{"id":990,"date":"2025-06-09T12:18:01","date_gmt":"2025-06-09T04:18:01","guid":{"rendered":"https:\/\/live-ofn-nus.pantheonsite.io\/?page_id=990"},"modified":"2026-08-03T09:37:21","modified_gmt":"2026-08-03T01:37:21","slug":"tuition-fee-loan-study-loan-other-student-loan-schemes","status":"publish","type":"page","link":"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/tuition-fee-loan-study-loan-other-student-loan-schemes\/","title":{"rendered":"MOE Higher Education Student Loan, Tuition Fee Loan, Study Loan &#038; Other Student Loan Schemes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"990\" class=\"elementor elementor-990\" 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-e-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-e-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\" data-e-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\" data-e-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\" data-e-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-e-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-e-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\">MOE Higher Education Student Loan, Tuition Fee Loan, Study Loan &#038; 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\" data-e-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\" data-e-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-e-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-e-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-e-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-e-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-e-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>\n \t<li><a href=\"#other-load-schemes-1\">How do I know whether my student loan application is approved?<\/a><\/li>\n \t<li><a href=\"#other-load-schemes-2\">How long does it take for my student loan application to be approved?<\/a><\/li>\n \t<li><a href=\"#other-load-schemes-13\">What do I do if I need to change guarantors for my Higher Education Student Loan (HESL)\/MOE Tuition Fee Loan (TFL) and\/or MOE Study Loan (SL)? <\/a><\/li>\n \t<li><a href=\"#other-load-schemes-16\">I will be graduating in the coming semester. How do I make repayment for my student loans?<\/a><\/li>\n<\/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-99841d5 e-con-full e-flex e-con e-child\" data-id=\"99841d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2202888 elementor-widget elementor-widget-heading\" data-id=\"2202888\" data-element_type=\"widget\" data-e-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\">MOE Higher Education Student Loan, Tuition Fee Loan, Study Loan &amp; Other Student Loan Schemes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5c7918 elementor-widget__width-inherit faq-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"d5c7918\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&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=\"other-load-schemes-1\" 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=\"other-load-schemes-1\" >\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 my student loan application is approved? <\/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=\"other-load-schemes-1\" class=\"elementor-element elementor-element-d4d0061 e-con-full e-flex e-con e-child\" data-id=\"d4d0061\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45cf8fe elementor-widget elementor-widget-text-editor\" data-id=\"45cf8fe\" data-element_type=\"widget\" data-e-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><strong>For Higher Education Student Loan (HESL), student and your guarantor will receive an email notification to e-sign your HESL agreement if your application is approved. You can log in to <a href=\"https:\/\/go.gov.sg\/slsg\" target=\"_blank\">StudentLoanSG (SLSG) portal<\/a><\/strong> (from 29 July 2026, 10am)<strong> to find out the status of your HESL application.<\/strong>  <\/p>\n<p>For the other student loans such as\u202f<a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-hostel-fees\/nus-student-assistance-loan\" target=\"_blank\">NUS Student Assistance Loan\u202f(SAL)<\/a> and\u202f<a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-overseas-exposure-programmes\" target=\"_blank\">Overseas Student Exchange Programme Loan\u202f(OSEP)<\/a>, application is approved with the issuance of the respective Letter of Offer.<\/p>\n<p>Hence, it is important that you update your contact details in\u202f<a href=\"https:\/\/myedurec.nus.edu.sg\/\" target=\"_blank\">Education Records System<\/a>\u202fand with the relevant banks (<a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\">DBS Bank<\/a>\u202f\/\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\">OCBC Bank<\/a>) so that you can be contacted for any clarification on your loan application.<\/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=\"e-n-accordion-item-2241\" 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=\"e-n-accordion-item-2241\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long does it take for my student loan application to be approved? <\/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-2241\" class=\"elementor-element elementor-element-74fefe0 e-con-full e-flex e-con e-child\" data-id=\"74fefe0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d6cbb3 elementor-widget elementor-widget-text-editor\" data-id=\"1d6cbb3\" data-element_type=\"widget\" data-e-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>For Higher Education Student Loan (HESL), please refer to the <a href=\"https:\/\/go.gov.sg\/slsg\" target=\"_blank\" rel=\"noopener\">StudentLoanSG (SLSG) portal<\/a> (from 29 July 2026, 10am) for the application process and timeline.<br \/><br \/>For SAL, it takes about 2-3 weeks for the bank to process your application, after you and your guarantor have signed it digitally.<\/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=\"e-n-accordion-item-2242\" 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=\"e-n-accordion-item-2242\" >\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 maximum loan value for the various student loans? <\/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-2242\" class=\"elementor-element elementor-element-a5a44f6 e-con-full e-flex e-con e-child\" data-id=\"a5a44f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e3b310 elementor-widget elementor-widget-text-editor\" data-id=\"1e3b310\" data-element_type=\"widget\" data-e-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<table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\"><thead><tr><th rowspan=\"3\" valign=\"top\">\u00a0<\/th><th rowspan=\"3\" valign=\"top\">Loan Scheme<\/th><th rowspan=\"3\" valign=\"top\">Maximum Loan Amount<\/th><\/tr><\/thead><tbody><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">1a<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\"><p>HESL Base Provision*<\/p><ul><li>Applying only for Base Provision &#8211; Please apply via the <a href=\"https:\/\/go.gov.sg\/slsg\" target=\"_blank\" rel=\"noopener\">StudentLoanSG (SLSG) portal<\/a> (available from 29 July 2026 10am).<\/li><li>Applying for Base Provision together with Balance Fee Coverage and\/or Living Allowance &#8211; Please apply for Financial Aid <a href=\"http:\/\/www.nus.edu.sg\/oam\/financial-aid\/application\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/li><\/ul><\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Maximum Loan Value\"><p><strong>Singapore Citizens<\/strong>: Up to 90% of the subsidised tuition fee payable by Singapore Citizens.<\/p><p><strong>Singapore Permanent Resident<\/strong>:\u202fUp to 65% of subsidised tuition fee payable by Singapore Permanent Residents.<\/p><p><strong>International Students<\/strong>:\u202fUp to 45% of subsidised tuition fee payable by International Students.<\/p><\/td><\/tr><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">1b<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\">HESL Balance Fee Coverage*<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Maximum Loan Value\"><strong>Singapore Citizens<\/strong>: Covers remaining 10% of subsidised tuition fee payable by Singapore Citizens.<\/td><\/tr><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">1c<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\">HESL Living Allowance Loan<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Maximum Loan Value\">Up to $4,100 per academic year.