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StudentLoanSG
Apply, track and manage your Higher Education Student Loan (HESL)
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About HESL
HESL eligibility checker
Application process
About HESL
The Higher Education Student Loan (“HESL”) Scheme offered by the Ministry of Education of the Government of Singapore (“MOE”) is to help students finance their MOE-subsidised diploma, undergraduate or postgraduate programmes in our publicly-funded institutions. HESL comprises four components as highlighted below:
Buildings
Base provision
Covers part of the tuition fees payable for the course of study based on course type and student citizenship 
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Buildings
Balance loan coverage
Means-tested additional provision that covers the remaining subsidised tuition fees payable based on course type for eligible Singapore Citizen students
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Buildings
Living allowance
Means-tested provision which provides up to $3,200 per year for eligible full-time diploma students and up to $4,100 per year for eligible full-time undergraduates
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Buildings
Overseas student programme
Means-tested provision which provides up to $12,000 for cost of institution-approved overseas student programme for eligible Singapore Citizen full-time undergraduates
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1 HESL scheme is a consolidation of the three loan schemes (Tuition Fee Loan, Study Loan and Overseas Student Programme Loan) previously available to institution students.
2 Refer to Institute of Technical Education, Polytechnics, Autonomous Universities and Arts Institutions/University of the Arts Singapore.
HESL eligibility checker
Check your eligibility
Check your eligibility for HESL Components
Check loan eligibility & coverage
Application process
1.
Submit Application
~10 minutes
Your loan application covers up to the entire duration of your course at your institution. You may request for up to four loan components based on your needs and eligibility.
2.
Guarantoracknowledgment& submission
~10 minutes
Your proposed guarantor will log in to review your personal details, loan information and provide their own details before confirming the application.
3.
Means testing
From 2 to 6 weeks
Applicable for loan components with means-tested provision. Click here to find out more.
4.
Verification & processing
Up to 2 weeks
Once your application is submitted, it will go through eligibility checks and document verification before being processed by banks and/or institutions.
5.
Approval & e-Signature
1 week
After your application is approved, you will need to sign the final documents and submit them within 3 working days to complete the process.
Need more information?
You may wish to contact your respective institution contact for assistance, or visit our FAQ for more information.