1. What are the items listed in a Student Bill?

   A Student Bill comprises:

   Category	Examples
   Chargeable Items	Tuition Fee Miscellaneous Student Fees (Student Services Fee and Health Service Fee) Late Fee
   Payment / Financial Aid (FA) Items	CPF Education Loan Scheme (CELS) Post-Secondary Education Account (PSEA) Mendaki Tertiary Tuition Fee Subsidy Bursary Scholarship Tuition Fee Loan (TFL) Research Scholarship Stipend Direct payments such as Local Electronics Funds Transfer and E-Payment

   For more information on Tuition Fees and Miscellaneous Student Fees, please refer to Undergraduate, Graduate and Non-Graduating.

2. How and when can I access my Student Bill and Fee Balance?

   Your Student Bill will be available online via Education Records System (EduRec) by the first week of the semester. No hard copy bill will be sent. If you have applied for financial aid successfully, it will be updated in your Student Account by the disbursement timelines specified in http://www.nus.edu.sg/oam/financial-aid/financial-aid-calendar.

   To access your Student Bill,

   1. Disable the pop-up blocker of your browser
   2. Login to Education Records System (EduRec)
   3. Click "My Homepage" for drop-down menu
   4. Select "Financials"
   5. Click "Manage Student Financials"
   6. In "Bill Type" drop-down menu, select “Preliminary Bill” (if available) or "Student Bill".
   7. For "Student Bill", select the applicable "Term" before clicking "View Student Bill"

3. What is the difference between "Student Bill" and "Preliminary Bill"?

   Student Bill shows the actual charged items (such as Tuition Fee and Miscellaneous Student Fees) and payment/Financial Aid items (such as CPF Loans and Bursaries) updated in your Student Account as at the time the bill is generated.

   "Preliminary Bill" allows you to simulate the fees payable after factoring in the Financial Aid that you have applied for and pending award (based on data you have entered).

4. Why can't I see my "Preliminary Bill"?

   The "Preliminary Bill" is only available to undergraduate and graduate students billed on a semester basis. It is thus not available to:

   • Non-graduating students
   • Graduate students taking self-financing courses
   • Undergraduate students taking part-time courses
   • All students taking special term modules or part-time courses

5. Is it possible for me to get a copy of my previous semester's Student Bill?

   Yes. Previous semester's Student Bill can be accessed as follows:

   Academic Period	Access via:
   From Special Term Part 1 of AY2008/2009 onwards	Disable the pop-up blocker of your browser Login to Education Records System (EduRec) Click "My Homepage" for drop-down menu Select "Financials" Click "Manage Student Financials" Select "Student Bill" from drop-down menu in "Bill Type" Select the applicable "Term" Click "View Student Bill"
   Prior to Special Term Part 1 of AY2008/2009	Student Account Enquiry at: https://myaces.nus.edu.sg/StudentPayment/Login.jsp




6. How much do I have to pay for Tuition Fees?

   	Tuition Fees	Miscellaneous Student Fees (MSF)
   Undergraduates1	UGRD Tuition Fees	UGRD MSF
   Graduates2	GRAD Tuition Fees (Government-subsidised)	GRAD MSF
   	Tuition fees for self-funded graduate coursework programmes can be found at the respective programme websites.	GRAD MSF
   Non-Graduating	NGRD Tuition Fees and MSF

   ¹http://www.nus.edu.sg/registrar/administrative-policies-procedures/undergraduate/undergraduate-fees
   ²http://www.nus.edu.sg/registrar/administrative-policies-procedures/graduate/graduate-fees

7. For FAQ on Tuition Fee beyond Normal Candidature, please refer to:

   https://nusu.sharepoint.com/sites/registrar/student/info/FAQ-on-Tuition-Fee-beyond-Normal-Candidature.pdf

1. When do I have to pay my fees?

   Fees are due as follows:

   Academic Period	Fee Payment Deadline*	Payment Mode
   Semester 1	End of 3rd instructional week in August End of 7th instructional week in end September	All except GIRO GIRO only
   Semester 2	End of 4th instructional week in February End of 7th instructional week in Early March	All except GIRO GIRO only
   Special Term Part 1	June	All payment modes
   Special Term Part 2	July	All payment modes

   ^*See http://www.nus.edu.sg/finance/students/student-finance-matters.html for exact fee payment due dates

   
   ^*SCALE students enrolled in Masters, BTech, Specialist Certificate/Certificate, Graduate Certificate and L3 programmes are to refer to the Fee Payment Deadline conveyed via email before the start of each semester.

   ^*If you have applied successfully (within the application deadlines) for Tuition Fee Loan, Student Loan, CPF Education Loan, PSEA, SkillsFuture Credit (SFC), any awards/financial aid to pay for your fees or you have signed your Service Obligation, please pay only the net amount outstanding. You will not be charged a late fee if your awards/financial aid are disbursed to your Student Account after the payment due date.

2. How do I pay my fees?

   All students are advised to pay their fees through Interbank GIRO. Please see FAQs on GIRO Payment and Other Payment Modes for more details.

3. How can I find out how much I need to pay for my hostel fees?

   For hostel rates, please click on the applicable accommodation type at http://nus.edu.sg/osa/student-services/hostel-admission.

   Hostel fee is billed by the respective hostels and payable via the University Hostel Management System (UHMS) by stipulated due dates. To find out more details, please see the respective contacts in the Halls of Residence / Student Residences / Residential Colleges listed at http://nus.edu.sg/osa/contact.

4. Am I liable to pay fees if I withdraw from my course?

   Students' liability for fee payment with regard to Course Withdrawal is as follows:

   Student Type	Fee Payment
   Undergraduate & Graduate Students	Liable to pay fees for the entire semester if students leave NUS after 2nd instructional week of semester
   Non-graduating Students	Refer to: https://myportal.nus.edu.sg/studentportal/academics/ng/#withdrawal and http://www.nus.edu.sg/registrar/prospective-students/non-graduating/faq, or Write to: nghelp@nus.edu.sg for assistance

5. Am I liable to pay fees if I am granted Leave of Absence (LOA) for the semester?

   Students' liability for fee payment with regard to Leave of Absence (LOA) is as follows:

   Leave of Absence	Fee Payment
   Applied within 2nd instructional week of semester	Exempted from paying fees for the semester
   Applied after 2nd instructional week of semester	Liable to pay fees for the entire semester

6. I have already submitted my thesis within the 2nd instructional week. Why do I have to pay fees for this semester?

   For research students who have submitted their thesis, the Health and Insurance Fee will be payable as long as they remain as full-time students and have not been conferred their degrees.