<\/td><\/tr><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">1d<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\">HESL <a href=\"http:\/\/nus.edu.sg\/gro\/financing\/loans\" target=\"_blank\" rel=\"noopener\">Overseas Student Programme\u202f(OSP)<\/a> &#8211; Administered by the Global Relations Office (GRO). Please apply for HESL-OSP <a href=\"https:\/\/nus.edu.sg\/gro\/financing\/loans\/higher-education-student-loan---overseas-student-programme-loan-(hesl-ospl)\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Maximum Loan Value\"><p>Up to S$12,000 to cover the cost of institution-approved overseas student programme.<\/p><p>Students can only take up this loan once during course of undergraduate study.<\/p><\/td><\/tr><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">2<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\"><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-hostel-fees\/nus-student-assistance-loan\" target=\"_blank\" rel=\"noopener\">NUS Student Assistance Loan\u202f(SAL)<\/a>. Please apply\u202f<a href=\"http:\/\/www.nus.edu.sg\/oam\/financial-aid\/application\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Maximum Loan Value\">Varies according to financial need &amp; nationality of applicants, and fund availability.<\/td><\/tr><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">3<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\"><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-overseas-exposure-programmes\" target=\"_blank\" rel=\"noopener\">Overseas Student Exchange Programme Loan\u202f(OSEP)<\/a>. Please apply <a href=\"http:\/\/www.nus.edu.sg\/oam\/financial-aid\/application\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Maximum Loan Value\">Maximum of $3,000 per semester.<\/td><\/tr><\/tbody><\/table><p>*Note: The HESL \u2013 Balance Fee Coverage is applicable to Singapore citizens only. The HESL \u2013 Base Provision and Balance Fee Coverage will not be applicable if tuition fee is already covered fully by a scholarship\/ NUS Bursary\/ MENDAKI Tertiary Tuition Fee Subsidy\/ CPF Education Loan Scheme (CELS)\/ Higher Education Community Bursary\/ Higher Education Bursary\/any other aid provisions\/awards.<br \/><br \/>For Medicine\/Dentistry students, the Higher Education Community\/ Higher Education Bursary will be used to offset your tuition fee first (before the HESL \u2013 Base Provision and Balance Fee Coverage).<\/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=\"e-n-accordion-item-2243\" 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=\"e-n-accordion-item-2243\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> If my application is approved, how long does my loan award last? \/ <br>When can I expect to receive the disbursement updated in my Education Records System (EduRec) Student Account? <\/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-2243\" class=\"elementor-element elementor-element-02f57af e-con-full e-flex e-con e-child\" data-id=\"02f57af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f198c3c elementor-widget elementor-widget-text-editor\" data-id=\"f198c3c\" data-element_type=\"widget\" data-e-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>Subject to the proper execution of your loan agreement(s), the Award Period \/ period of disbursement for the various loan schemes are as follows:<\/p><table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\"><thead><tr><th rowspan=\"3\" valign=\"top\">S\/N<\/th><th rowspan=\"3\" valign=\"top\">Loan Scheme<\/th><th rowspan=\"3\" valign=\"top\">Award Period<\/th><th colspan=\"4\" valign=\"top\">Estimated Time when Disbursement<sup>#<\/sup>\u00a0is updated in Edurec Student Account<\/th><\/tr><tr><th colspan=\"2\" valign=\"top\">Students awarded in Prior Academic Year<\/th><th colspan=\"2\" valign=\"top\">Students awarded during Application Period in Current Academic Year<\/th><\/tr><tr><th valign=\"top\">Semester 1<br \/>(Aug &#8211; Dec)<\/th><th valign=\"top\">Semester 2<br \/>(Jan &#8211; May)<\/th><th valign=\"top\">Semester 1<br \/>(Aug &#8211; Dec)<\/th><th valign=\"top\">Semester 2<br \/>(Jan &#8211; May)<\/th><\/tr><\/thead><tbody><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">1<sup>*<\/sup><\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\"><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\" target=\"_blank\" rel=\"noopener\">Higher Education Student Loan (HESL)<\/a><\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Award Period\">Full duration of study in NUS<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">Early to mid-August<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">Mid to end January<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded during Application Period in Current Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">Within 2 weeks of loan approval in SLSG<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded during Application Period in Current Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">Within 2 weeks of loan approval in SLSG<\/td><\/tr><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">2<sup>*<\/sup><\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\"><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/tuition-fee-loan\" target=\"_blank\" rel=\"noopener\">MOE Tuition Fee Loan (TFL)<\/a><\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Award Period\">Full duration of study in NUS<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">Early to mid-August<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">Mid to end January<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded during Application Period in Current Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">Not applicable<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded during Application Period in Current Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">Not applicable<\/td><\/tr><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">3<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\"><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/nus-study-loan\" target=\"_blank\" rel=\"noopener\">MOE Study Loan (SL)<\/a><\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Award Period\">Full duration of study in NUS<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">End August to early September<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">Mid to end January<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded during Application Period in Current Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">Not applicable<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded during Application Period in Current Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">Not applicable<\/td><\/tr><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">4<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\"><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-hostel-fees\/nus-student-assistance-loan\" target=\"_blank\" rel=\"noopener\">NUS Student Assistance Loan (SAL)<\/a><\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Award Period\">Full duration of study in NUS<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">Late August to September<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">Late January to February<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded during Application Period in Current Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">Within 2 weeks from completion of signing of loan agreement in early September<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded during Application Period in Current Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">Within 2 weeks from completion of signing of loan agreement which is on an ad-hoc basis<\/td><\/tr><tr><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"S\/N\">5<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Loan Scheme\"><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-overseas-exposure-programmes\" target=\"_blank\" rel=\"noopener\">Overseas Student Exchange Programme Loan (OSEP)<\/a><\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Award Period\"><p>Per Exchange Programme basis;<\/p><p>Re-application needed<\/p><\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">N.A.<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded in Prior Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">N.A.