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ABOUT TELS

Tertiary Education Loans Scheme (TELS)

Tertiary Education Loans Scheme (“TELS”) is a fund intended to provide finance to Fijian students who have qualified for higher education at approved institutions in a TSLS eligible program but are unable to support themselves financially.
 
The Scheme provides student’s zero or low interest loans to eligible Fijians to enable them access to local Higher Education, in line with the Fijian Government’s vision of “Building a Smarter Fiji". TELS funding is restricted for up to the first Bachelor's Degree.

For the new financial year (1 August 2021-31 July 2022), a maximum of 7000 students will be funded under the following TELS Schemes. The quota are as follows:

 
All other TELS categories – 2942
TELS for TVET at the Fiji National University - 5000

TELS Schemes Quota for New Students, Existing Students, Public Sector Employees and Private Sector Employees.
Category of Funding Programmes Category Quota MINIMUM CUT OFF MARK BASED ON YEAR 13/400 and Foundation GPA
Engineering Bachelor of Engineering, Civil Engineering, Electrical/Electronic Engineering, Energy Engineering and Mechanical Engineering, Mechanical Engineering & Physics, Electrical/Electronic Engineering & Physics, Electrical/Electronic Engineering & Computer Science, Instrumentation & Control System, Electronic/Instrumentation & Control, Telecommunication & Networking, Electronics/Telecommunication & Networking. 400 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0.
Medicine and Health Bachelor of Dietetics & Nutrition 24 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0.
Bachelor of Health Environment 10
Bachelor of Nursing 350
Bachelor of Health Promotion 15
Bachelor of Health Services Management 15
Bachelor of Medical Imaging Science 20
Bachelor of Medical Lab Sciences 32
Bachelor of Pharmacy 20
Certificate in Aged Care 20
Bachelor’s Degree in: Public Health & Primary Health Care 60 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0
Bachelor of Physiotherapy 16
  Total Medicine & Health 582  
Agriculture, Fisheries & Forests Certificate/Diploma/Bachelor’s Degree in: Agriculture, Agricultural Engineering, Agribusiness, Veterinary Sciences, Forestry, Fisheries, Aquaculture, Fish Technology and Food Technology, Sustainable Fisheries, Animal Science, Animal Husbandry. 80 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0.
Technology Certificate/Diploma/bachelor’s degree in: Telecommunications Networking, Cyber Security, Networks and Security, Software Development/Engineering, Programming, Library Sciences, Media and Journalism, Information System, Computing Science, Information Technology and Applied Computing, Computing, Computer Studies Media & Communication. 130 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0.
Social Sciences Certificate/Diploma/Bachelor’s Degree in: Social Work, Social Policy and Policy Administration, Social & Community Work, Sociology, Applied Social Science. 20 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0.
Environment/ Marine Science Diploma/Bachelor’s Degree in: Environmental Science, Environmental Management, Climate Change, Marine Management, Ocean Resources Management, Ocean Resource Management & Policy, Marine Science. 20 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0.
Land/Town Planning Certificate/Diploma/Bachelor’s Degree in: Land Surveying, Urban and Regional Planning, Real Estate and Property Management, Geo-Spatial Engineering, GIS/Land Acquisition, Real Estate and Property Valuation, Land Management, Land Management & Development.
 
