新加坡上进商学院以上两个计划都具备。
学生学费帐户计划
学生学费帐户问答
1. 什么是学生学费帐户计划?
学生向私立教育机构缴付的学费将委托给经过授权的第三方保管,一般为CASE认可的银行。如果私立教育机构符合特定条件,银行就把学费支付给他们。
如果私立教育机构因破产与/或被令停业而无法继续运作，或者新加坡法庭裁决私立教育机构必须缴付罚款或归还学费而私立教育机构无法偿还，银行就停止支付学费给它们。
2. 学生学费帐户计划如何运作？
a. CaseTrust and the providers of the Student Tuition Fee Account (Escrow) (DBS and HSBC) have signed a Master Escrow Agreement (MEA) which sets out the rules governing the operation of all escrow accounts opened by the PEOs with the providers. The PEOs who wish to participate in this escrow scheme will have to sign on to the MEA.
b. When a PEO signs on to the MEA, the bank will arrange to open a Student Tuition Fee Account (Escrow) for the PEO. The PEO is to ensure that the tuition fees of its students will be paid directly into this account. The tuition fees in the Student Tuition Fee Account (Escrow) will be held on trust by that PEO for the benefit of the students.
c. As part of the course application process, the student will have to sign a prescribed form (Student Escrow Confirmation – Schedule 7 of MEA) confirming that he/she agrees to be bound by the terms of the MEA and that both the PEO and the student will abide by the tuition fees payment schedule.
d. Thereafter, prior to payment of the tuition fees, the PEO will have to issue a prescribed form (Payment Voucher – Schedule 6 of MEA) to the student stating the details of the tuition fees to be paid for the particular instalment. This Payment Voucher is to be submitted to the bank along with the student’s tuition fees payment.
e. The bank shall disburse the tuition fees in the Student Tuition Fee Account (Escrow) to the PEO in accordance with the payment schedule.
3. Under what circumstances will the Student Tuition Fee Account (Escrow) scheme be suitable for PEOs?
The Student Tuition Fee Account (Escrow) scheme is suitable for PEOs that want a solution to help them reconcile their student fee payments. It is also suitable for PEOs that do not qualify for the Student Tuition Fee Insurance scheme.
4. What types of fees will need to be paid to the Student Tuition Fee Account (Escrow)?
Only the tuition fees have to be paid into the Student Tuition Fee Account (Escrow). Tuition fees means the gross payment (before any commission may be deducted) relating to all costs of a course paid by an international student.
Other fees such as accommodation expenses, examination fees and administrative fees do not have to be paid into the Student Tuition Fee Account (Escrow).
5. When and how will the tuition fees in the Student Tuition Fee Account (Escrow) be paid to PEOs?
The tuition fees in the Student Tuition Fee Account (Escrow) will be released to a PEO as follows:
a. Initial 30% of the tuition fees – to be paid by the 5th business day after commencement date of course
b. Balance 70% of the tuition fees – to be paid in equal monthly instalments over duration of course on the 1st day of each subsequent calendar month.
6. Can the students pay their tuition fees directly to the PEO or into the PEO’s bank accounts and the PEO then remits the tuition fees to the Student Tuition Fee Account (Escrow)?
No. The PEOs are not allowed to accept direct payments of the tuition fees of the students. These tuition fees must be paid directly into the Student Tuition Fee Account (Escrow).
7. What modes of payment are accepted for crediting funds to the Student Tuition Fee Account (Escrow)?
Payment may be made by:
a. Cheque
b. Cashier’s order
c. Bank draft
d. Telegraphic transfer
Additional modes of payment may be available, depending on the banks.
8. Will the PEOs have to change their existing structure for the payment of the tuition fees by the students?
Yes and no.
Yes because:
a. Payments will have to be via the modes set out in Q7 above. The PEOs will not be able to accept payment of the tuition fees of the students by way of cash, credit cards or GIRO.
b. The PEOs will need to issue a Payment Voucher to an international student each time he/she makes payment of the tuition fees, which is to be submitted to the banks at the time of payment.
No because:
a. The PEOs can still continue with their existing schedules for collecting tuition fees from the students, be it by way of one or more instalments.
9. How will the students know they have to pay their tuition fees into the Student Tuition Fee Account (Escrow)?
All students will have to sign a Student Escrow Confirmation form at the outset when they apply to enrol in a PEO that is participating in the Student Tuition Fee Account (Escrow). This Student Escrow Confirmation form will state that the student agrees to be bound by the terms of the MEA and will pay their tuition fees, in accordance to the payment schedule, directly into the Student Tuition Fee Account (Escrow).
10. How do the PEOs know whether the students have paid their tuition fees into the Student Tuition Fee Account (Escrow)?