<\/td><td style=\"box-sizing: border-box; font-family: arial; padding: 8px; font-size: inherit; line-height: 1.42857; vertical-align: top; border-top: 1px solid #dddddd;\" colspan=\"2\" data-label=\"Estimated Time Disbursement&lt;sup&gt;#&lt;\/sup&gt; is updated in Student Account (Students awarded during Application Period in Current Academic Year - Semester 1&lt;br\/&gt;(Aug - Dec))\">Within 2 weeks of the loan agreement\u2019s signed date<\/td><\/tr><\/tbody><\/table><p><sup>*<\/sup> For Graduate Students, please see\u202f<a href=\"https:\/\/nusgs.nus.edu.sg\/tuition-fee-loan-scheme\/\" target=\"_blank\" rel=\"noopener\">https:\/\/nusgs.nus.edu.sg\/tuition-fee-loan-scheme\/<\/a> for TFL and <a href=\"https:\/\/nusgs.nus.edu.sg\/financial-aid\/\" target=\"_blank\" rel=\"noopener\">https:\/\/nusgs.nus.edu.sg\/financial-aid\/<\/a> for HESL.<\/p><p><sup>#<\/sup> See also\u202f<a href=\"http:\/\/www.nus.edu.sg\/oam\/financial-aid\/financial-aid-calendar\" target=\"_blank\" rel=\"noopener\">Financial Aid Calendar and Disbursement Schedule<\/a><\/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=\"e-n-accordion-item-2244\" 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=\"e-n-accordion-item-2244\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I was awarded MOE Tuition Fee Loan (TFL)\/Higher Education Student Loan (HESL) Base Provision in the previous semester. I just logged in to Education Records System (EduRec) to see my Student Bill (before classes start), but there is no TFL\/ HESL-Base Provision for this semester. Why is this so?  <\/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-2244\" class=\"elementor-element elementor-element-6f9ee22 e-flex e-con-boxed e-con e-child\" data-id=\"6f9ee22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98443e1 elementor-widget elementor-widget-text-editor\" data-id=\"98443e1\" data-element_type=\"widget\" data-e-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\tThis is your Preliminary Bill. TFL\/ HESL-Base Provision is only updated at the start of the semester. Please check your Student Bill after term starts. You may refer to the table above for the estimated time when disbursement is updated in EduRec Student Account. \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-2245\" 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-2245\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I have been awarded the MOE Study Loan (SL), NUS Student Assistance Loan (SAL) and a bursary. But my Student Bill does not show the loans and bursary awarded. Why? <\/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-2245\" class=\"elementor-element elementor-element-159e31c e-flex e-con-boxed e-con e-child\" data-id=\"159e31c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-663cbb0 elementor-widget elementor-widget-text-editor\" data-id=\"663cbb0\" data-element_type=\"widget\" data-e-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\tSL, SAL, bursaries and grants are grouped under \u201cOther Loans &#038; Awards\u201d in the Student Bill, which shows the total of all amounts awarded. To see the breakdown of this row, please go to \u201cView Financial Aid\u201d in EduRec. SL and SAL disbursements are reflected in your Student Bill about 2 weeks after the respective loan agreement has been signed. Until the disbursements are updated, the amount under \u201cOther Loans &#038; Awards\u201d in your Student Bill will not reflect the amounts for SL and SAL.\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-2246\" 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-2246\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I have been awarded MOE Tuition Fee Loan (TFL) and MOE Study Loan (SL). But there is still outstanding amount in my Student Bill. Why? <\/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-2246\" class=\"elementor-element elementor-element-7cd8949 e-flex e-con-boxed e-con e-child\" data-id=\"7cd8949\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-792b12d elementor-widget elementor-widget-text-editor\" data-id=\"792b12d\" data-element_type=\"widget\" data-e-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>MOE TFL covers only the 90% of the Singapore Citizen subsidised Tuition Fee payable and\u202f<strong>does not cover<\/strong>\u202f<a href=\"http:\/\/www.nus.edu.sg\/registrar\/administrative-policies-procedures\/undergraduate\/undergraduate-fees\">Miscellaneous Student Fees\u202f(MSF)<\/a>. MOE SL covers 10% or 20% of the Singapore Citizen rate, and is grouped under \u201cOther Loans &amp; Awards\u201d in the Student Bill. Hence, the amount not covered by TFL and SL remains outstanding and is payable. Please apply for GIRO so that your fees not covered by your loans 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\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-2247\" 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-2247\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I have been awarded Higher Education Student Loan (HESL) Base Provision and Balance Fee Coverage. But there is still outstanding amount in my Student Bill. Why? <\/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-2247\" class=\"elementor-element elementor-element-ae7d86c e-flex e-con-boxed e-con e-child\" data-id=\"ae7d86c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69ab0ec elementor-widget elementor-widget-text-editor\" data-id=\"69ab0ec\" data-element_type=\"widget\" data-e-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>HESL Base Provision and Balance Fee Coverage only covers up to a percentage of the subsidised Tuition Fee payable for your citizenship and\u202f<strong>does not cover<\/strong>\u202f<a href=\"http:\/\/www.nus.edu.sg\/registrar\/administrative-policies-procedures\/undergraduate\/undergraduate-fees\" target=\"_blank\" rel=\"noopener\">Miscellaneous Student Fees\u202f(MSF)<\/a>. Hence, the amount not covered by HESL Base Provision and Balance Fee Coverage remains outstanding and is payable. Please apply for GIRO so that your fees not covered by your loans 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\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-2248\" 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-2248\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I am an international student. I have checked my Student Bill and the MOE Tuition Fee Loan (TFL) is not 90% of my Tuition Fee. Why? <\/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-2248\" class=\"elementor-element elementor-element-7de0459 e-flex e-con-boxed e-con e-child\" data-id=\"7de0459\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9fee50 elementor-widget elementor-widget-text-editor\" data-id=\"a9fee50\" data-element_type=\"widget\" data-e-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>This is because the MOE TFL is based on 90% of the\u202f<strong>Singapore Citizen subsidised Tuition Fee<\/strong>. Please apply for GIRO so that your fees not covered by loans 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\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-2249\" 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-2249\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How is the MOE Study Loan (SL) (Tuition Fee portion) disbursed to me? Will this amount be credited to me or will it be used to offset against my school fees directly? <\/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-2249\" class=\"elementor-element elementor-element-0760974 e-flex e-con-boxed e-con e-child\" data-id=\"0760974\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db3cc4a elementor-widget elementor-widget-text-editor\" data-id=\"db3cc4a\" data-element_type=\"widget\" data-e-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>Your SL (Tuition Fee portion) will be disbursed to you under \u201cOther Loans &amp; Awards\u201d of your Student Bill. MOE SL disbursement (Tuition Fee portion) is 10% or 20% of the subsidised Tuition Fees amount payable by Singapore Citizens and it is offset directly against the Tuition Fees payable by you.<\/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-22410\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22410\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> When will I receive my Higher Education Student Loan (HESL) Living Allowance \/ MOE Study Loan (SL) allowance \/ NUS Student Assistance Loan (SAL) amount?  <\/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-22410\" class=\"elementor-element elementor-element-3120bc8 e-flex e-con-boxed e-con e-child\" data-id=\"3120bc8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9f817e elementor-widget elementor-widget-text-editor\" data-id=\"a9f817e\" data-element_type=\"widget\" data-e-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\tHESL Living Allowance\/SL allowance\/SAL will first be offset against any outstanding fees due by you (including outstanding fees from prior terms, miscellaneous student fees, hostel fees etc.). If there is a credit balance after all your fees are paid, the amount will then be credited to your Receiving bank account by the timelines within 4-6 weeks after the agreement signed date (for first-time applicants) and by end Sep (for Semester 1)\/Feb (for Semester 2) for subsequent semesters. \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-22411\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"12\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22411\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> When will I receive my Overseas Student Exchange Programme (OSEP) amount? <\/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-22411\" class=\"elementor-element elementor-element-c0ffc24 e-flex e-con-boxed e-con e-child\" data-id=\"c0ffc24\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1dea5e4 elementor-widget elementor-widget-text-editor\" data-id=\"1dea5e4\" data-element_type=\"widget\" data-e-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 amount will be credited into your bank account within 2 weeks of the loan agreement signed date.<\/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-22412\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"13\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22412\" >\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 view the total loan amounts disbursed to me over the years? <\/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-22412\" class=\"elementor-element elementor-element-00819cf e-flex e-con-boxed e-con e-child\" data-id=\"00819cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1167ff elementor-widget elementor-widget-text-editor\" data-id=\"c1167ff\" data-element_type=\"widget\" data-e-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 view the total loan amounts disbursed,<\/p><ol type=\"a\"><li>Login to\u00a0<a href=\"https:\/\/myedurec.nus.edu.sg\/\" target=\"_blank\" rel=\"noopener\">Education Records System<\/a>\u00a0(EduRec)<\/li><li>Click &#8220;My Homepage&#8221; for drop-down menu<\/li><li>Select &#8220;Financial Self Services&#8221;<\/li><li>Click &#8220;View Financial Aid Disbursed&#8221;<\/li><li>Click &#8220;View All&#8221; to display all line items<\/li><li>Click &#8220;FA Code&#8221; to sort by the various financial aids disbursed<\/li><li>Add the amounts for the applicable line items to find the total amounts disbursed (e.g. MOE Tuition Fee Loan, MOE Study Loan)<\/li><\/ol>\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-22413\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"14\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22413\" >\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 check my loan outstanding amount? <\/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-22413\" class=\"elementor-element elementor-element-3ff2a1b e-flex e-con-boxed e-con e-child\" data-id=\"3ff2a1b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82774fb elementor-widget elementor-widget-text-editor\" data-id=\"82774fb\" data-element_type=\"widget\" data-e-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\tTo check loan outstanding amount,\n<table>\n<thead>\n<tr>\n<th>Loan Scheme<\/th>\n<th>Check with:<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\" target=\"_blank\" rel=\"noopener\">Higher Education Student Loan (HESL)<\/a><\/td>\n<td><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u202for\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/tuition-fee-loan\" target=\"_blank\" rel=\"noopener\">MOE Tuition Fee Loan\u202f(TFL)<\/a><\/td>\n<td><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u202for\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/nus-study-loan\" target=\"_blank\" rel=\"noopener\">MOE Study Loan\u202f(SL) <\/a><\/td>\n<td><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u202for\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-hostel-fees\/nus-student-assistance-loan\" target=\"_blank\" rel=\"noopener\">NUS Student Assistance Loan\u202f(SAL)<\/a><\/td>\n<td><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/nus.edu.sg\/gro\/financing\/loans\/higher-education-student-loan---overseas-student-programme-loan-(hesl-ospl)\" target=\"_blank\" rel=\"noopener\">Overseas Student Programme Loan\u202f(OSP)*<\/a><\/td>\n<td><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-overseas-exposure-programmes\" target=\"_blank\" rel=\"noopener\">Overseas Student Exchange Programme Loan\u202f(OSEP)<\/a><\/td>\n<td>\n<ul>\n \t<li>Login to\u202fEducation Records System\u202fto check the disbursed amount.<\/li>\n \t<li>If you have just graduated, please refer to the letter\/email that NUS sent to you.<\/li>\n \t<li>If you have made repayments, please log a case via\u202four\u202fFAQ Portal\u202fto ascertain the outstanding amount.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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-22414\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"15\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22414\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What do I do if I need to change guarantors for my Higher Education Student Loan (HESL)\/MOE Tuition Fee Loan (TFL) and\/or MOE Study Loan (SL)?  <\/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-22414\" class=\"elementor-element elementor-element-6ce4d8e e-flex e-con-boxed e-con e-child\" data-id=\"6ce4d8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c39c7a7 elementor-widget elementor-widget-text-editor\" data-id=\"c39c7a7\" data-element_type=\"widget\" data-e-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>Students are\u00a0<strong>not allowed<\/strong>\u00a0to change their guarantor\u00a0<strong>except<\/strong>\u00a0in the event of bankruptcy, death, insanity or disability of the guarantor, for which the student is required to:<\/p><ul><li>inform the bank immediately in writing, and<\/li><li>appoint an alternative guarantor acceptable to the bank within one month from the occurrence of the event incapacitating the existing guarantor<\/li><\/ul>\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-22415\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"16\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22415\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What do I need to do if I want to terminate the HESL (Base Provision)\/MOE Tuition Fee Loan (TFL) in the middle of my course of study? <\/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-22415\" class=\"elementor-element elementor-element-e9980ff e-flex e-con-boxed e-con e-child\" data-id=\"e9980ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd17537 elementor-widget elementor-widget-text-editor\" data-id=\"dd17537\" data-element_type=\"widget\" data-e-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\tYou may not need HESL (Base Provision)\/TFL disbursements to pay Tuition Fee if you have been awarded a scholarship after signing up for HESL (Base Provision)\/TFL scheme. To terminate or suspend the HESL\/TFL disbursements, you will need to contact:\n<ul>\n<li>Your HESL\/TFL-administering bank (<a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\">DBS Bank<\/a>\u202f\/\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\">OCBC Bank<\/a>) for advice on loan termination procedures, and<\/li>\n<li>NUS Office of Finance at\u202four\u202f<a href=\"https:\/\/faq.nus.edu.sg\/\">FAQ Portal<\/a> for updating of your Student Account<\/li>\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-22416\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"17\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22416\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I have accepted HESL (Balance Fee Coverage\/Living Allowance Loan)\/MOE Study Loan (SL)\/NUS Student Assistance Loan (SAL). Can I withdraw \/ cancel \/ suspend it?  <\/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-22416\" class=\"elementor-element elementor-element-f17d635 e-flex e-con-boxed e-con e-child\" data-id=\"f17d635\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-549ef51 elementor-widget elementor-widget-text-editor\" data-id=\"549ef51\" data-element_type=\"widget\" data-e-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>You can call or write in to Office of Financial Aid (OFA) at:<\/p><ul><li>Undergraduate Financial Aid website:\u00a0<a href=\"http:\/\/www.nus.edu.sg\/financialaid\" target=\"_blank\" rel=\"noopener\">http:\/\/www.nus.edu.sg\/financialaid<\/a><\/li><li><img decoding=\"async\" class=\"alignnone size-medium wp-image-2615\" src=\"https:\/\/www.nus.edu.sg\/finance\/wp-content\/uploads\/2025\/07\/phone-icon-300x300.png\" alt=\"\" width=\"15\" height=\"15\" srcset=\"https:\/\/www.nus.edu.sg\/finance\/wp-content\/uploads\/2025\/07\/phone-icon-300x300.png 300w, https:\/\/www.nus.edu.sg\/finance\/wp-content\/uploads\/2025\/07\/phone-icon-150x150.png 150w, https:\/\/www.nus.edu.sg\/finance\/wp-content\/uploads\/2025\/07\/phone-icon.png 512w\" sizes=\"(max-width: 15px) 100vw, 15px\" \/> <a href=\"tel:+6565162870\">(65) 6516 2870<\/a><\/li><\/ul>\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-22417\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"18\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22417\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I will be graduating in the coming semester. How do I make repayment for my student loans? <\/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-22417\" class=\"elementor-element elementor-element-e790c9c e-flex e-con-boxed e-con e-child\" data-id=\"e790c9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23b0c92 elementor-widget elementor-widget-text-editor\" data-id=\"23b0c92\" data-element_type=\"widget\" data-e-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<div class=\"ewa-rteLine\"><span class=\"selection-contrast\">For the loan schemes listed in the table below, the banks will send you a letter upon your graduation, informing you of the repayment process and loan amount to repay. You can also contact the relevant banks directly. If you wish to make full repayment of your HESL, TFL, SL, SAL or OSPL before your graduation status is reported to the bank, you can do so from June (for students graduating in Semester 2) and December (for students graduating in Semester 1) by making a request at the bank for full repayment and closure of your loan account.\u202f<strong>Please do not mention<\/strong>\u202fyour graduated status to the bank, as they will check against their record (which is still flagged as \u2018active\u2019) and will ask you to check with NUS, hence, delaying your repayment request.<\/span><\/div>\n<div><\/div>\n<div>\n<table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<thead>\n<tr>\n<th valign=\"top\"><\/th>\n<th valign=\"top\"><center>For Borrowers who graduate during or at the end of:<\/center><\/th>\n<th valign=\"top\"><center>Graduation status will be updated by the bank by:<\/center><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>a)<\/td>\n<td>Semester 1<\/td>\n<td>end Apr of the year following graduation<\/td>\n<\/tr>\n<tr>\n<td>b)<\/td>\n<td>Semester 2<\/td>\n<td>end Sep in the year of graduation<\/td>\n<\/tr>\n<tr>\n<td>c)<\/td>\n<td>Special Term Part 1<\/td>\n<td>end Oct in the year of graduation<\/td>\n<\/tr>\n<tr>\n<td>d)<\/td>\n<td>Special Term Part 2<\/td>\n<td>end Nov in the year of graduation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\nYou can also contact the relevant banks directly:\n<table>\n<thead>\n<tr>\n<th>Loan Scheme<\/th>\n<th>Check with:<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\" target=\"_blank\" rel=\"noopener\">Higher Education Student Loan (HESL)<\/a><\/td>\n<td><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u202for\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/tuition-fee-loan\" target=\"_blank\" rel=\"noopener\">MOE Tuition Fee Loan\u202f(TFL)<\/a><\/td>\n<td><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u202for\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/nus-study-loan\" target=\"_blank\" rel=\"noopener\">MOE Study Loan\u202f(SL) <\/a><\/td>\n<td><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u202for\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-hostel-fees\/nus-student-assistance-loan\" target=\"_blank\" rel=\"noopener\">NUS Student Assistance Loan\u202f(SAL)<\/a><\/td>\n<td><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/nus.edu.sg\/gro\/financing\/loans\/higher-education-student-loan---overseas-student-programme-loan-(hesl-ospl)\" target=\"_blank\" rel=\"noopener\">Overseas Student Programme Loan\u202f(OSP)*<\/a><\/td>\n<td><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nStudents who have left NUS and have credit balance in their Post-Secondary Education Account (PSEA) may also opt to use the PSEA funds for payment of their outstanding HESL, MOE TFL, MOE SL and OSP Loan. For more details, please refer to PSEA website at\u202f<a href=\"https:\/\/www.moe.gov.sg\/financial-matters\/psea\/funds-balance-and-usage\" target=\"_blank\" rel=\"noopener\">https:\/\/www.moe.gov.sg\/financial-matters\/psea\/funds-balance-and-usage<\/a>.\n\nFor OSEP, NUS will send you a letter upon your graduation to inform you of the repayment options and loan amount to repay directly to NUS <strong>either by<\/strong>:\n<ul>\n \t<li>GIRO instalment, or<\/li>\n \t<li>Funds transfer to the NUS Bank Account below. <strong>Please indicate your A-series Student Number, followed by \u201cOSEP\u201d in the reference field of the transactions.<\/strong><\/li>\n<\/ul>\n<table width=\"100px\">\n<tbody>\n<tr>\n<td>NUS Bank Account Name<\/td>\n<td>National University Of Singapore<\/td>\n<\/tr>\n<tr>\n<td>NUS Bank Account Number<\/td>\n<td>032-000313-3<\/td>\n<\/tr>\n<tr>\n<td>Beneficiary\u2019s Bank<\/td>\n<td>DBS Bank Ltd, Singapore<\/td>\n<\/tr>\n<tr>\n<td>Branch<\/td>\n<td>Buona Vista<\/td>\n<\/tr>\n<tr>\n<td>Bank Address<\/td>\n<td>12 Marina Boulevard, DBS Asia Central, Marina Bay Financial Centre Tower 3, Singapore 018982<\/td>\n<\/tr>\n<tr>\n<td>Swift Code For TT<\/td>\n<td>DBSSSGSG<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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-22418\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"19\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22418\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I ask for a deferment to repay my student loan when it is due? <\/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-22418\" class=\"elementor-element elementor-element-0faaf6a e-flex e-con-boxed e-con e-child\" data-id=\"0faaf6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-360d0d0 elementor-widget elementor-widget-text-editor\" data-id=\"360d0d0\" data-element_type=\"widget\" data-e-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\tPlease contact the relevant banks regarding your request:\n<table>\n<thead>\n<tr>\n<th>Loan Scheme<\/th>\n<th>Check with:<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\" target=\"_blank\" rel=\"noopener\">Higher Education Student Loan (HESL)<\/a><\/td>\n<td><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u202for\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/tuition-fee-loan\" target=\"_blank\" rel=\"noopener\">MOE Tuition Fee Loan\u202f(TFL)<\/a><\/td>\n<td><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u202for\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\/nus-study-loan\" target=\"_blank\" rel=\"noopener\">MOE Study Loan\u202f(SL) <\/a><\/td>\n<td><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u202for\u202f<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-hostel-fees\/nus-student-assistance-loan\" target=\"_blank\" rel=\"noopener\">NUS Student Assistance Loan\u202f(SAL)<\/a><\/td>\n<td><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/nus.edu.sg\/gro\/financing\/loans\/higher-education-student-loan---overseas-student-programme-loan-(hesl-ospl)\" target=\"_blank\" rel=\"noopener\">Overseas Student Programme Loan\u202f(OSP)*<\/a><\/td>\n<td><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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-22419\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"20\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22419\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I use the funds in my Post-Secondary Education Account (PSEA) for repayment of loans taken during my course of study at NUS? <\/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-22419\" class=\"elementor-element elementor-element-621ec7d e-flex e-con-boxed e-con e-child\" data-id=\"621ec7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f86691 elementor-widget elementor-widget-text-editor\" data-id=\"9f86691\" data-element_type=\"widget\" data-e-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\tYes. Students who have left NUS and have outstanding loans repayable under the Higher Education Student Loan (HESL) \/ MOE Tuition Fee Loan (TFL) \/ MOE Study Loan (SL) \/ Overseas Student Programme (OSP) and CPF Education Loan Scheme (CELS) may use PSEA funds for loan repayment. However, do note that you can only do this after your status has been updated as \u201cGraduated\u201d\/ \u201cDismissed\u201d\/ \u201cWithdrawn\u201d by the banks, which takes place 1 month before the interest commencement dates.