" class=\"menu-link\">Financial Aid &amp; Loans<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-999\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-999\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/disbursement-of-financial-aid\/\" class=\"menu-link\">Disbursement of Financial Aid<\/a><\/li>\n\t<li id=\"menu-item-998\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-998\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/cpf-education-loan-scheme-cels\/\" class=\"menu-link\">CPF Education Loan Scheme (CELS)<\/a><\/li>\n\t<li id=\"menu-item-997\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-997\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/post-secondary-education-account-psea\/\" class=\"menu-link\">Post-Secondary Education Account (PSEA)<\/a><\/li>\n\t<li id=\"menu-item-996\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-996\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/skillsfuture-credit-sfc\/\" class=\"menu-link\">SkillsFuture Credit (SFC)<\/a><\/li>\n\t<li id=\"menu-item-995\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-995\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/tuition-fee-loan-study-loan-other-student-loan-schemes\/\" class=\"menu-link\">Tuition Fee Loan, Study Loan &amp; Other Student Loan Schemes<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-81c6327 e-con-full e-flex e-con e-child\" data-id=\"81c6327\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-efe1d41 e-con-full e-flex e-con e-child\" data-id=\"efe1d41\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfccea1 expand-all elementor-widget elementor-widget-button\" data-id=\"bfccea1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Expand all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b19fc61 collapse-all elementor-widget elementor-widget-button\" data-id=\"b19fc61\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Collapse all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2488f06f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2488f06f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Aid &amp; Loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff45e55 elementor-widget elementor-widget-heading\" data-id=\"ff45e55\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Popular FAQs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3440114f popular-faq-links elementor-widget elementor-widget-text-editor\" data-id=\"3440114f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><a href=\"#cels-2\">How do I know whether I am eligible for CELS?<\/a><\/li><li><a href=\"#cels-3\">How do I apply for CELS if I am eligible?<\/a><\/li><li><a href=\"#cels-4\">I have missed the application period for CELS. Can I submit a late application?<\/a><\/li><li><a href=\"#cels-5\">Do I need to re-apply for the CELS every semester?<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5683489 e-con-full e-flex e-con e-child\" data-id=\"5683489\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f232fdd elementor-widget elementor-widget-heading\" data-id=\"f232fdd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">CPF Education Loan Scheme (CELS)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd36c4b elementor-widget__width-inherit faq-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"fd36c4b\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:300,&quot;sizes&quot;:[]},&quot;max_items_expended&quot;:&quot;one&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2650\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2650\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the CPF Education Loan Scheme (CELS)? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2650\" class=\"elementor-element elementor-element-670624d e-con-full e-flex e-con e-child\" data-id=\"670624d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb1b08c elementor-widget elementor-widget-text-editor\" data-id=\"fb1b08c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The CPF Education Loan Scheme (CELS) is administered by the Central Provident Fund Board (CPFB).<\/p><p>The CELS is for the payment of tuition fees for full-time Singapore Citizen and Singapore Permanent Resident Undergraduate students. You can use your own, your spouse\u2019s or your parents&#8217; CPF savings to pay for the tuition fees. It cannot be used to pay for the compulsory miscellaneous fees and hostel fees.<\/p><p>Please apply for GIRO so that any remainder fees not covered by CPF and other financial aid will be deducted automatically on the scheduled GIRO deduction dates.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"cels-2\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"cels-2\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do I know whether I am eligible for CPF Education Loan Scheme (CELS)? