Sian sia... CPF Education Scheme, Tuition Fee Loan Scheme, or No Schemes to subsidise my sch fee.. Comparing the CPF Education Scheme and Tuition Fee Loan Scheme, i prefer Tuition Fee Loan Scheme.In simple terms, this is because the money in CPF grows at a higher rate as compared to DBS Bank..and, the loan interest rates for both loan schemes are about the same.. ADDING ON TO THAT... "CPF savings earn a minimum risk-free interest of 2.5% guaranteed by the Government. In 2008 and 2009, Special, Medisave and Retirement Account savings will earn a guaranteed minimum 4% interest. In addition, the first $60,000 in your combined CPF balances, with up to $20,000 from your Ordinary Account, will earn an extra 1% interest. So leave your money in your CPF accounts to enjoy this extra interest." . But still, for both loan schemes there are interests dat i will have to give on top of the sum of money loan-ed.. . den i have this thinking of not applying for any loan schemes and to pay the full 1000plus sch fees per sem(half a year)..den i will not nid to pay the interest.. . THINK BOY, THINK !...