You're about to make a $500,000 decision that will change the next 10 years of your life.

Should you take a scholarship to go to university, or should you find another way?

The three of us co-authors of the Singapore Scholarship Guide: The $500,000 Decision have been there, done that. We want to help you make a better-informed decision.

This guide is not about gaming the system. It is not about what tactics you should use in order to land a scholarship. It is also not about bashing or promoting the scholarship system.

We know many scholars who wished they had known more about the future they were signing up for when they took scholarships.

So here is our advice. Here are our stories.

About the co-authors


Daniel Wong
Facebook page |

Daniel is a writer, speaker and coach, and he is the bestselling author of The Happy Student: 5 Steps to Academic Fulfillment and Success. He is currently serving his scholarship bond with Singapore Airlines as a Project Engineer. He graduated from Duke University with a double major in Mechanical Engineering and Economics. 


Ailian Gan
@ailiangan |

Ailian is a Product Manager for a Silicon Valley internet startup. She had a scholarship from the Monetary Authority of Singapore and broke her bond. She graduated from Duke University with degrees in Economics and Public Policy, and has an MBA from The Wharton School, University of Pennsylvania. 


Kwa Chin Lum 

Chin Lum is the Head of the Centre for Strategic Futures at the Public Service Division. He has completed his bond with the Public Service Commission as an Overseas Merit (Open) Scholar and is continuing in his job. He graduated from Stanford University with degrees in Civil & Environmental Engineering and Economics, as well as a Master's in Financial Mathematics.