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"cels-2\" class=\"elementor-element elementor-element-9176b41 e-con-full e-flex e-con e-child\" data-id=\"9176b41\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41e55e5 elementor-widget elementor-widget-text-editor\" data-id=\"41e55e5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Singapore Citizens and Permanent Residents taking full-time subsidised undergraduate programmes, regardless of family income<\/li><li>Returning National Servicemen registering as undergraduate students in July\/August and reading Internal Blended Learning Online Courses (iBLOCs)\/Special Term Courses (only tuition fee portion is applicable)<\/li><\/ul><p><span style=\"text-decoration: underline;\">Who are not eligible:<\/span><\/p><ul><li>Graduate students<\/li><li>Part-time Undergraduate students<\/li><li>Undergraduate students enrolled in the Bachelor of Information Technology (BIT)<\/li><li>Full -time Undergraduate Students who have exceeded their normal candidature and have fully utilized the MOE Tuition Grant<\/li><li>Full-time Undergraduate Students who are paying full fees (non-subsidized tuition fee), i.e., not taking up the MOE Tuition Grant or were given an admission offer without the MOE Tuition Grant<\/li><li>Full-time Undergraduate Students receiving scholarships\/bursaries\/subsidies\/awards which fully cover tuition fees<\/li><li>Full-time Undergraduate Students enrolled in the Concurrent Degree Programmes, once they are charged graduate tuition fees.<\/li><li>Full-time Undergraduate Students enrolled in the Joint-Degree Programmes (JDP)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"cels-3\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"cels-3\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do I apply for CPF Education Loan Scheme (CELS) if I am eligible? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"cels-3\" class=\"elementor-element elementor-element-62ebed6 e-con-full e-flex e-con e-child\" data-id=\"62ebed6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54dc0ce elementor-widget elementor-widget-text-editor\" data-id=\"54dc0ce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Details of the CELS, eligibility criteria, application procedures &amp; deadlines etc. can be found at:<\/p><ul><li>NUS Office of Financial Aid\u2019s website at\u00a0<a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/cpf-education-loan-scheme\" target=\"_blank\" rel=\"noopener\">https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/cpf-education-loan-scheme<\/a><\/li><li>CPF Board\u2019s website at <a href=\"https:\/\/www.cpf.gov.sg\/service\/article\/what-is-the-cpf-education-loan-scheme\" target=\"_blank\" rel=\"noopener\">https:\/\/www.cpf.gov.sg\/service\/article\/what-is-the-cpf-education-loan-scheme<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"cels-4\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"cels-4\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I have missed the application period for CPF Education Loan Scheme (CELS). Can I submit a late application? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"cels-4\" class=\"elementor-element elementor-element-906a9b4 e-flex e-con-boxed e-con e-child\" data-id=\"906a9b4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4fd1e2 elementor-widget elementor-widget-text-editor\" data-id=\"d4fd1e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All applications under the CPF Education Loan Scheme should be submitted online within the application period. No late applications will be entertained. You may refer to the\u00a0<a href=\"https:\/\/www.cpf.gov.sg\/member\/tools-and-services\/forms-e-applications\/apply-for-cpf-education-loan\/application-schedule\" target=\"_blank\" rel=\"noopener\">Application Schedule to Use CPF Savings under the CPF Education Loan Scheme<\/a>\u00a0for the application period.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"cels-5\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"cels-5\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need to re-apply for the CPF Education Loan Scheme (CELS) every semester? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"cels-5\" class=\"elementor-element elementor-element-6d23ca5 e-flex e-con-boxed e-con e-child\" data-id=\"6d23ca5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffc6d68 elementor-widget elementor-widget-text-editor\" data-id=\"ffc6d68\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No, your approved CELS application is a\u00a0<strong><u>standing instruction<\/u><\/strong>\u00a0to allow your Tuition Fee to be deducted from the authorised CPF account when due. This instruction will remain valid until you submit a written request to\u00a0<a href=\"https:\/\/www.cpf.gov.sg\/service\/article\/how-do-i-revoke-the-use-of-cpf-savings-under-the-cpf-education-loan-scheme\" target=\"_blank\" rel=\"noopener\">CPF Board<\/a>\u00a0to terminate it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2655\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2655\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> My application for CPF Education Loan Scheme (CELS) has been approved but it is still not reflected in my student bill. The payment due date is approaching. (a) Should I pay the outstanding amount as stated in the bill or the net amount after deducting CELS? (b) Why do I still have outstanding fees payable in my Student Account after deduction for my Tuition Fee using CELS? