INSTRUCTIONS FOR FILLING LOAN APPLICATION FORM 

YOUR LOAN APPLICATION WILL BE PROCESSED BY PRECISION SOFTWARE. FAILURE TO FOLLOW INSTRUCTIONS WILL 
RESULT IN DELAYS IN PROCESSING YOUR APPLICATION. 

Complete ALL sections in CAPITAL LETTERS using a black ball‐point pen. Leave blank the space marked ‘OFFICE USE ONLY’. Do 
not let any letter/digit cross the box; one letter per box. In selecting Gender, Highest Academic Qualification, Marital Status, 
Public/Private school, mark X to denote your choice. 

CORRECTION OF ERRORS 
• Do not use correction fluid anywhere on the form. The application will be rejected if it is used. 
• Cancellations are not allowed. If you make mistakes, you are required to use a new form. 
 
SOCIAL SECURITY NUMBER & SOCIAL SECURITY REFERENCE NUMBER  
If you have not registered with SSNIT, go to any SSNIT branch office and register. You will be provided with a reference number.  
You can use this reference number to complete this application by filling it in the specified box. (Leave the Social Security 
Number box blank. However, you will have to notify SLTF when you obtain the actual number.  
If you have registered with SSNIT already and possess a SSNIT number, fill in the Social Security Number box and leave the 
Social Security Reference Number box blank. 
 
DISTRICTS & REGIONS 
In filling the Region & District boxes, refer to the APPENDIX attached and use the 4‐digit district code or the 2‐letter region 
abbreviation. 
 
E‐ZWICH ACCOUNT NUMBER    You require an e‐zwich account number to access the loan. Please register for the number at 
your bank if you do not have one already. Note that all your loan will be paid onto the card. 
 
PASSPORT PHOTO     You are required to submit 2 recent passport‐size photos. Write your name at the back of the photos and 
submit to the loan officer together with your application forms. DO NOT STAPLE OR GLUE THE PHOTOS TO THE FORMS. 
 
THUMB PRINT 
Take your thumb and finger prints at any SSNIT office close to you. 
 
LOAN GUARANTORS     Your application can be guaranteed by any of the following: 
• SSNIT Pension contributor (who has contributed not less than 60months) 
• SSNIT Informal sector fund contributor 
• Metropolitan, Municipal, & District Assemblies 
• Corporate Institutions 
• Church / Islamic Denomination 
Visit our website www.sltf‐ghana.org to download Guarantor Forms 
 
ATTACHMENT TO APPLICATION FORMS   
• Copy of admission letter 
• Copy of Student ID (if available) 
• Copy of Social Security card or Reference Number receipt 
• Copy of e‐zwich card 
• One passport‐size photograph to each application form 
• Guarantor Form & Loan Agreement Form 
 
NUMBER OF APPLICATIONS TO SUBMIT 
You are required to submit 2 copies of your application. Contact your loan officer for advice on this submission. 
 
Any questions, contact your campus officer, email to info@sltf‐ghana.org, or call 0302231886, 0302231887 
 STUDENTS LOAN TRUST FUND
LOAN APPLICATION FORM FIRST-TIME APPLICANTS

Form No

SECTION I - Applicant Details

Surname Date Of Birth (ddmmyy)

First Name Middle Name

Gender

Male
Social Security Number Social Security Reference Number
OR Female

Permanent Postal Address Home Address

c/o (if applicable) House No

Box No Street Name

Town City/Town/Village

Region District Code(see Appendix) Region District Code(see Appendix)

E- mail

Telephone/Cellphone National ID Number(if available)

Student ID Number

SECTION II - Head Of Household/Person Responsible For Your Education

Marital Status
Specify:
Father Married

Mother Divorced

Guardian Never Married

Self Separated

Widowed
Household Size (eg 03, 12)

Page 1
 STUDENTS LOAN TRUST FUND
LOAN APPLICATION FORM FIRST-TIME APPLICANTS

Form No

SECTION III - University/Polytechnic/Institution

Name (Abbreviate if necessary) Level
L100

Programme Of Study (As on Admission Letter) L200

L300

Enrolment Year (yyyy) Duration of Study (Years) Expected Completion Year(yyyy) L400
1 2 3 4 5 6
L500

SECTION IV - Primary/Secondary School Details

Senior High/Secondary
Name Of School

Location(City/Town/Village) Region District Code (See Appendix)

