{"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":"2025-09-17T13:50:15","modified_gmt":"2025-09-17T05:50:15","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":"Tuition Fee Loan, Study Loan &amp; 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-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63ab0d0d elementor-widget elementor-widget-heading\" data-id=\"63ab0d0d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Student Finance Matters<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f38b266 e-flex e-con-boxed e-con e-parent\" data-id=\"1f38b266\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b3f1de4 e-grid e-con-full e-con e-child\" data-id=\"b3f1de4\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5d78b95 e-con-full e-flex e-con e-child\" data-id=\"5d78b95\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0c15a28 e-con-full e-flex e-con e-child\" data-id=\"0c15a28\" data-element_type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:50,&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky_offset_mobile&quot;:0,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2253e0e nus-sidebar-menu elementor-widget elementor-widget-wp-widget-nav_menu\" data-id=\"2253e0e\" data-element_type=\"widget\" data-widget_type=\"wp-widget-nav_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav class=\"menu-student-finance-matters-financial-aid-loans-sidebar-menu-container\" aria-label=\"Menu\"><ul id=\"menu-student-finance-matters-financial-aid-loans-sidebar-menu\" class=\"menu\"><li id=\"menu-item-918\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-918\"><a aria-expanded=\"false\" href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/\" class=\"menu-link\">Financial Aid &amp; Loans<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-999\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-999\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/disbursement-of-financial-aid\/\" class=\"menu-link\">Disbursement of Financial Aid<\/a><\/li>\n\t<li id=\"menu-item-998\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-998\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/cpf-education-loan-scheme-cels\/\" class=\"menu-link\">CPF Education Loan Scheme (CELS)<\/a><\/li>\n\t<li id=\"menu-item-997\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-997\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/post-secondary-education-account-psea\/\" class=\"menu-link\">Post-Secondary Education Account (PSEA)<\/a><\/li>\n\t<li id=\"menu-item-996\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-996\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/skillsfuture-credit-sfc\/\" class=\"menu-link\">SkillsFuture Credit (SFC)<\/a><\/li>\n\t<li id=\"menu-item-995\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-995\"><a href=\"https:\/\/www.nus.edu.sg\/finance\/students\/student-finance-matters\/financial-aid-loans\/tuition-fee-loan-study-loan-other-student-loan-schemes\/\" class=\"menu-link\">Tuition Fee Loan, Study Loan &amp; Other Student Loan Schemes<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-81c6327 e-con-full e-flex e-con e-child\" data-id=\"81c6327\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-efe1d41 e-con-full e-flex e-con e-child\" data-id=\"efe1d41\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfccea1 expand-all elementor-widget elementor-widget-button\" data-id=\"bfccea1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Expand all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b19fc61 collapse-all elementor-widget elementor-widget-button\" data-id=\"b19fc61\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Collapse all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2488f06f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2488f06f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Aid &amp; Loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff45e55 elementor-widget elementor-widget-heading\" data-id=\"ff45e55\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Popular FAQs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3440114f popular-faq-links elementor-widget elementor-widget-text-editor\" data-id=\"3440114f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><a href=\"#other-load-schemes-1\">How do I know whether my student loan application is approved?<\/a><\/li><li><a href=\"#other-load-schemes-2\">How long does it take for my student loan application to be approved?<\/a><\/li><li><a href=\"#other-load-schemes-13\">What do I do if I need to change guarantors for my MOE Tuition Fee Loan (TFL) and \/ or MOE Study Loan (SL)?