Category Archives: HELB Portal

HELB opens window for applying for 2020/ 2021 undergraduate second and subsequent loans: Complete guide

The Higher Education Loans Board, Helb, has opened the window for submitting undergraduate students’ second and subsequent loan applications. This loan is available for all Kenyan students admitted in in Public and private universities in Kenya and the East African region. The deadline for submitting your loan application is June 30, 2020.

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REQUIREMENTS

For you to qualify for these loans you must meet the requirements below:

  • You must be admitted in a public or private university offering programmes that are recognized by the commission for university education, CUE.
  • You must be undertaking a bachelor’s degree; self-sponsored, parallel and module II programmes.
  • You must be a recent beneficiary of the undergraduate loans. (This is application is not available for first time applicants).
HOW TO APPLY

You can apply for the loan easily by using any of the methods below;

  • Using the HELB mobile app
  • Using the mobile USSD code *642#
  • Applying online
SEE ALSO;
USING THE HELB MOBILE APP

If you have a smart phone, then the cheapest way of submitting your application ;is by using the HELB mobile app:

  1. Download the mobile app from Google play. Just search for HELB in Google play and click ‘install’.
  2. Once successfully installed, register details.
  3. You will then be expected to read notes/ instructions.
  4. Now, select the loan application form.
  5. Fill in the details, correctly, and submit by clicking ‘OK’.
HOW TO REGISTER FOR LOAN MOBILE SERVICES.

Another way you can use to apply for the loan is by utilizing the mobile USSD code. Register by using the steps below:

  1. Go to your dialer on your mobile and enter *642# and send.
  2. Then Select/ enter 1 and send.
  3. On the next window prompts, provide your: First name, last name, National ID number, date of birth.
  4. Enter a PIN you can easily remember and confirm it.
  5. A registration success message will be displayed thus: “Thank you for registering with the HELB mobile platform. You will receive SMS Confirmation Shortly.”
  6. Then, proceed to make your loan application.
APPLYING ONLINE.

This is yet another method via which the loan application can be filed.

  1. Visit the Helb portal by visiting the link; https://portal.helb.co.ke/auth/signin
  2. Enter your email address and password then click ‘Sign in’.
  3. Select the loan application name to get the application form. Fill it and submit. (Only The Products in Green Background Are Open for Application. Click On Row Of The Loan Product You Wish To Apply For)

Official Higher Education Loans Board, Helb, Page

Higher Education Loans Board is a state agency under The Ministry of Education. The agency gives loans and bursaries to all undergraduate, Diploma, Certificate and Masters Students in tertiary institutions.

Students in the Kenya Medical Training College, KMTC, also qualify for Helb loans and bursaries.

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The government will now fund individual students in the newly unveiled funding model for universities and Technical and Vocational Education and Training (TVET) institutions which is said to be student-centred and quality-driven.

Kenya University and College Central Placement Services (KUCCPS) Chief Executive Dr. Officer Mercy Wahome said the new funding regime aims at enhancing equality, fairness and transparency in apportioning government scholarships and loans to those seeking University and college admissions.

While voicing the government’s commitment to safeguarding the quality of programmes and courses being offered at the institutions of higher learning, Dr Wahome indicated that the funding model was crafted to address the uniform and inequitable capitation witnessed under the differentiated unit cost (DUC) model, where the rich and the poor students received the same amount.

Unlike what has been the case, Dr Wahome explained that the universities and TVETs will no longer receive block funding in form of capitation based on the DUC whose sustainability had been a struggle following dipping in funding ratios from the government.

Instead, she added that the government resolved that university funding shall be apportioned to individual students according to their level of need.

According to the Universities Fund CEO Geoffrey Monari, the new funding formulae seeks to offer students whose households are at the bottom of the pyramid equal opportunity in accessing university education and technical and vocational education and training (TVET).

Under the new funding model, the government will fully fund the vulnerable students who include those living with disabilities where they will receive 80 per cent scholarships and 20 per cent loans.

The neediest students will receive 70 per cent scholarships and 30 per cent loans. The third category of needy students will receive 50 per cent scholarships, 30 per cent loans and 20 per cent of their fees will be met by their families. The last category of the less needy students will receive 32 per cent scholarships, 48 per cent loans while their households will pay the remaining 20 per cent of the fees.

Speaking in Naivasha during a media engagement workshop, the KUCCPS boss said students whose households are at the bottom of the pyramid shall enjoy equal opportunity in accessing university and Tvet education where their households shall not make any contribution towards the education of their children.

