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How Student Loan Administration Fund Works

    Government funds are utilized for higher education. Students usually seek admission at an institution and get a letter of acceptance before applying for the study loan / scholarship. Applications are evaluated and awarded by the scholarship selection board. After awarding the scholarship government makes transfer of fund to the institution both tuition fees and living expenses. The institution offers a student full higher education degree program and after completion a student becomes immediately unemployed. The current study loan model allows students to get a job before they can start paying. Once a student gets employed, their employers deduct monthly amounts from their salaries to repay the study loan amount.

Figure 1 : Current Model
The following is the simplistic view of the future model of scholarship /study loan in Swaziland.

Figure 2: Future Conceptual Model
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