The Carlsberg Hua Zong Education Fund (CEF) Study Loan is open to all Malaysian citizens who are enrolled in local or foreign institutions of higher learning hold certificates in UEC, SPM or STPM; Diplomas; and/or any higher certificates; and are ambitious, enthusiastic and responsible. For more information please log on to www.carlsbergeducationfund.com.my. The closing date is July 17.

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