State Department for Basic Education Principal Secretary Belio Kipsang last week said the new funding regime will be based on four criteria, choice of the programme, household income band, affirmative performance and government priority areas.

To facilitate the implementation of the new framework, Dr Kipsang disclosed that the government had increased funding for university education to Sh84.6 billion from Sh54 billion allocated in the financial year starting July as loans and grants.

This he added translated to an allocation increase per student from Sh152,000 to Sh208,000. The budgetary allocation for Tvets will in the coming financial year increase from Sh5.2 billion to Sh10 billion, translating to Sh67,000 per year per trainee, he said.

Requirements for Government Scholarship application 

  1. A valid email address for the applicant (Student)
  2. Valid telephone number (must be registered in your name to apply for a loan)
  3. KCPE and KCSE index numbers and year of examination
  4. Passport size photo
  5. Copy of your National ID (for loan application)
  6. College/University admission letter
  7. Your parents’ registered telephone number
  8. Your parents’ national ID number
  9. Death certificate if any of your parent is deceased.
  10. Your birth certificate.
  11. Two guarantors’ (Can be your parents) ID numbers and registered telephone numbers (for loan application)
  12. Copy of the sponsorship letter if you were sponsored in Secondary school.

Download the application procedure.

Higher Education Finance Loan and Bursary Application guide: Hef, Helb and Universities Fund Portals

Higher Education Finance Loan and Bursary Application guide: Hef, Helb and Universities Fund Portals

Step 1: Visit www.hef.co.ke orwww.universitiesfund.go.ke or www.helb.co.ke and click on “Student Portal”.

Step 2: Confirm whether you have your National ID

Step 3: . Please enter your National ID if you have. Please enter your KCSE Index
number if you don’t have a National ID

Step 4: Enter a valid email address and password

Step 5: You have successfully created an account. Check your email (Inbox or Spam/ Junk) to activate your account

Step 6: Log in after email activation

Step 7: Enter valid Telephone number where a verification code will be sent. If the verification code expires, click resend button to get a new verification code

Step 8: Fill your profile & Update your Biodata

Step 9: Give consent to collection of your personal data

Step 10: Fill in your residence details. Then save to continue.

Step 11: Add your Secondary and Primary schools’ details.

Step 12: Add your University/ College details

Step 13: Fill in your parents’ details

Step 14: Submit your scholarship/loan request

Step 15: Consent to processing of your data.

Step 16: Accept loan terms and conditions.

Step 17: Updated guarantor details.

Step 18: Provide loan payment information as per the fields provided (Bank or mobile payment)

Helb loan allocation and disbursement – Ultimate Guide

Helb loan allocation and disbursement Guide.

HELB enhances equity in higher education by awarding loans and bursaries to needy Kenyan students. The Higher Education Loans Board (HELB) awards loans to students in institutions of higher learning to fund their education i.e. those students’ joining University as JAB or Self-sponsored.

This loans are not automatic and have to be applied for. Amounts awarded range between 37,000 minimum and 60,000 maximum based on the level of need.

The loan attracts interest of 4% p.a and the students are required to repay their loans on completion of their studies.

Students are advised to apply at least one month before the opening date to allow time for processing and remittance.

The application period is January to July every year.

 HELB PRODUCTS

  1. Loans – Repayable sum of money
  2. Bursaries – Non repayable/ monetary grant- There is no separate application for this bursary but qualification for it depends on the information provided on the HELB application form.

HELB therefore awards bursaries to the following:

  • Extremely needy students who benefit from loans;
  • Orphans;
  • Students from single parent;
  • Families and others who come from poor backgrounds will be given priority for the bursaries.
  1. 3Scholarships – Financial aid
  2. Managed funds – External resources mobilized from partners e.g. County governments, constituencies, K.R.A, ABSA Bank & other institutions. HELB manages these funds.

 

PRODUCT CATEGORIES & ELIGIBILITY

No. Product Type Eligibility Maximum number of loans Interest Rate
1  Undergraduate Loan Student admitted for undergraduate courses in approved institutions of higher learning recognized by CUE. Subject to approved course duration 4%
2 TVET Loan Students admitted for artisan, certificate and diploma courses in approved TVET institutions recognized by TVETA and other relevant regulatory bodies. Subject to approved course duration 4%
3 Jielimishe Students admitted in recognized institutions of higher learning and approved terms and conditions Once per year 10%
4 Afya-Elimu Loan Students admitted in pre-service certificate and diploma courses in approved MTCs recognized by relevant regulatory bodies Subject to approved course duration 4%
5 Partnership loan Refer to the respective MoUs and Service Contracts As per MoUs and Service Contracts As per MoUs and Service Contracts