\n<div>\n<table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<thead>\n<tr>\n<th valign=\"top\"><\/th>\n<th valign=\"top\"><center>For Borrowers who graduate during or at the end of:<\/center><\/th>\n<th valign=\"top\"><center>Graduation status will be updated by the bank by:<\/center><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>a)<\/td>\n<td>Semester 1<\/td>\n<td>end Apr of the year following graduation<\/td>\n<\/tr>\n<tr>\n<td>b)<\/td>\n<td>Semester 2<\/td>\n<td>end Sep in the year of graduation<\/td>\n<\/tr>\n<tr>\n<td>c)<\/td>\n<td>Special Term Part 1<\/td>\n<td>end Oct in the year of graduation<\/td>\n<\/tr>\n<tr>\n<td>d)<\/td>\n<td>Special Term Part 2<\/td>\n<td>end Nov in the year of graduation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nFor more details, please refer to PSEA website <a href=\"https:\/\/www.moe.gov.sg\/financial-matters\/psea\/funds-balance-and-usage\/loans-and-approved-financing-scheme\">here<\/a>\n\n<\/div>\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-22420\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"21\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22420\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How can I make full repayment of my Higher Education Student Loan (HESL) \/ MOE Tuition Fee Loan (TFL) \/ MOE Study Loan (SL) and close the Loan account?  <\/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-22420\" class=\"elementor-element elementor-element-1231773 e-flex e-con-boxed e-con e-child\" data-id=\"1231773\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0637f27 elementor-widget elementor-widget-text-editor\" data-id=\"0637f27\" data-element_type=\"widget\" data-e-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\tYou can proceed to any bank branch to make a request for full repayment and closure of your HESL\/TFL\/SL account at any time. However, if you have HESL\/TFL\/SL disbursement in the current semester and you are graduating in the current semester, you can request for full repayment and closure of your HESL\/TFL\/SL account from June (for students graduating in Semester 2) and December (for students graduating in Semester 1) so that the current semester\u2019s disbursement is included in your total disbursement amount.\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-22421\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"22\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-22421\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I am graduating in this semester, may I know when the interest will commence for my Higher Education Student Loan (HESL) \/ MOE Tuition Fee Loan (TFL) \/ MOE Study Loan (SL) \/ Overseas Student Programme Loan (OSPL)?  <\/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-22421\" class=\"elementor-element elementor-element-5ded524 e-flex e-con-boxed e-con e-child\" data-id=\"5ded524\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97fff57 elementor-widget elementor-widget-text-editor\" data-id=\"97fff57\" data-element_type=\"widget\" data-e-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\tYou may refer to the table below for the interest commencement dates.\n<div>\n<table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<thead>\n<tr>\n<th valign=\"top\"><\/th>\n<th valign=\"top\"><center>For Borrowers who graduate during or at the end of:<\/center><\/th>\n<th valign=\"top\"><center>Interest shall begin to accrue on:<\/center><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>a)<\/td>\n<td>Semester 1<\/td>\n<td>1st May of the year following graduation<\/td>\n<\/tr>\n<tr>\n<td>b)<\/td>\n<td>Semester 2<\/td>\n<td>1st Oct in the year of graduation<\/td>\n<\/tr>\n<tr>\n<td>c)<\/td>\n<td>Special Term Part 1<\/td>\n<td>1st Nov in the year of graduation<\/td>\n<\/tr>\n<tr>\n<td>d)<\/td>\n<td>Special Term Part 2<\/td>\n<td>1st Dec in the year of graduation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\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\":\"How do I know whether my student loan application is approved?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For Higher Education Student Loan (HESL), student and your guarantor will receive an email notification to e-sign your HESL agreement if your application is approved. You can log in to StudentLoanSG (SLSG) portal (from 29 July 2026, 10am) to find out the status of your HESL application.  \\nFor the other student loans such as\\u202fNUS Student Assistance Loan\\u202f(SAL) and\\u202fOverseas Student Exchange Programme Loan\\u202f(OSEP), application is approved with the issuance of the respective Letter of Offer.\\nHence, it is important that you update your contact details in\\u202fEducation Records System\\u202fand with the relevant banks (DBS Bank\\u202f\\\/\\u202fOCBC Bank) so that you can be contacted for any clarification on your loan application.\"}},{\"@type\":\"Question\",\"name\":\"How long does it take for my student loan application to be approved?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For Higher Education Student Loan (HESL), please refer to the StudentLoanSG (SLSG) portal (from 29 July 2026, 10am) for the application process and timeline.For SAL, it takes about 2-3 weeks for the bank to process your application, after you and your guarantor have signed it digitally.\"}},{\"@type\":\"Question\",\"name\":\"What is the maximum loan value for the various student loans?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\u00a0Loan SchemeMaximum Loan Amount1aHESL Base Provision*Applying only for Base Provision &#8211; Please apply via the StudentLoanSG (SLSG) portal (available from 29 July 2026 10am).Applying for Base Provision together with Balance Fee Coverage and\\\/or Living Allowance &#8211; Please apply for Financial Aid here.Singapore Citizens: Up to 90% of the subsidised tuition fee payable by Singapore Citizens.Singapore Permanent Resident:\\u202fUp to 65% of subsidised tuition fee payable by Singapore Permanent Residents.International Students:\\u202fUp to 45% of subsidised tuition fee payable by International Students.1bHESL Balance Fee Coverage*Singapore Citizens: Covers remaining 10% of subsidised tuition fee payable by Singapore Citizens.1cHESL Living Allowance LoanUp to $4,100 per academic year.1dHESL Overseas Student Programme\\u202f(OSP) &#8211; Administered by the Global Relations Office (GRO). Please apply for HESL-OSP here.Up to S$12,000 to cover the cost of institution-approved overseas student programme.Students can only take up this loan once during course of undergraduate study.2NUS Student Assistance Loan\\u202f(SAL). Please apply\\u202fhere.Varies according to financial need &amp; nationality of applicants, and fund availability.3Overseas Student Exchange Programme Loan\\u202f(OSEP). Please apply here.Maximum of $3,000 per semester.*Note: The HESL \\u2013 Balance Fee Coverage is applicable to Singapore citizens only. The HESL \\u2013 Base Provision and Balance Fee Coverage will not be applicable if tuition fee is already covered fully by a scholarship\\\/ NUS Bursary\\\/ MENDAKI Tertiary Tuition Fee Subsidy\\\/ CPF Education Loan Scheme (CELS)\\\/ Higher Education Community Bursary\\\/ Higher Education Bursary\\\/any other aid provisions\\\/awards.For Medicine\\\/Dentistry students, the Higher Education Community\\\/ Higher Education Bursary will be used to offset your tuition fee first (before the HESL \\u2013 Base Provision and Balance Fee Coverage).