Can I apply for SASSA child grant without birth certificate?

The Children’s Institute and the Legal Resources Centre, with the support of Sassa, have developed a guide to help parents and caregivers without Home Affairs documentation to understand the grant application process and to navigate the barriers to access.

What you should do

  1. Go to the South African Social Security Agency (SASSA) office nearest to where you live and bring the following:
    • your 13 digit-bar-coded identity document (ID) and the child’s birth certificate. If you don’t have an ID or the child’s birth certificate:
      • you must complete an affidavit in a standard SASSA format in the presence of a Commissioner of Oaths who is not a SASSA official.
      • Bring the following documents:
        • a sworn statement by a reputable person (e.g. councillor, traditional leader, social worker, minister of religion) who knows the applicant and child
        • proof that you have applied for an ID and/or birth certificate at the Department of Home Affairs
        • a temporary ID issued by the Department of Home Affairs (if applicable)
        • baptismal certificate if available
        • road to health clinic card if available
        • school report if available.
    • Proof of any maintenance you receive for the child.
    • Proof of your earnings.
    • Your marriage certificate (if applicable).
    • If you are divorced, the court order saying that you have custody of the child.
    • If one or both parents are dead or missing, the death certificate of the deceased or proof that the parent is missing, e.g. a missing person’s report from the police.
  2. Complete the application form in the presence of the SASSA official (note that only you as the applicant or a SASSA official may complete the application form).
  3. You will be given a receipt. Keep it as proof that you applied.

What if your application is not approved?

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If your application is not approved, SASSA will inform you in writing why your application was unsuccessful.

If you disagree with the decision, you can appeal to the Minister of Social Development at the national office of the Department of Social Development. You must appeal within 90 days of being notified that your application was unsuccessful.

How long does it take

  • It may take up to three months to process your application.
  • If your grant is approved, you will be paid from the date on which you applied.

How much does it cost

The service is free.

Forms to complete

Application forms are not available online, but you can get them from your nearest (SASSA) office.

Who to contact

South African Social Security Agency (SASSA)

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Student Loans in South Africa: How to Apply and What to Expect

For many young South Africans, accessing higher education is a dream that often comes with a financial challenge. Fortunately, several student loan optionsstrong> are available in South Africa to help fund university, college, or TVET studies. Whether you’re looking for a government loan like NSFAS or a private student loan from a bank, understanding the process is essential for success.

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What Are Student Loans?

Student loans are a form of financial aid provided to eligible students to help cover tuition fees, books, accommodation, and other study-related expenses. In South Africa, these loans can come from government institutions like NSFAS or private banks such as Nedbank, Standard Bank, FNB, and Absa. Most loans offer repayment flexibility and low-interest options until you graduate.

Types of Student Loans in South Africa

  • NSFAS (National Student Financial Aid Scheme): A government-funded loan/grant program for students from low-income households. Covers tuition, housing, transport, and meals.
  • Bank Student Loans: Offered by most major banks. These are credit-based and require a guardian or parent as a co-signer.
  • Private Loan Providers: Companies like Fundi offer educational loans covering various costs such as school fees, gadgets, and textbooks.

Requirements to Qualify for a Student Loan

Each provider has its own criteria, but most South African student loans require the following:

  • Proof of South African citizenship or permanent residency
  • Proof of registration or acceptance at a recognised tertiary institution
  • Parent or guardian with a stable income to co-sign (for private loans)
  • Completed application form with supporting documents (ID, proof of income, academic records)

How to Apply for a Student Loan

To apply for a student loan in South Africa, follow these steps:

  1. Identify your loan provider: Choose between NSFAS, a bank, or a private lender.
  2. Gather necessary documents: ID copies, academic transcripts, acceptance letters, and income statements.
  3. Complete the application form online or at a branch.
  4. Await approval: Some banks offer instant decisions, while NSFAS can take a few weeks.
  5. Receive disbursement: Funds are typically paid directly to the institution or your account, depending on the lender.

Loan Amounts and Repayment

The loan amount you can receive depends on your chosen lender and financial need:

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  • NSFAS: Covers full tuition, residence, books, and a personal allowance. The loan becomes a bursary if you pass all your courses.
  • Banks: Can provide up to R120,000 or more annually, depending on tuition costs and credit history.

Repayment usually starts after graduation or once you start earning an income. Bank loans may require interest-only payments during your studies. NSFAS repayment only begins when you earn above a specific income threshold.

FAQs on Student Loans in South Africa

1. Can I apply for a student loan without a parent or guardian?

For government loans like NSFAS, yes. But most banks require a financially responsible co-signer, especially for students without an income.

2. Is NSFAS a loan or a bursary?

NSFAS starts as a loan, but it converts to a bursary if you meet academic performance requirements. This means you may not have to pay it back.

3. What is the interest rate on student loans?

Private banks offer competitive rates between 5% and 12%, depending on the applicant's credit profile. NSFAS charges a much lower interest rate, usually linked to inflation.

4. What happens if I fail my courses?

If you’re funded by NSFAS and fail, your loan won’t convert into a bursary, and you’ll need to repay the full amount. Banks may continue charging interest, and your co-signer may be held liable.

5. Can I use a student loan to pay for accommodation and laptops?

Yes. Both NSFAS and many bank student loans cover costs beyond tuition, including housing, meals, textbooks, and electronic devices like laptops or tablets.

Final Thoughts

Student loans in South Africa offer a much-needed financial lifeline to thousands of students every year. Whether you're applying through **NSFAS** or a private bank, ensure you understand the **terms, interest rates, and repayment conditions** before signing any agreement. Make informed decisions today to secure your academic and financial future tomorrow.