{"id":186664,"date":"2026-02-02T11:39:52","date_gmt":"2026-02-02T09:39:52","guid":{"rendered":"https:\/\/www.regenesys.net\/reginsights\/?p=186664"},"modified":"2026-02-27T13:48:36","modified_gmt":"2026-02-27T11:48:36","slug":"how-do-student-loans-work","status":"publish","type":"post","link":"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work","title":{"rendered":"How Do Student Loans Work? A Complete Guide"},"content":{"rendered":"\n<p>Higher education can help to improve employability and offer higher earning power. However, high costs can sometimes force students to skip university. As a result, student loans have become a common funding option for many learners.<\/p>\n\n\n\n<p>These allow students to access education while spreading repayment costs over several years. However, loans need to be repaid with interest after students complete their studies. Understanding how student loans work is important before finalising one.<\/p>\n\n\n\n<p>In this article, we will help to answer a common question students have: how do student loans work? We will cover interest rates, loan limits, and repayment options.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d04561122ac\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d04561122ac\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#What_is_a_Student_Loan\" >What is a Student Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#What_Costs_Do_Student_Loans_Cover\" >What Costs Do Student Loans Cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#How_Interest_On_Student_Loans_Works\" >How Interest On Student Loans Works<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#Student_Loan_Borrowing_Limits\" >Student Loan Borrowing Limits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#Student_Loan_Repayment_Options\" >Student Loan Repayment Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#What_Happens_If_You_Cannot_Repay_Your_Student_Loan\" >What Happens If You Cannot Repay Your Student Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#Common_Student_Loan_Mistakes_To_Avoid\" >Common Student Loan Mistakes To Avoid<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#Tips_For_Managing_Student_Loans\" >Tips For Managing Student Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#Explore_Our_Other_Programmes\" >Explore Our Other Programmes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-do-student-loans-work\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_Student_Loan\"><\/span>What is a Student Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A student loan is a form of financial aid that helps learners access higher education programmes. In South Africa, these loans can be obtained through private banks, the government, or private lenders. Unlike general loans, student loans have different rules. These include a lower <a href=\"https:\/\/en.wikipedia.org\/wiki\/Interest_rate\" target=\"_blank\" rel=\"noopener\">interest rate<\/a>, personalised repayment, and a guarantor. Student loans are designed to support academic progress and recognise that learners do not have immediate earning potential. These loans are offered to South African nationals who have enrolled in accredited higher education programmes.<\/p>\n\n\n\n<p>Student loans are also available without a guarantor if the student is enrolled in part-time study and employed. Additionally, some banks allow this if the household income is below a certain amount. It is important for students to understand how do student loans work and what they provide. In South Africa, student loans are valid only for a 12-month period. This means students must reapply for a loan each year.<\/p>\n\n\n\n<p>At Regenesys Education, we have partnered with reputable banks and lenders to make it easier for learners to secure <a href=\"https:\/\/www.regenesys.net\/student-loans\" target=\"_blank\" rel=\"noopener\">student loans<\/a>. Another funding option that we provide is flexible payment plans to make it easier to cover costs.&nbsp;<\/p>\n\n\n\n<p>Read more on <a href=\"https:\/\/www.regenesys.net\/reginsights\/best-student-loans-in-south-africa\" target=\"_blank\" rel=\"noopener\">Best Student Loans in South Africa \u2013 Learn How to Make the Correct Choice<\/a> here<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.regenesys.net\/student-loans?utm_source=SA-WEBSITE-BLOG&amp;utm_medium=Blog-BannerCTA&amp;utm_campaign=Education_Funding&amp;utm_content=how-do-student-loans-work\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"800\" height=\"418\" src=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-3.webp\" alt=\"Education Funding and Payemnt Support Available\" class=\"wp-image-186665\" srcset=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-3.webp 800w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-3-300x157.webp 300w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-3-80x42.webp 80w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-3-768x401.webp 768w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-3-150x78.webp 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Costs_Do_Student_Loans_Cover\"><\/span>What Costs Do Student Loans Cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Most student loans in South Africa are designed to support the full cost of studying. Even among these, a variety of coverage options are available. It is important for students to confirm what expenses are included before they finalise a loan. It is possible that some items may be excluded, or there may be a spending limit.