The Helb Student Portal gives you instant access to a wealth of resources at HELB.
How does it work?
The system is very easy to use. When you register and login you will have access to everything from loan application to allocation and disbursement status. Who can use the portal? Any registered or existing students can have free and unlimited access to the portal.
The Higher Education Loans Board, Helb, is inviting applications for the Afya Elimu second and subsequent loan application 2020/2021 academic year. Get full details on how to apply and requirements in this post.
ELIGIBLE STUDENTS
This loan is available for needy students training in middle level medical colleges (listed on HELB portal); Kenya Medical Training College [KMTC], Faith Based Organizations [FBO’s] and other Institutions offering Diplomas and Certificates in medical courses
HOW TO APPLY.
Download the HELB App from Google Play Store or dial *642#
Register using your phone number to generate a PIN which you will use to log in
Ensure the mobile number is registered under your name
Please NOTE that mobile numbers not registered in the students’ name will not allow the loan application to proceed
Read, understand, and click to accept the license agreement
Enter your First name as it appears in your National ID, ID number and valid email address to complete registration.
Click on “loans” tab and choose either certiFicate loans or diploma loans. Then click “apply” on the Afya Elimu second and subsequent loan
Read and understand the Financial literacy guide
Answer the inancial literacy questions and scroll down to view results and click “proceed”
Click “conirm” to verify your telephone number by paying Kshs. 1 to M-PESA
Read the loan agreement and click on ‘I agree’
Click ‘submit’. A pop-up message will appear to show that you have successfully applied. The loan serial number will also be displayed.
Please note that this application is paperless. You are not required to print any form. A confirmation SMS with a loan application serial number is the evidence that you have applied. Kindly save the SMS for future reference.
DO NOT PAY anyone to process your HELB loan application.
In case of any queries, seek assistance ONLY from HELB officers.
DEADLINE
The closing date for the loan application is January 31, 2021
New Funding Model[NFM] was unveiled by the President of the Republic of Kenya on 3rd May 2023 to address the challenges that public universities and TVET colleges were enduring which were attributed primarily on massive enrolment and inadequate funding. 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.
Higher Education Financing (HEF) is a New funding Model introduced by the Higher Education Loans Board for the provision of loans and bursaries to students enrolled in Public and Private TVET Colleges and Universities.
New Funding Model[NFM] was unveiled on 3rd May 2023 to address the challenges that public universities and TVET colleges were enduring as a result of massive enrolment and inadequate funding.
This 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 bloc-funding in the form of capitation. The funding to students shall combine scholarships, loans, and household contributions on a graduated scale as determined by Means Testing Instrument [MTI]. Students from highly needy and vulnerable backgrounds will pay nothing to colleges and universities.
Students interested in securing Higher Education Financing (HEF) loan must possess the following requirements;
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 parents’ registered telephone number
Your parents’ national ID number
Death certificate if any of your parents are deceased.
Your birth certificate.
Two guarantors’ (Can be your parents) ID numbers and registered telephone numbers (for loan application)
Copy of the sponsorship letter if you were sponsored in Secondary school.
Higher Education Financing Eligibility
The following students are eligible to apply for the Higher Education Financing – HEF Loan and scholarship;
Undergraduate Students placed by KUCCPS in Public Universities
TVET students placed by KUCCPS in 2022 in Public TVET Colleges
HEF Portal Registration Process
You are required first to create an account with these guidelines in order to log into the HEF portal and apply for Higher Education Financing loans and scholarships;
Enter your username and password used to create your account
Wait for the system to authenticate and redirect you to the dashboard
Higher Education Financing Activation Link
Send an email with your ID, email address, and phone number to[email protected]
If you didn’t receive an activation link for the Higher Education Financing (HEF) loans and scholarships account. The email should be the exact email used when creating your HEF account.
HEF Portal Login: Apply for HEF Scholarships and Loans via New Higher Education Financing Portal Kenya www.hef.co.ke
ByNash ThuoUpdated on
Education Cabinet Secretary Ezekiel Machogu launched the Higher Education Financing portal in 2023.
It will allow students to apply for loans and bursaries via the HEF Portal.
Access the New Higher Education Financing – HEF Portal Login Page
Here is the login page for the new HEF portal.