 

UNDERGRADUATE & TVET REQUIREMENTS NEEDED TO APPLY FOR HELB LOAN

 

UNDERGRADUATE & TVET APPLICATION GUIDELINES

 

WHERE TO SUBMIT THE LOAN APPLICATION FORM

   Additional Points to Note

  • Tuition funds are disbursed directly to the School account
  • Upkeep funds are disbursed directly to the Student’s personal account (Use your own account)
  • Always ensure your Bank account number is active
  • HELB sends SMS/Email notifications after each process i.e. form verification, loan allocation and loan disbursement

 

ALLOCATION & DISBURSEMENT BREAKDOWN

Undergraduate Allocation Bands Loan (Kshs) Bursary (Kshs) (Undergraduate) Installment Tuition (Kshs) Upkeep (Kshs)
Minimum 37,000 4,000 Semester 1    4,000       16,000
Maximum 60,000 8,000 Semester 2    4,000        15,500
               PSSP     39,500
     
Undergraduate Allocation Bands Loan (Kshs) Bursary (Kshs) (TVET) Installment Tuition (Kshs) Upkeep (Kshs)
Minimum 37,000 4,000 Semester 1  26,400        6,800
Maximum 60,000 8,000 Semester 2        6,800

 

NB: PSSP & Bursary funds are paid at the beginning of semester two in one installment Kshs.500 is retained as administrative fees, see T&Cs on the Loan Application Form (LAF)

 

CAUSES OF DELAYS IN LOAN PROCESSING

  1. If it lacks any of the required documents and signature as listed on the last page of the Loan Application Form (LAF)
  2. If the applicant provides untruthful information ‘#Tellthetruth’

NB: Always ensure that all details provided are accurate

 

Quick Details Checks before submitting the application

  1. Institution (University name, admission number, student category (government/self-sponsored)
  2. Bank name and Bank account number – use your personal account
  3. Education background –Correct KCSE number and KCSE year
  4. Parental details

2022 TVET placement application now open – Kuccps latest news

Did you sit the KCSE exam between 2000 and 2021 and haven’t been placed by KUCCPS to undertake a TVET course? Our portal is now open for applications. Apply for a chance to pursue your career of choice under government sponsorship.

TVET placement application now open! Do you wish to join a TVET college under government sponsorship in the May 2022 intake? The application is now open! Log in to students.kuccps.net and apply before February 20, 2022.
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HELB LOAN APPLICATION SIMPLIFIED GUIDE

It is now very easy to apply for the Higher Education Loans Board, HELB, loans. You can apply for the HELB first time and subsequent loan using this simplified guide.

Type of Helb Loan Application

There are two types of undergraduate loan applications:

  1. First Time Application-This is for applicants who are applying for the first time.
  2. Second & Subsequent Application-This is for applicants who are applying for the second, third, fourth time as per the program duration

Note: The number of loans one is eligible for depends on the program duration. For example, one is given loan 4 times for a 4-year program or 5 times for a 5-year programme

How to apply for a HELB Loan as a First Time Applicant:

  1. Visit our website www.helb.co.ke to access the Student Portal and click on “create an account” to register.
  2. Once the account is created, log in and select the appropriate Undergraduate First Time Loan Application Form [LAF].
  3. Read the literature or view the videos on Financial Literacy and participate in the brief exercise online.
  4. Access and fill the loan application form.
  5. Print TWO copies of the duly filled Loan Application Form [Mandatory]
  6. Have the forms appropriately filled, signed, and stamped by the relevant authorities.
  7. Attach all the documents as per the checklist and present one copy of the duly filled Loan Application Form at:
    • Any of the following Huduma centers nearest to you: Bomet, Bungoma, Chuka, Eldoret, Embu, Garissa, Nairobi GPO, Kakamega, Kericho, Kilifi, Kisii, Kisumu, Kitale, Kitui, Lodwar, Machakos, Makueni, Meru, Migori, Mombasa, Murang’a, Nakuru, Nandi Narok, Nyeri, Taita Taveta, Thika and West Pokot for free and secure delivery; or
    • HELB Student Service Centre on Mezzanine 1, Anniversary Towers, University Way, Nairobi
  8. Retain a complete copy of the Loan Application Form [This is mandatory]

Note:

  1. Please ensure that you read, understand, and follow the instructions provided at the beginning of the online loan application process including reading and undertaking the HELB Financial Literacy Programme.
  2. It is recommended that students prudently manage their HELB loans once disbursed to cater for Tuition, books, stationery, accommodation, and subsistence.

