How to Apply for HELB Loan in Kenya: Everything You Need To Know!

The Higher Education Loans Board (HELB) offers financial support to Kenyan students pursuing higher education in public and private universities within the East African Community. Whether you’re a government-sponsored or self-sponsored student, HELB provides student loans to cover tuition fees, accommodation, and other education-related expenses. This guide will explain how to apply for HELB loans, check your loan status, repay your HELB loan, and how to increase your HELB loan amount.

1. HELB Loan Application Process

If you’re applying for a HELB loan for the first time, follow these steps to ensure a smooth application.

Eligibility for HELB Loan

HELB loans are available to students pursuing a Bachelor’s Degree in Public Universities or Chartered Private Universities. This includes students placed through KUCCPS, self-sponsored students, and those in parallel programs.

When to Apply for HELB Loan

To avoid delays, it’s recommended that you apply for the HELB loan at least one month before your university opening date. HELB loan processing typically takes 30 to 45 days.

Documents Required for HELB Loan Application

To apply for a HELB loan, ensure you have the following documents:

• Copy of your National ID.
• Copies of your parents’ National ID cards or death certificates (if applicable).
• Copies of three guarantors’ National ID cards.
• Your university admission letter and KCSE result slip/certificate.
• Copy of your Bank ATM card (for government-sponsored students).
• A recent passport-size photograph.
• A copy of your student Smart Card from your institution.

Steps to Apply for a HELB Loan (First-Time Applicants)

1. Create an Account

Visit the HELB Student Portal and click “Apply now”. Enter your ID number, first name, and other necessary details to register.

2. Confirm Your Email and Phone Number

Verify your email and phone number to activate your HELB account.

3. Complete the Loan Application Form

Log in to the portal and select the Undergraduate First-Time Loan Application Form. Complete the mandatory financial literacy program and assessment.

4. Submit and Print the Application

After filling in all required details, print two copies of the completed form. Have the forms signed and stamped by the appropriate authorities, then submit one copy at any Huduma Centre or the HELB Student Service Centre.

5.Keep a Copy

Retain one copy of the form for your records.

2. How to Check HELB Loan Status

After applying for a HELB loan, you can easily track the progress of your application.

Steps to Check Your HELB Loan Status

Via the HELB Student Portal

• Log in to your HELB account on the HELB website. Navigate to the Loan Application Status section to view updates.

Via SMS

• Text STATUS#ID Number (e.g., STATUS#12345678) to 5122 to receive an update on your HELB loan status.

3. How to Repay Your HELB Loan

Once you’ve completed your studies, you will need to start repaying your HELB loan. Repayments begin one year after completing your degree.

HELB Loan Repayment Methods

a) M-Pesa (Mobile Payment)

1. Go to the M-Pesa menu.
2. Select Lipa na M-Pesa > Paybill.
3. Enter Business Number: 200800.
4. Use your National ID number as the account number.
5. Input the amount and confirm payment.

b) Bank Payments

You can repay your HELB loan through the following banks:

• KCB Bank: Account Number 1103006817
• Equity Bank: Account Number 01102981201300
• Cooperative Bank: Account Number 01136061433400
• Standard Chartered Bank: Account Number 0108008179200

Use your National ID number as the reference when making payments.

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c) Online Payment (Credit/Debit Card)

1. Log in to your HELB account on the HELB portal.
2. Go to the Loan Repayment section and select the online payment option.

Loan Clearance

After repaying your HELB loan in full, you can request a HELB Clearance Certificate via the portal. This certificate confirms that you’ve completed all payments.

Penalties for Late HELB Loan Repayment

If you delay your HELB loan repayment, a penalty of Ksh 5,000 per month is charged on the outstanding balance. To avoid this, ensure timely repayments.

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4. How to Increase Your HELB Loan

If the awarded HELB loan amount is insufficient, you can request a loan increase to cover additional expenses.

Eligibility for a HELB Loan Increase

You may qualify for a loan increase if:

• Your financial situation has worsened (e.g., reduced family income).
• Your education or living expenses have unexpectedly increased.

Steps to Request a HELB Loan Increase

1. Prepare Supporting Documents
   • Gather documents such as fee increment notices or proof of financial hardship (e.g., medical bills, family income loss).
2. Draft a Formal Request Letter
   • n your letter, explain your reasons for requesting a loan increase and provide supporting documents. Be sure to include your Full Name, National ID number, and HELB reference number.
3. Submit the Request
   • Submit your request through the HELB Student Portal or drop off your documents at the HELB Student Service Centre or a Huduma Centre.
4. Follow Up
   • Regularly check the status of your loan increase request via the HELB portal or call 0711 052 000.

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5. HELB Loan Award and Disbursement Details

The maximum undergraduate HELB loan award is Ksh60,000, while the minimum is Ksh 35,000. For government-sponsored students, part of the loan is disbursed to the university for tuition fees (Ksh4,000 per semester) and the remainder is sent to the student’s bank account for upkeep. For self-sponsored students, the entire loan is sent to the university for tuition once a year.

Bursary for Needy Students

A small number of needy students receive a bursary of between Ksh4,000 and Ksh8,000 annually, which is paid directly to the university for tuition.

In Summary

The HELB loan is a vital financial tool that helps Kenyan students access higher education. From applying for the loan to checking your HELB loan status, repaying the loan, and even requesting a loan increase, this guide provides a step-by-step roadmap. Be sure to follow the proper procedures and manage your loan prudently to ensure your educational journey is financially supported without unnecessary delays or penalties.

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