Frequently Asked Questions

Applying For a Study Loan

The Fund offers the following types of Financial Assistance:

A. Student loans:
This financial assistance covers tuition fees, transportation, textbooks and accommodation. The loan is repayable to the Fund upon completion of studies and secured employment.

B. Scholarships:
A scholarship can be granted on full or partial basis and is non-repayable.

For a full scholarship the Fund will cover full tuition, registration fees, textbooks and living expenses.

For a partial scholarship the Fund will cover full tuition, registration fees and textbooks. Living expenses should be catered from a different source.
Online applications are open From November each year. Students are encouraged to make sure all documents are uploaded during the application period.
* No manual application forms will be accepted during the application process.

* Funding requirements can be found on the NSFAF website and various brochures distributed in all regions.

*Applications are strictly online.
Closing dates are publicized during every application period via social media, print media, radio and the NSFAF website.
Applicants are encouraged to visit the NSFAF website and follow the 'apply for financial assistance' link.
Through an applicable application tile on NSFAF website (www.nsfaf.fund).
1. Undergraduate 2018 Grade 12

a. Full Birth Certificate
b. Namibian ID
c. Mother's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
d. Father's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
e. Parents IDs (scan both ID's in 1 pdf document. If deceased, death certificate(s) (scan documents in 1 PDF document).
f. If you are 28 years or older, proof of own income if employed (if unemployed, declaration from Commissioner of Oaths).

2. Undergraduate 2012 to 2017 Grade 12

a. Full Birth Certificate
b. Namibian ID
c. Grade 12 Certificates (scan into 1 pdf document)
d. Mother's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
e. Father's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
f. Parents IDs (scan both ID's in 1 pdf document. If deceased, death certificate(s) (scan documents in 1 PDF document).
g. If you are 28 years or older, proof of own income if employed (if unemployed, declaration from Commissioner of Oaths).

3. Undergraduate Prior to 2012 Grade 12

a. Full Birth Certificate
b. Namibian ID
c. Grade 12 Certificates (scan into 1 pdf document if more than one)
d. Mother's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
e. Father's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
f. Parents IDs (scan both ID's in 1 pdf document. If deceased, death certificate(s) (scan documents in 1 PDF document).
g. If you are 28 years or older, proof of own income if employed (if unemployed, declaration from Commissioner of Oaths).

4. Undergraduate Foreign Grade 12

a. Full Birth Certificate
b. Namibian ID
c. Grade 12 Certificates (scan into 1 pdf document if more than one)
d. Letter of evaluation for international foreign qualification from Namibia Qualification's Authority (NQA)
e. Mother's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate. <br. f. Father's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
g. Parents IDs (scan both ID's in 1 pdf document. If deceased, death certificate(s) (scan documents in 1 PDF document).
h. If you are 28 years or older, proof of own income if employed (if unemployed, declaration from Commissioner of Oaths).

5. Undergraduate Mature Age

a. Full Birth Certificate
b. Namibian ID
c. Grade 10 Certificates (scan into 1 PDF document if more than one)
d. Mature Age Official Results from UNAM or NUST only
e. Proof of working experience
f. Proof of Income or Certificate of Services

6. Undergraduate Grade 12 Diploma
a. Full Birth Certificate
b. Namibian ID
c. Grade 12 Certificates (scan into 1 pdf document if more than one)
d. Mother's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
e. Father's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
f. Parents IDs (scan both ID's in 1 pdf document. If deceased, death certificate(s) (scan documents in 1 PDF document)
g. If you are 28 years or older, proof of own income if employed (if unemployed, declaration from Commissioner of Oaths).

7. Postgraduate

a. Full Birth Certificate
b. Namibian ID
c. Grade 12 Certificates (scan into 1 pdf document if more than one)
d. Academic Record, Proof of first degree and letter of accreditation for international foreign qualification from NQA (scan all documents into 1 pdf)
e. Proof of own income if employed. If unemployed, declaration under oath.

8. Government or SOE owned VTCs, Local

a. Full Birth Certificate
b. Namibian ID
c. Grade 10 and/or Grade 12 Certificates (scan into 1 pdf document if more than one)
d. Letter of evaluation for international foreign qualification from Namibia Qualification's Authority (NQA)
e. Mother's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
f. Father's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
g. Parents IDs (scan both ID's in 1 pdf document. If deceased, death certificate(s) (scan documents in 1 PDF document).
h. If you are 28 years or older, proof of own income if employed (if unemployed, declaration from Commissioner of Oaths).

9. Privately Owned VTC/HTC, Local

a. Full Birth Certificate
b. Namibian ID
c. Grade 12 Certificates
d. Letter of evaluation for international foreign qualification from Namibia Qualification's Authority (NQA)
e. Mother's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
f. Father's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
g. Parents IDs (scan both ID's in 1 pdf document. If deceased, death certificate(s) (scan documents in 1 PDF document).
h. If you are 28 years or older, proof of own income if employed (if unemployed, declaration from Commissioner of Oaths).