Requirements

  1. A copy of the Applicant’s national ID Card
  2. Copies of the parents’ National ID Cards/death certificate where the parent is deceased
  3. Copies of both guarantors’ National ID Card
  4. A copy of the applicant’s admission letter and KCSE result slip/certificate
  5. A copy of the applicant’s Bank ATM/Bank card (for Government sponsored students only)
  6. A copy of the applicant’s Smart Card from the institution
  7. One recent colored passport size photograph of the applicant.

How to apply on the HELB App as a second and Subsequent applicant

  1. Applicants should visit Google play store and download the HELB Mobile Application.
  2. Register your details (First name, Phone, Email Address, National ID and KRA PIN number) on the HELB App to generate a PIN which you will use to log in and accept the license agreement. Ensure that you use the Safaricom number that you use for Mpesa transactions and it should be registered in your name
  3. Read the mandatory Financial literacy notes and undertake a brief Question & Answer to appreciate the purpose of credit. Scroll down to view results then click “proceed”.
  4. Click on loans then select undergraduate loans to get the Undergraduate Subsequent Loan Application Form [LAF].
  5. Follow each step to fill in the required details and submit. A pop-up message will appear to show that you have successfully applied. The loan serial number will also be displayed

NB: You will be required to pay Kshs. 1 from your MPESA account during the application process to verify your telephone number.  Please note, the application is paperless hence no printing.

  1. Students that are not Safaricom subscribers will be directed to the Portal and apply using the application form, after which they will be required to print and submit the form to the HELB Student Service Centre on Mezzanine 1 Floor at Anniversary Towers

Please ensure that you read, understand, and follow the instructions provided at the beginning of the online loan application process including reading and undertaking the HELB Financial Literacy Program

Eligible students

  1. Recent beneficiaries of the Undergraduate Loan
  2. Students placed by the Kenya Universities and Colleges Placement Service [KUCCPS] in the local public and private universities
  3. Self-Sponsored, Parallel and Module II Students studying for a Bachelor’s degree only [Certificate, Diploma, Pre-University and Postgraduate students ARE NOT ELIGIBLE FOR THIS PRODUCT]

Loan award

The maximum Undergraduate loan awarded is Kshs. 60,000. For the students placed by Kenya University and Colleges Central Placement Service (KUCCPS), the loan amount is split to cater for both Tuition fee and Upkeep. A standard amount of Kshs. 4,000 for Government sponsored students only is deducted from the loan awarded and disbursed to the university per semester, for tuition [Total Ksh 8, 000] and the rest is sent to the applicant’s bank account as upkeep.

For the Self sponsored students, all the money is sent directly to the university once a year as tuition fees.

An Administrative Fee of Ksh. 500 per year is charged on the loan awarded and it is therefore deducted from the disbursed loan. A limited number of needy government sponsored students receive a bursary of between Ksh. 4, 000 and Ksh. 8,000 per year. The Bursary is paid to the university as tuition.

Repaying the Undergraduate Loan

Undergraduate loan repayment starts within one year of completion of studies or within such a period as the Board decides to recall the loan, whichever is earlier. However, one can make voluntary payments before or after completion of studies to reduce the loan balance. HELB UG Loans are charged 4% interest per annum and is repayable up to a maximum of 120 months.

How to apply for HELB Post Graduate Scholarships for Masters and PHD students: Plus Requirements

Are you a Kenyan Student pursuing a masters or Doctoral Course in Kenya? Do you have constraints in raising your university fee and need a Scholarship? Well, the Higher Education Loans Board, HELB, awards partial scholarships to Kenyans pursuing postgraduate programmes (Masters or Doctoral) in both local Public and Private Universities recognized by the Commission for University Education [CUE]. The value of the scholarship award is Kshs.200,000 and Kshs.450,000 for Masters and PhD programmes respectively, tenable for 2 years in respect of the Master’s Programme and 3 years for the PhD.

Related News: Guide to the helb mobile short code used for loan repayment application and disbursement status

Eligibility:

In order to qualify for these scholarships you need the following:

  • Letter of Admission into a full or part time program
  • Minimum of Second Class Upper Division.
  • Reporting for 1st year of study
  • Preference will be given to applicants undertaking Science, Technology, Engineering and Mathematics and programmes which will directly contribute to the “Big Four Agenda”
  • If HELB loan beneficiary, the applicant MUST be repaying his/her loan or has cleared the same.

Here are links to the most important news portals:


The application Form and where to submit it.

