SLTF Student Loan Application Process in Ghana
By Muntasir • Published Sep 18, 2026 • Updated Sep 18, 2026 • African Scholarships & Student Funding
The Student Loan Trust Fund (SLTF) gives Ghanaian students at accredited tertiary institutions a loan for their studies, with no processing fee and no personal connections needed. You apply online, choose one of four approved guarantor types, and wait for review before your loan moves to disbursement.
🎓 Open to Ghanaian students in accredited tertiary programs
📩 Apply online with your Ghana Card and a personal email address
No processing fee, no protocol list
Guarantor options: SSNIT contributor, religious body, MMDA, or corporate body
Four stages: register, apply, review, approval and disbursement
What the Student Loan Trust Fund Covers
The Student Loan Trust Fund (SLTF) gives loans to Ghanaian students studying at accredited tertiary institutions across the country. The loan covers tuition and related costs while you study, with no processing fee and no need for personal connections or a protocol list, according to SLTF .
Any Ghanaian citizen enrolled in an accredited program at an accredited tertiary institution qualifies to apply. The fund is not limited to public universities. Technical universities, colleges of education, and other accredited institutions count too.
Who Can Apply
You are Ghanaian and hold a valid Ghana Card.
You are admitted to or enrolled in an accredited tertiary institution in Ghana.
Your program is accredited.
You have a personal email address to create your account.
Choosing a Guarantor
Every applicant needs a guarantor. SLTF accepts four categories, and self-guaranteeing is not allowed.
| Guarantor type | Requirements |
|---|---|
| SSNIT contributor | Ghanaian, at least 36 months of active SSNIT contributions, aged 53 or under, limited to 1 guarantee (parents guaranteeing their own children are exempt from this limit), no cross-guaranteeing between two SSNIT contributors |
| Registered religious body | Nationally registered for at least 10 years, backed by an institutional resolution approving the guarantee |
| Metropolitan, Municipal or District Assembly (MMDA) | Assembly resolution naming 2 authorized signatories |
| Corporate body | Ghana Club 100 member or listed on the Ghana Stock Exchange, backed by a board resolution with 2 senior management signatories |
Pick a guarantor you reach easily during the application. Delays with guarantor documentation are a common reason applications stall.
Documents to Prepare
Ghana Card, yours and your guarantor's where relevant
Admission or continuing student letter from your institution
Guarantor resolution or supporting documents matching the guarantor type you choose
A working personal email address and phone number
Step by Step: How to Apply
Create an account on the SLTF portal using your Ghana Card details and personal email.
Complete the application form with your institution, program, and guarantor details.
SLTF reviews your application and verifies your guarantor's documents.
Once approved, your loan moves to disbursement.
Applying Again Each Year
SLTF loans tie to a single academic year, so plan to reapply for each year you need funding. Keep your guarantor's documents and your own Ghana Card details current, since expired SSNIT contributions or a lapsed assembly resolution hold up a renewal application.
Deadlines Change Every Cycle
SLTF closes applications on a fixed date each academic year and does not accept late submissions. For the 2022/23 academic year, applications closed on 20 November 2023, according to SLTF . Check the current academic year's deadline on the portal as soon as you get admission, since dates shift from cycle to cycle.
If Your Application Stalls
Most delays come from guarantor paperwork, not from SLTF itself. Confirm your SSNIT contributor guarantor has at least 36 months of contributions before you submit, and get any institutional or assembly resolution signed in advance if you use a religious body, MMDA, or corporate guarantor. A Ghana Card that does not match your admission documents also causes rejections, so check that your name and details are identical everywhere.