NSFAS, Scholarships, and Bursaries: What’s the Difference?

So you're heading to university, but there’s one big question on your mind: “How am I going to afford this?”
You’re not alone—and the good news is, South Africa has multiple financial aid options to help you get there. But it can be confusing to figure out the difference between NSFAS, scholarships, and bursaries.

Let’s break it down in simple terms so you can make the right decision for your future.

1. What is NSFAS?

NSFAS stands for National Student Financial Aid Scheme. It is a government-funded program that provides financial assistance to South African students who come from low-income households.

Key Features:

Funded by: The South African government
Who can apply: South African citizens with a combined household income of R350,000 or less per year
Covers: Tuition, registration fees, accommodation, meals, transport, learning materials, and more
Institutions covered: Public universities and TVET colleges in South Africa
Application process: Online via the NSFAS website (usually opens in September each year)

Important:
NSFAS doesn’t have to be paid back like a bank loan—unless you drop out or fail repeatedly. It’s designed to give everyone a fair chance at higher education.

2. What is a Scholarship?

A scholarship is financial aid awarded based on academic excellence, sporting ability, leadership, or talent—not financial need.

Key Features:

Funded by: Private companies, universities, NGOs, or government departments
Who can apply: High achievers (academics, sports, leadership, arts, etc.)
Covers: Can vary—some cover full tuition, others include living costs, books, and more
Requirements: You often need to maintain high grades or meet performance targets

Examples:

Allan Gray Orbis Foundation Scholarship
Funza Lushaka (for teaching)
Sports or academic scholarships from specific universities

Important:
You must apply early and meet the eligibility criteria. Scholarships are highly competitive.

3. What is a Bursary?

A bursary is financial assistance usually based on financial need, but it often comes with conditions, such as working for the company that funds you after graduation.

Key Features:

Funded by: Private companies (like Sasol, Eskom, Nedbank), NGOs, or government departments
Who can apply: Students in need, usually with good academic potential
Covers: Tuition fees, books, accommodation, transport, and sometimes a monthly allowance
Requirements: May require you to work for the sponsor after graduating (a “work-back contract”)

Examples:

Transnet bursary for engineering students
Nedbank bursary scheme
Department of Health bursary for medical students

Important:
If you break the contract (for example, by failing or not working for the sponsor), you may have to repay the bursary.

Summary Table

Feature	NSFAS	Scholarship	Bursary
Based on?	Financial need	Merit (academics, sport, talent)	Need plus academic performance
Payback required?	No (unless you drop out/fail)	No	Sometimes (work-back contracts)
Who funds it?	South African Government	Private/Public institutions	Companies, NGOs, Government
Application type	Online (NSFAS portal)	Application and supporting docs	Application, interviews/tests
Competition level	High demand	Very competitive	Competitive

Final Thoughts

Whether you qualify for NSFAS, a scholarship, or a bursary, the most important thing is to apply early, stay informed, and give it your best academically.
There is help available—you just need to know where to look and take the initiative.

Tip: Start gathering your documents now (ID, proof of income, results, etc.) and apply as soon as applications open.

Still confused or need help applying? Speak to your school’s Life Orientation teacher or career counselor for guidance

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