The HELB Postgraduate Scholarship application form is accessible from the Student Portal upon registration. The application runs from May-July every year. The applicant is required to correctly  fill in his/her details, print two copies of the application form, appropriately have it duly signed and stamped by the relevant authorities and attach all the necessary documents as indicated on the checklist.

Submit one copy of the form at HELB Student Service Centre, Anniversary Towers and select Huduma Centres. Applicant should retain one copy of the duly filled form for their records.

Important points to Note:
  • Geographical distribution and gender is considered during the Scholarship Award.
  • Applicants from marginalized regions are highly encouraged to apply.
  • A non-refundable application fee of Kshs.3,000 is to paid directly to HELB Operations A/C NO  1104823047 KCB University Way Branch
  • Do not pay any individual to process your HELB Scholarship Application.

Do not hesitate. Make your application today so as HELB relieves your financial burden. Click on this link to access the official HELB application portal; https://portal.helb.co.ke/

Helb loans; Students protest move to oppose making the loans cheaper

A section of University students from Murang’a County have expressed their frustrations over the rejection of the Higher Education Loans Board (HELB) Amendment Bill in Parliament.

The learners allied to Murang’a University Students Association (MUSA) condemned the lawmakers who rejected the bill saying the ongoing political affiliations in the education committee are misplaced priorities.

Led by their spokesperson Laban Macharia, the students said they will be writing a protest letter to the Speaker of the National Assembly because the move by parliament has denied university students a chance to improve their living standards.

The rejected Bill sought to increase the grace period for repayment of loans from one year to five years and decrease the loan interest from four to three per cent in order to help university students better their lives while in campus and after finishing their studies.

Parliamentary Committee on Education rejected the bill on grounds that, if the said proposals are affected the Board stands to lose Sh693 million annually and Sh4.3 billion in five years.

“The ongoing political divide should not be used in any way by legislators to settle their political scores, comrades are suffering in campus due to the high cost of living that has already been made worse by Covid-19,” Macharia said.

Another students’ leader, Felister Wanjiku, also castigated the Members of Parliament for failing to consider the lives of struggling youths who just graduated from school and have to pay loans even before being employed.

The students, however, lauded Embakasi East MP Babu Owino’s move to re-introduce the bill in Parliament after six months and urged other legislators to support it.

Students who do not secure jobs immediately after completing their studies will be shielded by the Bill as they would have a five-year grace period before they start repaying their loans as well as avoid a Sh5, 000 monthly penalty HELB imposes on defaulters.

SEE ALSO;

AIC Kijabe Hospital Helb Fund

AIC Kijabe Hospital Fund

Eligibility

For students and staff of AIC Kijabe, College of Health Sciences.

Terms and Conditions

  1. Online application in the HELB portal.
  2. Allocation amount is determined by the institution
  3. Kshs. 500.00 Administrative fee is charge
  4. 4% interest rate.
  5. Recovery is based on the HELB loan recovery process and procedure.

Requirements

Duly filled Loan Application Forms

The Universities Fund Portal Login; Scholarship and Loans Application Guidelines

The Universities Fund was established under section 53 of the Universities Act, 2012 for financing Universities in Kenya. The Fund is managed by a Board of Trustees known as the Universities Funding (UF) which has been in operation since 2016. The function of the Trustees is to generally manage the Universities Fund.

The specific functions of the Trustees are to: advise the Cabinet Secretary in matters of University Education Financing; develop a fair and transparent criterion for allocation of funds to Universities.

Government Funding Eligibility

Univeristies Eligible
All Universities accredited by the Commission for University Education (CUE) are eligible for government funding. Universities with letters of interim authority are also eligible for funding. The Universities that benefit from this funding must offer training and research programmes that are approved by CUE and are aligned to the national priority areas as expressed by government policy from time to time.

Students Eligiblefor Funding
The following are the categories of students eligible for government funding in accredited universities in Kenya:
  1. Students who after sitting for KCSE are placed by KUCCPS to pursue undergraduate degrees in accredited public and private universities and take up their admissions in the year of placement. Students in undergraduate programmes qualify for funding approved duration of the programmes which varies from 4 to 5 years depending on the degree programme.
  2. Students who are placed by KUCCPS to pursue undergraduate degrees in public and private universities upon completion of Diploma programmes recognized by the Kenya National Qualifications Authority (KNQA).
  3. Students who are placed in Masters Programmes by KUCCPS and/or admitted by Universities are eligible for funding for a maximum duration of two years.
  4. Students who are placed in Doctorates programmes by KUCCPS and/or admitted by Universities are eligible for funding for a maximum duration of 3 years.

