Accessing tertiary education in Ghana can be challenging without financial support. Fortunately, the Students Loan Trust Fund (SLTF) offers student loans designed to help eligible Ghanaian students cover tuition fees, living expenses, books, and other essential study costs. In this complete and SEO‑optimized guide, we’ll walk you through everything you need to know — from eligibility requirements to how to successfully apply.
What Is the Students Loan Trust Fund (SLTF)?
The Students Loan Trust Fund is a government‑backed initiative in Ghana that provides financial support to qualified students pursuing tertiary education in accredited institutions. It replaced the previous SSNIT Students Loan Scheme and operates under the Students Loan Trust Fund Act, 2011 (Act 820).
Who Qualifies for a Student Loan in Ghana?
To be eligible for an SLTF student loan, you must meet the following criteria:
✔ Ghanaian citizenship – You must be a Ghanaian national.
✔ Admission into an accredited tertiary program – Your institution and course must be accredited by the National Accreditation Board (NAB).
✔ Registered student status – You must be enrolled and actively studying at the institution.
✔ Needy applicant – Loans are intended for students who genuinely require financial assistance.
📌 Note: Weekend and evening program students are typically eligible, but sandwich program students may not be eligible under current policy.
Important Documents & Requirements
Before applying, ensure you have the following:
Personal Documents
- Valid Ghana Card
- Active email address and mobile phone number
- Passport‑size photographs
Student Verification
- Admission letter or student ID card from your institution
- SSNIT number (your Social Security and National Insurance Trust reference)
Financial Tools
- E‑zwich account linked to a bank account (used for disbursement and withdrawals)
Guarantor (if required)
In some cases, you may need a guarantor — such as an SSNIT contributor, recognized religious body, MMDA (Metropolitan, Municipal and District Assembly), or qualified corporate body — who agrees to back your loan.
Step‑by‑Step: How to Apply for a Student Loan
Here’s how you can apply online for a student loan from the SLTF:
1. Visit the SLTF Application Portal
Go to the official SLTF application system at https://application.sltf.gov.gh/ and create an account.
👉 Tip: The system allows you to save your progress and complete the form later if you need to.
2. Complete the Online Form
Fill in your personal and academic details, including your Ghana Card number, phone number, email, school, and program of study. Ensure all information is accurate.
3. Upload Required Files
Upload items such as your passport photo and admission letter where required.
4. Submit Supporting Documents
After completing the online section, download and print your application summary. You may need to complete additional forms, including guarantor and loan agreement forms. Submit these with photocopies of required documents at your campus SLTF office if instructed.
5. Track Your Application
After submission, monitor your application status through your portal login or via campus updates.
When Can You Apply?
Online applications typically open at the start of each academic year. Check the official SLTF website or your campus office for the exact dates. You can also sign up for alerts and updates to avoid missing deadlines.
Loan Disbursement & Use of Funds
Once approved, your loan is disbursed directly into your E‑zwich account, which you can use for tuition, books, accommodation, and other related needs.
💡 Pro Tip: Always check that the names on your Ghana Card and your E‑zwich account match to avoid delays in disbursement.
Repayment Basics
Repayment terms vary, but generally:
- You don’t start repayment while you are still studying.
- Repayment may begin after graduation or once you secure employment.
- There may be a grace period after completing your studies before repayment starts.
Final Tips for Applicants
✅ Apply early – portals can close quickly once quota is reached.
✅ Keep all receipts and confirmation emails related to your application.
✅ Contact SLTF’s Call Centre (+233 302 751 020) or visit their official site for help if you encounter issues.
Useful Links
- 👉 Official Students Loan Trust Fund Website: https://www.sltf.gov.gh/
- 👉 Online Loan Application Portal: https://application.sltf.gov.gh/
