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

Overview

The Non-means-tested Loan Scheme for Full-time Tertiary Students (NLSFT) is to complement the Tertiary Student Finance Scheme – Publicly-funded Programmes (TSFS) to provide loans to eligible students to settle tuition fees of recognised full-time study courses.

Maximum Level of Loan Amount and Life-time Loan Limit

Maximum Level of Loan Amount
Maximum Level of Loan Amount
Apply for the NLSFT only
(i.e. have not applied for the Tertiary Student Finance Scheme - Publicly-funded Programmes (TSFS) or have failed to obtain assistance under the TSFS)
"Total annual tuition fees payable in the academic year"
Apply for both the TSFS and the NLSFT "Actual tuition fees payable plus the maximum amounts of assistance for academic expenses and living expenses under the TSFS" – "The amount of financial assistance receivable under the TSFS", capped at the tuition fees payable
  • If students would like to apply for both the TSFS and the NLSFT, please use the "Calculator" to estimate the loan amount they may receive under the NLSFT.


Life-time Loan Limit
  • 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). Such limit is set at HK$398,300 for the 2023/24 academic year.

  • 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 Extended Non-means-tested Loan Scheme (ENLS).