Non-means-tested Loan Scheme for Post-secondary Students (NLSPS)

Overview

The Non-means-tested Loan Scheme for Post-secondary Students (NLSPS) is to complement the Financial Assistance Scheme for Post-secondary Students (FASP) to provide loans to eligible students to settle tuition fees of locally-accredited, self-financing full-time programmes at the level of associate degree, higher diploma or degree.

Links, Forms and Download

Online Application

eWFSFAA

With effect from 17 January 2026, "eWFSFAA" online platform will cease to accept online applications for NLSPS for the 2025/26 academic year. All incomplete online applications in the online platform will be automatically deleted after 16 January 2026.

SFO E-Link - Partial / Lump Sum Repayment Request

Guidance & Information
Document Number Document Name Paper-base Document
NLSPS/1B  1. NLSPS Guidance Notes Paper-base Document
- 2. Supplementary Guidance Notes for FASP and NLSPS for 2025/26 (Only applicable to students taking Distance-learning Programmes of the Hong Kong Metropolitan University) Paper-base Document
- 3. Points to Note for Paying Administrative Fee Paper-base Document
NLSPS_SD_E 4. Checklist of Supporting Documents Paper-base Document
SFO/PFM 1 (Rev. 12/2023) 5. "Borrow wisely and manage your finances prudently" Leaflet Paper-base Document
SFO/PFM 2 (Rev. 12/2023) 6. "Default on your loan. A legal plight on your own" Leaflet Paper-base Document
SFO/PFM 3 (Rev. 12/2023) 7. "Learn to manage money before it manages you" Leaflet Paper-base Document
SFO/PFM 4 (Rev. 12/2023) 8. "Don't evade loan obligation. Face consequences with resolution" Leaflet Paper-base Document
Application related Forms
Document Number Document Name Paper-base Application Electronic Application
NLSPS/WD/E 1. Request for Withdrawal of Application for NLSPS (Only applicable to applicants who have not submitted the loan documents) Paper-base Application -
NLSPS 1672. Request for Cancellation of Disbursement of NLSPS Loan (Only applicable to loan borrowers who have submitted the loan documents) Paper-base Application Electronic Application
NLSPS 166 3. Application Form for Accepting the Remaining NLSPS Loan Amount Paper-base Application Electronic Application
Change of Information
Document Number Document Name Paper-base Application Electronic Application
FASP/C/1A  1. Notification of Change of Applicant’s Personal Particulars Paper-base Application Electronic Application
FASP/C/1B  2. Notification of Change of Institution / Course Data Paper-base Application Electronic Application
FASP/IDM/INFO/E 3. Notification of Change of Indemnifier's Personal Particulars Paper-base Application Electronic Application
Loan Documents

(Remarks: Loan documents submitted before issuance of the "Notification of Result" will not be accepted.)

Document Number Document Name Paper-base Application Electronic Application
-
1.
Full set of Loan Documents for the 2025/26 academic year (including the following documents)
Paper-base Application -
SFO 160 (2025)
a. 
Notice of Offer of Loan
- -
SFO 161 (2025)
b. 
Undertaking (E-fillable Form)
- -
SFO 162 (2025)
c. 
Deed of Indemnity (E-fillable Form)
- -
SFO 163A / 163B (2025)
d. 
Student, Indemnifier and Witness Details Input Form A and B (E-fillable Form)
- -
SFO 165 (2025)
e. 
Checklist for Submission of Loan Documents
- -
-
f. 
Points to Note for Paying Administrative Fee
- -
-
g. 
"SFO E-link – My Bills" Service Registration Guidelines
(Only applicable to applicants who are subject to such requirement as specified by the Student Finance Office (SFO) in the "Notification of Result")
- -
Loan Repayment
Document Number Document Name Paper-base Application Electronic Application
-
1.

Application for deferment of loan repayment

a. All loan account(s) under application without overdue instalment or with one overdue quarterly instalment / five or less consecutive overdue monthly instalments:

SFO 102E (Rev. 2025)
  i. 
(For financial hardship/serious illness)
Paper-base Application Electronic Application
SFO 101E (Rev. 2025)
  ii. 
(For further full-time study)
Paper-base Application Electronic Application
b.
Others:
SFO 102E_dfa (Rev. 2025)
  i. 
(For financial hardship/illness)
Paper-base Application Electronic Application
SFO 101E_dfa (Rev. 2025)
  ii. 
(For full-time studies)
Paper-base Application Electronic Application
SFO 186E 2. Early Partial / Lump Sum Repayment of Loan under Non-means-tested Loan Scheme (NLS) Paper-base Application Electronic Application
SFO 279_E 3. Restructuring Repayment Period of Loan under Non-means-tested Loan Scheme (NLS) Paper-base Application -
SFO 96 4. Student Loan Repayment: Notification of Change of Correspondence Address and / or Telephone Number(s) Paper-base Application Electronic Application
SFO 311 5. Reply form for choosing not to defer loan repayment - Electronic Application
SFO 303E 6. Notification of Change of Study Status (Only applicable to student loan borrower whose loan(s) has been paid) Paper-base Application Electronic Application