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  1. The Working Family Allowance (WFA) Scheme encourages self-reliance and eases inter-generational poverty. Applications under the WFA Scheme are made on a household basis (including singleton households). A household meeting the working hour requirements, income and asset limits may apply for a Basic Allowance, Medium Allowance or Higher Allowance.

  2. The interest rate of non-means-tested loans is derived on a no-gain-no-loss (NGNL) basis (the NGNL interest rate is currently set at 3.538% below the average best lending rate of the note-issuing banks) plus a risk-adjusted-factor (RAF) rate which seeks to cover the ...

  3. OCEF updates the list of CEF reimbursable courses on a monthly basis. Information on the reimbursable courses can be obtained from the CEF website or the registered institutions / course providers. In addition, course information can be obtained by fax through our hotline 3142 2277 (handled by the staff of “1823”).

  4. Please refer to Eligibility for the eligibility of ENLS. For Students of Hong Kong Metropolitan University, please refer to ENLS 202 (AUT2024) or ENLS 202 (SUM2024) for the application procedures, deadlines and loan disbursement arrangements.

  5. The NLSFT loan will be disbursed directly to the respective institutions by instalment (s) to settle the tuition fees, subject to successful submission of the full set of duly completed loan documents and other required supporting documents by applicants. Please refer to "Loan Disbursement Arrangements" for details.

  6. Working Family and Student Financial Assistance Agency - Tertiary Student Finance Scheme - Publicly-funded Programmes (TSFS) - Learn before submitting application.

  7. Responsibilities of Applicants. When submitting the application, applicants should: provide all the required information in the application, including the personal data and those of their family members;