struggling to complete studies in SG
F21, graduated poly (CGPA 3.5) in biz, took a gap year and want to apply to uni this year.
I’m looking to apply to SMU but SUSS is also an option but the degree is not as ideal.
But the fees in SMU are really expensive and I’m not sure if I can get enough financial aid/fall into the criteria for loans.
My family situation is really bad, have been living alone since I was 19 without any financial help from them. Father is donno where, doesn’t give money, mother doesn’t earn a lot either.
Assets wise, my mother gambled a lot of my bursary and scholarship savings since I was P1. We’re talking about $300-700 worth of bursaries every year up to Sec 4. Everything was just taken away from me. My PT income since I worked from 14 years old are also gone.
I only have around 3-4k in assets that I have been investing in a low risk profile. But ofc the capital is very small so the returns are not a lot at least for now.
I have a few chronic illnesses that I have to go to the hospital around once a month/2 months, so it’s another $50-$100 per visit as well. Not to mention the other living expenses that I need to cope with since I live alone and I only work part time @ $10 per hour cause I can’t work for long hours due to my health.
I really want to pursue my studies so that I can break free from this poverty cycle but the cost of living and studying in Singapore is just too insane. All these financial worries just make me so tired and burnt out, my mental health is really bad and I’ve been to IMH a few times for S attempts.
Also please don’t leave unnecessary remarks such as selling feet pics or doing OF because I’ve gotten those before and they’re not helpful. Otherwise, I really appreciate any form of advice or information referrals thank you