Cover the cost for your overseas programme to enhance your learning experience.
Interest is calculated, and repayment starts only after graduation.
You can repay the loan in full or partially within 24 months after completing the course.
Covers your tuition fees in an MOE recognised tertiary institution
Zero interest and repayments while you are studying
Repay as low as $100 a month
University
Applicable only for Singapore Institute of Technology
Polytechnic
Applicable only for Ngee Ann Polytechnic
Guarantor
For the full criteria to apply for Overseas Student Programme Loan, please refer to your respective institution's website for more details.
For applications submitted before 1 Apr 2024, interest-free during the course of study, charged at average prime rate of DBS, OCBC, and UOB after graduation.
For applications from 1 Apr 2024 onwards, please click here for details.
Please click here for repayment modes and options.
Change in Loan Quantum / Change of First Disbursement Year and Semester
From 1 Jul 2026, the new Higher Education Student Loan (HESL) scheme will be implemented to replace the existing government loan schemes - the Tuition Fee Loan, Study Loan and Overseas Student Programme Loan, which will be merged under the new loan scheme.
As such, the Overseas Student Programme Loan will no longer be available after the application cut-off dates set by the respective polytechnics, arts institutions and universities.
Eligible students in the respective institutions who wish to apply for a loan after the cut-off date, please submit your application for the HESL via the new StudentLoanSG portal from 1 Jul 2026.
For more information on the new HESL scheme, kindly refer to the MOE website moe.gov.sg/financial-matters/government-loan-schemes or the respective institution website.
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