The PEOs will be given reports setting out the tuition fees paid into the Student Tuition Fee Account (Escrow). The reports will contain a breakdown of these tuition fees (with sufficient details to identify the students and the courses for which the tuition fees are paid) for reconciliation and audit.
11. What happens when there is a shortfall in the tuition fees paid into the Student Tuition Fee Account (Escrow)?
When there is a shortfall in the tuition fees paid into the Student Tuition Fee Account (Escrow), this will be reflected in the reports sent to the PEO.
12. What happens when there is a dispute between the PEO and the international student regarding the tuition fees paid into the Student Tuition Fee Account (Escrow)?
The PEO or the international student shall refer the dispute to CASE Mediation Centre for mediation with the aim to resolve the dispute amicably.
13. Can the international students ask the banks to refund them the tuition fees in the Student Tuition Fee Account (Escrow)?
No. The bank is only entitled to release the tuition fees from the Student Tuition Fee Account (Escrow) in the following two situations:
a. For payment to the PEOs in accordance with the terms of the MEA (please see Q5)
b. For payment to the students in accordance with the instructions issued by CASE in the events of PEO’s insolvency, regulatory closure or failure to pay penalties/fines awarded by the Singapore courts to the student.
14. What are the charges for Student Tuition Fee Account (Escrow)?
The charges and fee structure may differ between the banks endorsed by CASE. Please refer to their respective product brochures for information on charges.
15. Will there be interest paid on the tuition fees in the Student Tuition Fee Account (Escrow)?
As stated in the MEA, the Student Tuition Fee Account (Escrow) is a non-interest bearing account. As such, no interest will be paid on the tuition fees in the Student Tuition Fee Account (Escrow).
16. Will the bank be able to provide the PEO financing to bridge the PEO’s cashflow requirements?
The banks will be available to discuss the PEO’s financing requirements. Contact information can be found out our website (casetrust).
17. How does a PEO apply for the Student Tuition Fee Account (Escrow)?
The application procedures differ between the banks endorsed by CASE. Application procedures and contact Information can be found in the Full Information Kit, downloadable from CASE website.
18. How will the PEO prove that it has established a Student Tuition Fee Account (Escrow) under the CASE-endorsed Student Protection Scheme?
Submit the following documents to CASE:
a. Original PEO Accession letter
b. Original Certificate of PEO Escrow Establishment
19. Is there any additional document to be submitted to ICA for the Student’s Pass application for a student enrolled onto Student Tuition Fee Account (Escrow)? What is the Form of Acknowledgement of Student Escrow Confirmation for?
With effect from 1 Dec 2004, the Form of Acknowledgement of Student Escrow Confirmation needs to be included, as documentary proof of Student Protection Scheme, during the Student’s Pass application submitted to ICA.
20. What happens if the student pays the tuition fees in advance and the student’s pass is rejected?
The fees credited to the Student Tuition Fee Account (Escrow) will be refunded in full (less bank charges) to the student according to the student details provided in the Student Escrow Confirmation. The PEO will need to submit the Rejection Refund Letter (Schedule 8 of MEA) to the bank.
学生学费保险
学生学费保险问答
1. 学生学费保险计划的主要特点是什么？
学生学费保险计划旨在保护学生事先缴纳给私立教育机构的学费
当第14段中所列举情况发生时
第14段规定当私立教育机构因破产或被责令停业无法继续运作时，将启动学生学费保险计划。而且，一旦新加坡法庭裁决私立教育机构必须缴付罚款或归还学费而私立教育机构无法偿还时，该计划可保护学生的利益。
一旦学生死亡或终身残疾
2. 什么是“责任限额”?
责任限额指保险公司根据保险单应赔付给投保学生的最大金额。
3. 学生学费保险计划提供的保险持续时间是什么？?
详情查阅CASE网站的信息工具包website
4. 保险费的金额是多少？如何计算？
保险费的金额根据保险公司的收费架构而定。详情请查阅CASE网站的信息工具包或联系相关保险公司。
5. 保险责任范围的证明文件?
所有在本计划下进行投保的学生都将得到一份个人认证资料，证明投保工作已完成。这份认证资料对于保单的索赔同样重要。
6. 注册加入学生学费保险计划的学生，在申请学生签证时，是否需要向新加坡移民与关卡局提供额外的文件？
自2004年12月1日期，在向新加坡移民与关卡局递交的学生签证申请材料中需包含学生保险确认书。
7.是否所有的私立教育机构都提供学生学费保险服务？
不是。投保范围仅限于那些提出申请并得到CASE机构认可的保险公司证明的私立教育机构。
了解更多关于学生学费保险计划和CASE机构的信息
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