How to Apply for a Student Loan in Ghana for the 2025/2026 Academic Year

Access to tertiary education continues to expand in Ghana, and the Students Loan Trust Fund (SLTF) remains one of the most reliable support systems for students who need financial assistance. For the 2025/2026 academic year, the application process officially opened on 23rd October 2025, giving both fresh and continuing students the opportunity to apply for educational support.

Whether you are a first-time applicant or need guidance for a smooth process, this article outlines everything you need to know—from eligibility requirements to account creation and biometric verification.

Requirements for the 2025/2026 Student Loan Application

Before beginning your application, ensure you meet the following criteria:

• You must be a Ghanaian.
• You must have gained admission into an accredited tertiary institution in Ghana.
• You must be pursuing a diploma or first-degree programme.
• You must possess a valid Ghana Card Number (available for free at designated GRA offices).
• You need an active registered mobile phone number.
• A valid email address.
• A Student ID card or admission letter.
• An E-zwich card (available at any bank).

Having these documents and details ready will help you complete the application faster.

How to Create an Account

Follow the steps below to begin your online application:

1. Click on the Sign Up button.
2. Read the legal notice and select Agree if you consent.
3. Fill in all the required information and click Next.
4. On the user account information page, check the box “I agree to terms of service” and click Create Account.
5. After creating your account successfully, an activation code will be sent to your phone or email.
6. Enter the activation code in the text box and click Activate Account.

Important Notes

• If you do not receive your activation code within 24 hours, visit the nearest Students Loan office for assistance.
• Activation codes expire after 48 hours.
• Ensure your phone number is correct and your email address is typed in lowercase to avoid delivery issues.

How to Activate Your Account (If You Could Not Activate Earlier)

If you were unable to activate your account during the sign-up process:

1. Click on the Login button on the homepage.
2. Select Activate Account under the sign-in form.
3. Enter your Ghana Card or SSNIT number, then click Send Code.
4. Once you receive the code, type it into the verification field and click Verify.
5. After successful verification, you can now sign in to complete your application.

Forgot Your Password? Follow These Steps

If you have forgotten your password:

1. Click Login on the homepage.
2. Select Forgotten Password.
3. Enter your Ghana Card/SSNIT number and click Next.
4. Click Send Code to request a new activation code.
5. When the SMS arrives, enter the code into the verification field and click Verify.
6. Create your new password and click Submit.
7. Log in using your Ghana Card/SSNIT number and new password.

Reminder

If your activation code does not arrive within 24 hours, visit the nearest Students Loan office for assistance.

Completing the Full Application Process

Once your account is active and you have logged in, complete the application by doing the following:

• Upload all required supporting documents.
• Review and confirm your application details.
• Download, sign, and upload all necessary agreement documents.
• Visit the nearest zonal or campus office to complete your biometric fingerprint capture.

After submitting everything, the SLTF team will review your application. You will receive an email notification once your application has been duly processed.

Final Thoughts

Applying for a student loan in Ghana has become more convenient through the digital system provided by the SLTF. With the right documents and careful attention to each step, students can secure financial support with ease. Remember to activate your account promptly, upload accurate information, and complete your biometric process to avoid delays.

Start early, follow the guidelines, and you’ll be one step closer to funding your tertiary education successfully.