CHECKLIST FOR APPLICATION FOR SCHOLARSHIP AND LOAN

  • A valid email address.
  • Valid telephone number (must be registered in your name to apply for a loan).
  • KCPE and KCSE index numbers and year of examination.
  • Passport size photo.
  • Copy of your National ID (for loan application).
  • College/University admission letter.
  • Your birth certificate
  • Your parents’ registered telephone number.
  • Your parents’ national ID number.
  • Death certificate if any of your parent is deceased.
  • Two guarantors’ ID numbers and registered telephone numbers (for loan application).
  • Copy of the sponsorship letter if you were sponsored in Secondary school.

CONTACTS

Are you a Helb loan beneficiary? This is all you need to know and do concerning your loan repayment and clearance

Individuals who are beneficiaries of the Higher Education loans Board, Helb, loans sometimes face penalties related to late repayments due to lack of clear guidelines or information. The guide below will assist you to know all information related to helb loans repayments.

How often do you send Loan statement?.

To know your loan status visit our website: Helb Loan

What are the modes of repayment?

Check off system, Credit card, Standing order, Cash/Cheque deposits to HELB Account, Mpesa

How do I pay my loan from abroad?

Credit card or Direct Transfer to HELB account number 300 040 012, Citibank Nairobi. Swift code CITIKENA

What happens if I default?

You will be penalized. For each month that remains unpaid you pay a fine of not less than five thousand shillings.

Can you clear in one installment?

Yes, without any extra charges.

Why charge ledger fees?

For maintenance of the account.

What happens when I clear my loan?

You will be issued with a certificate of clearance.

How do you tell where I am?

Within one year of completion of your studies or earlier you are supposed to inform the Board of your whereabout.

What happens if I overpay?

HELB shall refund the overpayment.

How long does it take to get a refund?

A maximum of one month

What if I die before clearing the loan?

HELB can waive the loan upon request from your next of kin.

What happens if I change employers?

You continue paying with the new employer.

Loans are not recoverable after six years. Is it applicable in your case?

No.

Can interest be waived for Muslims?

No. Accepting to pay interest is one of the conditions to qualify for the loan.

Do you repay the loan if you are on probation?

Yes.

How do you determine the monthly deduction rate?

We are supposed to deduct up to 25% of the basic Salary.

Payslip balance does not tally with that in HELB statement?

Payslip balance includes both accrued and projected interest. HELB balance includes accrued interest.

My payslip balance reads zero, does that mean I have cleared loan repayment?

Not necessarily. Please confirm with your loan statement and seek clearance from HELB.

Does my employer need authority from me to make loan deductions?

No.

Can I instruct my employer to start deductions without first consulting HELB?

No.

My employer stopped deductions from my pay, that’s not my mistake.

Loan repayment is your responsibility. Please keep track of your repayment until completion..

What happens if an employer does not remit the deductions made?

A penalty 5% per month is charged on the employer for every deduction that remains unpaid.

How do I receive my completion certificate?

1.Send an email requesting for your statement to [email protected]
2.Call our contact centre on 0711052000

No Query Response

1.Access the HELB website and enter your ID number
2.Send an email to [email protected] requesting for your statement

How can I repay my loan?

  1. By depositing cash or cheque into the HELB collection accounts
    2.By direct debit
    3.By credit card
    4.By a standing order through your credit card
    5.Via Mpesa pay bill number 200800
    Note: Details on how to execute the above can be obtained from the loan repayment information section of the HELB website

How do I forward a query to HELB

1.Download the enquiry form from the HELB website, fill it out and email it to [email protected]
2.Access the HELB website and enter your ID number to obtain the name of your account manager and call 0711052000

Related Content;

HELB Undergraduate loans; complete guide to all questions on helb students’ loans

University Students to hold demos over delayed disbursement of Helb Loans

University students are struggling with capitation following delayed Higher Education Loans Board, HELB, Funding with the body yet to disburse cash from last semester’s batches.

Students depending on Higher Education Loans Board (HELB) for upkeep and tuition fees are staring at a bleak future, as the new semester commenced.

Capitation for university students was last semester not disbursed to most, following the contentious new funding model, which the high court eventually ruled unconstitutional and illegal.

Student leaders have now issued a stern warning, threatening to lead protests starting Wednesday, January 15th, if the government fails to address three critical issues.

Prioritized among the issues is the HELB Funds. According to the student leaders, University students have decried government’s laxity at release the crucial funds, which they depend on to pay tuition, rent and buy meals.

