
More students in Singapore juggle studying and working to support their families, Singapore News
Chan, who graduated in May from Nanyang Polytechnic (NYP) with a diploma in food and beverage business, worked up to five hours a day on weekdays and 12 hours a day on weekends — all while studying full-time.
While there is no official data on the number of students who have to study and work to support their families, social service agency Allkin Singapore said that it has seen a more than threefold increase in the number of post-secondary students aged 17 and above who have to work while studying, from five in 2024 to 17 in 2025.
This is according to data gathered from applications for its Allkin ElevatED! study grant.
Natalie Lim, deputy director of the family and community support division at Allkin Singapore, said that this increase 'suggests a growing trend of students having to assume financial responsibilities while pursuing their education'.
Two other social service organisations The Straits Times reached out to did not have this data.
The Ministry of Education (MOE) said that in academic year 2023, over 70 per cent of Singaporeans studying at the Institute of Technical Education (ITE) and around 50 per cent of Singaporeans studying in polytechnics received the Higher Education Community Bursary and the Higher Education Bursary. The figures have remained stable over the past five years, MOE added.
These are government bursaries for post-secondary students from lower- to middle-income group households that help them to offset tuition fees. Families eligible for the Higher Education Community Bursary take home $4,400 or less monthly, while families eligible for the Higher Education bursary take home $10,000 or less monthly. Sharing their families' burden
For some students, working part-time is a choice they make to help supplement their family's income.
Second-year Temasek Polytechnic (TP) business student Lucas Lim works part-time as a retail assistant at Fairprice to alleviate the financial burden on his 63-year-old bus captain father, who is the sole breadwinner of the family, which includes his 56-year-old homemaker mother and two older brothers, aged 25 and 29.
The 18-year-old said of his father, who is looking to retirement soon: "I've seen him working tirelessly for his entire life. I want to be able to carry some of the burden for him."
When Singapore Polytechnic (SP) civil engineering student Yap Jie Er started working at Takagi Ramen as a kitchen crew member in October 2021, she did it for her own extra pocket money.
Two months later, it became a necessity for her to own her own keep after her father died from cancer.
"I stopped taking an allowance from my mum. Since I was earning my own money, I wanted my mum to be able to give more allowance to my three younger siblings," said Yap, 20, whose younger siblings are aged 18, 11 and seven years old respectively.
Jennifer Lau, a third-year immersive media student at Ngee Ann Polytechnic (NP), works once a week as a retail assistant at a Lego store.
She would like to work more, but she cannot do so because she has to juggle studies as well as visiting her father in a nursing home.
Her father was admitted to a nursing home to receive full-time care in November 2023, after being diagnosed with Parkinson's disease, a neurodegenerative disease that leads to difficulty with walking, balance, coordination and even speech.
Lau, 23, earns about $400 a month during the school term. Most of her salary is spent on personal expenses like food and transport costs, as well as food for her father when she visits him two to three times a week.
For now, her household bills and her father's nursing home costs are covered by her father's savings and her school fees are covered by financial assistance programmes.
"The biggest challenge of working and studying at the same time is that I can't work enough. I want to be able to work more," said Lau, who has no siblings. How they balance school and work
Many students who work part-time focus on academics during the weekdays and go to their jobs on weekends.
Yap would work up to two shifts at Takagi Ramen every weekend. Each shift lasted from 10am to 10pm.
Her job involved preparing drinks, serving customers and assisting the ramen chef. Yap recalls that she had to be on her feet throughout her shifts except during a one-hour break each shift.
She said: "Standing all day can be tiring, especially during the evening peak hours when it's extremely busy. We (also) have to stay a 100 per cent focused on our work without making any mistakes."
Despite working only twice per week, Yap's part-time job took a toll on her studies.
She said: "I would be too tired (from work) to study on weekends, so I would often stay up past midnight to catch up on studies during weekdays."
"Sometimes, when I am sleeping, I would even have dreams about working (at my job). It definitely affected my concentration in class and there's been an obvious drop in my grades," said Yap, whose grade point average has dropped from 3.4 to 3.2.
She stopped working in July 2024 in order to focus on her studies as she is in her final year. Financial aid programmes, such as the bond-free HSBC Centenary Scholarship she won in 2023 and 2024, have helped with her financial situation.
She said: "It's allowed me to work less and have more time to focus on studies and socialising." 'I wish I could spend the money I earn on myself'
For Mr Lim, working part-time means having to sacrifice time that could be spent on co-curricular activities or socialising.
He said: "I don't have much of a chance to rest, so I'm usually too exhausted from work to participate in sports."
"CCAs I'm interested in, like dragonboat and archery, train only on the weekends, so I'm unable to commit due to my work."
Not only does he miss socialising with his friends due to his work commitments on the weekends, he also feels like his life is about "constantly running from task to task".
