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





You may apply for the NLSPS loan in 2019/20 if you:

(1) are a registered full-time student engaged in full-time locally-accredited self-financing post-secondary education programmes at sub-degree (i.e. associate degree, higher diploma and / or professional diploma) level or degree level;
(2) 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*

(Remarks: This does not cover students holding –
  • student visas/entry permits;
  • visas /entry permits under the Immigration Arrangements for Non-local Graduates; or
  • dependant visas/entry permits which were issued to them by the Director of Immigration when they were 18 years old or above.)
*If you do not have the right of abode in Hong Kong (without the alphabet "A" beneath the Date of Birth field of the Hong Kong Identity Card), you should also provide a copy of your entry permits to Hong Kong, e.g. one-way permit/dependant visa, etc., with yourir applications.

Your eligibility is restricted to any one eligible full-time course in any particular academic year.
Even if you are eligible under the above circumstances, the Controller of the Student Finance Office (SFO) reserves the right to require you to submit supplementary documents/information on individual merits; and the final approval of your NLSPS application will still rest with the Controller of SFO.
If you and / or your indemnifier has / have any arrears of grant(s) and / or loan(s) under any financial assistance/loan scheme(s) administered by the SFO, the Controller of SFO reserves the right to withhold processing of your application(s) for loan(s) or release of loan(s).

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Details and Enquiries

For details of the NLSPS, please visit the Student Finance Office (SFO) of the Working Family and Student Financial Assistance Agency (WFSFAA) homepage at

 SFO YouTube Channel for introduction of FASP & NLSPS

For enquiries (e.g. check progress of your application), you may contact the SFO by mail, fax, email or phone call.

Address : Room 1204, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon (near Exit C1 of Shamshuipo MTR station), Kowloon

Office hours : Mon - Fri 8:45 a.m. to 1:00 p.m. and 2:00 p.m. to 5:45 p.m.; except Public Holidays

24-hour automated enquiry hotline : 2802 2345

NLSPS enquiry number during office hours : 2150 6222 (Application Processing Unit); 3755 3155 (Calculaton and Notification Unit); 3102 3027 / 3102 3026 (Payment Unit)

NLSPS fax number : 3101 1908 (Application Processing Unit); 2157 9532 (Calculation & Notification Unit); 2511 2657 (Payment Unit)

E-mail address :

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Maximum Level of Financial Assistance under the NLSPS

(1) Students who apply for the NLSPS only, i.e. have not applied for assistance under the FASP or fail to obtain assistance under the FASP, may receive loan(s) up to the annual tuition fees payable for the course under application.
(2) If you apply for financial assistance under both the FASP and the NLSPS, the maximum financial assistance you may receive under these two schemes is capped at the annual tuition fees payable for the course under application, plus the maximum amount of academic expenses grant HK$5,810 and living expenses loan  HK$51,470 of FASP in the 2019/20 academic year.  If you obtain financial assistance under the FASP, the maximum amount of NLSPS loan will be up to the difference between the amount of financial assistance you may receive under the FASP and the maximum financial assistance you may receive under these two schemes, subject to the NLSPS loan maximum (equivalent to the tuition fees payable) not being exceeded.
(3) 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 NLSPS (i.e. students taking programmes covered by the TSFS and FASP).  For 2019/20 academic year, the combined life-time loan limit is HK$372,700 and will be price-adjusted annually thereafter in accordance with the Composite Consumer Price Index.
(4) 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.
(5) Eligible students who have exhausted the life-time loan limit for studying programmes 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 (applicable to students not covered under TSFS or FASP and pursuing specific part-time and full-time post-secondary and continuing and professional education courses in Hong Kong). 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. 

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Current Interest Rate

Please refer to on the Government's webpage for the prevailing NLSPS interest rate.

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2019/20 PolyU Programmes under the NLSPS

If you are local full-time student enrolling in one of the following PolyU Programmes in the coming year of 2019/20, you may be eligible to apply for NLSPS.

For completion of the NLSPS application form, please refer to the Course Coding sheet (Top-up Degree Programmes)

Top-up degree *  24460
Bachelor of Science (Honours) in Hotel Management
Bachelor of Science (Honours) in Tourism Management
  Bachelor of Science (Honours) in Convention and Event Management   
If you are not sure how many paid credits you will take in 2019/20, please clarify with your Department before submitting the e-application.

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2019/20 Application Procedures

"Learn to Manage Money Before It Manages You- Think twice about your repayment ability before you apply for any loan.

Eligible applicants can submit online application for the 2019/20 “Non-means-tested Loan Scheme for Post-secondary Students (NLSPS)” via the online platform “SFO E-link – My Applications” ( until it is not accepted.  

(1) Read the Guidance Notes and online demonstration which can be found on the “SFO E-link – My Applications” (;
(2) Submit online application via “SFO E-link – My Applications” (;
(3) Submit the signed declaration and  required supporting documents (including copy of proof for the $180 administration fee) to the SFO within 7 days by one of the following methods:
1. by online upload via “SFO E-link – My Applications” (; (PDF or JPEG format, max capacity 6MB); or
by post or by hand to the Student Finance Office (SFO) - Room 1204, 12/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon (Attn : NLSPS APU).
(Underpaid mail items will not be accepted. If you submit your supplementary information by post, please ensure sufficient postage is paid and provide a return address on the back of the envelope. Otherwise, your mail may not be delivered to the SFO. For details and calculation of postage rates, please visit the Hong Kong Post’s website:
(4) after initial checking of your information provided, the SFO would issue an "Acknowledgement of Receipt of Application" within 2 to 3 weeks;
(5) if your information and documents provided are complete, you will then receive the "Notification of Result" within the coming 3 weeks;
(6) download & fill in the loan documents and return the complete set of required documents together with the original copy of receipt of the paid administrative fee to the SFO before the deadline shown on the result letter and successful register for  “SFO E-link – My Bills” service. Late submission may lead to delay in loan disbursement;
(7) your borrowed NLSPS loan will normally be credited to your bank account filled in the NLSPS application form by two equal instalments through the government’s Treasury*, if applicable. The first instalment will be released within 4 weeks from the deadline for return of the loan documents. The second instalment (covering the remaining balance) may be paid in March 2020, after the re-confirmation of your tuition fee level for the whole year; and
  * If you and/or your indemnifier has/have any arrears of grant(s) and/or loan(s) under any financial assistance/loan scheme(s) administered by the SFO, the Controller of SFO reserves the right to withhold processing of your application(s) or release of loan(s)
(8) after the disbursement of the NLSPS loan to your bank account has been arranged, the SFO will issue a "Remittance Advice" to you stipulating the amount and date of the NLSPS loan to be disbursed (=loan drawn down date).

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2019/20 Application Period

You may submit online application via "SFO E-link - My Applications" (  After submitting online application form, you must submit the signed declaration and the required supporting documents to the SFO within 7 days.  The official application deadline is 14 June 2019 (Friday).

Late submission after the official deadline

Eligible applicant can submit late application via "SFO E-link - My applications" ( as soon as possible.  Late application may lead to late release of loan.  Also, the SFO will accord priority to those applications with complete information submitted on or before the deadline

Neither your application nor the approval for an NLSPS loan carries any implications that the payment due date of your tuition fee has been or will be deferred by PolyU. It is your own responsibility to ensure that you are able to settle your tuition fee on or before the payment deadline. 

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General Enquiries

For assistance from the Centre STARS, please contact : Room QT308, 3/F (Entrance at Core T)
The Hong Kong Polytechnic University
Tel. : 3400 3764
Email :







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