Speaking to JULISHA MEDIA on Tuesday, January 7, 2024, Brenda Mukami, a second year student at the South Eastern Kenya University (SEKU) revealed that last semester’s examinations have kicked off this week, but she will not be sitting for her papers over fees arrears.

” I expected HELB would disburse my Upkeep to back by December so that I could pay my fees balance and sit for exams this week, now I have to defer the semester all together.” She lamented.

On the other hand, Geoffrey Kagwe, a third year University of Nairobi (UoN) Student stated that his landlord has given him an ultimatum to pay his rent before 10th of January, which he had hoped to offset using his HELB Upkeep Funds.

” I will be going to the streets to join other comrades. Students from humble backgrounds are struggling over delayed funds and education is our only way out of poverty. My parents depend on casual labour, which is not guaranteed to support me and my siblings, HELB is crippling my chances at a brighter future” said Kagwe.

In a ruling delivered on Friday, December 20, Justice Chacha Mwita ruled that the new University funding model was discriminatory to students.

The judge opined that in the new funding model, the burden of funding the university and colleges had been passed to the parents.

Additionally, the judge noted that no public participation was conducted before the model was rolled out.

“It should have been subjected to the public so that the public comments before its implementation,” the judge ruled.

Concern was also raised over the various classifications/ bands used in determining the money to be allocated to students by the government.

“The petitioner further aver that the Funding Model discriminates against millions of students who are subjected to arbitrary classifications that are not based on merit or qualification, but on the financial ability of the students,” read the statement in part.

“The petitioner aver that these classifications will lead to many deserving students being unable to apply for funding if they do not fit in the narrow categories that the new model sets out.”

University Students in Kenya have been struggling to pay their Tuition Fees following the Introduction of the New Funding Model.

Reports indicate 50,000 university students across the country have been on the blink of dropping out of Higher Learning institutions, with other’s unable to enroll over the Household Fees required.

The new Higher Education Funding Model (HEF) was recently introduced by the Ministry of Education, as part of an effort to streamline financial support for students.

The Model, was Aimed at creating a more equitable distribution of funds, the model was designed to reduce bureaucratic hurdles and ensure that financial aid reaches those who need it most.

However, its rollout was met with significant criticism, as many students are finding themselves either ineligible for financial aid or experiencing delays in the disbursement of funds.

HELB, Higher Education Loans Board, has been issuing Kenyan University students upkeep loans, based on how needy their families are, according to the New University Funding Model.

Students joining Public Universities and Categorized as the Most Needy, depending on their families income, under the new model, would receive HELB upkeep loans amounts of UpTo Ksh 60,000 per Academic year.

The new funding model was grouped into five bands depending on the family’s income level.

The band any student belongs to depends on the amount the applicant placed as family income while applying for a scholarship.

Band One, the most needy group, consists of a family whose income is not beyond Sh5,995.

Under this category, the government scholarship would cover 70 per cent of the fees while the loan covers 25 per cent, making the total support 95 per cent.

The family would pay 5 per cent of the fees and the student receive an upkeep loan from Helb of Sh60,000.

In Band Two, the government grouped families whose income does not surpass Sh23,670 but is above Sh5,995.

In this category, the government scholarship covers 60 per cent while the loan covers 30 per cent.

The family pays 10 per cent of the fees. Under this category, the student would receive an upkeep loan of Sh55,000.

In Band Three, the government classified families whose family income does not pass Sh70,000 but it is above Sh23,670.

In this category, the government scholarship covers 50 per cent, while the loan will cover 30 per cent.

The family will contribute 20 per cent of the fees supposed to be paid. Students in the category will receive an upkeep loan of Sh50,000.

In Band Four, the government grouped families whose income does not exceed Sh120,000 but is above Sh70,000.

In this group, the government scholarship would cover 40 per cent while the loan covers 30 per cent.

The family pays 30 per cent of the fees.

In Band 5, the government grouped families which earn more than Sh120,000. In this category, government scholarship pays 30 per cent of fees.

They receive 30 per cent of the fees as a loan while their families will be required to pay 40 per cent of the fees.

Followed by Hiked University Tuition Fees, The financial strain has forced some students to consider dropping out of their programs, effectively jeopardizing their long-term career prospects. University Students from low-income backgrounds are particularly affected, as they often rely heavily on financial assistance to pursue higher education.

Meanwhile, Lecturers in the country have given the government a two-week ultimatum from January 1st, 2025, in yet another looming strike action by the dons.