"I have no time to unwind," he said.
Lau said her sacrifice is in terms of the things she wants but does not need.
"I wish that I could spend some of the money I earn on things I want to buy. Sometimes I'll see things like games or (video game) consoles and tell myself that I'm going to buy it next month, but that next month never comes around," she said.
When she first began working, she often found herself comparing her situation with those of her classmates. "Why do I have to work while they don't? Why can they have things that I can't?" she would think.
"But as I've gotten older, I've gotten more used to it and I've realised that everyone has different journeys any way."
Lau said that despite the challenges, she has benefited from her time working and studying at the same time. She said: "It's helped me improve my confidence and built important skills I'll need for working in the real world, like public speaking."
Senior clinical and counselling psychologist at Allkin Singapore Tan Ying Yin said that working at a young age can benefit students: "It provides early opportunities to develop essential life skills. Through work, youth can learn valuable skills such as time management and financial responsibility."
Mr Lim agrees. "Working has given me a new perspective. It's developed my time management skills, and it's taught me to be disciplined and resolved," he said.
"Even though I may be exhausted now, I think it'll benefit me in the long run. I want to take these skills to give my dad peace of mind when he retires, and contribute to a better future for my family." What are the impacts of studying and working to support the household simultaneously?
Allkin Singapore's Ms Lim said students who have to study and work to support their households face "significant challenges", including difficulty focusing on academics due to the demands of multiple roles and persistent worries about having enough financial resources to meet both personal and family needs.
There are also psychological impacts on students. Tan Ying Yin, senior clinical and counselling psychologist at Allkin Singapore, said: "Youth seek acceptance and a sense of belonging through their peer relationships.
"Taking on work and family responsibilities may cause them to miss out on key relational milestones, as they have less time for social and recreational activities with their peers. The challenge of balancing both work and school can heighten feelings of stress and anxiety." What help is available for students who work and study at the same time?
An MOE spokesperson said that there is a "wide range of financial assistance schemes available to support Singaporean citizen students from low to middle-income families".
These include government bursaries, such as the Higher Education Community Bursary and Higher Education Bursary, and loans for diploma and undergraduate students, as well as individual aid schemes from institutes of higher learning.
Additionally, there are other forms of financial assistance offered by foundations, community groups, self-help groups, as well as private and professional organisations.
Family service centres, such as Allkin, also offer financial assistance programmes for students in difficult financial situations. Some of these programmes, such as the Allkin Family Support Fund, provide financial assistance to students beyond just school-related materials, and help students and their families afford basic needs and significant family expenses.
However, despite the availability of financial assistance, some students still feel the need to work to support their families. Ms Lim said that in these instances, students may continue to work because: They need to contribute to household income, especially when family members are unable to work due to their medical condition(s).
Eligibility criteria of current financial assistance options that may exclude certain students from receiving aid.
The rising cost of living, which outpaces the financial assistance received.
Cultural values that may discourage young people from relying on their parents who are facing financial challenges.
Limitations of financial aid — while some forms of aid cover school fees, they may not fully address other essential expenses such as educational resources (for example, books, laptops) or daily living costs (for example, transport, meals). As a result, students may still need to work to meet these needs.
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This article was first published in The Straits Times . Permission required for reproduction.
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Straits Times
4 hours ago
- Straits Times
CPF at 70: A success story built on self-reliance and constant adaptation
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In particular: To enable home ownership. To help Singaporeans cover some of their medical expenses. And from time to time, when economic circumstances demanded, as an instrument to trim business costs and restore our cost competitiveness. Retirement adequacy remained the key aim. But even purely from the retirement adequacy point of view, specific CPF policies needed constant adjustment. As the economy grew, incomes rose dramatically. Equally significantly, so did life expectancies. That meant that we had to continually adjust the CPF rules and schemes − sometimes drastically − to ensure retirement adequacy for Singaporeans. This called for some very tough choices. I once met the late Lord Paul Myners, a British financial expert and UK city minister. He had done a comprehensive review of the institutional investments made by UK insurance companies and pension funds. 