One of the rules state that when there is not enough money in
your Edusave, CPF will be used. No such thing as partial. Not
enough, automatically CPF will be used.
Repayment for CPF is 1 year after you graduate or after you quit
school, at least $100 per month in cash plus interest for a maximum
of 10 years. Never pay, warnings. After that, see you in court.