Human Resources, Labour Relations & Leadership programmes
- Conflict Management
- Training Management and training needs analysis
- Strategic Management Development
- Strategic Performance Management
- Leadership/Development Management
- Effective and Dynamic Role of Modern Trade Union
- Labour Market Information Systems
- Labour relations and Law
- Personnel management
- Office Management Skills for Executive Personnel
- Human Resources Information systems-Computerised HR
- Performance appraisal Strategies
- Human Resources Development
- Strategic Management
- Leadership Management and Development
- Strategic Human Resources Management
- Public Relations and Personnel Management
- Effective Supervision skills in Modern Workplace Environment
- Effective, Coaching, Counselling and mentoring Supervisors
- Employee Welfare, Wellness and Motivation
Economics Programmes
- Policy Formulation and Implementation
- Macroeconomic Forecasting & Projections
- Applied Research Methodology in Economic Analysis
- Macroeconomic Management & Policies for Senior Officials
- Labour Market Information Systems
- Balance of Payment Statistics
- Tax Policy and Tax Administration
- Strategic Planning and Risk Assessment in Revenue Management
- Macroeconomic Policy Management
- Macroeconomic Forecasting & Projections
- Economic Modelling & Forecasting
Sales, Marketing and PR programmes
- Public Relations and customer care
- Public Relations, Communication and Organisational Reputation Management
- Customer focussed marketing
- New Product Development and Marketing management
- Developing and Managing Customer Base
- Essential Skills For Marketing Staff
- Consumer Behaviour
- Advertising and Brand Management
- Market research and Product development
- International Marketing
- Public Relations and Corporate Social Investment
- Public Relations Presentation and Elocution Skills
- Sales & Marketing Management
Information Technology programmes
- Computer Networks Administration & Management
- IT security and Cybercrime Prevention
- Electronic Records Management
- Systems Analysis and Design
- Java Script
- Website design & Publishing
- Computer Fraud and Security/ IT Audit
- IT Strategy & Strategic Information Management
- Human Resource Information Systems
Energy, Oil, & Gas Programmes
- Petroleum Data Management
- Managing Petroleum Projects
- Energy Management and Sustainable Development
- Petroleum Industry Analysis
Tourism, Hospitality and conservation programmes
- Applied Sustainable Tourism Management
- Collaborative Environmental Governance
- National Parks and Wildlife Management
- Community Based Natural Resources Management
- Applied anti-poaching Strategies
- Ecotourism venturing
- Conservation conflict management
- Hotel Management
- Front Office Operations
- Housekeeping Procedures
Media, Communications and Journalism programmes
- Media Advocacy
- Media Communication and Advocay
- Parliamentary Reporting and Editing
- Print Media and Broadcasting Management
- Public Relations, Communications and Organisation Reputation Management
- Stakeholder Communications Management
- Effective Communication Skills
Environmental Management Programmes
- Integrated Waste Management
- Environemental Law Analysis
- Introduction to Managing Environmental Data with MS Access
- Assessing Environmental Impact of Industrialisation
- Environmental Impact Assessment (EIA)
- Developing a Community Environmental plan
- Emergency Preparedness and Disaster Management
- Environmental Management Strategies
- GIS Application in Planning and Resource Management
- Community Based Natural Resources Planning and Management
- Climate Change Adaptation & Mitigation
- Advanced Emergency Preparedness & Disaster Management
- Integrated Water Resources Management
- Natural Resource Management
- Integrated Environmental Management
- Advanced Environmental Management Programme
- Energy Management & Sustainable Development
- Environmental Management Systems & Auditing Programme
Administration Programmes
- Office Management Skills
- Electronic Records Management
- Enhanced skills for PAs and administrators
- Effective Communication Skills
- Time Management
- Assertiveness and Stress Management
- Report Writing and Presentation Skills
- Research Methodology and Data analysis
- Events Management
- Effective Negotiation Skills
- Effective Conflict Resolution Skills
Mining Programmes
- Mining Law
- Good Governance and CSR in Mining
- Mining Surveying
- Surface Mapping Management
- Exploration Management
- Exploitation Management
- Wire Logging and Interpretation
- Stream sediment Sampling
- Health and Safety in the mining industry