10. VTC/HTC SADC Tile

a. Full Birth Certificate
b. Namibian ID
c. Grade 12 Certificates
d. Admission Letter
e. Letter of evaluation for international foreign qualification from Namibia Qualification's Authority (NQA)
f. Mother's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
g. Father's proof of income. If unemployed, declaration from Commissioner of Oaths. If deceased, death certificate.
h. Parents IDs (scan both ID's in 1 pdf document. If deceased, death certificate(s) (scan documents in 1 PDF document).
i. If you are 28 years or older, proof of own income if employed (if unemployed, declaration from Commissioner of Oaths).
  • 25 points in Grade 12 in five subjects, with an F symbol in English in Namibia.
  • 30 points in Grade 12 in five subjects, with an E symbol or better in English for study at Regional / International institution.
  • 35 points in Grade 12 in five subjects, with an E symbol or better in English for study towards Engineering and Medicine at Regional / International institution.
  • Post-Grade 12 qualification evaluated at NQF Level 5 with 20 points in Grade 12 in five subjects, with an F symbol in English.
  • 22 points in six subjects at Grade 10 level for vocational training programme.
  • Mature age entry certificate and 23 of age
NQA accredited local and international institutions of higher learning. However, NSFAF only recognizes the following institutions of higher learning in the following countries:

Russia: Peoples’ Friendship University, First Moscow State Medical University and Saint Petersburg Engineering Academy,
Ukraine: O.O. Bogomolets National Medical University, Vinnitsa National Medical University and Kharkiv National Medical University,
India: JSS University and Oxford Nursing College.
China: Only for postgraduate and research students.
Notification through SMS and email. Please ensure that you provide valid cellular phone number and email address during the application process.
Students registered with a recognized VTC should apply for financial assistance through the normal online application process.
Yes, provided that you meet all requirements for funding and the programme of study is in line with the undergraduate field that was previously funded.
Priority Field of studies are published annually for the purpose of granting financial assistance. The fields can be found on the NSFAF website.
On submission of proof of registration, a certified copy of the previous year’s academic records and receipt of a valid invoice from the institution of high learning.
No, the fund does not pay for repetition, but will re-activate the funding once one has progressed and submitted proof to that effect.
No, NSFAF will only cover the amount as per approved rates and as indicated on the award letter. Students should find other means to cover the shortfall.
A return flight ticket may be issued, provided that such internship is an integral part of the curriculum leading to graduation.
All loans are repayable upon completion and gainfully employed.
Within six months of completing studies and secure employment. If a student cannot find employment, he/she may postpone repayment by notifying NSFAF in writing.
What is the process of paying back a loan?
  • Complete contact details, indicating postal and residential addresses including actual and permanent residence;
  • Details of his/her employer and employment status;
  • Student’s consent to the Loan/Grant agreement for loan deductions after the completion or cancellation of studies;
  • Any change in contact details, employment status and details of his/ her employer.

Paying Back my Loan

Yes, if it was a loan. For the Income Contingent Loan, the repayments start when the individual is employed. By paying back your NSFAF study loan, you are assisting someone else who needs it just as much as you did.
  • The time required to start repaying is within six months of completing studies. If a student cannot find employment, it is possible to postpone repayment; in such a case, the request for postponement of repayment must be made to the Board of NSFAF in writing.
  • Immediately once the beneficiary has secured employment and earning a taxable amount
  • When the student has not completed their studies and thus committed breach of contract
    The student must consult with NSFAF and provide the Fund with the following information:
  • Complete contact details, indicating postal and residential addresses including actual and permanent residence;
  • Details of his/her employer and employment status;
  • Student’s consent to the Loan/Grant agreement for loan deductions after the completion or cancellation of studies;
  • Any change in contact details, employment status and details of his/ her employer.
  • Also Refer to NSFAF Student Loans Repayment Guide
Statements are send via emails once each month.
Direct Bank Deposits
Salary Deductions
Electronic Funds Transfer
Debit Orders

BANK DETAILS:
Account Name: NSFAF
Account number: 800 484 589 4
Branch Code: 482 172
Bank Name: Bank Windhoek
If the beneficiary resides abroad, he/she can pay by Electronic Funds Transfer into NSFAF Recovery Account and email proof of payments to the respective consultant dealing with his or her account.
The loan is charged a compounded interest. Therefore when one defaults they suffer a compound interest charged on the account.
Yes, One can make the loan settlement at an installment procedure.
There are no ledger fees charged on all NSFAF student loans.
You will be issued with a Redeemed Letter/ certificate of clearance.
NSFAF will refund the amount overpaid by debtor.
NSFAF can waive the loan upon request from your next of kin. The request should be in writing and substantiated with a certified copy of the death certificate.
If the beneficiary was paying through employer’s deduction, a new arrangement can be made with the new employer for the salary deduction to continue. If the beneficiary was paying through other methods like direct deposit, debit orders and EFT the payment shall continue until the loan is redeemed.
Loans are recoverable as long as the debtor did not raise a case of prescription. The Prescription Act states 15 years in respect of any debt owed to the state and arising out of an advance or loan of money from the date the loan become payable. Any other loan of money prescribes after 3 years.
We encourage the debtor to pay an amount covering a portion of the loan capital and interest charged per month. For example, if the interest charged on an account is NAD 250, we will encourage the person to pay a minimum of NAD 500 towards loan recovery.
Yes, your employer can only do deductions with the consent of the employee.
Loan repayment is your responsibility. Please keep track of your repayment until completion.
  • When the debtor’s annual earnings fall below a taxable income threshold.
  • When the debtor becomes unemployed.
  • When the debtor becomes incapacitated due to medical conditions.
  • When the debtor dies.
  • When debtor goes for further studies without an income.



Remember: It is your legal responsibility to keep in touch with NSFAF and to inform us of any change of address and payment.change of address.

For more information, contact us at
Tel: +264 61 445 811/2/4/5
Email: recovery@nsfaf.na

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