{"id":12496,"date":"2021-07-28T08:53:08","date_gmt":"2021-07-28T00:53:08","guid":{"rendered":"https:\/\/www.hkmu.edu.hk\/sao\/financial-assistance\/full-time-students\/financial-assistance-supported-by-the-government\/non-means-tested-loan-scheme-for-post-secondary-students-nlsps\/"},"modified":"2026-05-06T12:39:32","modified_gmt":"2026-05-06T04:39:32","slug":"ft-nlsps","status":"publish","type":"page","link":"https:\/\/www.hkmu.edu.hk\/sao\/fa\/ft-nlsps\/","title":{"rendered":"Non-means-tested Loan Scheme for Post-secondary Students (NLSPS)"},"content":{"rendered":"\t\t
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The Non-means-tested Loan Scheme for Post-secondary Students (NLSPS) is administered by the Student Finance Office (SFO) under the Working Family and Student Financial Assistance Agency (WFSFAA). This scheme is used to complement the Financial Assistance Scheme for Post-Secondary Students (FASP) to provide non-means-tested loan(s) to eligible students to settle tuition fees.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Eligibility<\/span><\/i><\/div>

  1. Applicants must be engaged in full-time locally-accredited self-financing post-secondary education programmes at sub-degree (i.e. associate degree or higher diploma) or degree level (please refer to the Course Coding Sheet<\/a>\u00a0which lists out the programmes covered under NLSPS and their course codes); and<\/li>
  2. Applicants must have the right of abode in the Hong Kong Special Administrative Region (Hong Kong) or have resided or have had their homes in Hong Kong continuously for three complete years prior to the commencement of the course. This does not cover students holding:
    1. student visas\/entry permits;<\/li>
    2. visas\/entry permits under the Immigration Arrangements for Non-local Graduates; or<\/li>
    3. dependant visas\/entry permits which were issued to them by the Director of Immigration when they were 18 years old or above.<\/li><\/ol><\/li><\/ol><\/p><\/div>\n <\/div>
      \n
      Level of Assistance, Interest and Administrative Fee<\/span><\/i><\/div>

      Maximum Level of Loan Amount and Life-time Loan Limit<\/u><\/strong><\/p>

      1. If applicants apply for the NLSPS only, i.e. have not applied for \/ have failed to obtain any financial assistance under the FASP, the maximum amount of loan you may receive under the NLSPS is the annual tuition fees payable for the course under application.<\/li>
      2. The combined life-time loan limit under the NLSPS and the Non-means-tested Loan Scheme for Full-time Tertiary Students (NLSFT) for the 2025\/26 Academic Year (AY) is HK$413,600.<\/li><\/ol>

        Interest and Administrative Fee<\/u><\/strong><\/p>

        1. The NLSPS operates on a full-cost recovery basis. Please refer to the\u00a0SFO's webpage<\/a>\u00a0for the prevailing NLSPS interest rate.<\/li>
        2. An administrative fee, to cover the full costs of processing and administering the NLSPS loan, is chargeable for each application and each loan account upon submission of 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.<\/li>
        3. The administrative fee payable in AY 2026\/27 for applicants of the NLSPS is HK$285.<\/li><\/ol><\/p><\/div>\n <\/div>
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          How to Apply<\/span><\/i><\/div>

          1. All applications should be submitted through \"eWFSFAA<\/a>\" before the\u00a0application deadline<\/a>.<\/li>
          2. Please refer to the Application Guidance Notes [NLSPS\/1B (2026)]<\/a>\u00a0for details of completing and submitting the online application form.<\/li>
          3. Applicants should submit the duly signed declaration (for paper signing) with photocopies of\u00a0supporting documents<\/a>\u00a0within seven days<\/strong>\u00a0from the date of submission of online application form.<\/li><\/ol><\/p><\/div>\n <\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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            Enquiries<\/strong>
            Government's Student Finance Office under the Working Family and Student Financial Assistance Agency
            Website:\u00a0https:\/\/www.wfsfaa.gov.hk\/sfo\/en\/postsecondary\/nlsps\/overview.htm<\/a>
            Address: 12\/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon
            Tel: 2150-6222 (During office hours) \/ 2802-2345 (24-hour hotline)
            Fax: 3101-1908
            E-mail Address:\u00a0            wg_sfo@wfsfaa.gov.hk<\/a><\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

            The Non-means-tested Loan Scheme for Post-secondary Students (NLSPS) is administered by the Student Finance Office (SFO) under the Working Family and Student Financial Assistance Agency (WFSFAA). This scheme is used to complement the Financial Assistance Scheme for Post-Secondary Students (FASP) to provide non-means-tested loan(s) to eligible students to settle tuition fees. EligibilityApplicants must be engaged...<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":13002,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"content_default_2.php","meta":{"_expiration-date-status":"","_expiration-date":0,"_expiration-date-type":"","_expiration-date-categories":[],"_expiration-date-options":[]},"yoast_head":"\nNon-means-tested Loan Scheme for Post-secondary Students (NLSPS) - Student Affairs Office - Hong Kong Metropolitan University<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hkmu.edu.hk\/sao\/fa\/ft-nlsps\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Non-means-tested Loan Scheme for Post-secondary Students (NLSPS)\" \/>\n<meta property=\"og:description\" content=\"The Non-means-tested Loan Scheme for Post-secondary Students (NLSPS) is administered by the Student Finance Office (SFO) under the Working Family and\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.hkmu.edu.hk\/sao\/fa\/ft-nlsps\/\" \/>\n<meta property=\"og:site_name\" content=\"Student Affairs Office - 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