Extended Non-means-tested Loan Scheme (ENLS)

Please ensure that you have read the Guidance Notes and fully understood the terms and conditions of the ENLS loans and undertake to abide by these stipulated terms and conditions before applying for and accepting the ENLS loans in the 2022/23 academic year.

The maximum amount of loan you may borrow is the total tuition fee(s) payable in the 2022/23 academic year provided that the amount should not exceed an aggregate of 12 months' tuition fee(s) payable and the life-time loan limit or its remaining balance stipulated below.
With effect from the 2012/13 academic year, a life-time loan limit is imposed on each student eligible for receiving loans under the ENLS. The life-time loan limit for the 2022/23 academic year is HK$390,900 and will be price-adjusted annually thereafter in accordance with the Composite Consumer Price Index.
Loan(s) disbursed from the 2012/13 academic year and onwards will be counted towards the life-time loan limit, which is not of revolving nature and will not be reset by any repayments. Eligible student may borrow a loan amount up to the total tuition fee(s) payable above, subject to the life-time loan limit or its remaining balance (calculated as at the date of approval of the loan application) not being exceeded. Once you have exhausted the life-time loan limit or its remaining balance, the SFO will not consider your loan application(s).

Please refer to "What's New" on the Government's webpage for the prevailing ENLS interest rate.

For details, please refer to the Student Finance Office (SFO)'s homepage at:

https://www.wfsfaa.gov.hk/sfo/en/postsecondary/enls/overview.htm.

For enquiries, you may wish to contact the SFO:

Address: 11/F, Cheung Sha Wan Government Offices, 303 Cheung Sha Wan Road, Kowloon (near C1 exit of the Shamshuipo MTR station)

Office hours: Mon - Fri 8.45 am to 1 pm and 2 pm to 5.45 pm; except public holidays

24-hour automated enquiry hotline: 2802 2345

ENLS enquiry number during office hours: 2150 6223

ENLS fax number: 2802 9153

E-mail address: wg_sfo@wfsfaa.gov.hk

You can download and complete the paper-based application form and other relevant documents from the Student Finance Office (SFO) of the Working Family and Student Financial Assistance Agency (WFSFAA) webpage at https://www.wfsfaa.gov.hk/sfo/en/postsecondary/enls/application/forms.htm. You may refer to Part II of the Guidance Notes for "How to Complete & Submit the Paper-based Application Form".
You can also complete and submit the online application forms through “SFO E-link – My Applications”. You may refer to the Online Demonstration (ENLS) for submitting online application under the ENLS.

Deadline for application of the 2022/23 academic year is 31 July 2023. And all the lectures of course(s) under application of the 2022/23 academic year have not been completed at the time of application submission.

(1)

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

(2)

Paper-based application form / Application Summary with Declaration (for those submitted online application) and all the necessary documents should be submitted to the government’s Student Finance Office (SFO) by one of the following means:

(a)	by mail to SFO Extended Non-means-tested Loan Scheme Application Processing Unit Student Finance Office Working Family and Student Financial Assistance Agency 11/F, Cheung Sha Wan Government Offices 303 Cheung Sha Wan Road, Kowloon
(b)	through SFO's drop-in boxes during office hours (Mon - Fri 8.45 am - 1 pm and 2 pm - 5.45 pm; except Public Holidays) Reception Hall Working Family and Student Financial Assistance Agency 11/F, Cheung Sha Wan Government Offices 303 Cheung Sha Wan Road, Kowloon (near exit C1 of the Shamshuipo MTR station)
(c)	through SFO's drop-in boxes outside office hours (Mon - Fri 8.45 am - 1 pm and 2 pm - 5.45 pm; except Public Holidays) Ground Floor Cheung Sha Wan Government Offices 303 Cheung Sha Wan Road, Kowloon (near exit C1 of the Shamshuipo MTR station)

(3)

Please refer to Point 5 of the Guidance Notes (p.8-14) for "How to Apply".

(4)

You may apply for ENLS loan even if you have already paid your tuition fees provided that you submit complete application before the deadline (31 July 2023) and all the lectures of course(s) under application of the 2022/23 academic year have not been completed at the time of submission. As you have already paid the tuition fees, your entitled ENLS loan will be made to you by autopay.

(5)

If you have settled tuition fee(s) when submitting application, the payment(s) will be made by autopay to your bank account filled in the ENLS application form. Please visit Finance Office’s “Student Account Portal (SAP)” (https://www40.polyu.edu.hk/fosae/) to print the payment receipt as supporting document.

(6)

If you have not settled the tuition fee(s) when submitting application, the payment(s) will be made by cheque payable to The Hong Kong Polytechnic University. You should ensure the payment amount and schedule when you fill in the application form. For the general payment schedule, you may refer to the webpage of Academic Secretariat at https://www.polyu.edu.hk/ar/students-in-taught-programmes/annual-schedules/fee-payment/. For getting verification letter for your application, you may approach your Department for help.

(7)

Neither your application nor the approval for an ENLS loan carries any implications that the payment deadline 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 due date. Please therefore note the time required for the different payment methods of the loan as specified in the “Guidance Notes”.