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

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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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  • Silvia Angkasa

    Hey, weej.
    I work as a banker right now. I just gradute from my bachelor degree and in process of finnishing my s1 in management skill. I got so confuse about how I end up this way.
    And for now I wish to do the U turn as well. And I choose writer or other literature path as well.
    I would like to study literature in Singapore. Could you give me some advice and recomendation? Where to study? Things that I need to get the tuition grant?

    I really wish for a reply. Thank You. 😀

    • Theresia Marten

      Hey, Silvia!

      As far as I know, English Literature Major is available at NIE (Nanyang Institute of Education), NTU (Nanyang Technological University), NUS (National University of Singapore), SIM (Singapore Institute of Management) and SMU (SIngapore Management University). You can find out more by visiting their official websites. About the curriculum, I believe what is taught there would be most likely similar. You can even try to apply to each of those universities. However, to be enrolled in English Literature Major, you need to be strong in English, especially in reading and writing, as you will be expected to read a lot in a limited time and deduce it into writings.

      You will be automatically entitled to tuition grant once you are admitted by the university; in your case, NIE, NTU, NUS, and SMU. If you are Singapore Citizen or Singapore PR, you will be granted tuition grant if you study at SIM as well. Additionally, you will be required to sign a contract, along with your two guarantors.

      Hope it answers your question :)

  • Joshua

    Hallo kak..
    Mw tanya ttg scholarship untuk medicine.. gimana cara ngeringanin biayanya… ? Harus ambil tuitionnya gimana dan biaya yang harus di bayar berapa ? Thanks :))

    • http://sekolahsg.com/members/theresiamarten/ Theresia Marten

      Halo Joshua!

      Biaya pendidikan medicine berbeda-beda untuk tiap universitas di Singapura. Kalo boleh tahu, universitas mana yang kamu daftarkan?

      Untuk meringankan biaya pendidikan, umumnya setiap mahasiswa akan terikat tuition grant. Tuition grant ini merupakan bantuan finansial dari pemerintah Singapura, namun mahasiswa tersebut wajib menjalankan kontrak kerja di perusahaan Singapura selama 3 tahun.

      Selain itu, kamu bisa mendaftarkan beasiswa juga. Setiap universitas menyediakan beberapa beasiswa yang berbeda. Untuk itu, saya perlu tahu dulu universitas mana yang ingin kamu daftarkan.

  • Nabila Meiwindita

    Hai Kak,

    Aku mau nanya, jika kita sudah ambil Tuition Grant apakah jg bisa ambil study loan/tuition loan?

    Btw, aku rencana mau apply di SMU/NUS dgn major social science, kira kira estimasi biayanya berapa ya? terima kasih:)

  • Dyani Prades Pratiwi

    hai kak, aku rencana mau ambil master di NUS jurusan sastra inggris. aku mau nanya, apa gelar di NUS sudah diakui DIKTI atau belum, karena beberapa temen ada yg kuliah di luar, ketika kembali ke indo ternyata gelarnya blm diakui. hmm, satu lagi kalau ambil tuition grant syaratnya apa saja? apakah semua mahasiswa bisa ambil? mohon infonya kak, terimakasih.

    • Theresia Marten

      Halo Dyani!

      Mengenai apakah gelar NUS sudah diakui DIKTI atau belum, sebaiknya ditanyakan ke pihak DIKTI secara langsung saja.

      Karena programme master termasuk ke postgraduate programme (pasca sarjana), maka subsidi dari pemerintah dikenal dengan nama “Service Obligation Scheme” (“Tuition Grant Scheme” hanya diberikan kepada undergraduate students and those pursuing diploma).

      Untuk persyaratan dan eligibility untuk mendapatkan Service Obligation Scheme ini, kamu bisa baca disini https://tgonline.moe.gov.sg/docs/SOA-FAQ.pdf

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