Non-means-tested Loan Scheme for Post-secondary Students (NLSPS)
The maximum level of financial assistance for students who apply for the NLSPS only is applicants’ tuition fee payable for the 2020/21 academic year. Please refer to the details of the Scheme which is administered by the Student Finance Office (SFO) of the Government.
You may be eligible to apply for an NLSPS loan to cover your tuition fees payable in the 2020/21 academic year if you:
are registered as a full-time student engaged in a locally-accredited# self-financing post-secondary education programme at sub-degree (i.e. associate degree or higher diploma) or degree level; and
have the right of abode in the Hong Kong Special Administrative Region (Hong Kong) or have resided or have had your home in Hong Kong continuously for 3 complete years immediately prior to the commencement of the course. This does not cover students staying in Hong Kong holding student visas.
Interest and Administrative Fee
The NLSPS operates on a full-cost recovery basis. Interest is charged at the prevailing NLSPS interest rate once the loan is drawn down and throughout the repayment period until the NLSPS loan is fully repaid. Please refer to the Homepage of NLSPS Administrative Fee and Interest Rate for the prevailing NLSPS interest rate.
An administrative fee, to cover the full costs of processing and administering the NLSPS loan, is chargeable for each application and loan account. Administrative fee is chargeable as from the submission of the first application and annually thereafter until the NLSPS loan and the interest accrued thereon are fully repaid. Administrative fee will be charged on each loan account on an academic year basis. The administrative fee payable in the 2020/21 academic year for applicants of the NLSPS is HK$180.
You will be required to repay your NLSPS loan and the interest accrued thereon in 15 years (Repayment Period) by 180 equal monthly installments, or in a shorter Repayment Period by equal monthly installments as agreed by the SFO, upon
termination of studies; or
lapse of 6 years from the first disbursement of the NLSPS loan, whichever is the earliest, until it is repaid in full.
whichever is the earliest, until it is repaid in full.
Submit Application (for 2020/21 academic year)
You can submit online application via "SFO E-link - My Applications" (http://ess.wfsfaa.gov.hk) starting from 4 May 2020. After submitting online application form, you must submit the signed declaration and the required supporting documents to the SFO within 7 days. Please note that you have to fill in the corresponding SFO Course Code with reference to the Course Coding Sheet at the Student Finance Office's website.
Deadline for Application:
Continuing Students: 26 June 2020 (Fri)
New Students: To be announced later
Please click here for the Frequently Asked Questions and Answers.
The Guidance Note and details of application submittion through on-line upload for NLSPS are available at the Student Finance Office's homepage. Should you have any questions about the scheme, you may contact the Student Finance Office at 2150-6222 (during office hours)/ 2802-2345 (24 hours), address: Non-means-tested Loan Scheme for Post-secondary, Students – Application Processing Unit, 12/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon; or the Student Affairs Office (Tel: 2768-6636/ 2768-6730; Email: firstname.lastname@example.org).
# Locally-accredited programmes refer to those included in the "Register of Locally-accredited Programmes" recognized by the Secretary for Education. For the 2019/20 academic year, only programmes which have been included in the Register on or before 31 December 2019 will be covered by NLSPS. Please refer to the Course Coding Sheet which lists out the programmes covered under NLSPS and their course codes. Please approach the relevant institutions for more information about the programmes. You may also visit the Information Portal for Accredited Post-secondary Programmes.
Maintained by: Student Affairs Office( email@example.com )
Modified Date: May 04, 2020