 
20 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0.
Commerce Certificate/Diploma/Bachelor’s Degree in: Accounting, Economics, Finance, Official Statistics, Project Planning & Management, Property Management and Valuation, Occupational Health and Safety, Information Systems, Professional Accounting, HRM and Industrial Relations, Public Administration and Management, Business Studies, Management, Marketing, Business Informatics, Agricultural Economics & Agribusiness, HRM & ER, International Business & Marketing, Banking and Library. 850 (this quota is sufficient and there already oversupply) 280 Marks or
GPA of 3.15/4.5 or 3.5/5.0 except for Accounting, Economics, Management and Pubic Administration where the cut off mark is 300 marks or GPA of 3.36/4.5 or 3.75/5.0.
Education Certificate/Diploma/Degree in: Counselling 30 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0
Certificate/Diploma/Bachelor’s Degree in Special and Inclusive Education 30
Certificate/Diploma/Bachelor’s Degree in Early Childhood Education 30
Certificate/Diploma/Bachelor’s Degree in Primary Education 65
Certificate/Diploma/Bachelor of Education Secondary: Mathematics & Physics, CS 55
Certificate/Diploma/Bachelor of Education Secondary: Industrial Arts 30
Certificate/Diploma/Bachelor of Education Secondary: Accounting, Economics, History, Geography, Computer Science, Information System/Technology 30
Certificate/Diploma/Bachelor of Education Secondary: History, Geography 30
Certificate/Diploma/Bachelor of Education Secondary: Biology, Chemistry, Home Economics, Food & Nutrition 30
Certificate/Diploma/Bachelor of Education Secondary:  English Language & Literature, Hindi Language & Indian Culture, i Taukei Studies i Taukei/Fijian Language, Literature & Language, Hindi Studies, English 20
Certificate/Diploma/Bachelor of Education Secondary:  Physical Education & Music, Physical Education/Art & Craft 15
Certificate/Diploma/Bachelor of Education Secondary:  Office Technology 30
Certificate/Diploma/Bachelor of Education Secondary:  Agriculture, 15
  Total Education 410  
Arts Certificate/Diploma/Bachelor’s Degree in: Language, Literature & Culture, Hindi Language & Indian Culture, iTaukei Language, Hindi Language, Justice, Policing, Population Studies & Demography, Multilingual Studies, Pacific Journalism, Police Management, Prosecution, Leadership, Governance & Human Rights, Psychology & Education, History, Journalism, Linguistic, Pacific Language Studies, Pacific Policing, Pacific Studies, Heritage and Arts, Pacific Vernacular Language, Technical & Vocational Education, Politics, Geography, Educational Assessment, Non-Formal Education, Educational Evaluation and Assessment, Educational Leadership 75 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0.
Law & PDLP/GDLP 25 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0
Science Certificate/Diploma/Bachelor’s Degree in: Mathematics, Physics, Chemistry, Biology, Food Technology, 300 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0.
Tourism Certificate/Diploma/Bachelor’s Degree in: Tourism Studies, Hotel Management, Tourism & Hospitality, Tourism Hospitality Management, Tourism Management, Hospitality & Hotel Management 30 250 Marks or
GPA of 2.81/4.5 or 3.12/5.0
  TOTAL 2942  
Programs not Funded under TELS for Academic Year 2022
The following are not funded under any of the TELS Schemes:
  1. Overseas Studies.
  2. Foundation Studies.
  3. Unclassified/Undergraduate Programs.
  4. Short Courses.
  5. Bachelor of Medicine and Bachelor of Surgery (MBBS).
  6. Bachelor or Oral Health.
  7. Bachelor of Oral Health and Dental Surgery.
  8. Programs not attracting sufficient cross credits for the next level of studies in the same program. This includes but is not limited to Pacific TAFE programs (Early Childhood program offered by Pacific TAFE is eligible for TELS funding).
  9. Post Graduate Qualifications.
  10. Franchise programs.
  11. Double Degrees.
  12. Pilot Training.
  13. Upgrade of qualification.
  14. Any programs or institutions not listed in the drop-down menu of the TSLS Online Application System.
  15. Professional Accreditation Courses e.g., FIA, CPA, CISCO etc.; and
  16. Program not registered/accredited with Fiji Higher Education Commission.
Eligible Higher Education Institutions for TELS
  1. University of Fiji.
  2. Fiji National University.
  3. The University of the South Pacific.
  4. Corpus Christi Teachers College.
  5. Fulton University College.
  6. Sangam Institute of Nursing.
  7. Centre for Applied Technology and Development.
  8. Pacific Flying School-Pilot Training.
  9. Advanced Aviation Training-Pilot Training.
Categories of Loan Scheme Available for Academic Year 2022
Currently there are 6 categories of TELS as follows with each category having its own eligibility criteria for application:
  1. TELS for New Students.
  2. TELS for Existing Tertiary Students.
  3. TELS for TVET at the Fiji National University.
  4. TELS for Public Sector Employees.
  5. TELS for Private Sector Employees.
  6. TELS Accommodation Support Scheme.
Interest Rates
 
Applicable interest rates on all TELS borrowing is dependent on the combined parents/guardians/self-annual income of the applicant. The current interest rates for borrowing under TELS are as follows:

 
Combined Family Income per annum (FJD) Interest Rate (%)  
Up to $25,000  0
$25001- $50,000 0.5
$50,001 - $100,000 1
Above $100,000 2

TELS Loan Repayment
Under the new policy announced in the 2018/2019 budget, students do not necessarily have to pay back the full amount borrowed for their studies. Students can avoid paying the full amount that they have borrowed by taking advantage of the Fijian Government's new TELS Accelerated Repayment Incentive (“ARI”) as announced in the 2018/2019 national budget.
 
TELS Accelerated Repayment Incentive is a heavily incentivized repayment scheme for TELS recipients who settle their loans early. Depending on the total amount owed, the length of time taken post-graduation and getting into paid employment, the scheme provides an opportunity for TELS recipients to have a significant portion of their student debt waived off by the Fijian Government.
 
TELS Accelerated Repayment Incentives are set in three steps, affording 10%, 25% and 50% discounts on the amount of the loan. ARI steps are determined based on the student’s total debt and how quickly their discounted portion of the loan is settled after their first day of employment post-graduation.
For example, if you are a new graduate with a student debt of less than $20,000 and settle 50% of the loan balance in less than 2 years, you will be entitled to a waiver of 50% (i.e., $10,000).
 
The following rates of repayments and discounts apply:

 
Total Debt Level (Upon Graduation) Discount applicable at various repayment periods
50% 25% 10%
Less than $20,000 < 2 years 2-4 years 4-6 years
$20,000-$49,999 < 3 years 3-6 years 6-8 years
$50,000-$99,999 < 4 years 4-8 years 8-10 years
$100,000 plus < 5 years 5-10 years 10-12 years
All repayments are to be made to Fiji Revenue and Customs Services.

Click Here To Apply Online

TELS Terms and Conditions
Click Here for TELS Frequently Asked Questions