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2655\" class=\"elementor-element elementor-element-d671988 e-flex e-con-boxed e-con e-child\" data-id=\"d671988\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39c3802 elementor-widget elementor-widget-text-editor\" data-id=\"39c3802\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>(a) If you have applied for the CELS within the\u00a0<a href=\"https:\/\/www.cpf.gov.sg\/member\/tools-and-services\/forms-e-applications\/apply-for-cpf-education-loan\/application-schedule\" target=\"_blank\" rel=\"noopener\">stipulated deadline<\/a>, please pay the net amount (outstanding amount in student bill less CELS payment). The CELS will be reflected in your student account 2 weeks before the first GIRO deduction. Please log in to your EduRec student account to check that the deduction is successful and there is no outstanding balance after the deduction. If the deduction is unsuccessful, please make payment for the outstanding balance as soon as possible. Please see\u00a0<a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\" target=\"_blank\" rel=\"noopener\">here<\/a>\u00a0for exact fee payment due dates. Please see (b) below for the net amount payable.<\/p><p>(b) As stipulated by CPFB and subject to CPF withdrawal limits, CELS can only be used to pay the Tuition Fee of full-time undergraduates taking MOE-subsidised courses. Hence, other fees including the Miscellaneous Student Fees (MSF) and Hostel Fees have to be paid separately by GIRO or other payment modes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2656\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2656\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I have applied for CPF Education Loan Scheme (CELS), but to date, no deduction has been made from my father\u2019s CPF account and my Tuition Fee is still outstanding. What should I do now? Would the late fee charge be waived? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2656\" class=\"elementor-element elementor-element-6a64d70 e-flex e-con-boxed e-con e-child\" data-id=\"6a64d70\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41093e2 elementor-widget elementor-widget-text-editor\" data-id=\"41093e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIf your CELS application is successful, CPF Board will inform the member (in this case, your father) of the outcome and proceed to pay your Tuition Fee to NUS. In the event that no payment is effected, please contact <a href=\"https:\/\/www.cpf.gov.sg\/member\/contact-us\" target=\"_blank\" rel=\"noopener\">CPF Board<\/a>\u00a0directly at 1800 227 1188 to check on your application status.\n\nAny outstanding fees in your Student Account after the fee payment due date will incur late fee charge. You may log a case via\u00a0our\u00a0<a href=\"https:\/\/faq.nus.edu.sg\/\" target=\"_blank\" rel=\"noopener\">FAQ Portal<\/a>\u00a0with valid reasons to appeal for waiver of the late fee charge.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2657\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2657\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I have applied for CPF Education Loan Scheme (CELS) but have been informed that there are insufficient funds in my father\u2019s CPF account. What should I do? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2657\" class=\"elementor-element elementor-element-ddab81e e-flex e-con-boxed e-con e-child\" data-id=\"ddab81e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c2d178 elementor-widget elementor-widget-text-editor\" data-id=\"5c2d178\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When applying for CELS, students have to ensure that there are sufficient funds in the designated CPF account. If CPF funds are insufficient, students will still have to pay their outstanding Tuition Fee with other sources of funds.<\/p><p>Students who need further financial assistance can check the Office of Financial Aid\u2019s website at\u00a0<a href=\"http:\/\/www.nus.edu.sg\/oam\/financial-aid\" target=\"_blank\" rel=\"noopener\">http:\/\/www.nus.edu.sg\/oam\/financial-aid<\/a>. Alternatively, students may contact\u00a0<a href=\"https:\/\/www.cpf.gov.sg\/member\/contact-us\" target=\"_blank\" rel=\"noopener\">CPFB<\/a>\u00a0at 1800 227 1188 to understand the procedures to apply for use of another CPF member\u2019 fund under the CELS.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2658\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2658\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> When and how do I make repayment of funds utilised under the CPF Education Loan Scheme (CELS)? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2658\" class=\"elementor-element elementor-element-1e85013 e-flex e-con-boxed e-con e-child\" data-id=\"1e85013\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7d71d4 elementor-widget elementor-widget-text-editor\" data-id=\"e7d71d4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Repayment starts 1 year after graduation or upon leaving the course, whichever is earlier. You may make partial, lump sum or monthly instalments to CPFB for the full amount of CPF funds utilised plus the interest from the time the funds are withdrawn. The interest, which is based on the prevailing CPF interest rate, will be credited into the CPF account of the member whose savings had been used.