How do I apply for CAO

By | March 23, 2025

How to Apply for CAO in South Africa

Introduction

Applying for the Central Applications Office (CAO) in South Africa is the first step towards pursuing higher education at universities and colleges in the country. The CAO handles the application process for most tertiary institutions in South Africa, making it easier for students to apply to multiple institutions simultaneously.

Steps to Apply for CAO

1. Register Online

Visit the CAO website and create an account to begin the application process. Make sure to provide accurate personal information and contact details.

2. Select Your Programmes

Browse through the list of programmes offered by various universities and colleges and select the ones you are interested in. You can apply for multiple programmes at different institutions.

3. Pay Application Fee

Once you have selected your programmes, you will need to pay the application fee. The fee may vary depending on the number of programmes you apply for.

4. Submit Required Documents

Upload all the necessary documents, such as academic transcripts, identity documents, and proof of payment, to complete your application.

5. Track Your Application

After submitting your application, you can track its progress online. You will receive notifications about any updates or additional requirements from the institutions.

FAQ

1. Can I apply to multiple institutions through CAO?

Yes, you can apply for multiple programmes at different universities and colleges through the CAO.

2. When is the deadline to apply for CAO?

The deadline for CAO applications usually varies each year, so it’s important to check the website for the latest information.

3. How can I pay the application fee?

You can pay the application fee online using various payment methods available on the CAO website.

4. What if I miss the application deadline?

If you miss the application deadline, you may still have the option to apply for certain programmes through the Late Application process. However, spaces may be limited.

5. Can international students apply through CAO?

Yes, international students can also use the CAO system to apply for programmes at South African institutions.

6. Can I apply for bursaries through CAO?

While the CAO manages the application process for programmes, bursary applications are usually handled directly by the institutions or external organizations.

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7. How long does it take to receive a response after applying through CAO?

The response time may vary depending on the institution and programme you applied for. Some institutions may send out offers as early as a few weeks after the application deadline.

8. Are there any scholarships available through CAO?

Some institutions offer scholarships to students based on academic merit or financial need. Check the websites of individual institutions for more information on scholarship opportunities.

9. Can I change my programme choices after submitting my application?

Once you have submitted your application, changes to your programme choices may be limited. However, you can contact the CAO for guidance on making any necessary changes.

10. Can I apply for a student loan through CAO?

While the CAO does not handle student loans, you can explore options for student loans through financial institutions or government agencies.

Conclusion

Applying for CAO in South Africa is a straightforward process that allows students to access a wide range of tertiary programmes at various institutions. By following the steps outlined above and keeping track of important deadlines, you can increase your chances of securing a spot at your preferred university or college.

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Complete Guide to NSFAS Online Loan Application for South African Students (2025)

If you are a South African student looking to pursue higher education but are facing financial difficulties, the National Student Financial Aid Scheme (NSFAS) is one of the most accessible funding options available. NSFAS provides financial aid in the form of bursaries and loans to qualifying students at public universities and TVET colleges in South Africa.

This guide will walk you through everything you need to know about the NSFAS loan application process, from eligibility requirements to application steps and frequently asked questions.


📌 What is NSFAS?

The National Student Financial Aid Scheme (NSFAS) is a government-funded financial aid scheme aimed at helping students from low- and middle-income households to access tertiary education without the burden of upfront fees.

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NSFAS offers both bursaries and income-contingent loans:

  • Bursaries: For eligible students who meet academic and household income criteria (especially for TVET and university students).
  • Loans: For students who do not meet all bursary criteria or who are pursuing postgraduate qualifications not funded under bursary schemes.

✅ Who Qualifies for an NSFAS Loan?

To qualify for an NSFAS loan (especially for postgraduate students or programs not funded under the bursary system), you must:

  • Be a South African citizen.
  • Be financially needy, with a household income of less than R350,000 per year.
  • Have a valid South African ID.
  • Be enrolled or accepted to study at a public university or TVET college.
  • Not be funded through another bursary program that covers all expenses.
  • Maintain satisfactory academic progress (returning students).

📚 Courses Funded by NSFAS

NSFAS primarily funds undergraduate qualifications, but certain postgraduate programs (e.g., PGCE, postgraduate diplomas in education, and professional courses like LLB) may be considered under the NSFAS loan scheme, not bursaries.

If you’re studying:

  • Undergraduate degree or diploma: You are likely eligible for a full NSFAS bursary.
  • Postgraduate study: You may qualify for a loan, depending on the course and funding availability.

📄 Required Documents for NSFAS Application

When applying, make sure you have the following documents scanned and ready:

  1. Certified copy of your South African ID or Smart Card.
  2. Parent(s) or guardian(s) ID documents.
  3. Proof of income (latest payslips, UIF, or affidavit if unemployed).
  4. Consent Form signed by your parent(s)/guardian(s) to allow NSFAS to verify income.
  5. Proof of registration or acceptance at a public institution.
  6. Academic transcripts (for continuing or postgraduate students).

🖥️ How to Apply for an NSFAS Loan Online

Step-by-Step NSFAS Online Application Process (2025)

  1. Visit the NSFAS Website

    Go to: https://www.nsfas.org.za

  2. Create an Account

    • Click on “MyNSFAS” and register your profile.
    • You’ll need a valid email address and South African cellphone number.
    • Choose a strong password and verify your account via email or SMS.
  3. Login and Start the Application

    • After registration, log in to your MyNSFAS account.
    • Click on “Apply” to begin a new application.
  4. Fill in Your Personal Details

    • Input your ID number, name, surname, and other details exactly as they appear on your ID.
    • Provide household income information and living arrangements.
  5. Upload Required Documents

    • Upload all supporting documents in PDF or JPEG format.
    • Each document must be clear and under the size limit specified.
  6. Submit Your Application

    • Review your application for accuracy.
    • Click “Submit” and wait for a confirmation message.
  7. Track Your Application

    • Log in regularly to check your application status.
    • You will be notified via SMS and email at each stage of the process.

🗓️ Important NSFAS Dates (2025)

  • Application Opening Date: September 1, 2025
  • Application Deadline: January 31, 2026
  • Appeals Period: February 2026 (if rejected)
  • Disbursement: After registration and approval

Note: Dates are subject to change; always confirm on the official NSFAS website.


💸 What Does the NSFAS Loan Cover?

NSFAS funding typically includes:

  • Tuition fees
  • Registration fees
  • Accommodation (if living away from home)
  • Meals and transport
  • Learning materials (e.g., textbooks)

For loans, repayment is only required once you start working and earn above a threshold (around R30,000 annually, but subject to change).


🔄 NSFAS Loan Repayment

Repayments are:

  • Income-contingent – you only repay when you can afford to.
  • Administered by DHET (Department of Higher Education and Training).
  • Interest-bearing, but interest rates are low and favorable.

You can also apply for a partial loan conversion to a bursary if you perform well academically.


🔁 How to Appeal a Rejected NSFAS Application

If your application is rejected, you may submit an appeal via your MyNSFAS portal:

  1. Log into your MyNSFAS account.
  2. Click on “Track Funding Progress”.
  3. If rejected, click on “Submit Appeal”.
  4. Upload any missing or corrected documents.
  5. Provide a clear explanation or motivation.

📱 NSFAS Contact Information


📝 Final Tips Before Applying

  • Apply early to avoid system overload near the deadline.
  • Use your own email and cellphone number (do not use someone else’s).
  • Double-check that all your documents are certified and legible.
  • Keep a copy of your submission confirmation for reference.

By following this guide, you can confidently apply for NSFAS funding and move one step closer to achieving your academic and career dreams—without the burden of immediate financial pressure.