MOE Tuition Fee Loan

Funded by the government and administered by OCBC Bank, the MOE Tuition Fee Loan (TFL) covers up to 90% of the subsidised tuition fees payable by Singaporean students.  To finance the remaining subsidised tuition fees not covered by the TFL, eligible students can apply for the MOE Study Loan (SL).  TFL is interest-free during the student's course duration.

TFL does not cover the payment of annual/miscellaneous fees.

>> Click HERE - How the MOE TFL can help with your tertiary education financing

(a)  All full-time undergraduate students.
(b)  Full-fee paying undergraduate students are not eligible.
(c)  Please refer to the application form for other categories of undergraduate students who are not eligible.

Up to 90% of subsidised tuition fees payable by undergraduate Singaporean students.

Note:
(a)  The quantum of loan does not include payment of annual/miscellaneous fees.
(b)  The quantum of loan is pegged to the subsidised tuition fees payable by undergraduate Singaporean students.

(a)  Interest-free during course of study, ie interest is computed upon graduation.
(b)  Interest and loan sum are paid to OCBC Bank.
(c)  Repay in full if student withdraws.

(a)  Application Dates

Tuition fees financing for course duration commencing (one-time application):

• Financing commencing Term 1 - Window 1: 1 July 2026
• Financing commencing Term 2 - Window 2: December to February

(b)  Application Submission

Apply via OCBC website - FRANK x SMU Student Loan | FRANK by OCBC.

• Complete the application form accordingly before printing out the hardcopy form.
• Proceed to any of the OCBC Frank retail stores or branches with the hardcopy form and your guarantor to complete the application and signing process.
• Physical NRIC/Passport and SMU Student ID/Card and photocopies of each identification required for verification purposes (Freshmen who have not collected SMU Student ID/Card may provide Enrolment Status Letter as proof of admission, by requesting for the letter via OASIS > Home > Finance & Admin > Certification & Personal Info > Enrolment Letter & Academic Summary).

>> Click HERE to view details of the loan schemes

Office of Finance
Singapore Management University
81 Victoria Street
Singapore 188065

>> Click HERE to submit enquiry to Office of Finance

Contact OCBC FRANK Retail Stores or Branches for enquiries relating to Tuition Fee Loan and/or application status, and your loan repayment plan prior to/upon your completion of studies.

Tel: 1800 363 3333 (within Singapore)
      +65 6363 3333 (outside Singapore)

Contact Office of Finance for enquiries relating to the following:

- Post-Secondary Education Account
- CPF Education Loan Scheme
- Mendaki Tertiary Tuition Fee Subsidy Scheme

>> Click HERE to submit enquiry to Office of Finance

Financial aid schemes for undergraduates:

Centre for Student Financial Assistance
Office of Admissions and Financial Assistance
Singapore Management University
81 Victoria Street
Level 3 SMU Administration Building
Singapore 188065

Email: finasst@smu.edu.sg

Acronyms used: SC - Singapore Citizen; SPR - Singapore Permanent Resident; FS - Foreign Student