<\/a><\/li><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><\/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\">\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-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 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-e56e3ab elementor-widget__width-inherit faq-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"e56e3ab\" data-element_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-3397f3e e-con-full e-flex e-con e-child\" data-id=\"3397f3e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05a505a elementor-widget elementor-widget-text-editor\" data-id=\"05a505a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Application for MOE <a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\" target=\"_blank\" rel=\"noopener\">Tuition Fee Loan<\/a>\u00a0(TFL) is considered pre-approved subject to the:<\/p><ul><li>acceptance of your application form by the bank, and<\/li><li>issuance of the Letter of Offer (contained within the TFL application form)<\/li><\/ul><p>For the other student loans such as MOE Study Loan\u00a0(SL),\u00a0<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<\/a>\u00a0(SAL) and\u00a0<a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-overseas-exposure-programmes\" target=\"_blank\" rel=\"noopener\">Overseas Student Exchange Programme Loan<\/a>\u00a0(OSEP), application is approved with the issuance of the respective Letter of Offer.<\/p><p>Hence, it is important that you update your contact details in\u00a0<a href=\"https:\/\/myedurec.nus.edu.sg\/\" target=\"_blank\" rel=\"noopener\">Education Records System<\/a>\u00a0and with the relevant banks (<a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u00a0\/\u00a0<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">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=\"other-load-schemes-2\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"other-load-schemes-2\" >\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=\"other-load-schemes-2\" class=\"elementor-element elementor-element-c4b7dde e-con-full e-flex e-con e-child\" data-id=\"c4b7dde\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-828faa8 elementor-widget elementor-widget-text-editor\" data-id=\"828faa8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It takes about 3 weeks for the bank to process and inform NUS of your application. A loan agreement needs to be signed before your loan can be disbursed.<\/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-2402\" 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-2402\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> (a) What is the maximum loan value for the various student loans?<br>(b) If my application is approved, how long does my loan award last?<br>(c) When can I expect to receive the disbursement updated in my 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-2402\" class=\"elementor-element elementor-element-7176146 e-con-full e-flex e-con e-child\" data-id=\"7176146\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34e6158 elementor-widget elementor-widget-text-editor\" data-id=\"34e6158\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Depending on whether you are an existing or new loan recipient, and\u00a0<u>subject to the proper execution of your loan agreement(s)<\/u>, the 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\">Maximum Loan Value<\/th><th rowspan=\"3\" valign=\"top\">Award Period<\/th><th colspan=\"4\" valign=\"top\">Estimated Time Disbursement<sup>#<\/sup>\u00a0is updated in 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\">MOE Tuition Fee Loan<\/a>\u00a0(TFL)<\/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 90% of subsidised Tuition Fee payable by Singapore Citizens for same course &amp; same fee cohort year<\/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 studies 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))\">Mid to end 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 during Application Period in Current Academic Year - Semester 2&lt;br\/&gt;(Jan - May))\">Mid to end January<\/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-tuition-fees-and-or-living-costs\/nus-study-loan\" target=\"_blank\" rel=\"noopener\">MOE Study Loan<\/a>\u00a0(SL)<\/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\">10% or 20% of subsidised Tuition Fee payable by Singapore Citizens<\/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 studies 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))\">End 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))\">Early February<\/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-hostel-fees\/nus-student-assistance-loan\" target=\"_blank\" rel=\"noopener\">NUS Student Assistance Loan<\/a>\u00a0(SAL)<\/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><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 studies 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\">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-overseas-exposure-programmes\" target=\"_blank\" rel=\"noopener\">Overseas Student Exchange Programme Loan<\/a>\u00a0(OSEP)<\/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><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))\">2 weeks before student departs on Exchange Programme<\/td><\/tr><\/tbody><\/table><p><span style=\"font-size: 12px;\"><sup>*<\/sup>For Graduate Students, please see\u00a0<a href=\"https:\/\/nusgs.nus.edu.sg\/financial-aid\/\" target=\"_blank\" rel=\"noopener\">https:\/\/nusgs.nus.edu.sg\/financial-aid\/<\/a><br \/><\/span><br \/><span style=\"font-size: 12px;\"><sup>#<\/sup>See also\u00a0<a href=\"http:\/\/www.nus.edu.sg\/oam\/financial-aid\/financial-aid-calendar\" target=\"_blank\" rel=\"noopener\">Financial Aid Calendar and Disbursement Schedule<\/a><\/span><\/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-2403\" 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-2403\" >\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) in the previous semester. However, I just logged in to Education Records System (EduRec) to see my Student Bill (before classes start), but there is no TFL 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-2403\" class=\"elementor-element elementor-element-65513a4 e-flex e-con-boxed e-con e-child\" data-id=\"65513a4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fc6e8f elementor-widget elementor-widget-text-editor\" data-id=\"2fc6e8f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is your Preliminary Bill. TFL is only updated at the start of the semester. Please check your Student Bill after term starts.<\/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-2404\" 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-2404\" >\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), OFN 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-2404\" class=\"elementor-element elementor-element-8cfbbcc e-flex e-con-boxed e-con e-child\" data-id=\"8cfbbcc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cc9398 elementor-widget elementor-widget-text-editor\" data-id=\"8cc9398\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>SL, SAL, bursaries and grants are grouped under &#8220;Other Loans &amp; Awards&#8221; in the Student Bill which shows the total of all amounts awarded. 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 &#8220;Other Loans &amp; Awards&#8221; in your Student Bill will not be reflected.<\/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-2405\" 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-2405\" >\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-2405\" class=\"elementor-element elementor-element-8539210 e-flex e-con-boxed e-con e-child\" data-id=\"8539210\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d31743b elementor-widget elementor-widget-text-editor\" data-id=\"d31743b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>MOE Tuition Fee Loan (TFL) covers only the 90% of the Singapore Citizen subsidised Tuition Fee payable and <strong>does not cover<\/strong>\u00a0<a href=\"http:\/\/www.nus.edu.sg\/registrar\/administrative-policies-procedures\/undergraduate\/undergraduate-fees\" target=\"_blank\" rel=\"noopener\">Miscellaneous Student Fees<\/a> (MSF). Whereas, MOE Study Loan (SL) covers 10% or 20% of the Singapore Citizen rate, and is grouped under &#8220;Other Loans &amp; Awards&#8221; in the Student Bill. Hence, the amount not covered remains outstanding and is payable. 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-2406\" 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-2406\" >\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-2406\" class=\"elementor-element elementor-element-e8bc3d7 e-flex e-con-boxed e-con e-child\" data-id=\"e8bc3d7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-102e865 elementor-widget elementor-widget-text-editor\" data-id=\"102e865\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is because the MOE Tuition Fee Loan (TFL) is based on 90% of the <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-2407\" 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-2407\" >\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-2407\" class=\"elementor-element elementor-element-0e165fe e-flex e-con-boxed e-con e-child\" data-id=\"0e165fe\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f28109d elementor-widget elementor-widget-text-editor\" data-id=\"f28109d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After the first day of the semester, please check your Student Bill under &#8220;Other Loans &amp; Awards&#8221; for the MOE Study Loan amount disbursed to you. MOE Study Loan 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-2408\" 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-2408\" >\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 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-2408\" class=\"elementor-element elementor-element-d2121e5 e-flex e-con-boxed e-con e-child\" data-id=\"d2121e5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a744530 elementor-widget elementor-widget-text-editor\" data-id=\"a744530\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>SL \/ SAL allowance 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 designated bank account within 4-6 weeks after the 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-2409\" 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-2409\" >\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-2409\" class=\"elementor-element elementor-element-d006eb4 e-flex e-con-boxed e-con