\"}},{\"@type\":\"Question\",\"name\":\"If my application is approved, how long does my loan award last? \\\/ When can I expect to receive the disbursement updated in my Education Records System (EduRec) Student Account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Subject to the proper execution of your loan agreement(s), the Award Period \\\/ period of disbursement for the various loan schemes are as follows:S\\\/NLoan SchemeAward PeriodEstimated Time when Disbursement#\\u00a0is updated in Edurec Student AccountStudents awarded in Prior Academic YearStudents awarded during Application Period in Current Academic YearSemester 1(Aug &#8211; Dec)Semester 2(Jan &#8211; May)Semester 1(Aug &#8211; Dec)Semester 2(Jan &#8211; May)1*Higher Education Student Loan (HESL)Full duration of study in NUSEarly to mid-AugustMid to end JanuaryWithin 2 weeks of loan approval in SLSGWithin 2 weeks of loan approval in SLSG2*MOE Tuition Fee Loan (TFL)Full duration of study in NUSEarly to mid-AugustMid to end JanuaryNot applicableNot applicable3MOE Study Loan (SL)Full duration of study in NUSEnd August to early SeptemberMid to end JanuaryNot applicableNot applicable4NUS Student Assistance Loan (SAL)Full duration of study in NUSLate August to SeptemberLate January to FebruaryWithin 2 weeks from completion of signing of loan agreement in early SeptemberWithin 2 weeks from completion of signing of loan agreement which is on an ad-hoc basis5Overseas Student Exchange Programme Loan (OSEP)Per Exchange Programme basis;Re-application neededN.A.N.A.Within 2 weeks of the loan agreement\\u2019s signed date* For Graduate Students, please see\\u202fhttps:\\\/\\\/nusgs.nus.edu.sg\\\/tuition-fee-loan-scheme\\\/ for TFL and https:\\\/\\\/nusgs.nus.edu.sg\\\/financial-aid\\\/ for HESL.# See also\\u202fFinancial Aid Calendar and Disbursement Schedule\"}},{\"@type\":\"Question\",\"name\":\"I was awarded MOE Tuition Fee Loan (TFL)\\\/Higher Education Student Loan (HESL) Base Provision in the previous semester. I just logged in to Education Records System (EduRec) to see my Student Bill (before classes start), but there is no TFL\\\/ HESL-Base Provision for this semester. Why is this so?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This is your Preliminary Bill. TFL\\\/ HESL-Base Provision is only updated at the start of the semester. Please check your Student Bill after term starts. You may refer to the table above for the estimated time when disbursement is updated in EduRec Student Account.\"}},{\"@type\":\"Question\",\"name\":\"I have been awarded the MOE Study Loan (SL), NUS Student Assistance Loan (SAL) and a bursary. But my Student Bill does not show the loans and bursary awarded. Why?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"SL, SAL, bursaries and grants are grouped under \\u201cOther Loans &#038; Awards\\u201d in the Student Bill, which shows the total of all amounts awarded. To see the breakdown of this row, please go to \\u201cView Financial Aid\\u201d in EduRec. SL and SAL disbursements are reflected in your Student Bill about 2 weeks after the respective loan agreement has been signed. Until the disbursements are updated, the amount under \\u201cOther Loans &#038; Awards\\u201d in your Student Bill will not reflect the amounts for SL and SAL.\"}},{\"@type\":\"Question\",\"name\":\"I have been awarded MOE Tuition Fee Loan (TFL) and MOE Study Loan (SL). But there is still outstanding amount in my Student Bill. Why?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"MOE TFL covers only the 90% of the Singapore Citizen subsidised Tuition Fee payable and\\u202fdoes not cover\\u202fMiscellaneous Student Fees\\u202f(MSF). MOE SL covers 10% or 20% of the Singapore Citizen rate, and is grouped under \\u201cOther Loans &amp; Awards\\u201d in the Student Bill. Hence, the amount not covered by TFL and SL remains outstanding and is payable. Please apply for GIRO so that your fees not covered by your loans and other financial aid will be deducted automatically on the scheduled GIRO deduction dates.\"}},{\"@type\":\"Question\",\"name\":\"I have been awarded Higher Education Student Loan (HESL) Base Provision and Balance Fee Coverage. But there is still outstanding amount in my Student Bill. Why?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"HESL Base Provision and Balance Fee Coverage only covers up to a percentage of the subsidised Tuition Fee payable for your citizenship and\\u202fdoes not cover\\u202fMiscellaneous Student Fees\\u202f(MSF). Hence, the amount not covered by HESL Base Provision and Balance Fee Coverage remains outstanding and is payable. Please apply for GIRO so that your fees not covered by your loans and other financial aid will be deducted automatically on the scheduled GIRO deduction dates.\"}},{\"@type\":\"Question\",\"name\":\"I am an international student. I have checked my Student Bill and the MOE Tuition Fee Loan (TFL) is not 90% of my Tuition Fee. Why?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This is because the MOE TFL is based on 90% of the\\u202fSingapore Citizen subsidised Tuition Fee. Please apply for GIRO so that your fees not covered by loans and other financial aid will be deducted automatically on the scheduled GIRO deduction dates.\"}},{\"@type\":\"Question\",\"name\":\"How is the MOE Study Loan (SL) (Tuition Fee portion) disbursed to me? Will this amount be credited to me or will it be used to offset against my school fees directly?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Your SL (Tuition Fee portion) will be disbursed to you under \\u201cOther Loans &amp; Awards\\u201d of your Student Bill. MOE SL disbursement (Tuition Fee portion) is 10% or 20% of the subsidised Tuition Fees amount payable by Singapore Citizens and it is offset directly against the Tuition Fees payable by you.\"}},{\"@type\":\"Question\",\"name\":\"When will I receive my Higher Education Student Loan (HESL) Living Allowance \\\/ MOE Study Loan (SL) allowance \\\/ NUS Student Assistance Loan (SAL) amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"HESL Living Allowance\\\/SL allowance\\\/SAL will first be offset against any outstanding fees due by you (including outstanding fees from prior terms, miscellaneous student fees, hostel fees etc.). If there is a credit balance after all your fees are paid, the amount will then be credited to your Receiving bank account by the timelines within 4-6 weeks after the agreement signed date (for first-time applicants) and by end Sep (for Semester 1)\\\/Feb (for Semester 2) for subsequent semesters.\"}},{\"@type\":\"Question\",\"name\":\"When will I receive my Overseas Student Exchange Programme (OSEP) amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The amount will be credited into your bank account within 2 weeks of the loan agreement signed date.\"}},{\"@type\":\"Question\",\"name\":\"How do I view the total loan amounts disbursed to me over the years?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To view the total loan amounts disbursed,Login to\\u00a0Education Records System\\u00a0(EduRec)Click &#8220;My Homepage&#8221; for drop-down menuSelect &#8220;Financial Self Services&#8221;Click &#8220;View Financial Aid Disbursed&#8221;Click &#8220;View All&#8221; to display all line itemsClick &#8220;FA Code&#8221; to sort by the various financial aids disbursedAdd the amounts for the applicable line items to find the total amounts disbursed (e.g. MOE Tuition Fee Loan, MOE Study Loan)\"}},{\"@type\":\"Question\",\"name\":\"How do I check my loan outstanding amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To check loan outstanding amount,\\n\\n\\n\\nLoan Scheme\\nCheck with:\\n\\n\\n\\n\\nHigher Education Student Loan (HESL)\\nDBS Bank\\u202for\\u202fOCBC Bank\\n\\n\\nMOE Tuition Fee Loan\\u202f(TFL)\\nDBS Bank\\u202for\\u202fOCBC Bank\\n\\n\\nMOE Study Loan\\u202f(SL) \\nDBS Bank\\u202for\\u202fOCBC Bank\\n\\n\\nNUS Student Assistance Loan\\u202f(SAL)\\nOCBC Bank\\n\\n\\nOverseas Student Programme Loan\\u202f(OSP)*\\nOCBC Bank\\n\\n\\nOverseas Student Exchange Programme Loan\\u202f(OSEP)\\n\\n\\n \\tLogin to\\u202fEducation Records System\\u202fto check the disbursed amount.\\n \\tIf you have just graduated, please refer to the letter\\\/email that NUS sent to you.\\n \\tIf you have made repayments, please log a case via\\u202four\\u202fFAQ Portal\\u202fto ascertain the outstanding amount.