HEF Activation Link
Next, the user will receive their HEF activation email in their inbox.
Mine was sent to my email inbox as per the screenshot above.Users who didn’t receive the link to activate in their inbox should check their spam folder for the activation link.
The email is meant to appear in your primary inbox. Therefore, click on “Looks safe” to avoid future HEF emails being marked as spam.
For first-time HEF login, you will be asked for a valid mobile phone number.
The HEF student portal will then send a verification code to the number.
Enter the code to complete the HEF application process.
HEF Loan Application Requirements
Here are the requirements for Kenyans to apply for government-sponsored loans and bursaries via the HEF portal:
Passport size photo
Valid email address
Copy of your National ID
Parents’ National ID number
Parents’ registered mobile number
Death certificate (if parent is deceased)
Copy of the sponsorship letter (if applicable)
College or University admission letter
Your birth certificate
Mobile number registered in your name
KCPE index number and year of examination
KCSE index number and year of examination
Two Guarantors’ ID numbers and registered mobile numbers (can be your parents)
Step by step guidance
Latest data including rates
Free compounding report!
New Funding Model (NFM) for scholarship and loans
The President of Kenya launched the New Funding Model (NFM) on 3rd May 2023.
NFM aims to ensure university and TVET students categorised as vulnerable access adequate education.
The New Funding Model portal for Higher Education Financing will provide government scholarships and loans, prioritizing vulnerable and extremely needy students.
Key Players
Here are the key players in the New Funding Model in Kenya:
Parents
General public
Universities Fund Kenya
Higher Learning Institutions
Higher Education Loans Board (HELB)
State Department for Vocational and Technical Training
Kenya Universities and Colleges Central Placement Service (KUCCPS)
Criteria
Financial support to students enrolled in universities and TVET institutions will be based on their level of need, assessed via the Means Testing Instrument (MTI), and categorised as follows:
Vulnerable and extremely needy – 100% of Government funding and receive upkeep from the loan.
Needy and less needy will get 93 % of Government funding
Students in private universities are not eligible
Use eCitizen to easily get government services in Kenya
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includes screenshots for each step!
HEF Application – Eligibility for new and continuing students
Continuing students will not be affected by the New Funding Model (NFM).
They will continue to receive their funding based on the existing model. That is, apply for loans through HELB.
Eligible Kenyan students under the New Funding Model include:
TVET students placed by KUCCPS in 2022, 2023, and beyond in Public TVET Colleges
Undergraduate Students placed by KUCCPS in 2022, 2023, and beyond in Public Universities
About Government Scholarships for University Students Under the New Funding Model
1. What is the difference between the former university grant and the new Higher Education Government Student Scholarship?
The Higher Education Government Student Scholarship is a financial assistance programme provided to learners in public universities and TVET institutes. Funded through government resources, this scholarship aims to support students pursuing undergraduate, diploma, craft certificate and artisan education. The scholarship is based on the actual cost of the programme and the student’s financial needs.
2. Who qualifies for the Scholarship?
To be eligible for the scholarship, one must be Kenyan and a 2022 KCSE examination candidate for university learners. He or she must have been placed by the Kenya Universities and Colleges Central Placement Service (KUCCPS) to pursue an undergraduate, diploma, craft certificate or artisan course at one of Kenya’s accredited public universities or TVET colleges.
Scholarship application is open to students who sat their Kenya Certificate of Secondary Education examination from 2022 onwards.
3. A student can apply for this government scholarship at any stage of their academic programme. Can a student apply for loan and scholarship in the same year?
Yes. Loans and scholarship awards will be categorized differently. A vulnerable student will get 82 per cent scholarship and 18 per cent loan of the cost of the programme.
An extremely needy learner will get 70 per cent scholarship and 30 per cent loan of the cost of the course while a needy learner will get 53 per cent scholarship, 40 per cent loan and seven per cent household of the cost of the programme.
Lastly, a less needy learner will get 38 per cent scholarship, 55 per cent loan and seven per cent family of the cost of the course to be pursued.
4. Can students below 18 years apply for the scholarship since we know those below that age have previously not been allowed to apply for study loans?
