Welcome Page - SC-621-5-001

Important Announcement

The Working Family and Student Financial Assistance Agency (WFSFAA) would not use WhatsApp or social media accounts to contact applicants of the financial assistance schemes, but would only use letters, phone calls, emails or SMS messages for such communication. To help members of the public verify the identities of SMS senders, all SMS messages from the WFSFAA would be sent by SMS Sender IDs with the prefix "#".

The Finance Committee of the Legislative Council has approved to further extend the current interest-free deferral of student loan repayment for one year from 1 April 2024 until 31 March 2025. Please click here for details.

Notice of Adjustment to Non-means-tested Loan Schemes Interest Rate
The interest rate of the Non-means-tested Loan Schemes has been adjusted from 2.42% to 2.17% per annum with effect from 1 October 2024. The overdue interest rate has also been adjusted from 5.958% to 5.875% per annum with effect from 20 September 2024; and from 5.875% to 5.708% per annum with effect from 23 September 2024. For enquiries, please contact 2150 6211 or 2150 6212.

In accordance with the terms and conditions of the student financial assistance schemes, if you and/ or your Indemnifier(s) have changed the contact information; or intend to leave the Hong Kong Special Administrative Region for a period longer than three months or to emigrate, you are obliged to notify this Office immediately in writing. You can also click here to notify us online your new address. Upon receipt of such notification, unless SFO has otherwise come to an agreement with you concerning the repayment arrangement or unless SFO is satisfied that you shall be able to continue to repay the loan based on the original repayment schedule, SFO could demand your immediate repayment of all outstanding balance of the loan, interest, overdue interest (if any), surcharge (if any), administrative fee (if any) and any other expenses.

First Time Login to My Bills? Please refer to the registration guidelines (in Adobe PDF file). Your registration process will be completed within 3 working days.

(A) Student Loan Applicant (Starting from the 2015/16 Academic Year)

Starting from the 2015/16 Academic Year, if you would like to accept the loan offered/apply for the loan, you are required to register for SFO E-link My Bills service by following the instruction on the notification of result of Tertiary Student Finance Scheme – Publicly-funded Tertiary Programmes (TSFS), Financial Assistance Scheme for Post-secondary Students (FASP), Non-means-tested Loan Scheme for Full-time Tertiary Students (NLSFT) and Non-means-tested Loan Scheme for Post-secondary Students (NLSPS) or the acknowledgement of Extended Non-means-tested Loan Scheme (ENLS) application issued to you.

Please print the acknowledgement of receipt/confirmation message as the proof of successful registration and submit it together with the loan documents and other documentary evidence to the Student Finance Office (SFO) for processing of your loan application.

(B) Registration for Receiving Electronic Demand Notes of Student Loans for Graduates

For graduates, SFO will issue monthly demand notes to you in electronic form through the SFO E-link My Bills service. No postal demand notes will be sent to you. You are required to create an account with MyGovHK and then register with SFO E-link My Bills service to view, print and download the monthly demand notes. Please read the Points to Note for details.

Please note that if you have other existing repaying loan accounts with SFO which are repaying on quarterly basis, monthly demand note repayment is not applicable to you until further notice.

Please also refer to the how to use My Bills guide for viewing Demand Note and repaying loan account information in My Bills Service.

(C) Existing Quarterly Demand Note Loan Repayer

For Existing Quarterly Demand Note Loan Repayer, you could receive quarterly electronic demand notes by using My Bills Service at SFO E-link. To be environmentally friendly, SFO will stop sending you postal demand notes after your successful registration of My Bills service. The registration is irrevocable and you are unable to request for postal demand notes after the registration. Please read the Points to Note for details.

Please also refer to the how to use My Bills guide for viewing Demand Note and repaying loan account information in My Bills Service.

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Please refer to the System Requirements for GovHK Online Services. (Note that some versions of operating systems and browsers may have problems accessing online services. Please refer to the suggestions through the above link.)