About student loans
SRLS provides interest-free tuition loans to eligible students on approved programmes at participating institutions.
The first application cycle supports new and continuing students enrolled in accredited bachelor's degree programmes at The Gambia's four public universities.
The Scheme is there to remove financial barriers to higher education while keeping a financing model that can last. For the first application cycle, the loan covers tuition costs.
Undergraduate Degree Tuition Loan
Full tuition coverage for accredited bachelor's degree programmes at The Gambia's four public universities with no interest and structured repayment terms.
0.00%
100% Interest-free revolving fund
Full Tuition
Paid directly to your institution
A loan is not a grant
A student loan is not a grant and it is not a scholarship. It is money you have to pay back, on the terms SRLS sets.
First loan application cycle, 2026/2027 academic year
15 September 2026
30 September 2026
Online, through the SRLS Loan Management System
New and continuing students
Accredited bachelor's degree programmes
Civil Service University (CSU), University of Education, The Gambia (UEG), University of Applied Science, Engineering and Technology (USET), and The University of The Gambia (UTG)
Tuition fees
None. The loan is interest-free.
Get your documents and your guarantors' details together before the application window opens.
How the Loan Cycle Works
Check Eligibility
Ensure you are a Gambian citizen aged 18+ admitted to CSU, UEG, USET, or UTG.
Prepare Documents
Gather your ID, admission letter, WASSCE/transcript, character certificate, and address proof.
Confirm Guarantors
Speak with your primary and secondary guarantors to secure their verified documentation.
Submit Online
Fill in the structured 6-step form on the SRLS portal before the cycle closes.
Statutory Scheme
Established under the SRLS Act, 2025
Zero Interest
Repay only the exact tuition amount borrowed
1-Year Grace Period
Repayment begins 12 months after graduation
Direct Disbursement
Funds disbursed directly to your university