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1. What is a Loan? *
A loan is a sum of money borrowed to be repaid with interests as per terms and conditions given by the lender.

2. How does one access the HELB Loan? *

To access the HELB loan, one must make an application and submit the same for processing.

3. Must one apply for a HELB Loan? *

It is not compulsory to apply for a HELB loan if one has alternative sources of financing their education. Only apply for the loan if you need financial assistance during your studies.

4. Who qualifies to apply for a HELB loan? *

A government sponsored or privately (self) sponsored student in a recognized institution of Higher Learning can apply for HELB loan at any stage of their academic program as long as they are within their allowable loans for course duration.

5. I am below 18 years, Can I access HELB Loan? *

Until I am 18 years of age and holder of a KENYAN NATIONAL ID card, I CAN NOT access HELB Loan. The loan is a legally binding agreement between HELB and the applicant. I cannot use another person’s National ID to apply for the loan because it is illegal.

6. What do I do if I am unsatisfied with my previous loan award? *

If not satisfied with loan award, I may appeal/ request for review of my loan award if amount sought is within the applicable loan limit.

7. How much is charged as loan Interest? *

HELB offers Undergraduate direct entry, TVET and Afya Elimu loans which are repayable at an interest rate of 4% p.a.

8. The following is a list of expenditures. Which one is applicable on how HELB loan should be utilized? *

9. A loaneee has the following obligations, which one is NOT true *

10. Which one of the following statements is False? *