Here is the reply of Smilehoe, a senior Recommer to me due to my dilemma at my previous post, and I think it is worthwhile for me to post it up here to be shared with everyone due to its great and effective information to me. He's an actuarial student in UM(University of Malaya) and here it goes: Hi Nicholasng925, First of all, I think that the effort you put in considering and researching on actuarial science is impressive. I didn't know as much as you do while I was at your place. I'm not an engineering student so my advice would be lopsided, do take it at face value and make your own judgement. We will talk about a few scenarios, Case 1, No A-levels, I think alternatives are pretty limited. Form 6, A-levels or other Pre-U courses at more affordable institutions. You can again aim towards Act.Sc. while doing those courses. Case 2, A-levels or other Pre-U, but no scholarship for overseas degree As you have mentioned, NTU and NUS are good alternative...