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But at the same time, firms, workers and the economy must be able to afford paying these rates. Firms must still break even, families must still live and put food on the table, and the country must still remain competitive. So how do we balance that? When the CPF scheme first started in 1955, the total contribution rate was only 10 per cent − 5 per cent each from employees and employers. That was all we could afford. From the late 1960s, as Singapore's economy took off and incomes rose rapidly year after year, the Government seized the opportunity to progressively raise contributions rates for both employers and employees. So that Singaporeans could set aside more for their housing and retirement needs, and later on for their medical needs. But it was not a straight-line process. Sometimes we went too far, and we had to cut back the contribution rates when we had overshot or the economic conditions changed drastically. The first time this happened was in 1985. By then, we had raised the total CPF contribution rate to 50 per cent – 25 per cent from employees; 25 per cent from employers. This proved too high to sustain. The economy suddenly dived into a severe recession. After resisting the decision for many months, we finally concluded that we had to cut the CPF employer's contribution rates, and we decided to do it sharply − 15 percentage points cut from employers. Their contribution rates went from 25 per cent to 10 per cent. I can tell you it was a very painful decision. Effectively, it was a 15 per cent pay cut for workers. It was the only quick way to restore our cost competitiveness and revive our economy. Fortunately, the unions and workers supported the move. The rate cuts worked, and the economy recovered strongly. In the ensuing years, we gradually and carefully raised the CPF contribution rates. But we had to repeat this process twice more, and cut rates twice more. Once during the Asian financial crisis in 1997/1998, and again in the early 2000s after the 9/11 terrorist attacks. It took us until 2015, just 10 years ago, before we finally reached our desired total contribution rate of 37 per cent (now 20 per cent from employees, 17 per cent from employers), which we think is about the right level for the long term. But this is provided we get the other two strategic decisions in retirement planning right too. Withdrawal arrangements This leads to the second key question: How to manage the disbursement of CPF savings during retirement? This is a delicate matter − because people view their CPF savings as their own hard-earned money. They will always prefer more flexibility on what they can spend it on, and when they can get hold of it. At first, members could withdraw all their CPF savings in one lump sum, once they reached 55. This was not unreasonable for an era when life expectancy was only around 60. But as life expectancies lengthened, members who withdrew all their CPF savings at 55 could expect to live for another 20 years or more, into their 70s or 80s. Those who did not carefully husband this lump sum could easily exhaust their CPF savings early, when they still had many more years to live. Withdrawing everything at 55 no longer made sense. Something had to be done. In 1984, Mr Howe Yoon Chong, who was then the Minister for Health, delved into the matter, and published a report which proposed to raise the CPF withdrawal age from 55 to 60. This triggered an intense public reaction. The Government decided it should take this negative reaction into account, and did not implement the proposal. But the problem did not go away, and we had to continue to look for solutions to the problem. Eventually, Professor S. Jayakumar, who was then Minister for Labour, proposed the concept of a CPF 'Minimum Sum', which was introduced eventually three years later. 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But we still allowed a small part of the CPF savings to be taken out at 55 and also at 65. In 2009, we took another radical step – we introduced CPF Life, which is Lifelong Income For the Elderly, that converted members' CPF savings into annuities. CPF Life uses risk-pooling to provide members with retirement payouts for life – however long they may live. This was another major improvement to the scheme. In 10 years' time, we expect almost all CPF members turning 65 then to be automatically enrolled on CPF Life. Retirement and re-employment ages But after dealing with the retirement disbursements, there was a third piece we had to deal with: How to get people to work longer? This is a vexed subject in many countries, especially those with state-funded pension schemes. Because there, retirement payouts usually start at the national retirement age. You work, you pay social security. It goes into the pot where other people benefit − the older ones. The moment you retire, you stop paying, you start receiving. So you want to retire early, and receive early. When the government has to push that back – retire later and start receiving later – there is an enormous pushback, huge resistance, sometimes demonstrations, occasionally riots. We encountered similar pushback when we were pushing for people to work longer and simultaneously delaying the bulk of their CPF payouts. Because to retire at 55, in effect, was too early. And at 55, to withdraw was too early. We had to push both back. It is your own money, but you still wanted it sooner rather than later. Delaying the payouts did not short-change you − the money is there, it is safe, it is earning good CPF interest, but you want to touch it. And so we had a lot of resistance. But with a lot of hard political work, we did get it accepted. We passed the legislation, we created a national statutory retirement age. At that time, retiring at 55 was not by law; it was just by practice. But we made a statutory retirement age by law, which was 60, and then later on, we raised that to 62. And when we raised it to 62, we also introduced a statutory re-employment age of 65. So in effect, many people now work until they are 65 years old. And in parallel, we shifted the bulk of CPF payouts to start from 65, to align with the re-employment age. But as we raised the retirement and re-employment ages beyond 65, we decided not to correspondingly delay CPF payments further. Because by now, we had in place the Retirement Sum Schemes − the Basic, Full and Enhanced Retirement Sums − and we also had the CPF Life scheme. This ensured a baseline of retirement adequacy for everyone. We could afford to give Singaporeans more choice and control over their retirement arrangements. This delinking of the CPF withdrawal arrangement from the retirement age has made it much easier for us to raise our retirement and re-employment ages further, and to encourage workers to work longer. 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Independent Singapore
12 hours ago
- Independent Singapore
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Online Citizen
13 hours ago
- Online Citizen
Singapore sees 7% drop in marriages in 2024; more elderly living alone as family dynamics shift
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