Minors – individuals who have not attained 18 years of age – who sat their KCSE examination last year and have been placed by KUCCPS in a public university or TVET college can apply for the Higher Education Government Student Scholarship. Once the individuals reach 18, they will be required to update their profiles to continue benefiting from the government scholarship and loan.
5. Is it a must for a student to apply for the Higher Education Government Student Scholarship?
It is not mandatory. It is advisable to only apply for the scholarship if you need government financial assistance.
6. What are the steps one needs to follow when applying for a Government Student Scholarship?
To apply for a Government Student Scholarship, visit www.hef.co.ke. Remember also to keep an eye on official communication channels and updates from the Universities Fund, the HELB and KUCCPS for announcements regarding application details and deadlines.
Prepare the required documents, including academic records, personal details, student residential and education background. If necessary, gather letters of recommendation to support your application. Ensure you have the necessary documents available, including the “Consent to Collect Personal Data” form.
Are Government Student Scholarships based on financial need, merit or both?
The scholarship is based on the financial needs of the applicant and academic merit. One must be placed by KUCCPS to a public university or TVET institute to apply.
8. Is the application for the Government Student Scholarship a one-off for a leaner throughout the degree?
For you to get the Government Student Scholarships, you must apply through www.hef.co.ke and submit an application every year for the course duration.
9. What happens if one receives less than the Government Student Scholarship award applied/or?
An individual may appeal or request a review of their Government Student Scholarships award if they were not satisfied with the amount given. This includes unsuccessful scholarship applications.
10. Can a foreigner apply and receive the Government Student Scholarship?
No, this scholarship is restricted to Kenyans only. International students should check with their institutions, governments or financial aid offices to determine if they are eligible for other scholarships.
11. How can a student use the Government Student Scholarship fund?
This Government Student Scholarship fund takes care of the tuition fees. These funds will be disbursed directly to the university or college the applicant is undertaking their studies.
12. Can the Government Student Scholarship affect other forms of financial assistance to the learner?
Yes. If a student is fully funded by another agency, individual or institution, the government Student Scholarship cannot provide a scholarship to the same student since it will lead to over- funding. Students are I expected to fully disclose agencies sponsoring them and the amounts applicable for their sponsorship. Non-disclosure may lead to withdrawal or cancellation of the scholarship.
13. Are there any requirements or responsibilities for Student Government Scholarship recipients?
Beneficiaries of the Government Student Scholarship are required to complete their studies within the stipulated course/programme duration. Any extended study duration cost will not be catered for by the scholarship. Secondly, the students will be required to give accurate information to assist the award of the scholarships.
14. Will a student need a guarantor for to be eligible for the Government Scholarship?
The Higher Education Loans Board (HELB) has provided the latest news on the number of first-year university students who will receive loans in 2022. The agency has at the same time revealed the number of students who will fail to receive the loans.
Appearing before the National Assembly Committee on Education on Thursday, February 3, 2022 HELB Chief Finance Officer, Mary Wachira, told the MPs that more than 75,000 first year students did not receive their loans from the government.
She explained that first-years who joined various universities in September 2021, will be forced to wait until the National Treasury reimburses Ksh3 billion to HELB.
The failure by the government to release the funds to the students early enough makes the learning experience of the first years difficult as most of the students, especially those from poor backgrounds, depend on the loan to pay for their tuition and upkeep.
The delay, according to the Parliamentarians, risks forcing some freshmen to postpone their studies since most institutions of higher learning require students to pay full semester fees in order to secure admission.
“Right now, we have 75,000 first-year students who are yet to be funded and we require Ksh3 billion to process their applications,” the HELB Chief Finance Officer stated.
The affected students will be forced to use alternative sources of finances to pay for their tuition, accommodation, and upkeep.
HELB gives loans of between Ksh35,000 and Ksh60,000 per year per student based on their economic background and needs.
From the total amount, Ksh8,000 is wired directly to the university as tuition fees with the balance being sent to the beneficiary’s bank account in two equal tranches covering the first and second semesters.
However, the total amount released by HELB dropped from Ksh43,000 to the current Ksh37,000 for most students.
Other than delayed release of funds, the government agency also cited default payment as one of the contributing factors to freshers missing out on the loan. That has also prompted allocation cuts and increased reliance on the Treasury.
