University Bursary Comparison Singapore 2026: NUS vs NTU vs SMU vs SUTD vs SIT vs SUSS
TL;DR
Government HECB/HEB is identical across NUS, NTU, SMU, SUTD, SIT, and SUSS. Each university adds its own campus bursary on top. At the lowest tier (PCI ≤ S$1,100), NUS and NTU both cover 100% of tuition. NUS adds a S$4,000/year living…
Last updated 21 Mar 2026
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- Government Base: HECB + HEB (Same Across All 6 Universities)
- Campus Top-Up Comparison
- How Application Works
- Frequently Asked Questions
Q: Which Singapore university gives the most financial aid in 2026?
A: All 6 autonomous universities receive the same government HECB/HEB base. The difference is the campus top-up - NUS offers the most generous package at the lowest income tier, including a S$10,000 Overseas Exposure Grant for students with PCI ≤ S$750. Choose your university based on your degree programme, not the bursary.
TL;DR Government HECB/HEB is identical across NUS, NTU, SMU, SUTD, SIT, and SUSS. Each university adds its own campus bursary on top. At the lowest tier PCI ≤ S$1,100 , NUS and NTU both cover 100% of tuition. NUS adds a S$4,000/year living allowance and a S$10,000 Overseas Exposure Grant for students with PCI ≤ S$750. Apply once through your university's financial aid portal - both the government bursary and campus top-up are assessed together.
Status: Checked 2026-03-21. Campus top-up details from each university's financial aid page. SUTD, SIT, and SUSS details should be confirmed on their respective portals.
Quick links: Bursaries hub, HECB/HEB university guide, 2026 bursary application guide, Scholarship & Bursary Matcher
| If you have... | Read this first |
| 1 second | Government bursary tiers are the same across all 6 autonomous universities. |
| 10 seconds | Compare HECB, HEB, NUS top-ups, NTU top-ups, SMU Access+, SUTD, SIT, SUSS, PCI, GHI, living allowance, and application portal rules. |
| 100 seconds | Choose your university for course fit first, then use bursary differences to plan cash flow and document deadlines. |