7. I have signed up for Service Obligation this semester. When will my Student Bill be reflected with the Service Obligation tuition fee rates?

   As an international student, you will be charged non-subsidised fees. After you have completed the signing of Service Obligation with MOE, your Student Bill will be revised to the subsidised "International Students with Service Obligation/Graduate Assistantship Programme" fees within 2 weeks.

8. What should I do if my Service Obligation can only be executed after the fee payment due date?

   To avoid late fee payment charge, you may wish to pay your Student Bill first. After the execution of your Service Obligation Agreement, your Student Bill will be adjusted. Any credit balance arising from the adjustment of your fees will be used to offset your next semester’s fees payable. If there is still an excess balance in your Student Account in the final semester of your studies, the amount will be automatically refunded to your Receiving Bank Account (Credit Bank Account). If you wish to get a refund for the excess payment made before the final semester of your studies, please log a case via OFN NUService Hub. To facilitate the refund, please update your "Receiving Bank Account (Credit Bank Account)" via Education Records System (EduRec) (see FAQs on GIRO Payment).

9. I am an NUS staff and a part-time student in NUS. Why is my Student Bill not reflected with staff concession?

   After you have successfully applied to Office of Human Resources (OHR) for staff concession, your Student Bill will be updated as follows:

   Staff who are:	Staff Concession updated in Student Bill:
   Existing Students	By 2nd instructional week of semester
   New Students	Within 3 working days after OHR informs Office of Finance of the list of students

10. I have changed my citizenship. When will my Student Bill be revised?

    Please refer to https://www.nus.edu.sg/registrar/administrative-policies-procedures/undergraduate/responsibility-for-notices-circulars-and-updates-of-personal-particulars.

    Upon submission of documents, your Student Bill will be revised after Office of the University Registrar (OUR) has updated your student records.

    A separate submission procedure applies for BTech students. An email regarding MOE subsidy eligibility declaration and change of citizenship/residency will be sent to all BTech students before the start of every semester.

11. What happens if I have outstanding fees after the fee payment due date?

    If you have outstanding fees after the fee payment due date,

    • A late fee payment charge of $25 will be imposed
    • A Negative Service Indicator (NSI) will be tagged against your Student Account. To check NSI,
      1. Login to Education Records System (EduRec)
      2. Click "My Homepage" for drop-down menu
      3. Select "Others"
      4. Select "Holds"

12. What is a Negative Service Indicator (NSI)?

    Students with NSI will:

    • Not be able to view exam results
    • Not be able to enrol for any module
    • Not be able to receive results transcript
    • Not have their theses examined (for research students)
    • Have their student status / conferment letters withheld
    • Have their degree scrolls withheld (for graduating students)

13. My Student Account has been tagged with Negative Service Indicator (NSI). What should I do to reverse the NSI?

    After you have made full payment of the outstanding fees and the payment reflected in your Student Account, the NSI tagged will be reversed the next working day.

14. What happens if I made 2 payments for the same bill to NUS?

    Any excess payment over and above the prevailing fees outstanding will remain as a credit balance in your Student Account. This will be used to offset fees payable in the next semester. If there is still an excess balance in your Student Account in the final semester of your studies, the amount will be automatically refunded to your Receiving Bank Account (Credit Bank Account). To facilitate the refund, please update your "Receiving Bank Account (Credit Bank Account)" via Education Records System (EduRec) (see FAQs on GIRO Payment).

    If you wish to get refunded before your final semester of your studies, please log a case via OFN NUService Hub.

15. When will the payment made be updated in my Student Account?

    Depending on the payment mode, payments received will be updated in your Student Account as shown in the table below.

    If there is any payment discrepancy, please log a case via OFN NUService Hub with your A-series Student Number and proof of payment.

Turnaround Time for Updating of Payment in Student Account

S/N	Mode of Payment	Number of Working Days to update Student Account, excluding the day on which payment is made*
(1)	GIRO	2-3 working days from date of fund deduction from payer's bank account
(2)	E-Payment (PayNow QR / Convera / Credit Card / Debit Card / AliPay)	1 working day
(3)	Local Electronics Funds Transfer	1 working day
(4)	Domestic Cheque / Bank Draft	5 working days
(5)	Foreign Cheque / Bank Draft	At least 1 calendar month
(6)	Telegraphic Transfer (TT)	At least 7 working days, depending on completeness of details in TT payment instructions

^*The number of days is counted from the date NUS receives payment



16. My company would like to sponsor 100% of my fees. Do I have to fill in any form?

    Please perform the steps below to have your sponsorship updated in EduRec:

    a. Complete the attached corporate sponsorship form.
    b. Have it signed off and stamped by an authorized personnel in the company.
    c. Student to scan a copy of the completed form and submit the form at OFN NUService Hub (TPC). For companies submitting the form directly, please email the completed form to ofnbox3@nus.edu.sg.
    
    Please note:
    
    d. Billing to your company will take place in Sep/Oct for Semester 1 fees and Feb/Mar for Semester 2 fees.
    e. If the miscellaneous fees are not covered by your company, the student has to pay the miscellaneous fees by the payment due dates.
    

17. If I have paid for an acceptance fee which will offset my first semester’s tuition fee billing, do I claim the amount from my company or claim a refund from NUS?

    For programmes where the fee structure is such that the acceptance fee paid by the student will be offset against the first semester’s billing in Edurec, NUS will not refund you for acceptance fee paid. We will bill your company the tuition fee less off the acceptance fee. If you have paid for the acceptance fee, you can claim the acceptance fee from your company. Please approach the programme administrator should there be queries regarding fee structure.

1. What is GIRO?

   GIRO or General Interbank Recurring Order is a standing instruction that students (or through their parents/guardians) set up with their preferred local banks in Singapore to allow payment to NUS to be deducted electronically when fees are due. It is hassle-free, requiring only a one-time setup effort at no cost. Once set up, payable fees outstanding in the Student Account and/or UHMS Hostel Account are automatically deducted on scheduled fee payment due dates.

