I would encourage you to accept NTU offer if you can afford. If not, you can get tuition loan + tuition grant, which will make it a lot more affordable. The tertiary education exposure you get in Singapore will define you as a person as well as broaden your perspective. I'm sure that you will learn and benefit more from the enriching experience in Singapore.

I will go for NTU. There are so many opportunities you can explore there. Aim to develop your abilities in different areas there. publish and present papers even as an undergraduate. get contacts from visiting professors from world renowed universities. express interests in their post graduate programs. apply for NTU-MIT program or even MIT itself. apply for jobs in US after your 3 year bond etc..

please do not fell restricted by the financial burdens and 3 year bond. these are only little hurdles that stop people from advancing in the race. you have in fact overcome the greatest hurdle, ie getting admission. appreciate the opportunity given to you and begin your journey in NTU this coming August!

I also picked NTU over USM(Offer me my 1st choice) in this coming August intake and with TFL + NTU Study loan + Kuok Foundation(But not sure yet, results should be out soon) = I supposed my parents do not need to pay a single cents for my study+living, my family can't really support me fully, house sold, now living in a rental small apartment where my brother has to sleep in the living room...but my dad call me go over Singapore and take the risk

But I think most of Malaysians who study there also will have such problems since the currency exchange rate for SGD is so high and I was like initially scare of burdens for myself and my family and how am I gonna repay all the loans...then my dad sorta gimme a talk say "u r still young and i think u should take the risk and when u work tere(which i have to look for due to 3 year bonds) i believe you can pay back all your loans pretty fast" @@