<\/p>\n\n\n\n<p>The specifics depend on the loan provider, students, and the approved loan amount. It is possible to choose a loan that covers only tuition fees.<\/p>\n\n\n\n<p>Full-coverage student loans typically cover:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tuition fees<\/li>\n\n\n\n<li>Living expenses<\/li>\n\n\n\n<li>Books<\/li>\n\n\n\n<li>Digital devices<\/li>\n\n\n\n<li>Study material<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Interest_On_Student_Loans_Works\"><\/span>How Interest On Student Loans Works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Those who are curious to learn how do student loans work must understand student loan interest rates. This refers to the cost of borrowing money to pay for your education. Student loans are an attractive option because they offer lower interest rates than other loans. Some banks in South Africa also offer personalised interest rates.&nbsp;<\/p>\n\n\n\n<p>The applicable student loan interest rate depends on the loan amount and the customer&#8217;s credit profile. A stronger credit score can lead to a lower interest rate.&nbsp;<\/p>\n\n\n\n<p>To apply for a student loan, most banks require students to provide surety. This is a parent or guardian who signs on behalf of the student. They are responsible for paying monthly interest and fees for full-time students.&nbsp;<\/p>\n\n\n\n<p>Know <a href=\"https:\/\/www.regenesys.net\/reginsights\/how-to-apply-for-student-loans\" target=\"_blank\" rel=\"noopener\">How to Apply for Student Loans? Exploring Essential Requirements and Documents<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Student_Loan_Borrowing_Limits\"><\/span>Student Loan Borrowing Limits<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The amount of money that a student can borrow depends on the risk a bank is willing to carry. Since student loans in South Africa are limited to a 12-month period, the maximum amount students can borrow is for the academic year.&nbsp;<\/p>\n\n\n\n<p>When trying to gain a better understanding of how do student loans work, it is important to review borrowing limits. The table below offers clarity on the maximum amount students can borrow from various providers:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><p><strong>Loan Provider<\/strong><\/p><\/td><td><p><strong>Maximum Annual Loan Amount<\/strong><\/p><\/td><\/tr><tr><td><p>Standard Bank<\/p><\/td><td><p>No limit on tuition; R60,000 for housing, R20,000 for study-related expenses<\/p><\/td><\/tr><tr><td><p>Nedbank<\/p><\/td><td><p>R400,000<\/p><\/td><\/tr><tr><td><p>ABSA<\/p><\/td><td><p>No Maximum amount<\/p><\/td><\/tr><tr><td><p>Capitec<\/p><\/td><td><p>R500,000<\/p><\/td><\/tr><tr><td><p>FNB<\/p><\/td><td><p>R360,000<\/p><\/td><\/tr><tr><td><p>NSFAS<\/p><\/td><td><p>Varies depending on funding<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Read more on <a href=\"https:\/\/www.regenesys.net\/reginsights\/funding-for-undergraduate-degree\" target=\"_blank\" rel=\"noopener\">Top Funding For Undergraduate Degrees: Student Loans, Bursaries, and More<\/a> here<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.regenesys.net\/lp\/regenesys-online-application?utm_source=online_application_blog&amp;utm_medium=online_application_banner&amp;utm_campaign=apply_2026_intake&amp;utm_content=how-do-student-loans-work\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"794\" height=\"416\" src=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-4.webp\" alt=\"How to Apply for 2026 Intake in South Africa\" class=\"wp-image-186666\" srcset=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-4.webp 794w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-4-300x157.webp 300w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-4-80x42.webp 80w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-4-768x402.webp 768w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-4-150x79.webp 150w\" sizes=\"(max-width: 794px) 100vw, 794px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Student_Loan_Repayment_Options\"><\/span>Student Loan Repayment Options<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Repayment options are structured to allow students time to transition into employment. Most banks offer students a 6-month grace period, after which they must begin repaying the principal and interest. While the student is enrolled at university, the guarantor pays only the interest and loan charges.<\/p>\n\n\n\n<p>Part-time students who are employed must begin monthly repayments while studying.<\/p>\n\n\n\n<p>Some loans, such as the NSFAS, offer additional repayment benefits. Students only begin repayment once they earn R30,000 or more annually.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Happens_If_You_Cannot_Repay_Your_Student_Loan\"><\/span>What Happens If You Cannot Repay Your Student Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Failing to repay a student loan can have long-term financial effects. It can lower your credit score and make it impossible to secure additional loans for a house or a car.