Tuition Grant vs Tuition Fee Loan – Apa Bedanya?

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Beberapa dari kalian bertanya, apa sih bedanya Tuition Grant dan Tuition Fee Loan? Perbedaan yang utama adalah, untuk Tuition Grant, kamu nggak perlu membayar balik! Untuk Tuition Fee Loan, karena berbentuk pinjaman, mau bagaimanapun harus dibayar kembali secara penuh, plus bunga.

Tuition Grant

Untuk mahasiswa dari luar Singapura, mengambil Tuition Grant berarti kamu harus bekerja selama tiga tahun di perusahaan yang terdaftar di Singapura. Grant yang diberikan Kementerian Pendidikan (Ministry of Education – MOE) ini juga diberikan hanya kepada beberapa lembaga pendidikan tertentu, seperti universitas negeri (bukan sekolah swasta), politeknik lokal, dan lembaga seni Nanyang Academy of Fine Arts (NAFA) dan Lasalle College of the Arts (Lasalle). Grant ini juga hanya mencakup sekitar 50% dari total biaya, sehingga kamu masih harus membiayai sisanya. Silahkan buka situs MOE mengenai Tuition Grant Scheme, dan FAQs.

Tuition Loan

Tuition Fee Loan, selain harus dibayar kembali, juga biasanya diberikan hanya untuk universitas negeri dan politeknik lokal, bukan untuk sekolah swasta. Memang ada pinjaman lain yang diberikan bank di Singapura untuk sekolah swasta, tapi biasanya hanya untuk warganegara dan penduduk tetap (Permanent Resident – PR) saja.

No Grant or Loans

Pada akhirnya, mahasiswa asing yang kuliah di universitas swasta Singapura harus bayar melalui Beasiswa Papa & Mama, beasiswa dari sekolah swastanya langsung, atau mengambil pinjaman dari negara asal. (lihat artikel terkait “Money no enough? Get someone else to pay for your studies“)

Some of you have asked what’s the difference between a Tuition Grant and a Tuition Fee Loan. The big difference is: for the Tuition Grant you don’t have to pay it back! The loan, however, have to be paid back in full, with interest.

Tuition Grant

For overseas students, with the Tuition Grant you do have to serve a 3-year bond and work in Singapore-registered companies. The grant, given out by the Ministry of Education (MOE), is also only given for studies in certain institutions like the national universities (i.e. not private schools), the local polytechnics, and arts institutions Nanyang Academy of Fine Arts (NAFA) and LASELLE College of the Arts (Laselle). It also only covers about 50% of fees, so you still have to fund the other half. Please check out the MOE website on the Tuition Grant Scheme, and the FAQs on it.

Tuition Loan

Tuition Fee Loans, besides having to be paid back, are also usually given out only to studies in the state universities and local polytechnics i.e. again not for private schools. There are other study loans given out by banks in Singapore for private school studies but these are for Singapore citizens and Permanent Residents (PRs) only.

Beasiswa Mama Papa

End of the day, foreign students studying in Singapore private schools will have to fund their education either through Papa & Mama Scholarships, scholarships offered by a few of the private schools, or take out a student loan in their home country. (see related article “Money no enough? Get someone else to pay for your studies“)

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About the Author

Weej is an ex-banker who regretted her career choice and is now forcibly trying to do a U-turn into writing and/or education.

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