More than 100,000 former university students defaulted on their HELB loans at the peak of the pandemic, a factor that was attributed to salary cuts and job losses.
Kenyan students pursuing Certificate, Diploma and Higher National Diploma courses in select Public Universities, select University Colleges, Public National Polytechnics, and approved TVET Colleges under the Ministry of Education are eligible for this loan and bursary. The loan attracts interest rate of 4% and a ledger fees of Kshs. 1,000 per year.
How to apply as a First Time Applicant
Visit our website www.helb.co.ke to access the Student Portal and click on “create an account” to register.
Once the account is created, log in and select the appropriate TVET First Time Loan Application Form [TLAF].
Read the literature or view the videos on Financial Literacy and participate in the brief exercise online.
Access and fill the loan application form.
Print TWO copies of the duly filled TVET Loan Application Form [Mandatory]
Have the forms appropriately filled, signed, and stamped by the relevant authorities.
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
Retain a complete copy of the TVET Loan Application Form [This is mandatory]
Note:
Please ensure that you read, understand, and follow the instructions provided at the beginning of the online TVET loan application process including reading and undertaking the HELB Financial Literacy Programme.
It is recommended that students prudently manage their HELB loans once disbursed to cater for Tuition, books, stationery, accommodation, and subsistence.
Application requirements
A copy of the applicant’s admission letter from the institution
A copy of the applicant’s National Identification Card.
Applicant’s KCSE result slip or certificate
Copies of the parents’ National ID Cards or death certificate where the parent is deceased
Copies of both guarantors’ National ID Card
A copy of the applicant’s Bank ATM/Bank card
One recent colored passport size photograph of the applicant.
Note:
The applicant should access and complete the relevant TVET Loan and Bursary Application Form (TLAF).
Print TWO copies of the duly filled Loan Application Form.
Have the TVET Loan Application Form signed and stamped by the Dean of Students and/or Financial Aid Officer.
Retain one copy of the duly filled TLAF (Mandatory).
Drop the TLAF personally at the HELB students Service Centre on Mezzanine One, Anniversary Towers or any of the SELECT Huduma Centers nearest to you
Repaying the TVET Loan
TVET 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 completing studies to reduce the loan balance. HELB Loans are charged 4% interest per annum and is repayable up to a maximum of 48 months.
The government, via the Higher Education Loans Board (HELB), has allocated Ksh.1.56 billion to students and trainees for their tuition and living expenses.
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Education Cabinet Secretary Migos Ogamba announced that the funds were released on Friday, providing crucial support for university and college students currently enrolled in the program.
“A total of 31,263 TVET trainees and 33,863 university students will benefit from these loan disbursements,” the CS noted.
“This funding will ensure that the needs of students and trainees are addressed, allowing them to pursue their academic, training, and research activities without obstacles.”
Beneficiary students and trainees have been informed of the disbursements through HELB’s official communication channels and are advised to check their portals.
In the current Financial Year 2024/2025, HELB has disbursed a total of Ksh.32.7 billion for living and tuition loans, which are expected to assist 195,522 trainees in TVET institutions and 390,612 university students.
The CS expressed confidence that the government would continue to support university students and TVET trainees in achieving their academic and training objectives, despite the ongoing debate surrounding the new University Funding Model.
This disbursement follows pressure from some MPs and stakeholders regarding the delay in HELB fund distribution, which had left many students in financial distress.
Last month, Kirinyaga Woman Representative Njeri Maina raised concerns about the delay, urging the Departmental Committee on Education to clarify the funding crisis.
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The delay was a result of a High Court ruling on December 20, 2024, which deemed the new higher education funding model unconstitutional, preventing its implementation until the government complies with constitutional and legal standards.
In response, the Ministry of Education committed to introducing a revised funding model for tertiary education, expected to be launched later this year. Meanwhile, the government has pledged to revert to the previous HELB funding system.
The financial strain has led to unrest at several universities, with students protesting and, in some cases, lecturers boycotting exams in solidarity with affected students.