2. What is the difference between "GIRO Bank Account (Debit Bank Account)" and "Receiving Bank Account (Credit Bank Account)"?

   Students who sign up for the GIRO scheme can maintain both a "GIRO Bank Account" (for payment to NUS) and a "Receiving Bank Account" (for refund from NUS). Both the "GIRO Bank Account" and "Receiving Bank Account" are bank accounts such as savings account and current account. The same bank account can be used for "GIRO Bank Account" and "Receiving Bank Account." Please do not update your debit/credit card details in these pages.

   The "GIRO Bank Account" is used for payment of Tuition Fee, Miscellaneous Student Fees (Student Services Fee and Health Service Fee), Hostel Fees and other fees such as Transcript Fee.

   The "Receiving Bank Account" is used for payment to students, such as refund of credit balance in Student Account and reimbursement of expenses. It is thus important for recipients of scholarships, student loans or bursaries to maintain an updated and accurate "Receiving Bank Account" so that any credit balances can be refunded after offsetting fees.

3. How do I apply for payment of my fees via GIRO?

   Before the start of each semester, students will be informed of the GIRO application dates via email sent to their NUS email account. To apply for GIRO facility, please see GIRO Application section above for details.

4. How will I know if my application for GIRO Bank Account (Debit Bank Account) is successful?

   (a) Students may regard their application as successful as long as their submission is complete, accurate, and within the stipulated application period. They can also check their GIRO Bank Account status in Education Records System (EduRec) which should reflect the status as "Approved". In the event that the GIRO application is rejected, students will be informed via their NUS email account.

   (b) For DBS online application only, the approval is instant and you will see an acknowledgement page after successful application

5. What happens if I submit the GIRO application form / online application (for DBS bank account holders only) after the stipulated deadlines?

   The GIRO application will be processed to be ready for the next Semester’s GIRO deduction dates. For example, if the deadline for new GIRO application or change of GIRO Bank Account (Debit Bank Account) is on the 16 August 2019 for Semester 1 of AY19/20 and the form is submitted to Office of Finance on 17 August 2019, it will not be in time for AY19/20 Semester 1’s deduction. The application will be processed for the next Semester’s deduction.

6. Why was my bank account deducted and yet the payment not reflected in my Student Account?

   As the deduction is effected by NUS' bank on behalf of the University, there is a processing time of 2 to 3 working days from date of deduction to the date that the fee payment is updated to your Student Account in Education Records System (EduRec).

7. Will partial GIRO deduction be carried out?

   No. We do not process partial GIRO deduction. Hence, sufficient funds have to be maintained in the authorised bank account for the full deduction. NUS and some banks will impose late payment charge and administrative fee respectively if the deduction is unsuccessful.

8. Will I be informed if my GIRO deduction is unsuccessful?

   No. Please check the deduction status via your Bank Account or Student Account in Education Records System (EduRec) 3 working days after the scheduled deduction date. To find out the reason for the unsuccessful deduction, please contact your bank directly. You will receive a reminder for your outstanding fees through your NUS email account.

9. How do I change my designated "GIRO Bank Account (Debit Bank Account)" details which I had submitted earlier?

   Any change in critical information such as bank account number requires the existing standing instruction to be terminated first. To do this,

   1. Login to: Education Records System (EduRec)
   2. Click "My Homepage" for drop-down menu
   3. Select "Financials" >"Manage Student Financials"
   4. Click "Manage Bank Accounts"

           For GIRO application that has NOT been approved (for manual setup only)

   5. Click "Cancel GIRO Bank Account"
   6. Click "Submit"
   7. Click "OK"
   8. Repeat steps to "Apply for GIRO (online setup for DBS/POSB account holders" or "Apply for GIRO (manual setup)".

           For GIRO application that has been approved (for online and manual setup)

   9. Click "Print GIRO Termination Form" for bank account holder to sign or affix his/her thumbprint (duly verified in the presence of a bank officer) in accordance with the bank's records
   10. Hand in completed "GIRO Termination Form" (with bank account holder's signature or verified thumb-print) to Office of Finance, University Hall, Tan Chin Tuan Wing, UHT #03-02, 21 Lower Kent Ridge Road, Singapore 119077
   11. The termination will take effect within 7 working days. Please login to Education Records System (EduRec) to check that the status is "Terminated" before repeating steps to "Apply for GIRO (online setup for DBS/POSB account holders" or "Apply for GIRO (manual setup)".

10. How do I change my designated "Receiving Bank Account (Credit Bank Account)" details which I had submitted earlier?

    Any change in critical information such as bank account number requires the existing standing instruction to be terminated first. To do this,

    1. Login to: Education Records System (EduRec)
    2. Click "My Homepage" for drop-down menu
    3. Select "Financials"
    4. Click "Manage Student Financials"
    5. Click "Manage Bank Accounts"
    6. Click "Terminate Receiving Bank Account"
    7. Click "Submit"
    8. Click "OK"
    9. The termination should take effect within 2 working days. Please login to Education Records System (EduRec) to check before repeating steps to "Add a new Receiving Bank Account" with your new account details

Other payment modes for tuition fees & miscellaneous student fees(in EduRec) include:

1. E-Payment with PayNow QR / Convera / Credit Card / Debit Card / AliPay (via Education Records System or NUSFastPay)
2. Local Electronics Funds Transfer (for alumni or students who have not matriculated only)
3. Telegraphic Transfer (TT)

Effective from 1 January 2024, individuals who pay using Credit Card/Debit Card (Visa, Mastercard, Amex) and AliPay will incur a 1% processing fee. For example, if the tuition fee due is S$1,000 (inclusive of GST), the processing fee will be S$10 (inclusive of GST), making the total payment S$1,010.

Please note that the payment mode cannot be changed once payment is made.

Students are encouraged to use other payment modes (e.g. GIRO, Convera via NUSFastPay, PayNow QR via NUSFastPay) which have no processing fees. Individuals may also use telegraphic transfer, which is subject to the usual bank charges.

