Enquiry

Telephone:2150 6223

Email:wg_sfo@wfsfaa.gov.hk

Extended Non-means-tested Loan Scheme (ENLS)

E-SubmissionThis link will open in a new window

Enquiry

Telephone:2150 6223

Email:wg_sfo@wfsfaa.gov.hk

Overview

The Extended Non-means-tested Loan Scheme (ENLS) provides loans to eligible students to settle tuition fees of specific post-secondary/continuing and professional education courses studied in Hong Kong.

Frequently Asked Questions

Notes on Application

1What is the level of life-time loan limit under the Extended Non-means-tested Loan Scheme (ENLS) for the 2024/25 academic year?

2Am I eligible for applying for the ENLS?

3What are the requirements of a qualified indemnifier for applying the ENLS?

4What are the requirements of a witness for applying the ENLS?

5Is my course covered by the ENLS?

6What is the deadline for application of the ENLS?

The deadline for application of the 2024/25 academic year is 31 July 2025 and subject to all the lectures of courses under application of the 2024/25 academic year have not been completed at the time of application submission. Please refer to the Application Deadline.

For Students of Hong Kong Metropolitan University, please refer to ENLS 202 (SUM2025)This link will open in a new window or ENLS 202 (SPR2025)This link will open in a new window for the application procedure, deadlines and loan payment arrangement.

7How much can I borrow under the ENLS?

8Is it necessary for students of Diploma of Applied Educatoin / Diploma Yi Jin to apply for the ENLS before registration?

For students who wish to settle the tuition fee themselves, there is no need for them to submit ENLS application.

If applicants would like to apply for the ENLS, they may choose to settle the first instalment of their tuition fee first so as to secure their place and avoid any delay in their enrolment process. Please refer to Diploma of Applied Education / Diploma Yi Jin Application reminder.

Interest Rate and Administration Fee

9When should I pay the administrative fee for the ENLS?

10How much is the administrative fee of the ENLS for the 2024/25 academic year?

The current administrative fee for the ENLS is HK$216 or HK$296. Administrative fee is chargeable upon submission of application and annually thereafter until the ENLS loan and the interest accrued thereon are fully repaid. For details, please refer to Interest and Administration Fees.

*The amount covers an administrative fee of HK$216 payable to the Government and a one-off handling charge of HK$80 for each application payable to applicants' institution.

11How do I pay the administrative fee for applying the ENLS?

12What is the prevailing interest rate of the ENLS?

13When does interest of the Extended Non-means-tested Loan start to accrue?

Application Procedures

14How to submit an application for the ENLS?

15How to find the link-up code for registration of the E-link – My Bills service when I apply for the ENLS?

Notification of Result and Payment Arrangements

16When will I be notified of the result of my eligibility of the ENLS application?

If the information applicants provide is complete with all the required documents submitted in order and the programme(s)/course(s) pursued is/are already included in the Register of Eligible Courses under the ENLS, applicants may normally be notified by mail of the result within three weeks from the date of submission of complete information.

Processing time of the application will be longer under the following circumstances：

The information provided is incomplete or discrepancies in the supporting documents provided are found;
The information provided requires clarification by their institution or other government departments or organisations; and
The applications involve undischarged bankrupts or subject persons of Individual Voluntary Arrangement (IVA).

Please refer to ‘Notification of Result’ for details.

17What are the payment methods of my ENLS application?

Course providers

18Are course providers required to apply for registration of their course(s) under the ENLS?

With the exception of institutions with self-accreditation status or Programme Area Accreditation status granted by the Hong Kong Council for Accreditation of Academic and Vocational Qualifications (HKCAAVQ), all course providers have to apply to SFO for registration of their courses. For details, please refer to the Working Family and Student Financial Assistance Agency (WFSFAA) webpage.

19How do course providers apply to the SFO for amendment(s) to eligible course(s) under the ENLS?

Course providers not having the self-accreditation status or Programme Area Accreditation status should complete, sign and submit to SFO the ‘Course Amendment Form for an Eligible Course under the ENLS’ which is available for download at the WFSFAA webpage. It is important that the proposed amendment(s) should not be effected prior to receiving the written agreement to the amendment(s) from the SFO.