Ownership
Enrolment Year(yyyy) Completion Year (yyyy)
Public Private
Junior High
Name Of School

Location(City/Town/Village) Region District Code

Enrolment Year(yyyy) Completion Year(yyyy) Ownership

Public Private

Academic Qualification Reference Data

** No Education

** Primary School Only

** Middle School / JSS

** SSS / SHS

** Secondary School O/A Level

** Technical / Vocational

** Tertiary Institution

** Professional

Page 2
 STUDENTS LOAN TRUST FUND
LOAN APPLICATION FORM FIRST-TIME APPLICANTS

Form No

Select

SECTION IV Father/Guardian Father Guardian

Surname First Name

Middle Name Telephone / Mobile Number

Postal Address Home Address

c/o (if applicable) House No

Box No Street Name

Town City/Town/Village

Region District Code Region District Code

Occupation / Profession

Highest Academic Qualification (see Page 2)

Select

SECTION V Mother/Guardian Mother Guardian

Surname First Name

Middle Name Telephone / Mobile Number

Postal Address Home Address

c/o (if applicable) House No

Box No Street Name

Town City/Town/Village

Region District Code Region District Code

Occupation / Profession

Highest Academic Qualification (see Page 2)

Page 3
 STUDENTS LOAN TRUST FUND
LOAN APPLICATION FORM FIRST-TIME APPLICANTS

Form No

SECTION VII Guarantor Information

Form Of Guarantorship
Corporate/MMDA Guarantors/Churches/Islamic Denomination
SSNIT Formal Name Of Organisation(abbreviate if necessary)
SSNIT Informal
Corporate
MMDAs Postal Address
Box No
Church
Islamic Denomination Town

Region District Code

Telephone Number Telephone/Mobile Number

SSNIT Formal & Informal Guarantors

Social Security Number Relationship To Applicant
Father Mother Any Other
Surname First Name