e-child\" data-id=\"d006eb4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1428a2c elementor-widget elementor-widget-text-editor\" data-id=\"1428a2c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The 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-24010\" 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-24010\" >\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-24010\" class=\"elementor-element elementor-element-2c1fe5d e-flex e-con-boxed e-con e-child\" data-id=\"2c1fe5d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89c2496 elementor-widget elementor-widget-text-editor\" data-id=\"89c2496\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To 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-24011\" 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-24011\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is my MOE Study Loan (SL) \/ NUS Student Assistance Loan (SAL) \/ Overseas Student Exchange Programme Loan (OSEP) 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-24011\" class=\"elementor-element elementor-element-f95db4b e-flex e-con-boxed e-con e-child\" data-id=\"f95db4b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4b9c14 elementor-widget elementor-widget-text-editor\" data-id=\"d4b9c14\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tTo check loan outstanding amount,\n<table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<thead>\n<tr>\n<th valign=\"top\"><center>Loan Scheme<\/center><\/th>\n<th valign=\"top\"><center>Check with:<\/center><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Loan Scheme\">\n<ul>\n \t<li><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<\/a>\u00a0(SL)<\/li>\n<\/ul>\n<\/td>\n<td data-label=\"Check with:\">\n<ul>\n \t<li><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u00a0or\u00a0<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Loan Scheme\">\n<ul>\n \t<li><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<\/a>\u00a0(SAL)<\/li>\n<\/ul>\n<\/td>\n<td data-label=\"Check with:\">\n<ul>\n \t<li><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Loan Scheme\">\n<ul>\n \t<li><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-overseas-exposure-programmes\" target=\"_blank\" rel=\"noopener\">Overseas Student Exchange Programme Loan<\/a>\u00a0(OSEP)<\/li>\n<\/ul>\n<\/td>\n<td data-label=\"Check with:\">\n<ul>\n \t<li>Login to\u00a0<a href=\"https:\/\/myedurec.nus.edu.sg\/\" target=\"_blank\" rel=\"noopener\">Education Records System<\/a>\u00a0to check the disbursed amount.<\/li>\n \t<li>If you have just graduated, please refer to the letter that NUS sent you.<\/li>\n \t<li>If you have made repayments, please log a case via\u00a0our\u00a0<a href=\"https:\/\/faq.nus.edu.sg\/\" target=\"_blank\" rel=\"noopener\">FAQ Portal<\/a>\u00a0to 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=\"other-load-schemes-13\" 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=\"other-load-schemes-13\" >\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 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=\"other-load-schemes-13\" class=\"elementor-element elementor-element-7aad18a e-flex e-con-boxed e-con e-child\" data-id=\"7aad18a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a655ae1 elementor-widget elementor-widget-text-editor\" data-id=\"a655ae1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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-24013\" 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-24013\" >\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 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-24013\" class=\"elementor-element elementor-element-1c32382 e-flex e-con-boxed e-con e-child\" data-id=\"1c32382\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85b07ac elementor-widget elementor-widget-text-editor\" data-id=\"85b07ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tYou may not need TFL disbursements to pay Tuition Fee if you have been awarded a scholarship after signing up for TFL scheme.\n\nTo terminate or suspend the TFL disbursements, you will need to contact:\n<ul>\n \t<li>Your TFL-administering bank (<a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u00a0\/\u00a0<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a>) for advice on loan termination procedures, and<\/li>\n \t<li>NUS Office of Finance at\u00a0our\u00a0<a href=\"https:\/\/faq.nus.edu.sg\/\" target=\"_blank\" rel=\"noopener\">FAQ Portal<\/a>\u00a0for updating of your Student Account<\/li>\n<\/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-24014\" 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-24014\" >\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 MOE Study Loan (SL). 