&nbsp;<\/p>\n\n\n\n<p>Therefore, it is important for students to understand whether potential future earnings can cover the amount they borrow. At the same time, if they are unable to, the guarantor should be capable of making repayments.&nbsp;<\/p>\n\n\n\n<p>This is why when researching how do student loans work, learners should pay close attention to repayments. Before signing any loan documents, students should understand the structure and keep track of monthly charges and balance.&nbsp;<\/p>\n\n\n\n<p>If repayment becomes difficult, students should contact the lender to renegotiate terms if possible. They can also request an extension. In some rare cases, loan forgiveness for student loans may be applicable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_Student_Loan_Mistakes_To_Avoid\"><\/span>Common Student Loan Mistakes To Avoid<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many students enter loan agreements without fully understanding them. This can lead to financial stress later, especially when repayment begins.<\/p>\n\n\n\n<p>A student loan is a long-term commitment, therefore, it is important to carefully study available options and pick the best one for you. Many times, students lose track of payments, which can lead to fines or increase the amount due.<\/p>\n\n\n\n<p>Some student loan mistakes that must be avoided include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Borrowing more than what is necessary<\/li>\n\n\n\n<li>Ignoring monthly interest payments<\/li>\n\n\n\n<li>Missing repayments without informing the lender<\/li>\n\n\n\n<li>Not understanding the fines for late payments<\/li>\n\n\n\n<li>Focusing only on the interest rate instead of the complete amount<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.regenesys.net\/lp\/bachelor-of-science-in-computer-science?utm_source=bcs_blog&amp;utm_medium=bsc_cs_banner&amp;utm_campaign=study_bcs_online&amp;utm_content=how-do-student-loans-work\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"800\" height=\"418\" src=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-1.webp\" alt=\"Bachelor of Science in Computer Science in South Africa\" class=\"wp-image-186667\" srcset=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-1.webp 800w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-1-300x157.webp 300w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-1-80x42.webp 80w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-1-768x401.webp 768w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-1-150x78.webp 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips_For_Managing_Student_Loans\"><\/span>Tips For Managing Student Loans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Managing a student loan responsibly requires planning from the beginning. Students need to understand that a loan is a long-term commitment. Before committing to a lender, students must explore all available choices. This helps them compare amounts, interest rates, and repayment plans.&nbsp;<\/p>\n\n\n\n<p>Listed below are some tips that can help students manage their student loans:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understand your loan, including interest and repayment<\/li>\n\n\n\n<li>Borrow only what is necessary<\/li>\n\n\n\n<li>Track expenses throughout the year<\/li>\n\n\n\n<li>Ensure interest and charges are paid monthly<\/li>\n\n\n\n<li>Create a budget with a focus on repayment<\/li>\n\n\n\n<li>Use a student loans repayment calculator for better planning<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Explore_Our_Other_Programmes\"><\/span>Explore Our Other Programmes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-business-administration\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Business Administration (BBA)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/master-of-business-administration\" rel=\"noreferrer noopener\" target=\"_blank\">Master of Business Administration (MBA)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-laws\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Laws (LLB)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/doctor-of-business-management\" rel=\"noreferrer noopener\" target=\"_blank\">Doctor of Business Management (DBM)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/higher-certificate-in-public-management\" rel=\"noreferrer noopener\" target=\"_blank\">Higher Certificate in Public Management (HCPM)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/higher-certificate-in-business-management\" rel=\"noreferrer noopener\" target=\"_blank\">Higher Certificate in Business Management (HCBM)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-public-management\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Public Management (BPM)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/master-of-public-management\" rel=\"noreferrer noopener\" target=\"_blank\">Master of Public Management (MPM)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/postgraduate-diploma-in-data-science\" rel=\"noreferrer noopener\" target=\"_blank\">Postgraduate Diploma in Data Science (PDDS)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-science-in-computer-science\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Science in Computer Science<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/postgraduate-diploma-in-public-management\" rel=\"noreferrer noopener\" target=\"_blank\">Postgraduate Diploma in Public Management<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/postgraduate-diploma-in-digital-marketing\" rel=\"noreferrer noopener\" target=\"_blank\">Postgraduate Diploma in Digital Marketing<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-commerce-in-banking-and-financial-services\" rel=\"noreferrer noopener\" target=\"_blank\">BCom in Banking and Financial Services<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-accounting-science\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Accounting Science (BCOMPT)<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The rising cost of higher education is pushing many learners to take out student loans to cover expenses. While these can help make education accessible, students need to pay attention to the terms attached.