Welcome to SFO e-Service Center
Important Announcement
Interest-free Deferral of Student Loan Repayment
The Finance Committee of the Legislative Council has approved an interest-free deferral of student loan repayment for a period of two years. Please click here to learn more. The SFO will issue notification letters to eligible student loan borrowers by batches starting from end of April 2020 to inform them of the detailed arrangements. For student loan borrowers who opt to continue to repay according to their original repayment schedules, the SFO will, as soon as possible, issue them with the demand note(s) which should be due for instalment repayment in or after May 2020. The due date for repayment will be extended accordingly to allow sufficient time for the loan repayers to arrange repayment of the loans.

Special Announcement:
Financial assistance schemes for pre-primary, primary and secondary students for the 2020/21 school year are now open for online application. Eligible continuing applicants may download their pre-filled electronic Household Application Form for Student Financial Assistance Schemes at “SFO E-link - My Applications (Financial Assistance Schemes at Pre-primary, Primary and Secondary Levels)”.

Special Announcement:
MyGovHK’s portal and Easy Sign-on services are scheduled for maintenance from 09/07/2020 23:00 to 10/07/2020 05:30 (HK Time). SFO E-link services which require logging-in will be temporarily suspended during the said period.
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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