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-24014\" class=\"elementor-element elementor-element-1df3f3e e-flex e-con-boxed e-con e-child\" data-id=\"1df3f3e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21f65bc elementor-widget elementor-widget-text-editor\" data-id=\"21f65bc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can call or write in to Office of Financial Aid (OFA) at:<\/p><ul><li>Phone: (65) 6516 2870<\/li><li>Email enquiry:\u00a0<a href=\"https:\/\/www.askadmissions.nus.edu.sg\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.askadmissions.nus.edu.sg\/<\/a><\/li><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><\/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=\"other-load-schemes-16\" 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=\"other-load-schemes-16\" >\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=\"other-load-schemes-16\" class=\"elementor-element elementor-element-066eb74 e-flex e-con-boxed e-con e-child\" data-id=\"066eb74\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffab81f elementor-widget elementor-widget-text-editor\" data-id=\"ffab81f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<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 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. <\/span><strong class=\"selection-contrast\"><u class=\"ql-und\">Please do not mention<\/u> <\/strong><span class=\"selection-contrast\">your 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><div>\u00a0<\/div><div><table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\"><thead><tr><th valign=\"top\">\u00a0<\/th><th valign=\"top\"><center>For Borrowers who graduate during or at the end of:<\/center><\/th><th valign=\"top\"><center>Graduation status will be updated by the bank by:<\/center><\/th><\/tr><\/thead><tbody><tr><td>a)<\/td><td>Semester 1<\/td><td>end Apr of the year following graduation<\/td><\/tr><tr><td>b)<\/td><td>Semester 2<\/td><td>end Sep in the year of graduation<\/td><\/tr><tr><td>c)<\/td><td>Special Term Part 1<\/td><td>end Oct in the year of graduation<\/td><\/tr><tr><td>d)<\/td><td>Special Term Part 2<\/td><td>end Nov in the year of graduation<\/td><\/tr><\/tbody><\/table><\/div><div>\u00a0<span style=\"font-style: inherit; font-weight: inherit;\">You can also contact the relevant banks directly:<\/span><\/div><table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\"><thead><tr><th valign=\"top\"><center>Loan Scheme<\/center><\/th><th valign=\"top\"><center>Check with:<\/center><\/th><\/tr><\/thead><tbody><tr><td data-label=\"Loan Scheme\"><ul><li><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\" target=\"_blank\" rel=\"noopener\">MOE Tuition Fee Loan<\/a>\u00a0(TFL)<\/li><\/ul><\/td><td data-label=\"Check with:\"><ul><li><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u00a0or\u00a0<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li><\/ul><\/td><\/tr><tr><td data-label=\"Loan Scheme\"><ul><li><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<\/a>\u00a0(SL)<\/li><\/ul><\/td><td data-label=\"Check with:\"><ul><li><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u00a0or\u00a0<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li><\/ul><\/td><\/tr><tr><td data-label=\"Loan Scheme\"><ul><li><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<\/a>\u00a0(SAL)<\/li><\/ul><\/td><td data-label=\"Check with:\"><ul><li><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li><\/ul><\/td><\/tr><tr><td data-label=\"Loan Scheme\"><ul><li><a href=\"https:\/\/www.nus.edu.sg\/gro\/financing\/loans\/overseas-student-programme-(osp)-loan\" target=\"_blank\" rel=\"noopener\">Overseas Student Programme Loan<\/a>\u00a0(OSP)<sup>*<\/sup><\/li><\/ul><\/td><td data-label=\"Check with:\"><ul><li><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li><\/ul><\/td><\/tr><\/tbody><\/table><p>Students 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 MOE Tuition Fee Loan (TFL), MOE Study Loan (SL) and Overseas Student Programme (OSP) Loan. For more details, please refer to PSEA website at\u00a0<a href=\"https:\/\/www.moe.gov.sg\/financial-matters\/psea\/funds-balance-and-usage\" target=\"_blank\" rel=\"noopener\">https:\/\/www.moe.gov.sg\/financial-matters\/psea\/funds-balance-and-usage<\/a><\/p><p>For\u00a0<a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-overseas-exposure-programmes\" target=\"_blank\" rel=\"noopener\">Overseas Student Exchange Programme Loan<\/a>\u00a0(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\u00a0<strong>either by<\/strong>:<\/p><ul><li>GIRO instalment, or<\/li><li>Cheque crossed and made payable to\u00a0<strong>NATIONAL UNIVERSITY OF SINGAPORE<\/strong><br \/>Please:<br \/><ol style=\"list-style-type: lower-alpha;\" type=\"a\"><li>Write the following details on the reverse side of your cheque:<ul><li>A-series Student Number<\/li><li>Full Name<\/li><li>Telephone Number<\/li><li>Loan Reference Number, and<\/li><\/ul><\/li><li>Mail to:<br \/>Office of Finance (Accounts Receivables Team)<br \/>National University of Singapore<br \/>University Hall<br \/>Tan Chin Tuan Wing, UHT #03-02<br \/>21 Lower Kent Ridge Road<br \/>Singapore 119077<\/li><\/ol><\/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-24016\" 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-24016\" >\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-24016\" class=\"elementor-element elementor-element-0f0535b e-flex e-con-boxed e-con