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

Maximum Level of Loan Amount and Life-time Loan Limit

  • Eligible students who apply for the NLSFT loans only, i.e. have not applied for assistance (i.e. grant and loan) under the TSFS or fail to obtain assistance under the TSFS, may receive loan up to the maximum amount of their tuition fees payable in the academic year. Students who receive financial assistance under the TSFS may be entitled to loan under the NLSFT up to the difference between the maximum financial assistance (i.e. actual tuition fees payable plus the maximum amounts of assistance for academic expenses and living expenses) under the TSFS and the amount of financial assistance they may receive under the TSFS, subject to the NLSFT loan maximum (equivalent to the tuition fees payable) not being exceeded. Read More
  • With effect from the 2012/13 academic year, a combined life-time loan limit is imposed on students eligible for receiving loans under the NLSFT and the Non-means-tested Loan Scheme for Post-secondary Students (NLSPS). The loan limit will be price-adjusted annually in accordance with the movement of the Composite Consumer Price Index. For the 2022/23 academic year, the combined life-time loan limit is HK$390,900.
  • Loan(s) disbursed from the 2012/13 academic year and onwards will be counted towards the combined life-time loan limit, which is not of revolving nature and will not be reset by any repayments.
  • Eligible students who have exhausted their combined life-time loan limit for studying courses for attaining their first degree-level study may apply to use up to HK$100,000 of their life-time loan limit under the ENLS. Such applications will be considered on a case-by-case basis. The SFO will consider factors such as whether the students are studying for their first degree-level study and the tuition fee level of the course, etc.
STEP 2 General Information

Responsibilities of Applicants & Indemnifiers