How to Apply for a Student Loan Trust Fund (SLTF) in Ghana

Are you looking for How to apply for a Student Loan Trust Fund (SLTF) in Ghana? Funding your studies can be one of the hardest encounter students and families have.

It may not be easy to get the complete funds that can help you achieve your educational goals as to be educated requires lots of funds.

Obtaining a quality education is crucial for personal and professional growth. In Ghana, the Student Loan Trust Fund (SLTF) plays a significant role in providing financial assistance to students pursuing higher education.

This article aims to guide you through the process of applying for an SLTF loan, ensuring that you can access the necessary funds to pursue your educational aspirations.

About Student Loan Trust Fund (SLTF)

The Students Loan Trust Fund (SLTF) is a Ghanaian government agency that provides financial assistance to students who are pursuing tertiary education. The SLTF was established in 2005 under the Trustee Incorporation Act 1962, Act 106. The SLTF's mission is to provide timely financial services to eligible Ghanaian tertiary students and its vision is to inspire and unleash greater prospects.

The SLTF provides loans to students who are pursuing full-time undergraduate or postgraduate degree programs at accredited tertiary institutions in Ghana. The SLTF also provides loans to students who are pursuing diploma and certificate programs at accredited tertiary institutions in Ghana.

Benefits of the Student Loan Trust Fund (SLTF)

The Student Loan Trust Fund (SLTF) offers many benefits such as:

Low interest rates: The interest rate on SLTF loans is very low, currently 5%. This means that students will pay less interest on their loans, which can save them money in the long run.

You can use it to pay for anything: You can use the loan to pay for your tuition, accommodation, books, and other expenses.

Grace period: After graduation, students have a grace period of 6 months before they need to start repaying their loans.

This gives students time to find a job and get established in their careers before they start making loan payments.

Long repayment period: The repayment period for SLTF loans is 10 years. This gives students plenty of time to repay their loans without feeling overwhelmed.

Guarantor: Students are not required to have a guarantor for SLTF loans. This means that students do not need to find someone to cosign their loans, which can make the application process easier.

Student Loan Trust Fund (SLTF) Eligibility Requirements

To apply for a Student Loan Trust Fund (SLTF) in Ghana, you must meet the following eligibility requirements:

     You must be a Ghanaian citizen.

     You must have been offered admission to study an accredited tertiary institution in Ghana.

     You must be pursuing a full-time undergraduate or postgraduate degree program.

     You must have a valid Ghana Card Number (Ghanaian passport holders can also apply).

     You must have a valid student ID card.

     You must have a valid e-zwich card (a national debit card).

     You must have a guarantor who is a Ghanaian citizen and has a valid Ghana Card Number.

Student Loan Trust Fund (SLTF) Documents Requirements

Students are required to complete an online application form and submit the relevant supporting documentation in order to be considered for a loan from the SLTF.

The following are some of the supporting documents that are required when applying for a loan from the SLTF:

     A copy of the student's letter of acceptance

     A copy of the student's photo identification card

     A duplicate of the student's Ghana Card Number, if available.

     A copy of the Ghana Card Number belonging to the guarantor

     A guarantor's consent form

To create an account for a student loan through the Students Loan Trust Fund (SLTF), please follow these simple steps:

How to Create a Students Loan Trust Fund (SLTF) Account

     Visit the official website of SLTF at

     Look for the "Signup" button on the website's homepage and click on it.

     You may encounter a legal notice, which you should read thoroughly. If you agree to the terms and conditions, click on the "Agree" button.

     Fill in all the required information in the provided fields on the signup page.

     On the user account information page, make sure to tick the box that says, "I agree to the terms of service" if you indeed agree to the terms.

     Click on the "Create Account" button to proceed with the account creation process.

     After successfully creating your account, you will receive an activation code. This code will be sent to either your phone number or email address.

     Enter the activation code you received into the designated textbox.

     Finally, click on the "Activate Account" button to complete the account activation process.

How to Apply for Student Loan Trust Fund (SLTF)

To start the loan application process through the SLTF platform, please follow the step-by-step instructions outlined below:

     Start by downloading the SLTF app from either the App Store (for iOS users) or the Google Play Store (for Android users).

     Once the app is successfully installed on your device, launch it and proceed to create your personal account. Fill in the required information in the application form, providing your basic details accurately.

     After successfully setting up your account, you can proceed to apply for a student loan. However, it is crucial to note that your loan application's success depends on meeting specific requirements outlined by the SLTF.

Alternatively, if you prefer to apply through their official website, you can visit On the website, you'll have the option to create an account and subsequently follow the instructions provided to complete your loan application.

Student Loan Trust Fund (SLTF) Worth

The SLTF provides loans to students who want to attend a university in Ghana but cannot afford the school fees. This loan will cover your bills for a single session, and you must repay it when it is due. The amount ranges from GH¢1,500 and GH¢3,000.

How to Make the Best of The Student Loan Trust Fund (SLTF)

     Make sure you meet all of the eligibility requirements before you apply.

     Complete the online application form carefully and accurately.

     Upload all of the required supporting documents.

     Be patient. The SLTF may take some time to review your application.


Can I apply for an SLTF loan if I'm already enrolled in a tertiary institution?

Yes, continuing students can apply for top-up loans to support their education.

Is the loan amount based on the program of study?

Yes, the loan amount is determined based on the program's fee schedule and the financial needs of the student.

Are SLTF loans interest-free?

No, SLTF loans carry an interest rate that is subject to periodic review.

How Do I contact the Students Loan Trust Fund (SLTF)

Please visit the SLTF contact page in order to get a list of all official phone numbers, including the contact information for their several zonal offices located across the nation. In order to get more information, kindly dial 030 2751020.



Accessing financial support through the Student Loan Trust Fund (SLTF) in Ghana can be a significant opportunity for students pursuing higher education.

As a Ghanian student, you can use this opportunity to get the funds you need for your education

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