e-child\" data-id=\"0f0535b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6910ac6 elementor-widget elementor-widget-text-editor\" data-id=\"6910ac6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Please contact the relevant banks regarding your request:<\/p><table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\"><thead><tr><th valign=\"top\"><center>Loan Scheme<\/center><\/th><th valign=\"top\"><center>Check with:<\/center><\/th><\/tr><\/thead><tbody><tr><td data-label=\"Loan Scheme\"><ul><li><a href=\"https:\/\/www.nus.edu.sg\/oam\/financial-aid\/schemes-for-tuition-fees-and-or-living-costs\" target=\"_blank\" rel=\"noopener\">MOE Tuition Fee Loan<\/a>\u00a0(TFL)<\/li><\/ul><\/td><td data-label=\"Check with:\"><ul><li><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u00a0or\u00a0<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li><\/ul><\/td><\/tr><tr><td data-label=\"Loan Scheme\"><ul><li><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<\/a>\u00a0(SL)<\/li><\/ul><\/td><td data-label=\"Check with:\"><ul><li><a href=\"https:\/\/www.dbs.com.sg\/personal\/contact-us.page\" target=\"_blank\" rel=\"noopener\">DBS Bank<\/a>\u00a0or\u00a0<a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li><\/ul><\/td><\/tr><tr><td data-label=\"Loan Scheme\"><ul><li><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<\/a>\u00a0(SAL)<\/li><\/ul><\/td><td data-label=\"Check with:\"><ul><li><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li><\/ul><\/td><\/tr><tr><td data-label=\"Loan Scheme\"><ul><li><a href=\"https:\/\/www.nus.edu.sg\/gro\/financing\/loans\/overseas-student-programme-(osp)-loan\" target=\"_blank\" rel=\"noopener\">Overseas Student Programme Loan<\/a>\u00a0(OSP)<sup>*<\/sup><\/li><\/ul><\/td><td data-label=\"Check with:\"><ul><li><a href=\"https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/help-and-support.html\" target=\"_blank\" rel=\"noopener\">OCBC Bank<\/a><\/li><\/ul><\/td><\/tr><\/tbody><\/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-24017\" 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-24017\" >\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-24017\" class=\"elementor-element elementor-element-4b72a9a e-flex e-con-boxed e-con e-child\" data-id=\"4b72a9a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0aa6d51 elementor-widget elementor-widget-text-editor\" data-id=\"0aa6d51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Students who have left NUS and have outstanding loans repayable under the 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 &#8216;Graduated&#8217; by the banks, which takes place 1 month before the interest commencement dates.<\/p><div><table class=\"table\" border=\"1\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\"><thead><tr><th valign=\"top\">\u00a0<\/th><th valign=\"top\"><center>For Borrowers who graduate during or at the end of:<\/center><\/th><th valign=\"top\"><center>Graduation status will be updated by the bank by:<\/center><\/th><\/tr><\/thead><tbody><tr><td>a)<\/td><td>Semester 1<\/td><td>end Apr of the year following graduation<\/td><\/tr><tr><td>b)<\/td><td>Semester 2<\/td><td>end Sep in the year of graduation<\/td><\/tr><tr><td>c)<\/td><td>Special Term Part 1<\/td><td>end Oct in the year of graduation<\/td><\/tr><tr><td>d)<\/td><td>Special Term Part 2<\/td><td>end Nov in the year of graduation<\/td><\/tr><\/tbody><\/table><p>For 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><\/p><\/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-24018\" 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-24018\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I've received scholarship that will fully pay my tuition fees. How can I make full repayment of my 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-24018\" class=\"elementor-element elementor-element-d70d3e3 e-flex e-con-boxed e-con e-child\" data-id=\"d70d3e3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebdc444 elementor-widget elementor-widget-text-editor\" data-id=\"ebdc444\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can proceed to any bank branch to make a request for full repayment and closure of your TFL\/SL account at any time. However, if you have TFL\/SL disbursement in the current semester, you can request for full repayment and closure of your TFL\/SL account from June (for students graduating in Semester 2) and December (for students graduating in Semester 1) so that the current semester&#8217;s disbursement is included in your total disbursement amount.