<\/p><p>Students who have left NUS and have credit balance in their own Post-Secondary Education Account (PSEA) may also opt to use the PSEA funds for payment of their outstanding CELS loan. For more details, please refer to PSEA website at\u00a0<a href=\"https:\/\/www.moe.gov.sg\/financial-matters\/psea\/funds-balance-and-usage\/loans-and-approved-financing-scheme\" target=\"_blank\" rel=\"noopener\">https:\/\/www.moe.gov.sg\/financial-matters\/psea\/funds-balance-and-usage\/loans-and-approved-financing-scheme.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2659\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2659\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do I terminate my approved CPF Education Loan Scheme (CELS)? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2659\" class=\"elementor-element elementor-element-483e476 e-flex e-con-boxed e-con e-child\" data-id=\"483e476\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b22fba elementor-widget elementor-widget-text-editor\" data-id=\"7b22fba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To terminate your approved CELS, please contact CPF Board directly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the CPF Education Loan Scheme (CELS)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The CPF Education Loan Scheme (CELS) is administered by the Central Provident Fund Board (CPFB).The CELS is for the payment of tuition fees for full-time Singapore Citizen and Singapore Permanent Resident Undergraduate students. You can use your own, your spouse\\u2019s or your parents&#8217; CPF savings to pay for the tuition fees. It cannot be used to pay for the compulsory miscellaneous fees and hostel fees.Please apply for GIRO so that any remainder fees not covered by CPF and other financial aid will be deducted automatically on the scheduled GIRO deduction dates.\"}},{\"@type\":\"Question\",\"name\":\"How do I know whether I am eligible for CPF Education Loan Scheme (CELS)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Singapore Citizens and Permanent Residents taking full-time subsidised undergraduate programmes, regardless of family incomeReturning National Servicemen registering as undergraduate students in July\\\/August and reading Internal Blended Learning Online Courses (iBLOCs)\\\/Special Term Courses (only tuition fee portion is applicable)Who are not eligible:Graduate studentsPart-time Undergraduate studentsUndergraduate students enrolled in the Bachelor of Information Technology (BIT)Full -time Undergraduate Students who have exceeded their normal candidature and have fully utilized the MOE Tuition GrantFull-time Undergraduate Students who are paying full fees (non-subsidized tuition fee), i.e., not taking up the MOE Tuition Grant or were given an admission offer without the MOE Tuition GrantFull-time Undergraduate Students receiving scholarships\\\/bursaries\\\/subsidies\\\/awards which fully cover tuition feesFull-time Undergraduate Students enrolled in the Concurrent Degree Programmes, once they are charged graduate tuition fees.Full-time Undergraduate Students enrolled in the Joint-Degree Programmes (JDP)\"}},{\"@type\":\"Question\",\"name\":\"How do I apply for CPF Education Loan Scheme (CELS) if I am eligible?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Details of the CELS, eligibility criteria, application procedures &amp; deadlines etc. can be found at:NUS Office of Financial Aid\\u2019s website at\\u00a0https:\\\/\\\/www.nus.edu.sg\\\/oam\\\/financial-aid\\\/schemes-for-tuition-fees-and-or-living-costs\\\/cpf-education-loan-schemeCPF Board\\u2019s website at https:\\\/\\\/www.cpf.gov.sg\\\/service\\\/article\\\/what-is-the-cpf-education-loan-scheme\"}},{\"@type\":\"Question\",\"name\":\"I have missed the application period for CPF Education Loan Scheme (CELS). Can I submit a late application?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"All applications under the CPF Education Loan Scheme should be submitted online within the application period. No late applications will be entertained. You may refer to the\\u00a0Application Schedule to Use CPF Savings under the CPF Education Loan Scheme\\u00a0for the application period.\"}},{\"@type\":\"Question\",\"name\":\"Do I need to re-apply for the CPF Education Loan Scheme (CELS) every semester?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, your approved CELS application is a\\u00a0standing instruction\\u00a0to allow your Tuition Fee to be deducted from the authorised CPF account when due. This instruction will remain valid until you submit a written request to\\u00a0CPF Board\\u00a0to terminate it.