Middle Name Telephone/Cellphone

Postal Address Home Address

c/o (if applicable) House No

Box No Street Name

Town City/Town/Village

Region District Code Region District Code

Office Use Only

SECTION VIII E-zwich Account Data
Program Code Loan Category
e-Zwich No

Page 4
 APPENDIX I: District Codes & Tertiary Institutions Codes 
WESTERN REGION  UPPER WEST    0609 – Asante Akim South  TERTIARY INSTITUTION CODES
0101 – Ahanta West        1001 – Jirapa   0610 – Atwima Kwanwoma  001‐Academy Of Business Administation (Accra Campus) 
0102 – Aowin/Suaman                               1002 – Lambussie Karni  0611 – Atwima Mponua     002‐Accra Polytechnic 
0103 – Bia                                                     1003 – Lawra   0612 – Atwima Nwabiagya  003‐Africa Institute Of Journalism And Communications, Accra 
0104 – Bibiani/Anhwiaso/Bekwai            1004 – Nadowli    0613 – Bekwai Asante  004‐Akrofi‐Christaller Memorial Institute 
0105 – Ellembelle           1005 – Sissala East    0614 – Bosome Freho new  005‐All Nations University 
006‐Ashesi University 
0106 – Jomoro       1006 – Sissala West  0615 ‐ Bosomtwe    
007‐Bolgatanga Polytechnic 
0107 – Juaboso                                             1007 – Wa East  0616 – Ejisu – Juaben Municipal 
008‐Cape Coast Polytechnic 
0108 – Mpohor/Wassa East                       1008 – Wa Municipal    0617 – Ejura/Sekyedumase  009‐Catholic University College 
0109 – Nzema East Municipal                    1009 – Wa West  0618 – Kumasi Metropolitan  010‐Central University College 
0110 – Prestea‐Huni Valley             0619 – Kwabre East  011‐Christian Service University College 
0111 – Sefwi Akontombra                  VOLTA REGION                        0620 – Mampong Municipal     012‐Data Link Institute (University College) 
0112 – Sefwi‐Wiawso                                   0401 – Adaklu‐Anyigbe          0621 – Obuasi Municipal  013‐Garden City University College 
0113 – Sekondi Takoradi Metropolitan    0402 – Akatsi                           0622 – Offinso Municipal  014‐Ghana Baptist University College 
0114 – Shama                                        0403 – Biakoye District          0623 – Offinso North  015‐Ghana Christian University College 
0115 – Tarkwa Nsuaem Municipal             0404 – Ho Municipal              0624 – Sekyere Afram Plains      016‐Ghana Institute Of Journalism 
0116 – Wasa Amenfi East                            0405 – Hohoe Municipal       0625 – Sekyere Central  017‐Ghana School Of Law 
0117 – Wasa Amenfi West                         0406 ‐  Jasikan             0626 – Sekyere East  018‐Ghana School Of Marketing 
  0407 – Kadjebi                         0627 – Sekyere South  019‐Graduate School Of Management (Kanda Campus) 
020 Ho Polytechnic 
CENTRAL REGION                                         0408 – Keta Municipal            
021 Institute Of Business Management And Journalism 
0201 – Abura/Asebu/Kwamankese           0409 – Ketu                             BRONG AHAFO REGION 
022 University College Of Management Studies ‐ Kumasi 
0202 – Agona East                                                           0410 – Ketu North                  0701 – Asunafo North       023 Institute Of Professional Studies 
0203 – Agona West Municipal                    0411 – Kpando                        0702 – Asunafo South                   024‐Intercom Programming And Manufacturing Company Ltd 
0204 – Ajumako/Enyan/Essiam                  0412 – Krachi East                  0703 – Asutifi                                  (IPMC) 
0205 – Asikuma/Odoben/Brakwa             0413 – Krachi West                0704 – Atebubu – Amantin          025‐Islamic University College, Ghana 
0206 – Assin North Municipal                   0414 – Nkwanta                      0705 – Berekum Municipal          026‐Jayee University College 
0207 – Assin South                                        0415 – Nkwanta North           0706 – Dormaa East                      027‐Koforidua Polytechnic 
0208 – Awutu‐Senya                                     0416 – North Tongu                 0707 – Dormaa Municipal            028‐Kumasi Polytechnic 
0209 – Cape Coast Metropolitan                              0417 – South Dayi                    0708 – Jaman North                      029‐Kwame Nkrumah University Of Science And Technology 
0210 – Effutu Municipal                         0418 – South Tongu                  0709 – Jaman South                      030‐Maranatha Bible College 
0211 – Gomoa East                                          0710 – Kintampo Municipal         031‐Meridian University College 
0212 – Gomoa West                                            EASTERN REGION                               0711 – Kintampo South                         032‐Methodist University College ‐ Ghana 
033‐Nar‐Bita School Of Nursing 
