If you’re planning to study in 2026 and you live in South Africa, you’re probably already thinking about how to pay for your studies. Tuition fees are high, textbooks are expensive, and living costs can add up quickly. While some people rely on savings or credit cards to get by, bursaries are one of the best ways to cover your education costs without falling into debt.
In this guide, we’ll break down everything you need to know about bursaries for 2026 studies in South Africa, where to find them, and how to apply successfully. We’ll also touch on how to manage your money wisely if you do end up using credit cards alongside a bursary.
What Is a Bursary?
A bursary is basically free money for your studies. Unlike a loan or credit card debt, you don’t have to pay it back — as long as you meet the terms of the bursary. These terms can include maintaining good grades, studying in a certain field, or working for the company or organization that funded you after you graduate.
Bursaries are offered by:
- Government departments
- Private companies
- Non-profit organizations
- Universities and colleges
For example, companies like Eskom, Sasol, and Transnet offer bursaries for students in engineering, science, and other in-demand fields.
Why Choose a Bursary Over Credit Cards?
While credit cards can be useful for emergencies, relying on them to pay for tuition can lead to serious debt. Interest rates on credit cards in South Africa can be very high, and paying only the minimum balance means you might be paying off your studies for years after graduation.
Bursaries, on the other hand, give you a clean start after graduating — no bills, no interest, and no stress about repayments.
Where to Find Bursaries for 2026
If you want to apply for bursaries in 2026, the best time to start is now. Many bursary applications open a year before the academic year starts. Here are some great places to look:
- Bursaries Mzansi – bursariesmzansi.co.za is a great platform that lists different bursaries available in South Africa. You can search by field of study, province, or company.
- Career Portal SA – They also post updated bursary lists and application deadlines.
- University Websites – Most universities have a financial aid section where they post bursaries and scholarships available to their students.
- Department of Higher Education and Training – The DHET often updates information on government funding opportunities.
How to Apply for a Bursary in South Africa
Here’s a simple step-by-step process:
- Find the right bursary – Match your field of study and qualifications to the bursary requirements.
- Read the requirements carefully – Missing a small detail can get your application rejected.
- Prepare your documents – These usually include:
- Certified copy of your ID
- Academic transcripts or latest results
- Proof of residence
- Motivation letter or personal statement
- Submit before the deadline – Late applications are usually not accepted.
- Follow up – If you don’t hear back after the application period, contact the bursary provider to check the status.
Tips for Increasing Your Chances
- Apply for more than one bursary — don’t put all your hopes on one application.
- Write a strong motivation letter — explain why you need the bursary and how you’ll use it to make a difference.
- Keep your grades up — most bursaries are based on academic performance.
- Stay organized — keep track of deadlines in a calendar or notebook.
Balancing Bursaries and Credit Cards
Sometimes, even if you get a bursary, it might not cover all your expenses. This is where credit cards can come in handy — but only if you use them wisely. For example:
- Use your credit card for emergencies only, like a laptop repair or urgent travel.
- Pay your balance in full every month to avoid high interest charges.
- Avoid using credit cards for luxury purchases when you’re a student.
Remember, a bursary can take care of most of your tuition and books, and your credit card can help with small gaps — as long as you manage it responsibly.
Final Thoughts
Bursaries are a fantastic way to fund your studies without getting into debt. Whether you’re studying engineering, teaching, nursing, or any other field, there’s probably a bursary out there for you. Start searching now, check out Bursaries Mzansi for updated opportunities, and apply to as many as you qualify for.
If you need extra help covering costs, use credit cards carefully to avoid falling into a debt trap. Your goal should be to graduate debt-free and ready to start your career without financial stress.
For more tips on bursaries and student funding, also visit:
Good luck with your 2026 applications — your future starts now!
