midnight commander and ssh sftp

[fbsd_user]

The midnight commander, command line GUI can access remote FTP
by entering  this command,
cd ftp://user:pw@url in midnight commander's command line.

I really like this function, but for security reasons I have
to use SSH to remote login to my ftp server. Using client SSH I
am forced to use ftp native line commands.

I would really like to use midnight commander's GUI panel with sftp
in SSH.
Entering "cd ssh url" into midnight commander's command line just
generates an error.
Is there some way to be able to use midnight commander through a SSH
tunnel?

Thanks