\"}},{\"@type\":\"Question\",\"name\":\"My application for CPF Education Loan Scheme (CELS) has been approved but it is still not reflected in my student bill. The payment due date is approaching. (a) Should I pay the outstanding amount as stated in the bill or the net amount after deducting CELS? (b) Why do I still have outstanding fees payable in my Student Account after deduction for my Tuition Fee using CELS?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"(a) If you have applied for the CELS within the\\u00a0stipulated deadline, please pay the net amount (outstanding amount in student bill less CELS payment). The CELS will be reflected in your student account 2 weeks before the first GIRO deduction. Please log in to your EduRec student account to check that the deduction is successful and there is no outstanding balance after the deduction. If the deduction is unsuccessful, please make payment for the outstanding balance as soon as possible. Please see\\u00a0here\\u00a0for exact fee payment due dates. Please see (b) below for the net amount payable.(b) As stipulated by CPFB and subject to CPF withdrawal limits, CELS can only be used to pay the Tuition Fee of full-time undergraduates taking MOE-subsidised courses. Hence, other fees including the Miscellaneous Student Fees (MSF) and Hostel Fees have to be paid separately by GIRO or other payment modes.\"}},{\"@type\":\"Question\",\"name\":\"I have applied for CPF Education Loan Scheme (CELS), but to date, no deduction has been made from my father\\u2019s CPF account and my Tuition Fee is still outstanding. What should I do now? Would the late fee charge be waived?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If your CELS application is successful, CPF Board will inform the member (in this case, your father) of the outcome and proceed to pay your Tuition Fee to NUS. In the event that no payment is effected, please contact CPF Board\\u00a0directly at 1800 227 1188 to check on your application status.\\n\\nAny outstanding fees in your Student Account after the fee payment due date will incur late fee charge. You may log a case via\\u00a0our\\u00a0FAQ Portal\\u00a0with valid reasons to appeal for waiver of the late fee charge.\"}},{\"@type\":\"Question\",\"name\":\"I have applied for CPF Education Loan Scheme (CELS) but have been informed that there are insufficient funds in my father\\u2019s CPF account. What should I do?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When applying for CELS, students have to ensure that there are sufficient funds in the designated CPF account. If CPF funds are insufficient, students will still have to pay their outstanding Tuition Fee with other sources of funds.Students who need further financial assistance can check the Office of Financial Aid\\u2019s website at\\u00a0http:\\\/\\\/www.nus.edu.sg\\\/oam\\\/financial-aid. Alternatively, students may contact\\u00a0CPFB\\u00a0at 1800 227 1188 to understand the procedures to apply for use of another CPF member\\u2019 fund under the CELS.\"}},{\"@type\":\"Question\",\"name\":\"When and how do I make repayment of funds utilised under the CPF Education Loan Scheme (CELS)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Repayment starts 1 year after graduation or upon leaving the course, whichever is earlier. You may make partial, lump sum or monthly instalments to CPFB for the full amount of CPF funds utilised plus the interest from the time the funds are withdrawn. The interest, which is based on the prevailing CPF interest rate, will be credited into the CPF account of the member whose savings had been used.Students who have left NUS and have credit balance in their own Post-Secondary Education Account (PSEA) may also opt to use the PSEA funds for payment of their outstanding CELS loan. For more details, please refer to PSEA website at\\u00a0https:\\\/\\\/www.moe.gov.sg\\\/financial-matters\\\/psea\\\/funds-balance-and-usage\\\/loans-and-approved-financing-scheme.\"}},{\"@type\":\"Question\",\"name\":\"How do I terminate my approved CPF Education Loan Scheme (CELS)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To terminate your approved CELS, please contact CPF Board directly.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Student Finance Matters Expand all Collapse all Financial Aid &amp; Loans Popular FAQs How do I know whether I am eligible for CELS? How do I apply for CELS if I am eligible? I have missed the application period for CELS. Can I submit a late application? Do I need to re-apply for the CELS [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":916,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-975","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages\/975","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/comments?post=975"}],"version-history":[{"count":46,"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages\/975\/revisions"}],"predecessor-version":[{"id":3186,"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages\/975\/revisions\/3186"}],"up":[{"embeddable":true,"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages\/916"}],"wp:attachment":[{"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/media?parent=975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}