The Kenya Higher Education Loans Board (HELB) is a government agency that provides financial assistance to Kenyan students pursuing higher education. HELB loans are designed to cover tuition fees, accommodation, books, and other education-related expenses, making higher education more accessible to students from different financial backgrounds.
This comprehensive guide explains how to apply for a HELB loan, covering eligibility requirements, types of loans, the application process, required documents, and repayment options.
What Is HELB and Why Is It Important?
HELB is the primary student loan provider in Kenya, established to help students access affordable financing for higher education. It benefits:
✔ Government-sponsored students (KUCCPS-placed students).
✔ Self-sponsored students.
✔ Students studying at universities and TVET institutions.
✔ Postgraduate students seeking financial aid.
HELB loans offer low-interest rates, flexible repayment terms, and an opportunity to complete education without financial strain.
Types of HELB Loans in Kenya
HELB provides different types of loans depending on a student’s level of education and financial need.
1. Undergraduate HELB Loans
✔ Available to government-sponsored and self-sponsored students in public and private universities.
✔ Covers tuition, accommodation, books, and living expenses.
✔ Repayment begins one year after graduation.
2. TVET HELB Loans
✔ Designed for students in Technical and Vocational Education and Training (TVET) institutions.
✔ Covers tuition fees and upkeep.
✔ Available for students in recognized TVET institutions in Kenya.
3. Postgraduate HELB Loans
✔ Available for students pursuing Master’s and PhD programs.
✔ Covers tuition fees only.
✔ Must be employed or have proof of income.
4. Jielimishe Loan (For Salaried Individuals)
✔ Designed for working professionals seeking to advance their education.
✔ Salary deductions are used for repayment.
✔ Available for both undergraduate and postgraduate studies.
These loan categories ensure that students and professionals can access funding at different education levels.
Eligibility Requirements for HELB Loans
To qualify for a HELB loan, applicants must meet specific criteria based on the loan type.
General Eligibility Criteria
✔ Must be a Kenyan citizen.
✔ Must be admitted to a recognized university or TVET institution.
✔ Must demonstrate financial need.
✔ First-time applicants must not have previous HELB loan defaults.
✔ For postgraduate and salaried applicants, proof of income is required.
Ensuring you meet the eligibility criteria increases the chances of loan approval.
Documents Required for HELB Loan Application
Before starting the application, ensure you have the necessary documents:
✔ National ID card (Original and Copy).
✔ KCSE and KCPE result slips.
✔ University or TVET admission letter.
✔ Parent’s/Guardian’s ID copies.
✔ Bank Account details (must be a Kenyan bank).
✔ KRA PIN Certificate.
✔ Three Guarantors’ ID copies (for first-time applicants).
Having all the required documents ensures a smooth application process.
Step-by-Step Application Guide for HELB Loans
Applying for a HELB loan is straightforward, but it requires careful attention to details. Follow these steps to ensure a successful application.
Step 1: Create a HELB Portal Account
✔ Visit the HELB Student Portal .
✔ Click on “Student Portal Registration”.
✔ Enter your National ID number and create a secure password.
✔ Verify your details and activate your account.
Creating an account gives access to HELB loan application forms and status tracking.
Step 2: Fill Out the HELB Loan Application Form
✔ Log in to the HELB Student Portal.
✔ Click on “First Time Loan Application” or “Subsequent Application” if you have applied before.
✔ Enter your personal details, contact information, and academic institution details.
✔ Provide parent/guardian details and financial background.
✔ Enter bank details for loan disbursement.
Ensure that all information is accurate to avoid delays in loan processing.
Step 3: Provide Guarantor Information
✔ First-time applicants must list three guarantors.
✔ Guarantors must be Kenyan citizens with a valid ID.
✔ They can be parents, guardians, employers, or close relatives.
✔ Guarantors will be responsible if the applicant defaults on the loan repayment.
Choosing reliable guarantors is crucial for a successful application.
Step 4: Print and Sign the HELB Loan Application Form
✔ After completing the online application, download the HELB form.
✔ Print two copies of the form.
✔ Sign the forms and ensure your guarantors also sign.
✔ Attach the required documents (ID copies, KRA PIN, admission letter, etc.).
Properly signing and submitting the form prevents rejection due to incomplete applications.
Step 5: Submit the HELB Loan Application Form
✔ Take the completed application form to a HELB office or Huduma Centre.
✔ Ensure all pages are properly filled, signed, and stamped (where necessary).
✔ Submit the form before the deadline to avoid missing out on funding.
Once submitted, HELB reviews your application and processes the loan.
How to Check HELB Loan Application Status
After applying, students can check their HELB loan status online.
Steps to Check HELB Loan Status:
✔ Log in to the HELB Student Portal.
✔ Click on “Loan Status”.
✔ Your status will show as Pending, Approved, or Disbursed.
Loan disbursement usually takes 4 to 6 weeks after approval.
How to Receive HELB Loan Disbursement
Once approved, HELB funds are disbursed in two ways:
✔ Tuition Fees: Sent directly to the university or TVET institution.
✔ Upkeep Funds: Sent to the student’s bank account or HELB smart card.
Ensure your bank account details are correctly entered to avoid disbursement issues.
Repaying HELB Loans
HELB loans must be repaid within a set period to ensure funding availability for future students.
Repayment Timeline
✔ Undergraduate and TVET students – Repayment starts one year after graduation.
✔ Postgraduate and Jielimishe loans – Repayment starts immediately after disbursement.
How to Repay HELB Loans
✔ Salary Deduction – Employers deduct loan repayments monthly.
✔ Bank Deposit – Payments can be made at HELB partner banks.
✔ M-Pesa Payment – Pay via M-Pesa (PayBill Number 200800, use ID number as account number).
✔ HELB Online Portal – Log in to make online payments.
Making timely payments prevents penalties and increases creditworthiness.
Tips for a Successful HELB Loan Application
To improve the chances of loan approval, follow these best practices:
✔ Apply early – Late applications may result in delayed disbursement.
✔ Provide accurate details – Ensure all personal and academic information is correct.
✔ Choose reliable guarantors – They must be traceable and willing to sign the form.
✔ Follow up on application status – Check your loan status regularly to track progress.
✔ Keep a copy of the submitted application – This helps in case of any disputes.
Following these steps ensures a smooth and successful HELB loan application.
Conclusion
The HELB loan is a lifeline for many Kenyan students, enabling them to pursue higher education without financial strain. Understanding the application process, eligibility criteria, required documents, and repayment terms helps students navigate the system effectively.
Key Takeaways:
✔ Apply early to avoid last-minute rushes.
✔ Ensure all required documents are in order before submission.
✔ Choose responsible guarantors to support your loan application.
✔ Repay your loan on time to avoid penalties and credit issues.
By following this step-by-step guide, students can successfully secure HELB funding and focus on achieving their academic and career goals.