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)

Government scholarships and loans are available to students joining Universities, colleges, and TVET institutions. Grants and scholarships are awarded based on the student’s financial status.

The funding model is student centered and loans and bursaries will be apportioned to students based on their assessed level of need. The universities and TVET will no longer receive block funding in the form of capitation.

The funding to students shall combine scholarship, loans and household contributions on a graduated scale as determined Means Testing Instrument [MTI]. Students from extremely needy and vulnerable backgrounds will pay nothing to colleges and universities.

HEF Application Requirements

Some of the documents and details required to apply for HEF loans and scholarships are;

• A phone number registered under your name
• KCSE and KCPE index number
• Passport photo
• Copy of your ID
• Copy of your birth certificate
• Your parent or guardian’s phone number and copy of ID.
• ID number of two of your HEF loan guarantors

If you do not have an ID, you cannot apply for HEF loan. However, students without ID can apply for HEF scholarships.

How to apply for HEF scholarships and Loans

To apply for government scholarships, loans, and bursaries via the HEF portal, follow the procedure provided below;

• Visit the HEF portal https://hef.co.ke
• Click Student Registration or Apply Now Button then User Registration
• Create an account (use a valid email and phone number)
• After signup, log in
• Select the Scholarships, Loans, or Bursaries
• Fill out the application form for the funding product you are interested in by providing all the required details and documents
• Submit your application.

Student Funding Application: Pictorial Step by Step Guide.

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Click here for the Higher Education Funding, HEF, Portal Login. Login to apply for HEF Loans, Bursaries online.

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Eligibility

Helb Undergraduate Loans: First and Subsequent Student Loan, Bursary Applications

Helb loans are for students pursuing their studies in Public or Chartered Private Universities within the East African Community, placed either through the Kenya Universities and Colleges Central Placement Service (KUCCPS), Self-sponsored, Parallel and Module II Students studying for a Bachelor’s Degree only.

Pre-University, Certificate, Diploma or Postgraduate students are not eligible to apply for this loan. The loan attracts interest of 4% and Kshs. 1,000 ledger per year. Students are advised to apply for the loan 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:

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 or hef.co.ke to access the Student Portal and click on “register” to create an account.
2. Confirm whether you have your National ID and enter your ID number. Enter your KCSE Index number if you don’t have a National ID.
3. Enter a valid email address and password and click “register”.
4. You have successfully created an account. Check your email (Inbox or Spam/ Junk) to activate your account and log in after email activation.
5. Enter a valid Telephone number where a verification code will be sent. If the verification code expires, click resend button to get a new verification code.
6. Fill your profile & update your Biodata.
7. Give consent to collection of your personal data.
8. Read through the consent form to understand why we are collecting your personal data then tick the checkbox to agree with terms of use.
9. Fill in your personal details then save to continue.
10. When all details are complete, submit your scholarship/loan request.
11. Consent to processing of your data by Accepting the loan terms and conditions.
12. Update your guarantor details.
13. Provide loan payment information as per the fields provided (Bank or mobile payment)
14. Submit your loan application.

Note:

1. Please ensure that you read through the consent form to understand why we are collecting your personal data before you tick the checkbox to agree. View HELB Data Privacy Statement.
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 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.

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.

6. 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.

HOW TO APPLY FOR HELB COMPLIANCE CERTIFICATE

If you are up to date with your loan repayment or you have never benefited from HELB loan, you can apply for HELB Compliance Certificate from the HELB Portal or e-Citizen Portal.

Loanee Compliance Certificate

This Certificate is issued to the beneficiaries of HELB loan who are up to date with their loan repayment. It is also issued to the beneficiaries who are still within the repayment grace period. Once a beneficiary has completed repaying the loan, he/she is issued Certificate of Clearance. This service is not charged.

Non-Loanee Compliance Certificate

If you did not benefit from HELB loan, you can apply for the Non-loanee Compliance Certificate from the HELB Portal or e-Citizen Portal. This service is not charged.

Helb Compliance Certificate

If you are up to date with your loan repayment or you have never benefited from HELB loan, you can apply for HELB Compliance Certificate from the HELB Portal or e-Citizen Portal.

Loanee Compliance Certificate

This Certificate is issued to the beneficiaries of HELB loan who are up to date with their loan repayment. It is also issued to the beneficiaries who are still within the repayment grace period. Once a beneficiary has completed repaying the loan, he/she is issued Certificate of Clearance. This service is not charged.

Non-Loanee Compliance Certificate

If you did not benefit from HELB loan, you can apply for the Non-loanee Compliance Certificate from the HELB Portal or e-Citizen Portal. This service is not charged.

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