0213 – Komenda/Edina/Eguafo/Abirem     0501 – Akuapim North                       0712 – Nkoranza North           
035‐Pentecost University College 
0214 – Mfantseman Municipal                     0502 – Akuapim South                       0713 – Nkoranza South            
036‐Premier Institute Of Law Enforcement Management And 
0215 – Twifo/Heman/Lower Denkyira        0503 – Akyemansa                              0714 – Pru                                   Administration 
0216 – Upper Denkyira East Municipal       0504 – Asuogyaman                           0715 – Sene                                 037‐Presbyterian University College 
0217 – Upper Denkyira West                        0505 – Atiwa                                        0716 – Sunyani Municipal         038‐Rdi West Africa Limited 
  0506 – Birim Central                           0717 – Sunyani West                  039‐Regent University College Of Science And Technology 
GREATER ACCRA                                              0507 – Birim North                             0718 ‐ Tain         040‐Spiritan Institute Of Philosophy 
0301 – Accra Metropolitan                            0508 – Birim South  0719 – Tano North                            041‐Sunyani Polytechnic 
0302 – Adenta Municipal                               0509 – East Akim Municipal       0720 – Tano South                      042‐Takoradi Polytechnic 
0303 – Ashaiman Municipal  0510 – Fanteakwa                               0721 – Techiman Municipal      043‐Tamale Polytechnic 
0304 – Dangme East  0511 – Kwaebibirem  0722 – Wenchi Municipal                044‐Trinity Theological Seminary 
0305 – Dangme West                           0512 – Kwahu East                             045‐University For Development Studies 
0306 – Ga East Municipal                                               0513 – Kwahu North                          NORTHERN REGION  046‐University Of Cape Coast 
047‐University Of Education, Winneba 
0307 – Ga West                                                                0514 – Kwahu South                          0801 –Bole                                         
048‐University Of Education, Winneba, (Mampong Campus) 
0308 – Ledzekuku‐Krowor Municipal    0515 – Kwahu West                            0802 ‐ Bunkpurugu – Yunyoo          
049‐University Of Education, Winneba (Kumasi Campus) 
0309 – Tema Metropolitan                                            0516 – Lower Manya Krobo              0803 – Central Gonja                         050‐University Of Ghana 
0310 – Weija Municipal                                                  0517 – New – Juaben Municipal      0804 – Chereponi                                051‐University Of Ghana ‐ City Campus 
                            0518 – Suhum/Kraboa/Coaltar       0805 – East Gonja                               052‐University Of Mines And Tech (Umat) 
UPPER EAST    0519 – Upper Manya Krobo  0806 – East Mamprusi                        053‐Valley View University College 
0901 – Bawku Municipal  0520 – West Akim Municipal            0807 – Gushegu    054‐Wa Polytechnic 
0902 – Bawku West  0521 – Yilo Krobo  0808 – Karaga                                  055‐West Africa Computer Science Institute 
0903 – Bolgatanga Municipal      0809 – Kpandai      056‐Wisconsin Internation University College, Ghana 
0904 ‐ Bongo         ASHANTI REGION          0810 – Nanumba North                     057‐Zenith College 
0905 – Builsa  0601 – Adansi North  0811 – Nanumba South  058‐Ghana Institute Of Languages 
0906 – Garu–Tempane         0602 – Adansi South  0812 – Saboba  059‐Green Hill College, Accra 
0907 – Kassena Nankana West  0603 – Afigya – Kwabre  0813 – Savelugu/Nanton    060‐Knust, Sunyani Campus (Formerly Crnr) 
061‐National Film & Tv Institute 
0908 – Kassena/Nankana  0604 – Ahafo Ano North    0814 – Sawla‐Tuna‐Kalba 
063‐Regional Maritime University College 
0909 – Talensi‐Nabdam            0605 – Ahafo Ano South  0815 – Tamale Metropolitan 
064‐U.D.S. ‐ Navrongo Campus 
                                                        0606 – Amansie Central  0816 – Tolon/Kumbungu  065‐U.D.S. ‐ Nyankpala Campus 
0607 – Amansie West  0817 – West Gonja     066‐U.D.S. ‐ Wa Campus 
0608 – Asante Akim North        0818 – West Mamrusi     067‐University Of Ghana Medical School 
                                                             0819 – Yendi Municipal  068‐Ghana Telecom University College (Gtuc) 
0820 – Zabzugu/Tatale                               069‐University College Of Management Studies ‐ Accra 
070‐School Of Allied Health Sciences 
071‐Technical University College 
072‐Pan African Christian University College 
073‐Ghana School Of Surveying And Mapping 
075‐Western Hills School Of Nursing 
076‐Evangelical Presbyterian University College 
077‐Knutsford University College 
078‐University Of Ghana ‐ School Of Pharmacy
ABBRE VIATIONS FOR REGIONS 
   