1. E-Payment with PayNow QR / Convera / Credit Card / Debit Card / AliPay

   1. How do I make e-payment?

      To pay Student Bill online,
      1. Login to NUSFastPay with your NUSNET ID and Password
      2. Under Account Dashboard, please click on “Education Records System”
      3. Upon arriving at the Education Records System payment page, key in the payment amount payable and click on “Add to Fees and Charges Cart”
         To add another Fees / Charges to Cart – Mouse over to Charges and click on the item to make payment for.
      4. If all items added to Fees and Charges Cart are in order, Click on “Process Payment” to check out

   2. How do I know that my payment is successful?

      Upon successful payment, a receipt will be generated onscreen. An official receipt will also be sent to your NUS email address.

   3. Can my parent / guardian pay fees on my behalf?

      If you would like to authorise your parent / guardian to pay your fees on your behalf, click on “Third Party Payer” after “Process payment” (2i above). A payment request will be emailed to your parent / guardian, key in the email address and name of parent / guardian who should receive this request. Do note that this payment will have to be completed within 2 weeks and your parent / guardian can complete the payment by accessing the payment URL embedded in the payment request.

   4. I had made excess payment with my credit card and there is currently a credit balance in my Student Account. Can I request for a refund of the credit balance?

      Any credit balance arising from excess payment will be used to offset your next semester’s fees payable. If there is still an excess balance in your Student Account in the final semester of your studies, the amount will be automatically refunded to your Receiving Bank Account (Credit Bank Account). If you wish to get a refund for the excess payment made before the final semester of your studies, please log a case via OFN NUService Hub. To facilitate the refund, please update your "Receiving Bank Account (Credit Bank Account)" via Education Records System (EduRec) (see FAQs on GIRO Payment).

      You may request for the refund to be made to the credit card from which you originally paid from.

   5. What is the “Convera” payment mode?

      The “Convera” payment mode is for international students to pay your tuition fees and other fees billed in EduRec. Please note that this payment mode can be used to pay for fees from “Education Records System” only. If you add any other fees to your cart, the “Convera” tile will not appear for you to choose. You can also refer to the Convera website for more information.

   6. How do I pay via the “Convera” payment mode?

      Please refer to the 📝Convera userguide for the detailed steps.

2. Local Electronic Funds Transfer

   (for alumni or students who have not matriculated only*)

   1. How do I pay fees via Electronic Funds Transfer?

      1. Transfer payment to NUS DBS bank account number, details provided as follows:
         • Indicate the A-series Student Number in the reference field of the transaction.
         • Please note that this bank account is only for payment of fees reflected on the student bill (from EduRec).
      2. Make the payment as follows:

         NUS Bank Account Name:	National University Of Singapore
         NUS Bank Account Number:	88507200001
         Beneficiary’s Bank:	DBS Bank Ltd, Singapore

      Note: For current students, please pay via NUSFastPay > Scan “PayNow QR Code” or GIRO.

3. Telegraphic Transfer (TT)

   1. How do I pay fees via telegraphic transfer?

      To pay by telegraphic transfer (TT), please:

      1. Provide the following details as part of your TT Advice, in this order:
         • A-series Student Number*
         • Full Name
         • Purpose of Payment (e.g. Tuition fee payment)
         *There may be delays to the update of your payment in EduRec if the payment details does not start with your A-series Student Number.
      
      
      2. Make the payment as follows:

         NUS Bank Account Name:	National University Of Singapore
         NUS Bank Account Number:	88507200001
         Beneficiary’s Bank:	DBS Bank Ltd, Singapore
         Bank Address:	12 Marina Boulevard, DBS Asia Central, Marina Bay Financial Centre Tower 3, Singapore 018982
         Bank Code:	7171
         Branch Code:	032
         Swift Code For TT:	DBSSSGSG

         
         
         Please note that:
         • All bank charges for TT are borne by students and only nett payment will be credited to their Student Account. Please indicate the “Detail of charges” as “OUR”.
         • If the TT payment is not updated to Student Account within 7 working days of the TT value date, affected students are to provide the following and log a case via OFN NUService Hub to facilitate the tracing of payment and updating of his/her Student Account:
           • A copy of Telegraphic Transfer (TT) Advice
           • Full Name
           • A-series Student Number

4. How do I pay for hostel fees?

   1. You can pay for hostel fees via one of the payment modes:

      1. Payment with PayNow QR / Credit Card / Debit Card / AliPay:
         • Online student portal: https://uhms.nus.edu.sg/students
         • NUS FastPay: https://nusfastpay.nus.edu.sg/home/menu)
      2. Telegraphic Transfer. To pay by telegraphic transfer (TT), please:
         1. Provide the following details as part of your TT Advice, in this order:
            • A-series Student Number*
            • Full Name
            • Purpose of Payment (e.g. Hostel fee payment))
         2. Indicate the “Detail of charges” as “OUR”. All bank charges for TT are borne by students and only nett payment will be credited to their UHMS Hostel Account.

            NUS Bank Account Name:	National University Of Singapore
            NUS Bank Account Number:	032-000313-3
            Beneficiary’ s Bank:	DBS Bank Ltd, Singapore
            Bank Address:	12 Marina Boulevard, DBS Asia Central, Marina Bay Financial Centre Tower 3, Singapore 018982
            Swift Code For TT:	DBSSSGSG

1. Is there any financial assistance available for students?

   Yes. NUS offers a variety of Financial Aid (FA) schemes to help meet educational and living expenses of financially-needy students.

2. How can I find out more on Financial Aid (FA) such as eligibility, application procedures, etc.?

   For undergraduate students, details are available at Office of Financial Aid's website at http://www.nus.edu.sg/oam/financial-aid and the various sub-sites listed below:

   Information on:	URLs
   Application	http://www.nus.edu.sg/oam/financial-aid/application
   Financial Aid (FA) Calendar and Disbursement Schedule	http://www.nus.edu.sg/oam/financial-aid/financial-aid-calendar

   
   

   For graduate students, please see http://www.nus.edu.sg/admissions/graduate-studies/scholarships-financial-aid-and-fees.html.

3. If I have successfully applied for more than 1 Financial Aid (FA), what is the order of priority of payment for my Tuition Fee and Miscellaneous Student Fees?

