Capitec student loans

Capitec doesn’t offer Student loans, but they do offer Personal loans that you can use to pay for your studies.

Some banks offer loans to pay for tertiary studies, which usually cover fees, accommodation, books and related equipment. You’ll need a Grade 12 certificate with university exemption and must prove your acceptance to an accredited tertiary institution. Someone will need to sign surety for the loan (often a parent), and in most cases repayments start once studies are completed.

Bank loans

Ideal if you want to study short courses or part-time – options which student loans don’t cover. You choose how to use the money (e.g. fees, living costs). Capitec Bank offers credit plans up to R200 000 over 84 months. The money is available immediately and you get retrenchment and death cover.

Scholarships and bursaries

Scholarships cover up to 100% of your fees, but be ready to show why you’re the best candidate! Some companies and institutions offer bursaries. Candidates often work for the bursary provider after studying. It may be restrictive, but it’s a great way of get experience. Tertiary students can also apply to the National Financial Student Aid Scheme.

Contact any university’s financial aid office – they will be able to give you a list of the financial aid available. You need to get on to this early if you’re planning to study in 2015, as financial aid will generally be wrapped up before the start of the new year.

Many larger companies also offer bursaries, which give staff members the opportunity to study and enhance their skills, which turn allows them to add more value in the workplace. If you are employed, speak to your HR office to see if your company has any bursaries that you can apply for.

Part-time jobs

Check campus noticeboards and websites like Rent-a-Student or Money for Jam for ways to earn extra money.

Universities also offer work opportunities such as tutoring or admin assistants, and are also usually close to restaurants and bars, so getting a job as a waiter or bartender are other options. You can also try and find part-time work at your favourite clothing retailers.

If you’re working, running a business on the side offers an alternative income source, and can also complement what you’re studying (e.g. charging for massages, while completing your massage course).

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