The lecturer’s body, University Academic Staff Union (UASU) wants the government to pay December salaries, according to the agreed terms, alongside all arrears from September, failure to which they’ll proceed on strike on January 15th, 2025.

UASU Organizing Secretary Onesmus Mutio expressed the union’s disappointment over the government’s failure to honor its commitments.

“The government did not honor the return-to-work formula and therefore we were forced to go back on strike in November 2024. We agreed that the new salaries for university lecturers would be implemented in December and that we would also receive arrears for October and November,” said Mutio.

In December 2024, the lecturers received their salaries without any increment despite a directive by Education Principal Secretary Beatrice Inyangala to pay salaries and increments agreed upon by the two parties.

The directive was meant to align with the 2021-2025 collective bargaining agreement (CBA).

“We saw a circular from the PS (Beatrice Inyangala) directing the universities to prepare to pay the new salaries in December but again as the university dons went for Christmas without the new salary as expected,” added Mutio.

Mutio lamented that the government has refused to keep its word twice, further calling on the Education CS Julius Ogamba to resign for failing to implement the payments.

“How can you promise dons that you are going you pay them then go back to your office and continue business as usual?” posed Mutio.

The dons’ ultimatum, if effected, would be the first strike action by lecturers in the year 2025.

Students in Public Universities across the East African Country, spent over a month last semester, without setting Foot in class following the employees Industrial Action. As Campuses went on the Christmas Break, Students were yet to sit their end of Semester Exams.

HELB loans disbursement, amount awarded, application procedure and requirements: Full details

The Higher Education Loans Board, Helb, advances loans to students in Higher Learning institutions. These loans are given on yearly basis both to regular and self sponsored students. Regular students are placed by the Kenya Universities and Colleges Central Placement Service, Kuccps.

UNDERGRADUATE LOAN (DIRECT ENTRY STUDENTS)

These loans are for students joining public or private universities within the East African Community directly from high school either through the Kenya Universities and Colleges Central Placement Service (KUCCPS) or as self-sponsored. Amounts awarded range between Kshs.40,000 minimum and Kshs.60,000 maximum based on the level of need. The loan attracts interest of 4% p.a and the students are required to repay their loans on completion of their studies. Students are advised to apply at least one month before the opening date to allow ample time for processing.

Type of Loan Application

There are two types of undergraduate loan applications:

  • First Time Application- This is for applicants who are applying for the first time.
  • Second and Subsequent Application- This is for applicants who are applying for a second, third, fourth time as per the program duration

The number of loans one is eligible for depends on the program duration i.e. one is given loan 4 times for a 4 year program.

Application guide

Here are links to the most important news portals:

Management of HELB Loans

Students are advised that the loans should be used mainly for:

  • Tuition,
  • Books and stationery,
  • Accommodation and subsistence.

Students are advised to desist from diverting the funds to leisure or other family obligations.

Loan Award

The loan awarded ranges from a minimum of Ksh.40, 000 and a maximum of Ksh.60, 000.

For those placed by Kenya University and Colleges Central Placement Service (KUCCPS), the loan amount is split to cater for both Tuition fee and Upkeep while the Self sponsored students, the money is sent directly to the university once a year as tuition fees.

A standard amount of Ksh4, 000 for Government sponsored students only is deducted from the loan awarded and disbursed to the university per semester for tuition [total Ksh8, 000] and the rest is sent to the applicant’s bank account as upkeep.

An Administrative Fee of Ksh500 per year is charged on the loan awarded and it is therefore deducted from the disbursed loan.

A limited number of needy government sponsored students receive bursary of between Ksh4, 000 and Ksh8, 000 per year. The Bursary is paid to the university.

Requirements
  • A copy of the Applicant’s national ID Card
  • Copies of the parents national ID Cards/death certificate where the parent is deceased
  • Copies of both guarantors’ national ID Card
  • A copy of the applicant’s admission letter and KCSE result slip/certificate
  • A copy of the applicant’s Bank ATM/Bank card (for Government sponsored students only)
  • A copy of the applicant’s Smart Card from the institution
  • One recent colored passport size photograph of the applicant.

Repaying your Student Loan

Undergraduate loan repayment starts within one year of completion of studies or within such a period as the Board decides to recall the loan whichever is earlier. However, you can make voluntary payments before or after you complete your studies to reduce your loan balance.

Note:

  • Loans are charged 4% interest per annum
  • Loan repayment commences one year upon completion of studies or as deemed fit by HELB.
  • The loan is repayable up to a maximum of 120 months.

Apply Now

Submission of Under Graduate  Loan Application Forms