   The order of priority of payment is as follows:

   1. Scholarship that covers 100% of Tuition Fee / Mendaki Tertiary Tuition Fee Subsidy (TTFS)
   2. SkillsFuture Credit (SFC)
   3. Post-Secondary Education Account (PSEA) Scheme
   4. Central Provident Fund (CPF) Education Loan Scheme (CELS)
   5. NUS Study Loan
   6. Tuition Fee Loan (TFL)
   7. Bursaries
   8. GIRO deduction / Others

4. What happens if the total amount of all my Financial Aid (FA) is less than my outstanding fees?

   When the total amount of all your FAs is less than your outstanding fees, the remaining amount of your outstanding fees (i.e. debit balance) will still need to be paid via GIRO.

5. What happens if the total amount of all my Financial Aid (FA) is more than my outstanding fees?

   When the total amount of all your FAs is more than your outstanding fees, the resulting excess balance will be refunded to your Receiving Bank Account (Credit Bank Account) by the timelines indicated in http://www.nus.edu.sg/oam/financial-aid/financial-aid-calendar.

   To facilitate the refund, please update your "Receiving Bank Account (Credit Bank Account)" via Education Records System (see FAQs on GIRO Payment).

1. What is the CPF Education Loan Scheme (CELS)?

   The CPF Education Loan Scheme (CELS) is a loan scheme which allows you to use your parents' or your own Ordinary Account (OA) savings to pay for your 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.

2. How do I know whether I am eligible for CELS?

   • Singapore Citizens and Permanent Residents taking full-time subsidised undergraduate programmes, regardless of family income
   • Returning National Servicemen registering as undergraduate students in July/August and reading Internal Blended Learning Online Courses (iBLOCs)/Special Term Courses (only tuition fee portion is applicable)

3. How do I apply for CELS if I am eligible?

   Details of the CELS, eligibility criteria, application procedures & deadlines etc. can be found at:

   • NUS Office of Financial Aid’s website at https://www.nus.edu.sg/oam/financial-aid/schemes-for-tuition-fees-and-or-living-costs/cpf-education-loan-scheme
   • CPF Board’s website at https://www.cpf.gov.sg/member/faq/other-schemes/cpf-education-loan-scheme

4. I have missed the application period for CELS. Can I submit a late application?

   All applications under the CPF Education Loan Scheme should be submitted online within the application period. No late applications will be entertained. You may refer to the Application Schedule to Use CPF Savings under the CPF Education Loan Scheme for the application period.

5. Do I need to re-apply for the CELS every semester?

   No, your approved CELS application is a standing instruction to allow your Tuition Fee to be deducted from the authorised CPF account when due. This instruction will remain valid until you submit a written request to CPFB to terminate it.

6. My application for CELS has been approved but it is still not reflected in my student bill. The payment due date is approaching. (a) Should I pay the outstanding amount as stated in the bill or the net amount after deducting CELS? (b) Why do I still have outstanding fees payable in my Student Account after deduction for my Tuition Fee using CELS?

   (a) If you have applied for the CELS within the stipulated deadline, please pay the net amount (outstanding amount in student bill less CELS payment). The CELS will be reflected in your student account 2 weeks before the first GIRO deduction. Please log in to your EduRec student account to check that the deduction is successful and there is no outstanding balance after the deduction. If the deduction is unsuccessful, please make payment for the outstanding balance as soon as possible. Please see herefor exact fee payment due dates. Please see (b) below for the net amount payable.

   (b) As stipulated by CPFB and subject to CPF withdrawal limits, CELS can only be used to pay the Tuition Fee of full-time undergraduates taking MOE-subsidised courses. Hence, other fees including the Miscellaneous Student Fees (MSF) and Hostel Fees have to be paid separately by GIRO or other payment modes.

7. I have applied for CELS, but to date, no deduction has been made from my father’s CPF account and my Tuition Fee is still outstanding. What should I do now? Would the late fee charge be waived?

   If your CELS application is successful, CPFB will inform the member (in this case, your father) of the outcome and proceed to pay your Tuition Fee to NUS. In the event that no payment is effected, please contact CPFB directly at 1800 227 1188 to check on your application status.

   Any outstanding fees in your Student Account after the fee payment due date will incur late fee charge. You may log a case via OFN NUService Hub with valid reasons to appeal for waiver of the late fee charge.

8. I had applied for CELS but have been informed that there are insufficient funds in my father’s CPF account. What should I do?

   When applying for CELS, students have to ensure that there are sufficient funds in the designated CPF account. If CPF funds are insufficient, students will still have to pay their outstanding Tuition Fee with other sources of funds.

   Students who need further financial assistance can check the Office of Financial Aid’s website at http://www.nus.edu.sg/oam/financial-aid. Alternatively, students may contact CPFB at 1800 227 1188 to understand the procedures to apply for use of another CPF member’ fund under the CELS.

9. When and how do I make repayment of funds utilised under the CELS?

   Repayment starts 1 year after graduation or upon leaving the course, whichever is earlier. You may make partial, lump sum or monthly instalments to CPFB for the full amount of CPF funds utilised plus the interest from the time the funds are withdrawn. The interest, which is based on the prevailing CPF interest rate, will be credited into the CPF account of the member whose savings had been used.

   Students who have left NUS and have credit balance in their own Post-Secondary Education Account (PSEA) may also opt to use the PSEA funds for payment of their outstanding CELS loan. For more details, please refer to PSEA website at https://www.moe.gov.sg/financial-matters/psea/funds-balance-and-usage/loans-and-approved-financing-scheme.

10. How do I terminate my approved CELS?

    To terminate your approved CELS, please refer to CPFB website https://www.cpf.gov.sg/member/faq/other-schemes/cpf-education-loan-scheme/how-do-i-revoke-the-use-of-cpf-savings-under-the-cpf-education-l

1. What is the Post-Secondary Education Account (PSEA) scheme?

   The PSEA Scheme helps parents save for their children's post-secondary education by maintaining a Post-Secondary Education Account (PSEA) with the Ministry of Education. PSEA is opened automatically for all eligible Singaporeans. PSEA is not a bank account.

