Miway

MiWay Insurance has redefined the insurance landscape in South Africa, being the first direct insurer to offer short-term insurance policies that can be purchased and administered online. Launched in 2008 as a collaborative initiative between Santam, Sanlam, and PSG, MiWay has revolutionized how South Africans access and manage their insurance needs.

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Save with MiWay’s Online Insurance

MiWay is not just about convenience—it’s about giving you the power to save. Here are some ways to live your way while enjoying comprehensive coverage:

  • Compare Quotes: MiWay allows you to compare multiple car and home insurance quotes in one convenient basket through MiXpress.
  • Online Savings: Buy your insurance online and enjoy significant savings compared to traditional methods.
  • Self-Management: You can update your personal details, amend your policy, or download your insurance documents online—no need to speak with an agent.
  • Digital Claims: Submit your claims online, allowing for quick and easy processing, which means you can get back to what matters most in no time.

MiWay’s Commitment to Customer Experience

At MiWay, customer satisfaction is not just a goal—it’s an obsession. Their fanatical commitment to delivering an outstanding customer experience is what sets them apart from other insurance providers. They ensure that they always keep their promises, delivering excellent service and transparency throughout the entire customer journey.

MiWay even offers an open platform where customers can share their experiences—good or bad—on the company’s website. This dedication to open communication ensures that clients receive the best service possible, with real-time feedback contributing to their continuous improvement.

A Trusted Name with Strong Backing

MiWay’s major shareholder is Santam, a JSE-listed, blue-chip company that brings substantial financial strength and credibility to the brand. This strong backing provides MiWay with the financial muscle needed to support its mission of delivering superior products and services.

MiWay’s Vision and Purpose

At its core, MiWay’s vision is to establish a world-class financial services business that prioritizes:

  • Offering customers excellent service and superior value products.
  • Generating strong returns for its shareholders.
  • Being an employer of choice.
  • Playing a meaningful role in transforming South Africa’s financial services industry.

MiWay’s purpose is centered around enabling customers to live their lives on their own terms. By harnessing technology and innovation, MiWay simplifies the insurance process, giving clients more time to focus on what they love.

Contact MiWay

For more information or assistance, you can reach MiWay at:

Phone: 0860 64 64 64
Emergency Assistance: 0860 07 67 64 (available 24/7)
Fraud Hotline: 0860 004 007

Physical Address:
48 Sterling Road, Kosmosdal Ext 12, Centurion, 0157

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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.