Is it better to resign or be dismissed?

Some suggest that the answer is obvious — quitting is better because then you won’t have a record of being fired. Who wants to say they got fired or terminated? And who wants to explain why they got fired?

I think what’s better is not so clear. Here are a few things to consider. (Please note that we’re assuming that if you got fired, it was not for truly egregious or illegal behavior.)

The sucker punch

Some companies that want to fire you will “give you the opportunity to resign instead,” implying they’re doing you a favor. It’s a common pitch offered by an HR manager. But it can be a sucker punch, especially if you’re losing the job through no fault of your own; for example, the company is experiencing a downturn.

In all of the 50 United States, if you quit your job you likely forego unemployment benefits because you chose to leave. When you quit, the employer saves money. According to NOLO, whether you can collect unemployment may depend on the reason you quit. (Unemployment Benefits: What If You Quit?) That can be a hefty price for quitting.

I might prefer to get fired if I have a choice, and that’s not just because I might lose unemployment benefits.

What’s on your record?

Many people shudder at the thought of having “fired” on their record. But that record is not public or easily accessed. An employer that fired you is usually loathe to disclose it during a reference check for fear of getting sued. So I’m not sure your record will be a problem.

However, if you got fired because you did something really bad, or because you did a truly lousy job, you have a very different problem — a bad reputation. A bad rep will grow and grow and follow you around. Employees with bad reps may not be exposed via formal reference checks, but back-channel chatter about them will likely circulate.

A badge of honor

Some employers are known to be terrible places to work. Getting fired can be a badge of honor. Emotionally, it might even be empowering. And it might even signal to a competitor that you’re a nice catch!

If you’re going to explain being fired, keep it brief and focus on what you can do to help the new employer — and why you are worth hiring. But don’t worry so much about getting fired. It’s not the end of the world.

Notice the time

If you get fired, your job is usually instantly over. If you quit, you likely are stuck with giving two weeks’ notice. Notice the difference. That’s time you could spend looking for a job you really want, or time on vacation to regroup. I’m not suggesting you go out of your way to get fired — but if you don’t really want to quit your job, don’t let getting fired scare you.

Legal recourse

If you quit a job, it’s your choice. If you are unwillingly terminated, you may have legal recourse. For example, the action may in fact have been discriminatory or it may have been done in violation of some law or written company policy.

If you’re going to get fired, consult an attorney. Know your rights. You might not have that option if you quit.

Why did you get fired?

People who get fired usually fear being asked why they left their last job. What if you have to admit you were fired

First, you don’t have to admit anything. (Of course, you should not lie. Declining to answer a question is not lying.) Why you left a job is private — and I think that’s a legitimate answer.

But, “Whoa, there!” an uninitiated and naive career coach will shout. “If you don’t answer the question, an employer will find it suspicious and reject you!”

It’s a matter of how good you are at declining to answer and shifting the discussion to what really matters. For example, your abilities and your references:

“I’d prefer to leave it at the fact that my employer and I parted company. You will find that my references are excellent. I’m here because I believe I can show you how I’d do this job more profitably for you than anyone else. Would you like me to show you how?”

Yes, they can reject you. But if you fear you’ll get rejected anyway because you were fired, why disclose it at all? Take your chances on a different approach! What really matters is whether you can prove that this employer needs you.

If you are a highly desirable hire, all kinds of factors can be put aside, including why you left your last job. So please hear me: What matters is demonstrating that the employer needs you. That’s the negotiating position you want to cultivate.

We’re all in the same boat

Now comes the fun part that frantic job seekers are too nervous to realize. The odds that the manager interviewing you has also been fired at some time are greater than zero. Most managers understand that getting fired doesn’t necessarily mean you did something wrong or that you failed at the job.

It might have been a poor match; the company might have experienced a downturn; there may have been a personality mismatch with the boss; or, the company that fired you might be — yes — inept.

So, politely ask the hiring manager, “Have you ever been fired?” If you’re afraid to ask that question, then you probably aren’t ready to have a job interview. This is a serious business exchange where you must ask questions as tough as the manager is asking you. Such a candid discussion can be a great way to break the ice and find common ground.

Whether you quit or get fired, check these tips about how to handle parting company with your employer: Quit, Fired, Downsized: Leave on your own terms.

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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.

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.

 

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