Post-Secondary Education Account: how to use your funds

Learn how you can make use of your Post-Secondary Education Account funds.

Funds in your Post-Secondary Education Account (PSEA) can be used to pay for your own or your siblings’ approved programmes in our list of approved institutions. It can also be used to repay loans and financial schemes.

Note: The PSEA cannot be used for junior college and Millenia Institute expenses. You may use your Edusave contributions for such expenses instead. If you need additional help, you can seek financial assistance or apply for awards and scholarships.
Approved institution and programmes

You can use your PSEA funds to pay for the following approved programmes at the approved institutions.

Approved InstitutionsApproved Programmes
  • Nanyang Technological University
  • National University of Singapore
  • Singapore Institute of Technology
  • Singapore Management University
  • Singapore University of Social Sciences
  • Singapore University of Technology and Design
  • All undergraduate programmes.
  • All postgraduate programmes.
  • MOE-subsidised modular courses.
  • Approved modular and short courses leading to certificates*.
  • Nanyang Polytechnic
  • Ngee Ann Polytechnic
  • Republic Polytechnic
  • Singapore Polytechnic
  • Temasek Polytechnic
  • All diploma programmes.
  • MOE-subsidised Continuing Education and Training (CET) Programmes.
  • Polytechnic Foundation Programme (PFP).
  • MOE-subsidised modular courses.
  • Other government-subsidised CET full qualification programmes*.
  • Approved modular and short courses leading to certificates*.
Institute of Technical Education (ITE)
  • All Nitec and Higher Nitec programmes.
  • ITE diploma programmes.
  • MOE-subsidised CET Programmes.
  • ITE Direct-Entry-Scheme to Polytechnic Programme (DPP).
  • MOE-subsidised Enhanced-Nitec Foundation Programme.
  • MOE-subsidised modular course.
  • Other government-subsidised CET full qualification programmes*.
  • Approved modular and short courses leading to certificates*.
  • LASALLE College of the Arts
  • Nanyang Academy of Fine Arts – NAFA
  • MOE-subsidised diploma programmes.
  • MOE-subsidised degree programmes.
  • MOE-subsidised modular courses.
  • Other approved government-subsidised full qualification courses*.
  • Approved government-subsidised modular and short courses leading to certificates*.
  • Nanyang Academy of Fine Arts (NAFA) Foundation Programme.
Government-supported Special Education (SPED) schoolsProgramme fees and charges in special education schools.
SG EnableApproved training courses under SG Enable.
Singapore Institute of Legal Education (SILE)
  • Part A & B Bar courses and examinations.
  • Foreign Practitioner Examinations (FPE).
  • Public agencies
  • Private Training providers*
  • Approved government-subsidised full qualification courses*.
  • Approved government-subsidised modular and short courses leading to certificates*.

Refer to the SkillsFuture course directory. Use the keyword “PSEA' to search for the approved courses.

National Institute of Early Childhood Development (NIEC)
  • Government-subsidised full qualification diploma and certificate programmes.
  • Approved government-subsidised modular courses and short courses leading to certificates.
Note: Courses marked with a * are submitted by public agencies and institutions and will be subjected to MOE’s approval for inclusion under PSEA.

For payment of approved fees and charges, you can withdraw the PSEA funds by establishing a Standing Order with us or by submitting ad hoc withdrawal applications as and when withdrawals are to be made. The form to use will depend on the approved institution you are in. Consult the approved institution you are studying in on which form to use.

Establishing a standing order

The Standing Order (SO) is a 1-time application and the SO instructions will apply to all future withdrawals until the SO is terminated or replaced, regardless of which approved institution you attend.

Forms

Ministry of Education, 1 North Buona Vista Drive, Singapore 138675, Attention: PSEA Unit

You will receive a letter informing you of the outcome of your standing order application or termination within 3 weeks after the form submission.

Ad-hoc withdrawal application

The ad hoc withdrawal application is an application for a one-time withdrawal for a specific purpose. You will have to submit the ad hoc withdrawal application forms for each specific withdrawal.

Download the PSEA Ad Hoc Withdrawal form and submit the completed application form to your respective institutions.

Loans and approved financing scheme

You can use your PSEA funds to repay the outstanding principal loan and interest charged to the government education loans such as a Tuition Fee Loan, Study Loan, or Overseas Student Programme Loan.

It can also be used to repay approved financing schemes such as loans under the CPF Education Scheme taken for studies in autonomous universities, polytechnics, ITE, and art institutions.

For repayment of government education loans and approved financing schemes using PSEA funds, the account holder must have already left the institution as those who are still studying in the institution can use their PSEA funds for payment of approved fees and charges.

Note: PSEA funds cannot be used for loans or amounts that had already been paid.

To withdraw your PSEA funds for the repayment of the government loans and approved financing schemes, you can submit your application online using your SingPass. A parent or legal guardian is required to submit the application on behalf of an account holder who is below 21 years old.