+65 88750045 contact@debtpedia.sg


      Sometimes, it’s okay to ask for help. We’ve prepared a list of organizations you may wish to contact for assistance on your current situation.

      If you’ve exhausted all your resources and still find no way out, contact any of our Debt Management Advisor and arrange for a free consultation.



      Financial Assistance Schemes & Programs



      Kindergarten Fee Assistance Scheme (KiFAS)

      The Kindergarten Fee Assistance Scheme (KiFAS) provides children from low and middle income families with a good start for their education.
      Click here to know more.

      Centre - Based Financial Assistance Scheme

      The Centre-Based Financial Assistance Scheme for Child Care (CFAC) can provide help for families to enrol their children in child care centres. It provides a subsidy for childcare fee. This subsidy is given in addition to the universal government child care subsidy of $300 for working mothers.
      Click here to know more.

      Integrated Childcare Programme (1CCP)

      ICCP provides a natural environment for children with mild special needs to learn, play and socialise alongside their mainstream peers, preparing them for future entry into mainstream education.

      For more information, please visit www.sgenable.sg



      MOE Financial Assistance Scheme

      The Financial Assistance Scheme (FAS) set up by thr MOE helps students of primary, secondary, junior college and pre-university from low-income families ranging from subsidized school fees to transportation..

      For more information, click here.

      Financial Assistance For Institute Of Higher Learning

      Financial Assistance For Institute Of Higher Learning (IHLS)

      Various financial assistance schemes available to further support Singaporean students in post-secondary education.

      For more information, click here.

      Financial Assistance For special education (SPED)

      Students Provides financial assistance to needy Singaporean Citizen students in MOE-funded Special Education (SPED) schools.

      For more information, click here.

      Post-Secondary Education Account (PSEA)

      PSEA funds can be used to pay for a child’s tertiary fees at local government institution. It is administered by the Ministry of Education and is opened automatically for all eligible Singaporeans.

      For more information, click here.


      MUIS Islamic Education Fund (IEF)

      Provides fee subsidies for part-time religious classes at mosque madrasahs.

      For more information, click here.

      Comcare Student Care Subsidy

      Provides monthly subsidies for student care fees.

      For more information, click here. 

      Central Provident Fund Education Scheme

      A loan scheme that allows the use of Ordinary Account (OA) savings to pay for subsidised tuition fees. Only full-time subsidised diploma / degree courses at Approved Educational Institutions (AEIs) are covered under this scheme.

      For more information, click here.

      Special Student Care Centres (SSCC)

      Before and after school care services to mainstream or Special Education (SPED) school-going students with disabilities aged 7 to 18.

      For more information, click here.


      Administered by Yayasan MENDAKI

      Tertiary Tuition Fee Subsidy

      Tertiary tuition fee subsidy (TTFS) scheme is an education subsidy for Malay students, which covers their tuition fees at local tertiary institutions. TTFS is subject to applicant’s eligibility for MOE Tuition Grant. 
      For more information, click here. 
      For further information and application please visit https://tfas.mendaki.org.sg


      Education Trust Fund

      The ETF is used to provide educational assistance to Muslim students in cases where existing financial assistance schemes are unable to provide or the amount provided may not be sufficient. It is a scheme for students from pre-school to secondary school (i.e. ETF Pre-school subsidy and ETF School Assistance Scheme).

      For more information, click here.

      Scholarships, Bursaries & Awards

      MENDAKI administers scholarships and bursaries for all deserving Muslim students.
      For more information, click here.

      Interest-free Study Loan

      The MENDAKI Study Loan Scheme is aimed at uplifting the educational performance of the Muslim community by providing interest-free loans to needy Muslim students. It is to part-finance students pursuing full-time or part-time course leading to a diploma and degree, locally or overseas.

      For more information, click here.

      Mendaki Tuition Programmes

      MENDAKI tuition programmes aim to provide quality tuition at affordable rates to help students attain better results in their examinations. The tuition programmes are open to all from primary & secondary Muslim students. Students can look forward to engaging and enriching sessions with highly qualified tutors at more than 50 centres islandwide. Lesson plans in MENDAKI’s tuition programmes are aligned to the Ministry of Education complemented by additional developmental activities.