AR ‐  ASHANTI                             NR ‐ NORTHERN 
BA ‐  BRONG AHAFO                  UE ‐  UPPER EAST 
CR ‐  CENTRAL                              UW ‐  UPPER WEST 
ER ‐  EASTERN                              VR ‐  VOLTA 
GR – GREATER ACCRA                WR  ‐  WESTERN 
 
 STUDENTS LOAN AGREEMENT FORM

This agreement is made this___ __day of _____________________20_ _between STUDENTS

LOAN TRUST FUND, a Trust incorporated under the Trustee Incorporation Act, 1962, Act 106 of House No.
47, 3rd Crescent Ave, Asylum Down, Accra, acting by its authorized representative (hereinafter referred to as the
“LENDER”) of the one part
and________________________________________________

with student number ____________and whose Social Security number is

(hereinafter referred to as the “BORROWER”) of the other part.
WHEREAS:

1. The Lender has established a student‟s loan scheme to advance loans to students undertaking accredited courses
at accredited tertiary educational institutions in Ghana in accordance with the requirement of the lender„s Trust
Deed .
2. The Borrower is currently pursuing a Year (Number of years) diploma/degree and or professional course
at _________________ _ (Name of institution) an accredited tertiary institution.
3. At the request of the Borrower and subject to the terms and conditions of this agreement set out below and
particularly explained in Appendix B attached hereto, the lender has agreed to advance loan to the borrower.
4. AMOUNT OF LOAN
The Lender shall provide the Borrower with a Loan facility agreed by the parties herein and in the subsequent
year(s) of the course of study of the Borrower. The Lender shall disburse the loan amount to the borrower of
each year for the borrower‟s course of study by two installments. The amount of each installment shall be
determined by the Lender and paid into a designated personal account of the borrower the particulars of which
the borrower shall provide to the Lender.
5. TERMS AND CONDITIONS
a) The Lender shall charge interest equal to the average Interest payable on Government of Ghana 182 day
Treasury bill on total loan for the time being advanced to the borrower.
(i) Compounded annually during the period of study and moratorium period ;
(ii)Plus 2% compounded semi-annually during the payment period.

(b) The Borrower shall repay the loan granted together with all interest accrued thereon within a (number
of years) of completion of the course or as the case may be and in accordance with the payment schedule
attached hereto.
(c) The Borrower shall provide at least one Guarantor acceptable to the Lender prior to the disbursement of the
first Loan
(d) The Borrower shall have the right at any time on written notice or otherwise to the Lender to repay all or
part of the loan with the accrued interest.
(e) Penalties for default shall apply in cases of default.
(f) The Lender shall be entitled to terminate this agreement if borrower is found to have provided false
information. In the event of termination of this agreement under this clause the principal and accrued
interest shall become immediately payable.
(g) The Borrower shall notify his employer in writing of his/her obligation to the Lender and request monthly
deduction from salary and pay the money to the Lender.
(h) If the Borrower fails to complete his course of study through any cause whatsoever the borrower shall
remain indebted to the lender for the loan and the entire loan shall become due immediately and payable
within 12 consecutive months.
(i) A borrower shall not be eligible for a loan during repeat year(s) of study.
(j) The borrower shall be automatically registered for the Students Loan Protection Scheme.

_______________________________
Signature of student
Page 1 of 3
 STUDENTS LOAN AGREEMENT FORM

FINGER/THUMB PRINT OF APPLICANT

Left Index Finger Left Thumb Right Thumb Right Index Finger SSNIT Officer Signature

(Finger prints should be taken at any SSNIT branch office, supervised by an officer who should sign
his/her name, Stamp & Signature to the right)

WITNESS (Refer to page 3)

Name: Official rubber stamp

I wish to confirm that the applicant
appeared before me and that I Address:
interviewed him/her and hereby
state that the information given
herein is true to the best of my
knowledge.
Phone:

Profession/Title:
Signature
_______________Date__________

CONSENT OF PARENT/GUARDIAN (For Applicant under 18 years only)

I, ______________________________________________________________ (Name of Parent)

of___________________________________________________________________________________
Residential Address

And with National ID number ______________________and NHIS number: ______________being a

Parent/Guardian of __________________________with student No. ______________________

consent to the grant of Loans by the Students Loan Trust Fund to my child/ward during his course of study
at _____________________________________________________________________________

Postal Address _______________________________________________________________________

Signature _____________________________________

Page 2 of 3
 STUDENTS LOAN AGREEMENT FORM

ATTESTATION FOR VISUALLY IMPAIRED PERSONS ONLY

A. Borrower

Signed by after the

(Name of borrower)

Contents herein had been read and explained to him by __ ____

___________________________________________________________________ _______
(full name and address of the person explaining )

and seemed perfectly to understand and approve of same before his hand was guided by the said

to the appropriate place on this application form to sign.

(name of person explaining)

(Signature of person making declaration)

B. Witness to attestation:
Signature _____________________________________________________________________

Full name: ___________________________________________________________________

Occupation: ___________________________________________________________________

Postal Address_________________________________________________________________

I__________________________________________________________________________________

_______________________________________________________________________________(full
name ,address and occupation )hereby declare that on the_______day of__________(month ,year ). I
read and explained the contents of the loan agreement marked to (full
name of borrower )the borrower herein who is blind but literate ,in the English language and he seemed
perfectly to understand and approve of the contents before executing it.

LIST OF PERSONS QUALIFIED TO WITNESS (Refer to page 2)

 Senior Public Servant

 Religious Leader
 Village Chief
 Lawyer
 Senior Professional
 Head of Secondary Schools
 Dean of Student- Head of Department

Page 3 of 3