With UCAS you have 5 choices.
Birmingham cost £24k a yr today, 2yrs layers inflation will bring those numbers up. You are looking at sgd$150k. To be short if $60k, you have like sgd$90k already.
English speaking countries is naturally the only option.
With U.K., going to wales uni is often cheaper, going to Bangor could save you ~£10k in just fees
Outside U.K., oz/Canada/USA offer to option to take summer schools. You could shorten your degree by 6-12mths, saving on living expenses. Of course oz degree is 3 yrs not direct honors unlike U.K.
Mun cost cad$19k today or total of sgd$90k; if you choose to load up on credits you maybe spending sgd$70k. Which you can afford and leave today. They don't req A for admissions
Do well and you could be one of their many students who went on to oxford uni
Umn Morris is a LAC, cost a yr is usd$23k
Typical Private A level candidate wouldn't have great Os. It's Singapore after all Os is taken into consideration. Without great Os with great As the chances is very slim. You maybe the 1st but I have not come across any. I am sure our news will make such success stories very public.
Poly holders getting PSC scholarship or to medical path often appeared on papers. These poly holders opt to go poly despite having L1R5 of 6pts. If your Os like 10pts for L1R5 perhaps for overseas scholarship, if you going for Chinese degree you stand higher chance. You can always choose to break bond, no pt feeling terrified now. When you are offered with award and it's on your plate to decide then be terrified, now just too early