\"}},{\"@type\":\"Question\",\"name\":\"What do I do if I need to change guarantors for my Higher Education Student Loan (HESL)\\\/MOE Tuition Fee Loan (TFL) and\\\/or MOE Study Loan (SL)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Students are\\u00a0not allowed\\u00a0to change their guarantor\\u00a0except\\u00a0in the event of bankruptcy, death, insanity or disability of the guarantor, for which the student is required to:inform the bank immediately in writing, andappoint an alternative guarantor acceptable to the bank within one month from the occurrence of the event incapacitating the existing guarantor\"}},{\"@type\":\"Question\",\"name\":\"What do I need to do if I want to terminate the HESL (Base Provision)\\\/MOE Tuition Fee Loan (TFL) in the middle of my course of study?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You may not need HESL (Base Provision)\\\/TFL disbursements to pay Tuition Fee if you have been awarded a scholarship after signing up for HESL (Base Provision)\\\/TFL scheme. To terminate or suspend the HESL\\\/TFL disbursements, you will need to contact:\\n\\nYour HESL\\\/TFL-administering bank (DBS Bank\\u202f\\\/\\u202fOCBC Bank) for advice on loan termination procedures, and\\nNUS Office of Finance at\\u202four\\u202fFAQ Portal for updating of your Student Account\"}},{\"@type\":\"Question\",\"name\":\"I have accepted HESL (Balance Fee Coverage\\\/Living Allowance Loan)\\\/MOE Study Loan (SL)\\\/NUS Student Assistance Loan (SAL). Can I withdraw \\\/ cancel \\\/ suspend it?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can call or write in to Office of Financial Aid (OFA) at:Undergraduate Financial Aid website:\\u00a0http:\\\/\\\/www.nus.edu.sg\\\/financialaid (65) 6516 2870\"}},{\"@type\":\"Question\",\"name\":\"I will be graduating in the coming semester. How do I make repayment for my student loans?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For the loan schemes listed in the table below, the banks will send you a letter upon your graduation, informing you of the repayment process and loan amount to repay. You can also contact the relevant banks directly. If you wish to make full repayment of your HESL, TFL, SL, SAL or OSPL before your graduation status is reported to the bank, you can do so from June (for students graduating in Semester 2) and December (for students graduating in Semester 1) by making a request at the bank for full repayment and closure of your loan account.\\u202fPlease do not mention\\u202fyour graduated status to the bank, as they will check against their record (which is still flagged as \\u2018active\\u2019) and will ask you to check with NUS, hence, delaying your repayment request.\\n\\n\\n\\n\\n\\n\\nFor Borrowers who graduate during or at the end of:\\nGraduation status will be updated by the bank by:\\n\\n\\n\\n\\na)\\nSemester 1\\nend Apr of the year following graduation\\n\\n\\nb)\\nSemester 2\\nend Sep in the year of graduation\\n\\n\\nc)\\nSpecial Term Part 1\\nend Oct in the year of graduation\\n\\n\\nd)\\nSpecial Term Part 2\\nend Nov in the year of graduation\\n\\n\\n\\n\\nYou can also contact the relevant banks directly:\\n\\n\\n\\nLoan Scheme\\nCheck with:\\n\\n\\n\\n\\nHigher Education Student Loan (HESL)\\nDBS Bank\\u202for\\u202fOCBC Bank\\n\\n\\nMOE Tuition Fee Loan\\u202f(TFL)\\nDBS Bank\\u202for\\u202fOCBC Bank\\n\\n\\nMOE Study Loan\\u202f(SL) \\nDBS Bank\\u202for\\u202fOCBC Bank\\n\\n\\nNUS Student Assistance Loan\\u202f(SAL)\\nOCBC Bank\\n\\n\\nOverseas Student Programme Loan\\u202f(OSP)*\\nOCBC Bank\\n\\n\\n\\nStudents who have left NUS and have credit balance in their Post-Secondary Education Account (PSEA) may also opt to use the PSEA funds for payment of their outstanding HESL, MOE TFL, MOE SL and OSP Loan. For more details, please refer to PSEA website at\\u202fhttps:\\\/\\\/www.moe.gov.sg\\\/financial-matters\\\/psea\\\/funds-balance-and-usage.\\n\\nFor OSEP, NUS will send you a letter upon your graduation to inform you of the repayment options and loan amount to repay directly to NUS either by:\\n\\n \\tGIRO instalment, or\\n \\tFunds transfer to the NUS Bank Account below. Please indicate your A-series Student Number, followed by \\u201cOSEP\\u201d in the reference field of the transactions.\\n\\n\\n\\n\\nNUS Bank Account Name\\nNational University Of Singapore\\n\\n\\nNUS Bank Account Number\\n032-000313-3\\n\\n\\nBeneficiary\\u2019s Bank\\nDBS Bank Ltd, Singapore\\n\\n\\nBranch\\nBuona Vista\\n\\n\\nBank Address\\n12 Marina Boulevard, DBS Asia Central, Marina Bay Financial Centre Tower 3, Singapore 018982\\n\\n\\nSwift Code For TT\\nDBSSSGSG\"}},{\"@type\":\"Question\",\"name\":\"Can I ask for a deferment to repay my student loan when it is due?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Please contact the relevant banks regarding your request:\\n\\n\\n\\nLoan Scheme\\nCheck with:\\n\\n\\n\\n\\nHigher Education Student Loan (HESL)\\nDBS Bank\\u202for\\u202fOCBC Bank\\n\\n\\nMOE Tuition Fee Loan\\u202f(TFL)\\nDBS Bank\\u202for\\u202fOCBC Bank\\n\\n\\nMOE Study Loan\\u202f(SL) \\nDBS Bank\\u202for\\u202fOCBC Bank\\n\\n\\nNUS Student Assistance Loan\\u202f(SAL)\\nOCBC Bank\\n\\n\\nOverseas Student Programme Loan\\u202f(OSP)*\\nOCBC Bank\"}},{\"@type\":\"Question\",\"name\":\"Can I use the funds in my Post-Secondary Education Account (PSEA) for repayment of loans taken during my course of study at NUS?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Students who have left NUS and have outstanding loans repayable under the Higher Education Student Loan (HESL) \\\/ MOE Tuition Fee Loan (TFL) \\\/ MOE Study Loan (SL) \\\/ Overseas Student Programme (OSP) and CPF Education Loan Scheme (CELS) may use PSEA funds for loan repayment. However, do note that you can only do this after your status has been updated as \\u201cGraduated\\u201d\\\/ \\u201cDismissed\\u201d\\\/ \\u201cWithdrawn\\u201d by the banks, which takes place 1 month before the interest commencement dates.\\n\\n\\n\\n\\n\\nFor Borrowers who graduate during or at the end of:\\nGraduation status will be updated by the bank by:\\n\\n\\n\\n\\na)\\nSemester 1\\nend Apr of the year following graduation\\n\\n\\nb)\\nSemester 2\\nend Sep in the year of graduation\\n\\n\\nc)\\nSpecial Term Part 1\\nend Oct in the year of graduation\\n\\n\\nd)\\nSpecial Term Part 2\\nend Nov in the year of graduation\\n\\n\\n\\nFor more details, please refer to PSEA website here\"}},{\"@type\":\"Question\",\"name\":\"How can I make full repayment of my Higher Education Student Loan (HESL) \\\/ MOE Tuition Fee Loan (TFL) \\\/ MOE Study Loan (SL) and close the Loan account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can proceed to any bank branch to make a request for full repayment and closure of your HESL\\\/TFL\\\/SL account at any time. However, if you have HESL\\\/TFL\\\/SL disbursement in the current semester and you are graduating in the current semester, you can request for full repayment and closure of your HESL\\\/TFL\\\/SL account from June (for students graduating in Semester 2) and December (for students graduating in Semester 1) so that the current semester\\u2019s disbursement is included in your total disbursement amount.\"}},{\"@type\":\"Question\",\"name\":\"I am graduating in this semester, may I know when the interest will commence for my Higher Education Student Loan (HESL) \\\/ MOE Tuition Fee Loan (TFL) \\\/ MOE Study Loan (SL) \\\/ Overseas Student Programme Loan (OSPL)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You may refer to the table below for the interest commencement dates.\\n\\n\\n\\n\\n\\nFor Borrowers who graduate during or at the end of:\\nInterest shall begin to accrue on:\\n\\n\\n\\n\\na)\\nSemester 1\\n1st May of the year following graduation\\n\\n\\nb)\\nSemester 2\\n1st Oct in the year of graduation\\n\\n\\nc)\\nSpecial Term Part 1\\n1st Nov in the year of graduation\\n\\n\\nd)\\nSpecial Term Part 2\\n1st Dec in the year of graduation\"}}]}<\/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 my student loan application is approved? How long does it take for my student loan application to be approved? What do I do if I need to change guarantors for my Higher Education Student Loan (HESL)\/MOE Tuition [&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":"","ast-disable-related-posts":"","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-990","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages\/990","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=990"}],"version-history":[{"count":59,"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages\/990\/revisions"}],"predecessor-version":[{"id":3630,"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages\/990\/revisions\/3630"}],"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=990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}