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Last Updated:  15 Apr 2026

Government loan schemes

Government loan schemes are available to help students finance their diploma, undergraduate or postgraduate programmes in government-funded post-secondary education institutions. Learn if you are eligible and the loan quantum.

From 1 July 2026, the new Higher Education Student Loan will be implemented to provide loans to aid students in financing their MOE-subsidised diploma, undergraduate or postgraduate programmes at government-funded post-secondary education institutions (PSEIs).

The new loan scheme will replace the existing government loan schemes, such as the Tuition Fee Loan and Study Loan, which will be merged under the new loan scheme to streamline the loan framework. PSEIs will stop accepting applications for the existing Tuition Fee Loan and Study Loan before 1 June 2026. The cut-off date may vary across PSEIs.

Students who wish to apply for a loan after the cut-off date can apply for the new Higher Education Student Loan from 1 July 2026. Learn if you are eligible and the loan quantum.

Tuition Fee Loan (to be replaced by Higher Education Student Loan from 1 July 2026)

Students taking subsidised programmes in polytechnics, arts institution and autonomous universities can apply for the Tuition Fee Loan to cover a certain percentage of their tuition fees. Learn about the eligibility criteria and how to apply.

Study Loan (to be replaced by Higher Education Student Loan from 1 July 2026)

Students who have taken up maximum of the Tuition Fee Loan, and with gross monthly household per capita income of $2,700 or less, can apply for the Study Loan to finance the remaining tuition fees and a living allowance loan. Learn about the eligibility criteria and how to apply.

Higher Education Student Loan (to be implemented from 1 July 2026)

Students taking subsidised diploma and degree programmes in the Institute of Technical Education (ITE), polytechnics, arts institutions and autonomous universities can apply for the Higher Education Student Loan. Learn about the eligibility criteria and how to apply.