2. How do I know whether I am eligible for PSEA?

   To know whether you are eligible for PSEA, please refer to MOE's website at https://www.moe.gov.sg/financial-matters/psea/overview

3. How do I apply for PSEA if I am eligible?

   PSEA is to be submitted online, via the following links:
   • PSEA Standing Order Form: https://form.gov.sg/6474b480f8051b001280877b
   • PSEA Ad-hoc Withdrawal Form (Own PSEA Account Only): https://go.gov.sg/psea-withdrawal-nus1
   • PSEA Ad-hoc Withdrawal Form (Own and Sibling's PSEA Account): https://go.gov.sg/psea-withdrawal-nus2

   These forms are applicable to students reading the following programmes: Undergraduate programmes, Graduate programmes, Non-graduating programmes, and L3 Modular Courses. For students reading certification/short courses, please check with your respective course/programme administrator.

   For more information, please refer to: https://www.nus.edu.sg/oam/financial-aid/schemes-for-tuition-fees-and-or-living-costs/post-secondary-education-account

`

4. What is the difference between PSEA Standing Order (SO) and PSEA Adhoc Withdrawal?

   The PSEA Standing Order (SO) is applicable to students who want to pay their semesters' tuition and miscellaneous student fees using PSEA funds. This standing instruction is a one-time application and will remain valid until it is terminated with a duly completed PSEA SO Termination Form submitted to MOE. Applications have to be made within the stipulated application periods published on NUS Financial Aid's website.

   The PSEA Adhoc Withdrawal is an application for use of PSEA funds for a one-off/specific amount payment, e.g. pay for current semester's fees as the PSEA SO's application deadline has been missed. A fresh PSEA Adhoc Withdrawal Form has to be submitted for each withdrawal. It takes about a month for PSEA Adhoc withdrawal to be credited to NUS for fee payment.

   To avoid double payment, students should not apply for PSEA Adhoc withdrawal if they already have valid SO maintained with MOE from the start of the semester.

5. Can I use my PSEA funds to pay only miscellaneous student fees?

   Yes. To use PSEA funds to pay only miscellaneous student fees, you will need to submit a fresh PSEA Adhoc withdrawal form for each semester.

6. I have not set up a PSEA Standing Order (SO) arrangement for my studies in NUS. However, NUS has deducted my PSEA funds for payment of fees. Is the deduction a mistake?

   Once a PSEA SO is set up, the standing instruction will apply to all future withdrawals until the SO is terminated or replaced, regardless of which approved institution you attend. This means that the PSEA SO that you had set up with the approved institution prior to your study in NUS will remain valid until MOE receives your PSEA SO Termination Form. Hence, the deduction is not a mistake.

   If you do not wish to continue to use your PSEA/your sibling’s PSEA to pay for your fees, pls submit the termination form to MOE online at:

   https://form.gov.sg/#!/5e8581e37191390011a12e22

7. Can I use the funds in my Post-Secondary Education Account (PSEA) for repayment of loans taken during my course of study at NUS?

   Yes. Students who have left NUS and have outstanding loans repayable under the Tuition Fee Loan (TFL) / NUS Study Loan (SL) / Overseas Student Programme (OSP) and CPF Education Loan Scheme (CELS) may use PSEA funds for loan repayment. For more details, please refer to PSEA website at: https://www.moe.gov.sg/financial-matters/psea/funds-balance-and-usage/loans-and-approved-financing-scheme

8. What is the application deadline for PSEA for payment of Tuition Fee and Miscellaneous Student Fees? When will the PSEA funds be disbursed and reflected in my student account?

   Please refer to NUS Office of Financial Aid's website at https://www.nus.edu.sg/oam/financial-aid/schemes-for-tuition-fees-and-or-living-costs/post-secondary-education-account for the application period and disbursement timeline.

   *For PSEA application deadline for SEP/NOC/Overseas/Enrichment/Preparatory Programmes, Residential College Fees and Health Science Students, please refer to OAM's website for details.

9. I have submitted my PSEA application form by the application deadline and checked that there are sufficient funds in the relevant PSEA account, but the PSEA funds are still not reflected in my student bill. The payment due date is approaching. Should I pay the outstanding amount as stated in the bill or the net amount after deducting PSEA?

   The PSEA payment will be reflected in your student account by the disbursed date stated in Q9 above. Please apply for GIRO to facilitate payment of the outstanding balance after offsetting the PSEA amount claimed. The outstanding balance (after offsetting the PSEA amount claimed) will be deducted automatically on the scheduled GIRO deduction dates.
   (If you prefer to pay via a different payment mode, please make the amount net of PSEA. To check your PSEA account’s balance, please call MOE’s 24-hour automated Edusave/ PSEA hotline 62600777.)

1. What is SkillsFuture Credit (SFC)

   The SkillsFuture Credit (SFC) consists of an initial credit of S$500 which Singapore Citizens aged 25 years and above can use to make payment of course fees for attending courses approved by SkillsFuture Singapore (SSG). From 1 Oct 2020, Singapore citizens aged 25 or above will receive a one-time $500 SkillsFuture Credit Top-up. In addition to this one time $500 credit top-up, Singapore citizens aged 40 to 60 in 2020 will receive an Additional SkillsFuture Credit (Mid-Career Support) of $500. From 1 May 2024, if you are a Singaporean aged 40 and above, you will receive $4,000 SkillsFuture Credit (Mid-Career). The credits may be used in addition to existing course fee subsidies provided by the Government.

   Details can be found at My SkillsFuture portal.

2. Where can I find a list of NUS courses that are eligible for use of the SFC?

   NUS courses that are eligible for use of the SFC can be found on the Training Exchange at https://www.myskillsfuture.gov.sg/content/portal/en/training-exchange/course-landing.html. In the search bar, type the words National University of Singapore and click the “Search” button to see the list of courses offered by NUS.

3. If I am taking a SFC-eligible course conducted by NUS, can I utilise the SFC to pay my course fee?

   You may utilise SFC to pay course fee if you/your:

   • are a Singaporean who is at least 25 years old
   • tuition fee only
   • apply in the week^* before the course/semester start date (including the 1^st day of the course/semester) with an uploaded copy of your Student Bill that shows:
     1. Your Full Name
     2. Complete Course Title and Course Start Date
     3. Itemised breakdown of course fee and the total amount payable

   ^*A copy of the Student Bill needs to be uploaded at the point of applying for SFC. As such, SFC will not be available in instances where the Student Bill is available only after the add/drop module period that takes place after the start of semester, e.g. Special Term fees.