<\/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-24019\" 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-24019\" >\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 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-24019\" class=\"elementor-element elementor-element-cae8737 e-flex e-con-boxed e-con e-child\" data-id=\"cae8737\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4435086 elementor-widget elementor-widget-text-editor\" data-id=\"4435086\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\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\":\"Application for MOE Tuition Fee Loan\\u00a0(TFL) is considered pre-approved subject to the:acceptance of your application form by the bank, andissuance of the Letter of Offer (contained within the TFL application form)For the other student loans such as MOE Study Loan\\u00a0(SL),\\u00a0NUS Student Assistance Loan\\u00a0(SAL) and\\u00a0Overseas Student Exchange Programme Loan\\u00a0(OSEP), application is approved with the issuance of the respective Letter of Offer.Hence, it is important that you update your contact details in\\u00a0Education Records System\\u00a0and with the relevant banks (DBS Bank\\u00a0\\\/\\u00a0OCBC 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\":\"It takes about 3 weeks for the bank to process and inform NUS of your application. A loan agreement needs to be signed before your loan can be disbursed.\"}},{\"@type\":\"Question\",\"name\":\"(a) What is the maximum loan value for the various student loans?(b) If my application is approved, how long does my loan award last?(c) When can I expect to receive the disbursement updated in my Student Account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depending on whether you are an existing or new loan recipient, and\\u00a0subject to the proper execution of your loan agreement(s), the period of disbursement for the various loan schemes are as follows:S\\\/NLoan SchemeMaximum Loan ValueAward PeriodEstimated Time Disbursement#\\u00a0is updated in 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*MOE Tuition Fee Loan\\u00a0(TFL)Up to 90% of subsidised Tuition Fee payable by Singapore Citizens for same course &amp; same fee cohort yearFull duration of studies in NUSEarly to mid-AugustMid to end JanuaryMid to end AugustMid to end January2.MOE Study Loan\\u00a0(SL)10% or 20% of subsidised Tuition Fee payable by Singapore CitizensFull duration of studies in NUSEnd August to early SeptemberMid to end JanuaryEnd SeptemberEarly February3.NUS Student Assistance Loan\\u00a0(SAL)Varies according to financial need &amp; nationality of applicants, and fund availabilityFull duration of studies 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 basis4.Overseas Student Exchange Programme Loan\\u00a0(OSEP)Maximum of $3,000 per semesterPer Exchange Programme basis;Re-application neededN.A.N.A.2 weeks before student departs on Exchange Programme*For Graduate Students, please see\\u00a0https:\\\/\\\/nusgs.nus.edu.sg\\\/financial-aid\\\/#See also\\u00a0Financial Aid Calendar and Disbursement Schedule\"}},{\"@type\":\"Question\",\"name\":\"I was awarded MOE Tuition Fee Loan (TFL) in the previous semester. However, I just logged in to Education Records System (EduRec) to see my Student Bill (before classes start), but there is no TFL for this semester. Why is this so?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This is your Preliminary Bill. TFL is only updated at the start of the semester. Please check your Student Bill after term starts.\"}},{\"@type\":\"Question\",\"name\":\"I have been awarded the MOE Study Loan (SL), OFN 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 &#8220;Other Loans &amp; Awards&#8221; in the Student Bill which shows the total of all amounts awarded. 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 &#8220;Other Loans &amp; Awards&#8221; in your Student Bill will not be reflected.\"}},{\"@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 Tuition Fee Loan (TFL) covers only the 90% of the Singapore Citizen subsidised Tuition Fee payable and does not cover\\u00a0Miscellaneous Student Fees (MSF). Whereas, MOE Study Loan (SL) covers 10% or 20% of the Singapore Citizen rate, and is grouped under &#8220;Other Loans &amp; Awards&#8221; in the Student Bill. Hence, the amount not covered remains outstanding and is payable. 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\":\"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 Tuition Fee Loan (TFL) is based on 90% of the Singapore 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\":\"After the first day of the semester, please check your Student Bill under &#8220;Other Loans &amp; Awards&#8221; for the MOE Study Loan amount disbursed to you. MOE Study Loan 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 MOE Study Loan (SL) allowance \\\/ NUS Student Assistance Loan (SAL) amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"SL \\\/ SAL allowance 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 designated bank account within 4-6 weeks after the agreement signed date.\"}},{\"@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\":\"What is my MOE Study Loan (SL) \\\/ NUS Student Assistance Loan (SAL) \\\/ Overseas Student Exchange Programme Loan (OSEP) loan outstanding amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To check loan outstanding amount,\\n\\n\\n\\nLoan Scheme\\nCheck with:\\n\\n\\n\\n\\n\\n\\n \\tMOE Study Loan\\u00a0(SL)\\n\\n\\n\\n\\n \\tDBS Bank\\u00a0or\\u00a0OCBC Bank\\n\\n\\n\\n\\n\\n\\n \\tNUS Student Assistance Loan\\u00a0(SAL)\\n\\n\\n\\n\\n \\tOCBC Bank\\n\\n\\n\\n\\n\\n\\n \\tOverseas Student Exchange Programme Loan\\u00a0(OSEP)\\n\\n\\n\\n\\n \\tLogin to\\u00a0Education Records System\\u00a0to check the disbursed amount.