How to Obtain a Loan from the Student Loan Trust Fund

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If you’re a Ghanaian tertiary student looking for financial assistance, the Student Loan Trust Fund (SLTF) can provide you with timely and flexible loan options.

Established under the Trustee Incorporation Act 1962, Act 106, the SLTF is dedicated to supporting eligible students in pursuing their educational goals. In this comprehensive guide, we will walk you through the process of obtaining a loan from the Student Loan Trust Fund, from application requirements to loan repayment options.

How to Obtain student loan trusted fund

The Student Loan Trust Fund (SLTF) is a public institution in Ghana that aims to provide financial resources for the benefit of students. It was established to replace the SSNIT Students Loan Scheme and is governed by the Students Loan Trust Fund Act 2011, Act 820. The SLTF’s mission is to provide timely financial services to eligible Ghanaian tertiary students, while its vision is to inspire and unleash greater prospects for students.

Application Requirements

To be eligible for a loan from the Student Loan Trust Fund, you must meet certain application requirements. Any Ghanaian student studying an accredited program in an accredited tertiary institution in Ghana can apply for a loan. Here are the key requirements:

Possess a valid Ghana Card

Have a personal e-mail address

Register for an e-zwich card

Please note that currently, applications are closed. It’s important to check back later for updates on the availability of new loan applications.

Loan Application Process

The loan application process with the Student Loan Trust Fund is fast and easy. Here’s a step-by-step guide to help you navigate through the application:

Create an account: Visit the SLTF loan platform and create an account to initiate the loan application process. Provide the required details accurately.

Account activation: Once you’ve created an account, activate it by following the instructions sent to your registered e-mail address.

Complete the loan application form: After account activation, fill out the loan application form with the necessary information. Provide accurate details about your educational institution, program of study, and personal information.

Submission: Submit the completed loan application form along with any additional required documents.

4. Loan Processing and Approval

After you’ve submitted your loan application to the Student Loan Trust Fund, the processing and approval phase begins. The SLTF carefully reviews each application to ensure eligibility and adherence to the loan requirements. Here’s an overview of the loan processing and approval process:

Review: The SLTF reviews your loan application, verifying the accuracy of the information provided.

Loan processing: Once the application is reviewed and deemed eligible, the loan processing phase begins. This involves assessing your loan request and determining the loan amount you qualify for.

Approval and disbursement: After the loan processing is complete, the SLTF approves the loan and disburses the funds to your designated account.

Loan Repayment Options

Repaying your loan to the Student Loan Trust Fund is convenient and hassle-free. The SLTF offers various repayment options to suit your needs. Here are the available loan repayment methods:

737206#: Use the shortcode 737206# to access your loan details, including the balance and repayment options. Follow the prompts to make repayments directly from your mobile phone.

Partner banks: Visit one of the SLTF’s partner banks and provide your Social Security number to make repayments in person.

Smart Pay: Utilize the Smart Pay option, which allows you to make loan repayments directly through your salary deduction if you’re employed.

Special SLTF Pay-in Slip: Make repayments using the SLTF pay-in slip, available at selected banks.

Student Testimonials

The Student Loan Trust Fund has positively impacted the lives of numerous beneficiaries. Here are some testimonials from students who have benefited from the SLTF:

Testimonial by Enoch

“Students Loan Trust Fund. Wow!… I have benefited a lot from SLTF, which is why I always say ‘wow!’ when I hear SLTF. I started…”

Testimonial by Confidence

“I am a proud beneficiary of the Students Loan Trust Fund. SLTF provided me the opportunity to be more conscious and responsible for my studies…”

Latest News

Stay up-to-date with the latest news and updates from the Student Loan Trust Fund. Here you can find information about new loan programs, changes in loan policies, and other relevant news.

Contact Information

If you have any questions or need further assistance, you can reach out to the Student Loan Trust Fund through the following contact details:

Address: Hse # 47, 3rd Crescent Asylum Down – Accra

Digital Address: GA-027-2322

Email: [email protected]

Phone: +233 (0)302 231 886, +233 (0)302 231 873

Office Hours: Monday to Friday, 8:00 AM – 5:00 PM

Frequently Asked Questions

Can I apply for a loan if I’m not a Ghanaian citizen?

A: No, the Student Loan Trust Fund is specifically for Ghanaian students studying in accredited tertiary institutions in Ghana.

How often can I apply for a loan from the SLTF?

A: Loan applications are subject to availability. It’s important to regularly check the SLTF website for updates on new loan applications.

Can I repay my loan before the scheduled repayment period?

A: Yes, you can choose to repay your loan before the scheduled repayment period without incurring any penalties.

For more frequently asked questions, visit the SLTF website.


Obtaining a loan from the Student Loan Trust Fund can be the financial support you need to pursue your tertiary education in Ghana.

With a streamlined application process, flexible repayment options, and a strong commitment to supporting students, the SLTF is dedicated to unleashing greater prospects for Ghanaian students. Stay updated with the SLTF’s latest news and contact them for further information.

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