4. How do I apply for SFC?

   You may use your SingPass to login at SFC portal: http://www.myskillsfuture.gov.sg/ to submit your application.

5. When will I receive the SFC payment if my application is approved by SSG?

   Upon approval by SSG, the SFC payment will be credited to your Student Account in Education Records System (EduRec) to offset your tuition fees within 4 - 5 weeks after your course start date. Please note that even if your claim status is “Paid to TP (Training Provider)”, it does not mean that your claim has been disbursed to NUS.

6. It has been 4-5 weeks after my course start date but I still do not see the SFC claim in my Student Bill.

   Kindly take a screenshot of your SFC claim (with your claim ID and status) and log a case via OFN NUService Hub and we will check with SSG for you.

7. SSG has approved my SFC claim. How much do I need to pay to NUS?

   Please proceed to pay the amount payable on your Student Bill, net of your approved SFC claim. (Eg, If your outstanding student bill is $10,000 and approved SFC claim of $4,000. Please make the balance of $6,000 ($10,000-$4,000) preferably via Non-Credit Card Processing payment mode such as GIRO, Convera via NUSFastPay or PayNow QR via NUSFastPay).

8. What could be the possible reasons for SSG's rejection of my SFC application?

   It may be because you have:

   • applied for SFC amount that is more than the outstanding course fees shown in the Student Bill
   • provided the incorrect course details such as 'Course Start Date'

   You may wish to contact SSG at 6785 5785 or through their feedback portal to enquire on the reason of rejection for your SFC application.

9. What happens when I provide incorrect course details in my SFC application?

   It is important that you provide the correct course details at time of application as all SFC payment with incorrect course details may be refunded to SSG.

10. What if I need to cancel my SFC application?

    You may cancel your SFC application online at SFC Portal: http://www.myskillsfuture.gov.sg/

    If you wish to cancel:	Outcome
    Up to and including 'Course Start Date'	No SFC payment will be made by SSG to NUS
    After 'Course Start Date'	SFC cannot be cancelled after 'Course Start Date'

    
    

11. Can I get cash refund for the credits under the SFC scheme?

    No, the credits from the SFC scheme is strictly meant for offset of only tuition/course/ examination fees as stipulated by SSG. For other non-tuition/course fees such as miscellaneous student fees, you will have to use other payment modes. As such, any SFC payment in excess of your tuition/course/examination fees charged will be refunded to SSG.

12. I would like to make a SFC claim but I have made full payment of my student bill. Is NUS able to do a refund/partial refund so that I can make a SFC claim?

    NUS is unable to do a refund/partial refund for this purpose. Kindly submit your SFC application for the next semester in the week before the next semester starts.

13. I paid my bill in full after SSG has approved my claim. Can I get a refund?

    You should not pay NUS for the approved SFC amount. The credit balance in your EduRec account (after SFC claim has been updated) will be rolled over to the next semester to offset your fees for next semester. If this is your last semester, kindly log a case via OFN NUService Hub to request for a refund after the SFC claim disbursement has been updated in your bill.

1. How do I know whether my student loan application is approved?

   Application for Tuition Fee Loan (TFL) is considered pre-approved subject to the:

   • acceptance of your application form by the bank, and
   • issuance of the Letter of Offer (contained within the TFL application form)

   For the other student loans such as NUS Study Loan (SL), NUS Student Assistance Loan (SAL) and Overseas Student Exchange Programme Loan (OSEP), application is approved with the issuance of the respective Letter of Offer.

   Hence, it is important that you update your contact details in Education Records System and with the relevant banks (DBS Bank / OCBC Bank) so that you can be contacted for any clarification on your loan application.

2. How long does it take for my student loan application to be approved?

   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.

3. (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?

   Depending on whether you are an existing or new loan recipient, and subject to the proper execution of your loan agreement(s), the period of disbursement for the various loan schemes are as follows:

   S/N	Loan Scheme	Maximum Loan Value	Award Period	Estimated Time Disbursement# is updated in Student Account
   				Students awarded in Prior Academic Year		Students awarded during Application Period in Current Academic Year
   				Semester 1 (Aug - Dec)	Semester 2 (Jan - May)	Semester 1 (Aug - Dec)	Semester 2 (Jan - May)
   1*	Tuition Fee Loan (TFL)	Up to 90% of subsidised Tuition Fee payable by Singapore Citizens for same course & same fee cohort year	Full duration of studies in NUS	Early to mid-August	Mid to end January	Mid to end August	Mid to end January
   2.	NUS Study Loan (SL)	10% or 20% of subsidised Tuition Fee payable by Singapore Citizens	Full duration of studies in NUS	End August to early September	Mid to end January	End September	Early February
   3.	NUS Student Assistance Loan (SAL)	Varies according to financial need & nationality of applicants, and fund availability	Full duration of studies in NUS	Late August to September	Late January to February	Within 2 weeks from completion of signing of loan agreement in early September	Within 2 weeks from completion of signing of loan agreement which is on an ad-hoc basis
   4.	Overseas Student Exchange Programme Loan (OSEP)	Maximum of $3,000 per semester	Per Exchange Programme basis; Re-application needed	N.A.	N.A.	2 weeks before student departs on Exchange Programme

   ^*For Graduate Students, please see https://nusgs.nus.edu.sg/financial-aid/
   ^#See also Financial Aid Calendar and Disbursement Schedule
   



4. I was awarded 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?

   This is your Preliminary Bill. TFL is only updated at the start of the semester. Please check your Student Bill after term starts.

5. I have been awarded the NUS Study Loan (SL), NUS Student Assistance Loan (SAL) and a bursary. But my Student Bill does not show the loans and bursary awarded. Why?

   SL, SAL, bursaries and grants are grouped under "Other Loans & Awards" 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 "Other Loans & Awards" in your Student Bill will not be reflected.

6. I have been awarded Tuition Fee Loan (TFL) and NUS Study Loan (SL). But there is still outstanding amount in my Student Bill. Why?

   Tuition Fee Loan (TFL) covers only the 90% of the Singapore Citizen subsidised Tuition Fee payable and does not cover Miscellaneous Student Fees (MSF). Whereas, NUS Study Loan (SL) covers 10% or 20% of the Singapore Citizen rate, and is grouped under "Other Loans & Awards" 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

7. I am an international student. I have checked my Student Bill and the Tuition Fee Loan (TFL) is not 90% of my Tuition Fee. Why?