\\n \\tIf you have just graduated, please refer to the letter that NUS sent you.\\n \\tIf you have made repayments, please log a case via\\u00a0our\\u00a0FAQ Portal\\u00a0to ascertain the outstanding amount.\"}},{\"@type\":\"Question\",\"name\":\"What do I do if I need to change guarantors for my 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 MOE Tuition Fee Loan (TFL) in the middle of my course of study?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You may not need TFL disbursements to pay Tuition Fee if you have been awarded a scholarship after signing up for TFL scheme.\\n\\nTo terminate or suspend the TFL disbursements, you will need to contact:\\n\\n \\tYour TFL-administering bank (DBS Bank\\u00a0\\\/\\u00a0OCBC Bank) for advice on loan termination procedures, and\\n \\tNUS Office of Finance at\\u00a0our\\u00a0FAQ Portal\\u00a0for updating of your Student Account\"}},{\"@type\":\"Question\",\"name\":\"I have accepted MOE Study Loan (SL). Can I withdraw \\\/ cancel \\\/ suspend it?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can call or write in to Office of Financial Aid (OFA) at:Phone: (65) 6516 2870Email enquiry:\\u00a0https:\\\/\\\/www.askadmissions.nus.edu.sg\\\/Undergraduate Financial Aid website:\\u00a0http:\\\/\\\/www.nus.edu.sg\\\/financialaid\"}},{\"@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 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. Please do not mention your 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.\\u00a0\\u00a0For Borrowers who graduate during or at the end of:Graduation status will be updated by the bank by:a)Semester 1end Apr of the year following graduationb)Semester 2end Sep in the year of graduationc)Special Term Part 1end Oct in the year of graduationd)Special Term Part 2end Nov in the year of graduation\\u00a0You can also contact the relevant banks directly:Loan SchemeCheck with:MOE Tuition Fee Loan\\u00a0(TFL)DBS Bank\\u00a0or\\u00a0OCBC BankMOE Study Loan\\u00a0(SL)DBS Bank\\u00a0or\\u00a0OCBC BankNUS Student Assistance Loan\\u00a0(SAL)OCBC BankOverseas Student Programme Loan\\u00a0(OSP)*OCBC BankStudents 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 MOE Tuition Fee Loan (TFL), MOE Study Loan (SL) and Overseas Student Programme (OSP) Loan. For more details, please refer to PSEA website at\\u00a0https:\\\/\\\/www.moe.gov.sg\\\/financial-matters\\\/psea\\\/funds-balance-and-usageFor\\u00a0Overseas Student Exchange Programme Loan\\u00a0(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\\u00a0either by:GIRO instalment, orCheque crossed and made payable to\\u00a0NATIONAL UNIVERSITY OF SINGAPOREPlease:Write the following details on the reverse side of your cheque:A-series Student NumberFull NameTelephone NumberLoan Reference Number, andMail to:Office of Finance (Accounts Receivables Team)National University of SingaporeUniversity HallTan Chin Tuan Wing, UHT #03-0221 Lower Kent Ridge RoadSingapore 119077\"}},{\"@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:Loan SchemeCheck with:MOE Tuition Fee Loan\\u00a0(TFL)DBS Bank\\u00a0or\\u00a0OCBC BankMOE Study Loan\\u00a0(SL)DBS Bank\\u00a0or\\u00a0OCBC BankNUS Student Assistance Loan\\u00a0(SAL)OCBC BankOverseas Student Programme Loan\\u00a0(OSP)*OCBC 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 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 &#8216;Graduated&#8217; by the banks, which takes place 1 month before the interest commencement dates.\\u00a0For Borrowers who graduate during or at the end of:Graduation status will be updated by the bank by:a)Semester 1end Apr of the year following graduationb)Semester 2end Sep in the year of graduationc)Special Term Part 1end Oct in the year of graduationd)Special Term Part 2end Nov in the year of graduationFor more details, please refer to PSEA website here\"}},{\"@type\":\"Question\",\"name\":\"I've received scholarship that will fully pay my tuition fees. How can I make full repayment of my 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 TFL\\\/SL account at any time. However, if you have TFL\\\/SL disbursement in the current semester, you can request for full repayment and closure of your TFL\\\/SL account from June (for students graduating in Semester 2) and December (for students graduating in Semester 1) so that the current semester&#8217;s 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 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 MOE Tuition Fee Loan (TFL) and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":916,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-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":49,"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages\/990\/revisions"}],"predecessor-version":[{"id":3180,"href":"https:\/\/www.nus.edu.sg\/finance\/wp-json\/wp\/v2\/pages\/990\/revisions\/3180"}],"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}]}}