Non-means-tested Loan Scheme for Full-time Tertiary Students (NLSFT)

An administrative fee is chargeable for each application and each loan account in every academic year to recover the full costs of processing the applications and administering the NLSFT. It is chargeable upon submission of application and annually thereafter until the NLSFT loan and interest accrued thereon are fully repaid. Please refer to "Interest and Administrative Fee" for details.

Please refer to the "Points to Note for Paying Administrative Fee" on the methods to pay the administrative fee.

Please complete and submit the NLSFT application through the "SFO E-link - My Applications" online platform via "eWFSFAA". Please submit the duly signed "Declaration Form" (if choosing to sign on paper) and the required supporting documents (if any) to the Student Finance Office within seven calendar days from the date of submission of the application. Please refer to "Application Procedures" for details.

Please submit the duly signed "Declaration Form" (if choosing to sign on paper) and the required supporting documents (if any) within seven calendar days from the date of submission of the application, through one of the following means:

• through online upload ;
• by mail to the Student Finance Office (SFO) at the following address -
  Student Finance Office,
  Working Family and Student Financial Assistance Agency,
  Room 1204, 12/F, Cheung Sha Wan Government Offices,
  303 Cheung Sha Wan Road, Kowloon
  (Attn.: NLSFT APU); or

  Remarks: For proper delivery of the mail items to the SFO, and to avoid unnecessary delivery delay or unsuccessful delivery, please ensure that the mail items bear sufficient postage with return address before mailing.

• by using the SFO drop-in boxes located on 11/F (during office hours) or in the G/F lift lobby (outside office hours) of the Cheung Sha Wan Government Offices (CSWGOs). The SFO’s office hours are 8:45 a.m. to 1:00 p.m. and 2:00 p.m. to 5:45 p.m. from Monday to Friday, except public holidays. Please enter the CSWGOs through the side entrance near the security counter outside office hours.

Note: Some of the institutions may arrange additional channels for collection of the "Declaration Form" and supporting documents. Applicants should refer to the announcements of the respective institutions for the relevant arrangement.

All supporting documents submitted are not returnable. Applicants are advised to retain a paper copy or computer backup for own reference.

After receiving the "NLSFT Notification of Result" or the "TSFS Notification of Result", applicants must submit the full set of duly completed loan documents and other required supporting documents to the Student Finance Office on or before the deadline as specified in the respective Notification. Please refer to "Acceptance of Loan" for details.

Please note that applicants should only submit the loan documents after the application is approved and the "NLSFT Notification of Result" or the "TSFS Notification of Result" is received. Loan documents submitted before the issuance date of the relevant Notification will not be accepted.

The NLSFT loan will be disbursed directly to the respective institutions by instalment(s) to settle the tuition fees, subject to successful submission of the full set of duly completed loan documents and other required supporting documents by applicants. Please refer to "Loan Disbursement Arrangements" for details.

To be acceptable as an indemnifier, a person must be:

• a Hong Kong resident holding a Hong Kong Permanent Identity Card;
• at or over 21 years of age;
• gainfully employed in Hong Kong and financially sound. Persons who are not gainfully employed (e.g. retired persons, housewives, etc.), those without regular income and/or income proof (e.g. casual workers, etc.) and students are not acceptable; and
• able to produce the required documentary evidence.

For details, please refer to paragraphs 18-21 of the "Notice of Offer of Loan" (NLSFT 12) enclosed in the loan documents.

To be acceptable as a witness, a person must be:

• a Hong Kong resident holding a Hong Kong Permanent Identity Card; and
• at or over 18 years of age.

Please note that the applicant is not acceptable to act as the witness of his/her "Undertaking" (NLSFT 15) and the corresponding "Deed of Indemnity" (NLSFT 16). Indemnifier is not acceptable to act as the witness of his/her "Deed of Indemnity" (NLSFT 16) and the corresponding "Undertaking" (NLSFT 15).

For details, please refer to paragraphs 22-24 of the "Notice of Offer of Loan" (NLSFT 12) enclosed in the loan documents.