CSD definitions
Q: What is a primary user?
A primary user is a SCM Practitioner within an organ of state (OoS) who is the CSD administrator for the entire organ of state. The primary user will be able to create system users (also called secondary users) and assign system roles based on the functionality required by other SCM practitioners in the organ of state. The roles currently available include:
1)Access to the search tool and
2)Access to the support tool.
Once the primary user has access to the CSD, s/he must activate their account by clicking on the link sent (via email) by the CSD. Problems occur when people do not receive this link because the CSD address is blocked. Important: Please tell your IT department to make sure that “no- reply@treasury.gov.za” is not blocked in any way. In other words, this address must be white- listed.
Once the primary user has obtained access, s/he can create secondary users for the rest of the SCM practitioners in their department. This will give secondary users access to the online supplier search function. It is the primary user’s responsibility to make sure that the accounts are managed effectively.
The primary user will also be able to help suppliers. The primary user will get access to the Support Tool by default. This tool is used to assist suppliers with their registration. The primary user can also request that other users in an organ of state get access to the support tool, by sending a request to business.support@CSD.gov.za
Q: What is the role of the secondary user?
The secondary user supports suppliers with CSD queries. The secondary user also uses the search function to search for suppliers on behalf of the department
Further help for system users (i.e. primary and secondary users)
Q: What can I do if I forget my password?
Click on the “Forgot password?” link on the log on screen. A link to reset you password will be
sent to the mail address linked to your user profile.
Q:What can I do if I first registered as a supplier and now I cannot register as a primary/secondary user?
Send an email to business.support@csd.gov.za
Q:What can primary users do if they experience problems with the security captions when trying to log on to the CSD?
Send a screen shot and a request for help to business.support@csd.gov.za
Assisting suppliers with the support tool
Q: What exactly must I do to assist suppliers with registration?
Organs of state must provide CSD registration support to prospective suppliers who are unable to self-register or who require assistance with registration.
While suppliers are responsible for registering themselves, Organs of state must capacitate practitioners to use the support tool to aid suppliers with queries.
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.
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:
- Identify your loan provider: Choose between NSFAS, a bank, or a private lender.
- Gather necessary documents: ID copies, academic transcripts, acceptance letters, and income statements.
- Complete the application form online or at a branch.
- Await approval: Some banks offer instant decisions, while NSFAS can take a few weeks.
- 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:
- 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.