Malaysia is this thing called PTPTN which is a Government higher education loan scheme and many other scholarships offered by private universities and companies. Best part is if you get very good results, the loan can be converted to full scholarship. Loans are to be repaid only when you started working at very low interests. It is applicable for local as well as overseas education. Those days there's a racial quota for the Government loans but these days it is open to all.
Dun think we hv these loans for overseas univ in SG ...