&nbsp;<\/p>\n\n\n\n<p>Before finalising a loan plan, students must research how do student loans work. This will provide an understanding of interest rates, repayment plans, and loan duration. Students should read all loan documents carefully before signing.<\/p>\n\n\n\n<p>Explore the wide range of accredited programmes on the <a href=\"https:\/\/www.regenesys.net\/\" target=\"_blank\" rel=\"noopener\">Regenesys Education<\/a> website for which students can secure a loan. Enrol today!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion  root-eb-accordion-4gh13\"><div class=\"eb-parent-wrapper eb-parent-eb-accordion-4gh13 \"><div class=\"eb-accordion-container eb-accordion-4gh13\" data-accordion-type=\"accordion\" data-tab-icon=\"fas fa-angle-right\" data-expanded-icon=\"fas fa-angle-down\" data-transition-duration=\"500\"><div class=\"eb-accordion-inner\">\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-wwwmt eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-4gh13\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-4gh13\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-4gh13\"><h3 class=\"eb-accordion-title\">Do student loans cover private higher education institutions?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-4gh13\"><div class=\"eb-accordion-content\">\n<p>Yes, student loans cover private institutions such as Regenesys Education. We offer a wide range of accredited undergraduate and postgraduate programmes.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-53mz8 eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-4gh13\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-4gh13\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-4gh13\"><h3 class=\"eb-accordion-title\">How does interest on student loans work?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-4gh13\"><div class=\"eb-accordion-content\">\n<p>Student loan interest rates are usually charged at a reduced amount during the study period and increase once repayment begins.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-0vuwb eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-4gh13\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-4gh13\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-4gh13\"><h3 class=\"eb-accordion-title\">What happens if I can\u2019t make my student loan payments?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-4gh13\"><div class=\"eb-accordion-content\">\n<p>This can lead to a poor credit score and make it difficult to secure future loans.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-5klpq eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-4gh13\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-4gh13\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-4gh13\"><h3 class=\"eb-accordion-title\">Do student loans affect my credit score?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-4gh13\"><div class=\"eb-accordion-content\">\n<p>It can affect your score if you miss payments regularly or are unable to repay the borrowed amount.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-1zqb4 eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-4gh13\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-4gh13\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-4gh13\"><h3 class=\"eb-accordion-title\">Can I get a student loan without a co-signer?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-4gh13\"><div class=\"eb-accordion-content\">\n<p>It is possible if you are a part-time student and employed. All full-time students require a guarantor to secure a student loan.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Higher education can help to improve employability and offer higher earning power. However, high costs can sometimes force students to skip university. As a result, student loans have become a common funding option for many learners. These allow students to access education while spreading repayment costs over several years. However, loans need to be repaid<\/p>\n","protected":false},"author":96,"featured_media":189453,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[4605],"tags":[],"country":[4879],"class_list":{"0":"post-186664","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-student-loan","8":"country-south-africa"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How do Student Loans Work in South Africa? | Details<\/title>\n<meta name=\"description\" content=\"Learn more about how student loans work in South Africa. Understand interest rates, limits, and repayment plans. 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