Higher education plays an important role in building a stable career. However, for many South African students, funding remains a major challenge. Student loans have become a common way to bridge this gap and make education more accessible.
Choosing the right qualification becomes even more important when studying with borrowed money. A degree that aligns with job demand and long-term career growth helps students manage repayments with more confidence.
In this article, we will explore the degrees to study with a student loan in South Africa. We will also look at the benefits of using a loan and how to choose a degree that supports career goals and financial situation.
Table of Contents
Benefits of Studying With a Student Loan in South Africa
Student loans give learners access to education that may otherwise be out of reach. They allow students to focus on learning rather than delaying studies due to financial issues. Loans can support long-term career development when they are used wisely.
Loans also provide flexibility. Many students use them to cover tuition, materials, and living costs. This reduces stress and helps learners stay committed to their academic journey.
Here are some key benefits to understand:
- Immediate access to education: Students do not need to wait years to save funds.
- Flexible repayment options: Usually, repayments option start after graduation.
- Wider choice of programmes: Loans support enrolment in recognised institutions.
- Career-focused planning: Loans allow students to invest in degrees with strong job opportunities.
Read More: How Do Student Loans Work? A Complete Guide
Why Choosing the Right Degree Matters When Using a Student Loan
Not all degrees offer the same return on investment. When studying with borrowed funds, it is very important to choose a qualification that goes well with the employment demand. With this, graduates can enter the job market more quickly.
A well-chosen degree improves income stability. It also reduces the risk of long-term debt stress. Students who plan ahead find it easier to manage loan repayments. It helps to think about a few practical factors before committing:
- Job opportunities: Programmes connected to growing fields lead to more promising chances of finding work after graduation.
- Expected income: A steady or higher salary can make repayments less stressful.
- Programme relevance: Programmes that reflect real workplace needs can make the move into employment smoother.
- Study duration: Shorter programmes may reduce overall loan costs.
Top High-Demand Degrees to Study With a Student Loan in South Africa
Some qualifications consistently show strong demand across industries. These degrees lead to stable employment and career advancement. They are also popular choices for students using loans. Below are some of the most practical degrees to study with a student loan in South Africa:
| Degree Area | Why it Works Well With a Student Loan |
| Business Management | Strong demand across sectors and leadership roles |
| Public Management | Suitable for government and policy-related careers |
| Accounting | Clear career path and steady job demand |
| Information Technology | Growing need for digital and technical skills |
| Education | Consistent demand in the public and private sectors |
| Law | Broad career options in corporate and public roles |
Many private institutions also design their degrees to align closely with workplace needs. This approach helps students gain practical exposure alongside academic learning. For instance, Regenesys Education’s programmes focus on real-world skills and knowledge. It can support stronger employability outcomes once the graduation is completed.
NSFAS-Approved and Government-Funded Degree Options
Government funding plays a key role in improving access to higher education. NSFAS supports students from low-income households by covering tuition fees and related costs. Many public institutions have NSFAS-approved degrees.
These qualifications focus on priority skills areas. They support national development and workforce needs. Some commonly funded degree areas include:
- Education: Supports teacher development and schooling needs.
- Engineering: Focuses on infrastructure and technical growth.
- Health Sciences: Addresses healthcare workforce shortages.
- Public Administration: Supports government service delivery.
Read More: MBA Student Loans: All the Facts You Need to Know!
Skills-Based Degrees That Help You Repay Student Loans Faster
Degrees that focus on practical skills lead to faster job placement. Employers value graduates who can contribute from day one. This improves income stability after graduation. Skill-based learning also supports career mobility. Graduates can adapt to different roles and industries with more time in the field.
Here are some skill-focused degree areas to consider:
- Business and Management: Helpful if you want to move into team or office leadership roles.
- Data and Technology: Suits people who enjoy working with systems, numbers, or technical tasks.
- Finance and Accounting: A common choice for stable jobs and steady career growth.
- Project Management: Useful in many jobs where planning and organising work is needed.
How to Choose a Degree That Fits Your Career Goals and Loan Budget
Picking a degree is not something to rush. It helps to think about what you enjoy, what kind of jobs are available, and what you can realistically afford. When these things are considered early on, students often avoid unnecessary pressure later. It is also a good idea to look at the full cost of studying, not just the fees. Books, travel, and living costs all add up. Taking time to compare different options can make the decision much clearer.
Here are some practical tips:
- Career outcomes: Look at the types of jobs people usually get after completing the degree.
- Overall costs: Be clear on how much funding or borrowing may be needed.
- Programme format: Flexible study options can make a big difference for students who work.
- Student support: Access to guidance and support services can really help during tough periods.
Read More: Applying for Study Loans in South Africa: Steps, Tips, and Requirements
Explore Our Other Programmes
Conclusion
With student loans, higher education is possible for many South Africans. However, success depends on choosing the right qualification. By understanding the degrees to study with a student loan in South Africa, students can plan better for career growth as well as financial stability.
Regenesys Education offers industry-relevant programmes designed to support long-term success.
Explore the Regenesys Education website to find programmes that align with your goals and support informed study decisions.
FAQs
Which degrees have the highest number of student loans in South Africa?
Business, education, accounting, and engineering degrees attract a large number of student loans.
Where can I get funding for my studies in South Africa?
Funding options include NSFAS, bank student loans, and private funding providers.
Is taking a student loan a good idea in South Africa?
Yes. It’s a good idea if the degree chosen provides strong employment and income prospects.
Which is the best option for student loans in South Africa?
This depends on eligibility, interest rates, and repayment terms.
What factors should I consider before taking a student loan for a degree?
Consider job demand, salary potential, study costs, and repayment flexibility.