   This is because the 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.

8. How is the NUS 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?

   After the first day of the semester, please check your Student Bill under "Other Loans & Awards" for the NUS Study Loan amount disbursed to you. NUS 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.

9. When will I receive my NUS Study Loan (SL) allowance / NUS Student Assistance Loan (SAL) amount?

   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.

10. When will I receive my Overseas Student Exchange Programme (OSEP) amount?

    The amount will be credited into your bank account within 2 weeks of the loan agreement signed date.

11. How do I view the total loan amounts disbursed to me over the years?

    To view the total loan amounts disbursed,

    1. Login to Education Records System (EduRec)
    2. Click "My Homepage" for drop-down menu
    3. Select "Financial Self Services"
    4. Click "View Financial Aid Disbursed"
    5. Click "View All" to display all line items
    6. Click "FA Code" to sort by the various financial aids disbursed
    7. Add the amounts for the applicable line items to find the total amounts disbursed (e.g. Tuition Fee Loan, NUS Study Loan)

12. What is my NUS Study Loan (SL) / NUS Student Assistance Loan (SAL) / Overseas Student Exchange Programme Loan (OSEP) loan outstanding amount?

    To check loan outstanding amount,

    Loan Scheme	Check with:
    NUS Study Loan (SL)	DBS Bank or OCBC Bank
    NUS Student Assistance Loan (SAL)	OCBC Bank
    Overseas Student Exchange Programme Loan (OSEP)	Login to Education Records System to check the disbursed amount. If you have just graduated, please refer to the letter that NUS sent you. If you have made repayments, please log a case via OFN NUService Hub to ascertain the outstanding amount.

13. What do I do if I need to change guarantors for my Tuition Fee Loan (TFL) and / or NUS Study Loan (SL)?

    Students are not allowed to change their guarantor except in the event of bankruptcy, death, insanity or disability of the guarantor, for which the student is required to:

    • inform the bank immediately in writing, and
    • appoint an alternative guarantor acceptable to the bank within one month from the occurrence of the event incapacitating the existing guarantor

14. What do I need to do if I want to terminate the Tuition Fee Loan (TFL) in the middle of my course of study?

    You may not need TFL disbursements to pay Tuition Fee if you have been awarded a scholarship after signing up for TFL scheme.

    To terminate or suspend the TFL disbursements, you will need to contact:

    • Your TFL-administering bank (DBS Bank / OCBC Bank) for advice on loan termination procedures, and
    • NUS Office of Finance at OFN NUService Hub for updating of your Student Account

15. I have accepted NUS Study Loan (SL). Can I withdraw / cancel / suspend it?

    You can call or write in to Office of Financial Aid (OFA) at:

    • Phone: (65) 6516 2870
    • Email enquiry: https://www.askadmissions.nus.edu.sg/
    • Undergraduate Financial Aid website: http://www.nus.edu.sg/financialaid

16. I will be graduating in the coming semester. How do I make repayment for my student loans?

    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:

    Loan Scheme	Check with:
    Tuition Fee Loan (TFL)	DBS Bank or OCBC Bank
    NUS Study Loan (SL)	DBS Bank or OCBC Bank
    NUS Student Assistance Loan (SAL)	OCBC Bank
    Overseas Student Programme Loan (OSP)*	OCBC Bank

    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 Tuition Fee Loan (TFL), NUS Study Loan (SL) and Overseas Student Programme (OSP) Loan. For more details, please refer to PSEA website at https://www.moe.gov.sg/financial-matters/psea/funds-balance-and-usage

    For Overseas Student Exchange Programme Loan (OSEP), NUS will send you a letter upon your graduation to inform you of the repayment options and loan amount to repay directly to NUS either by:

    • GIRO instalment, or
    • Cheque crossed and made payable to NATIONAL UNIVERSITY OF SINGAPORE
      Please:
      1. Write the following details on the reverse side of your cheque:
         • A-series Student Number
         • Full Name
         • Telephone Number
         • Loan Reference Number, and
      2. Mail to:
             Office of Finance (Accounts Receivables Team)
             National University of Singapore
             University Hall
             Tan Chin Tuan Wing, UHT #03-02
             21 Lower Kent Ridge Road
             Singapore 119077

17. Can I ask for a deferment to repay my student loan when it is due?

    Please contact the relevant banks regarding your request:

    Loan Scheme	Check with:
    Tuition Fee Loan (TFL)	DBS Bank or OCBC Bank
    NUS Study Loan (SL)	DBS Bank or OCBC Bank
    NUS Student Assistance Loan (SAL)	OCBC Bank
    Overseas Student Programme Loan (OSP)*	OCBC Bank

1. If there is a need for NUS to contact me via email, which email address will I be reached at?

   Students will be contacted via their NUS-assigned email addresses (xxxx@u.nus.edu) and not via their personal email addresses.

2. Why is it important that I update my contact details, including residential, mailing and payment addresses in my Student Account?

   It is important for students to update changes in their contact details to ensure that they receive timely communication from NUS, such as payment advice for refunds made.

   Students are to update changes in their contact details as follows:

   Matters relating to:	Update at / Contact
   Student records (including "Payment Address", “Contact Details” etc.)	Login to Education Records System (EduRec) Click "My Homepage" for drop-down menu Click "Personal Info" Click on the respective tile to update
   Tuition Fee Loan (TFL) (with DBS Bank) NUS Study Loan (SL) (with DBS Bank) Notebook Computer Loan (NCL)	DBS Bank
   Tuition Fee Loan (TFL) (with OCBC Bank) NUS Study Loan (SL) (with OCBC Bank) NUS Student Assistance Loan (SAL)	OCBC Bank

   
   

3. When I write to enquire on my Student Bill or Financial Aid (FA) disbursement matters, what information must I furnish to facilitate a reply?

   Students are to use their NUS-assigned email account (xxxx@u.nus.edu) where possible, and provide their A-series Student Number in their communication with NUS.

4. Can I not provide my "Payment Address" since it is the same as my "Mailing Address"?

   You need to provide your "Payment Address" because the information is accessed directly by the University's payment system when processing refund to you. Hence, please ensure that both your "Payment Address" and "Mailing Address" are updated.