- Surface Mining Analysis
- Geographical Information Systems (GIS) and Concepts
- Advanced Crushing and Grinding Techniques
- Applied Ethics in Exploration and Mining
- Analysis of Mining Financials
- Mining Sustainable Development
- Blast Design and Assessment for surface mines and quarries
Finance Programmes
- Auditing Financial Statements in Banks
- Internal Auditing, Compliance and Risk Management
- Accounting for Derivatives and other Financial Instruments
- Central Banks supervision and anti-money laundering strategies
- Financial crimes and anti-money laundering strategies
- Finance for Non Financial Managers
- International Tax Aspects of Megers, Acquistions and Corporate Finance
- Financial Management of Donor Funded Projects
- International Public Sector Accounting Standards (IPSAS)
- Public Sector Financial Management
- Risk Based Approach to Financial Auditing
- Budget Planning & Forecasting
- Budgeting, Finacial Strategy & Business Value
- Budgeting Forecasting & Modelling
- Financial Aspects of Procurement
- Credit Control and Debt Management
- Taxation Methodologies and Analysis
- International Financial Reporting Standards (IFRS)
- Auditing Techniques for Senior Auditors
- Risk Management and Financial Analysis in the Central Banks
- Cash Flow Management & Working Capital Optimization
- Treasury Mangement
- Investment Fund Operations
- Pension Funds Management
- Monetary Policy Formulation and Implementation
- Public Private Partnership Financial Modelling
- Strategic Planning, Effective Budgeting & Cost Control
- Spreadsheet Skills for Finance Personnel
Agricultural development and sustainability programmes
- Rural Development and Extension Management
- Advanced Agricultural project management Strategies
- Agricultural Development Management
- Poverty Alleviation: Challenges, Policies and Strategies
- Decentralisation and Community Driven Development
- Decentralisation and Urban Infrastructure Management
- Participatory Planning, Monitoring and Evaluation
- Managing Sustainable Rural Development
- Integrated Natural Resource Management
- Land Governance for Sustainable Development
- Public Policies and Rural Development in Africa
- Strategies for Poverty Reduction and Sustainable Development
Procurement and Logistics programmes
- Transport and Logistics Management
- Fleet Management
- Supply Chain Management
- Contracts Management
- Procurement Fraud Prevention
- Tender Management Procedures
- Fundamentals of Procurement
- Inventory and Warehouse Management
- Production and Inventory Management
- Financial Aspects of Procurement
- Public Procurement, Supply Chain and Contracts Management
- Procurement Monitoring and Evaluation
Governance and Legislative Programmes
- Anti-Corruption, Integrity& Corporate Governance
- Strategic Corruption Control and Organisational Integrity
- Drafting Legal Documents
- Key Skills for Effective Goverment
- Effective Public Policy and Delivery
- Court Management and Judiciary Administration
- Policy Analysis & Strategic Implementation
- Parliamentary Administration
- Conflict Management, Conciliation & Mediation
- Ethical Issues in the Judiciary systems
- Legal Compliance Monitoring
- Anti-Money Laundering Strategies
- In-House Legal Department Management
- Public Policy and Administrative Governance
- Policy Analysis for Parliamentarians & Policy makers
- Litigation and Arbitration
- Management of Deceased Estates and Trust
- Anti-Corruption, Bribery & Fraud
Banking Programmes
- Policy Auditing in Central Banks
- Central Banks supervision and anti-money laundering strategies
- Financial crimes and anti-money laundering strategies
- Fraud Detection and Prevention in Banks
- Banking Policy Formulation and management
- Human Resources Management in Development in Banks
- Central Bank and Monetary Policy Management
- Challenges of Banks Failures and alignment to Central Banks
- Foreign Exchange Controls, Framework and Management
- Managing Securities and Capital Markets
- Monetary Policy Formulation and Implementation
- E-Banking Products Analysis
Project management programmes
- Project Management
- Project Management for Donor Funded Projects
- Monitoring and Evaluation of Developmental Projects
- Project Planning and Implementation
- Advanced Project Management
- Managing Project Teams
- Advanced Project Planning and Implementation
- Project Formulation and Feasibility Study Analysis
- Computer Application For Project Management
- Public Works Project Management
- Computer Applications for Project Management
- Managing Microfinance Project
Table of Contents
Related Resources
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.