      For further information and registration, please visit mts.mendaki.org.sg


      Lembaga Biasiswa Kenangan Maulud Bursary (LBKM)

      Caters to the financial needs of primary to tertiary students.

      For further information and application, click here.


      Straits Times School Pocket Money Fund

      Provides pocket money to children from low-income families to help them through school. The children can use this money for school-related expenses, such as buying a meal during recess, paying for transport or using it to meet other schooling needs.

      For further information and application, visit


      AMP’s Ready for School Fund (RFS)

      Assists children from families who are starting kindergarten, primary and seconday school.

      For further information and application, please visit


      AMP Education Bursary

      Offers monetary assistance to diploma and degree students from families of all races. For students from local polytechnics, universities, and recognised private education institutions in Singapore.

      For further information and application, please visit

      http://www.amp-rfs.sg/subindex. asp?id=A008_10

      Darul Arqam Bursary

      Darul Arqam Bursary Caters to the financial needs at tertiary level. For further information and application, please visit

      http://www.darul-arqam.org.sg/charity/helping-the-community/ education-bursary/


      Singapore Silver Pages (SSP)

      An initiative by the Agency for Integrated Care​, SSP is a one-stop resource on Community Care information and is the first portal to integrate social care, healthcare, mental health and caregiving resources under one roof for seniors, caregivers and care decision makers. For more information, please visit www.silverpages.sg


      Social Service Offices (SSO)

      Social and public assistance for low-income families.


      Mosques (Zakat)

      Financial and other supportive assistance for eligible Zakat-receiving families.


      Tabung Amal Aidilfitri

      Collection of donations from the public to be disbursed to those who are in need during Ramadan.



      Community Health Assist Scheme (CHAS)

      Singapore Citizens from lower and middle-income households receive subsidies for medical and dental care at participating General Practitioners (GPs) and dental clinics near their home.


      Medical Social Worker (MSW)

      MSWs help patients and their families learn how to manage life crises due to acute or chronic medical conditions, and focus on improving their mental and physical well-being to achieve self-reliance. They also help reduce the burden of patients and their families from incurred social and healthcare costs. Please consult the MSW at the National Healthcare Institutions.



      The NEU PC Plus Programme

      The NEU PC Plus Programme offers students and persons with disabilities from low income households the opportunity to own a brand new computer at an affordable price. Application is at the respective schools. https://www.imda.gov.sg/community/consumer-education/digital-inclusion/ neu-pc-plus-programme



      Visit Jamiyah Food Bank for more information.



      Visit Pertapis Tabung Amal Jariah for more information.




      Food Ration by Red Cross

      Visit Red Cross Food Aid for more information.

      https://www.redcross.sg/ourservices/community-services/ foodaid.html



      Silver Lining Counselling Centre

      The Silver Lining Community Services Ltd (TSL) is a non-profit organisation under the arm of Living Spring Fellowship (Church). They provide holistic help to problematic gamblers who may borrow excessively to feed their gambling habits and also provide immediate debt management help to allow individuals to work out an affordable repayment plan with the different groups of moneylenders, reducing the hassle and stress for gamblers and their family members.

      Tel: 67490400

      Email: admin@silverlining.com.sg

      Website: www.silverlining.com.sg

      Adullum Life Counselling

      Adullam Life Counselling is a registered society that provides counselling, practical support for the individual, and also for the affected family during their financial crisis. The center acts as an intermediary between the helpseekers and their legal creditors by negotiating on a possible repayment plan.

      tel: 66597844

      Email: admin@adullam.org.sg

      website: www.adullam.org.sg

      Credit Counselling of Singapore (CCS)

      CCS are an independent, non-government-link, non-profit organisation. They address individuals unsecured debt problem through education, credit counselling and facilitated debt restructuring.

      Tel: 62255227

      Email: enquiry@ccs.org.sg

      Website: www.ccs.org.sg

      Associate of Muslim Professional (AMP) - Debt Advisory Centre

      The Debt Advisory Centre (DAC), is a one-stop centre that assists individuals facing debt problems through a three-pronged approach: advice, educate and research. It provides a roadmap for debtors to have a clearer picture of the options that are available to them.

      Tel: 64163960

      Email: saiful@amp.org.sg

      Website: www.amp.org.sg/service/debt-advisory-centre

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