The Higher Education Loans Board, Helb, advances a number of loan products to students in tertiary institutions. Helb provides the following loan products to all students: Undergraduate Loan, Tvet Loan / Bursary First Time For Tertiary Institutions, Post Graduate Scholarship Application and Afya Elimu Loan. The following are loan products for the employed individuals: Civil Servant Training Revolving Fund, Post Graduate Scholarship Application, Kra Staff Training Revolving Fund and JIELIMISHE LOAN(Salaried Students): PgD,HND,Bachelors, Masters, PhD & Professional Courses.
UNDERGRADUATE LOANS
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 & 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.
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.
The First Time Loan Application is divided into the following categories.
INFORMATION ON PROFILE
This comprises of two sub categories as elaborated below.Please fill each section before proceeding to the next item. a) Applicant:- Personal Details In this section, an applicant is required to fill out their personal information. Items such as Sub-location,Division,location etc should reflect information as per your National Identification Card. b) Applicant:- Residence Details In this section, an applicant is required to fill out there current place of residence information. Items such as Sub-location,Division,location etc should reflect your current place of residence and not as indicated in your ID Card.
INSTITUTION DETAILS
This comprises of three sub categories as elaborated below.Please fill each section before proceeding to the next item. a) Applicant :- Institution Details In this section, an applicant is required to fill out their Institution details. b) Applicant :- Loan Information. Here you are required any information on your loan or bursary.
EDUCATION BACKGROUND DETAILS
This comprises of one category as elaborated below.Please fill each section before proceeding to the next item. a) Applicant :- Education Background Details In this section, an applicant is required to fill out their education background details.Primary and Secondary School Details are compulsary.Failure to include this will lead to automatic disqualification
EXPENSE DETAILS
This comprises of two categories as elaborated below.Please fill each section before proceeding to the next item. a) Applicant :- Family Expenses In this section, an applicant is required to fill out the family’s expenses.
GUARANTOR DETAILS
This comprises of one section as elaborated below.Please fill each section before proceeding to the next item. a) Applicant :- Guarantor’s Details In this section, an applicant is required to fill out the guarantor’s details.It is compulsory to fill in two guarantors failure to do this will lead to automatic disqualification
PARENTS DETAILS
This comprises of three category as elaborated below.Please fill each section before proceeding to the next item. a) Applicant :- Parents Marital Status In this section, an applicant is required to fill out their parent’s marital status. b) Applicant :- Parents Details In this section, an applicant is required to fill out various details about their parent’s eg.employment. c) Applicant :- Guardian’s Details If the applicant is orphaned he/she will be required to fill in the gurantors’ details.
BANK DETAILS
This comprises of one section as elaborated below.Please fill each section before proceeding to the next item. a) Applicant :- Bank Details In this section, an applicant is required to fill out the bank’s details. To get started off click on this link; https://portal.helb.co.ke/
TVET HELB LOANS
Students pursuing Diploma and Certificate courses in Public universities, university colleges, public national polytechnics and Institutes of Technology and Technical Training institutes country-wide are eligible for this loan and bursary. Orphans, single parent students and others who come from poor backgrounds will be given priority for the loans and or bursaries. The application period is January to April every year.
Required Documents
Applications should access and fill the relevant TVET Loan & Bursary Application Form (TLAF).
Print TWO copies of the duly filled Loan Application Form.
Have the TVET Loan Application Form signed and stamped by the Dean of Students/Financial Aid Officers.
Retain one copy of the duly filled TLAF (Mandatory).
Drop the TLAF personally at the HELB students Service Centre on the Mezannine One, Anniversary Towers or any of the SELECT Huduma Centers nearest to you.
Click HERE to download approved TVET institutions funded by HELB as at March 2019.
Apply Now
A message that your Helb loan has been disbursed is the best news that you can receive as a student. This is because not all those who apply for Helb loans become successful in receiving the disbursement.
Check HELB Loan StatusVia USSD Code You can easily check the status of your HELB loan application by dialing the USSD code *642#. You will first have to register on the HELB Mobile platform before accessing the services using USSD.
Simplified steps to Check HELB Loan Status Via USSD Code :
Dial *642# Select the option Register Enter the serial number of your National ID card Enter your National ID
Next, create a 4-digit PIN Next, select 00 to go to the Main Menu, or close and log in again with your PIN Select either the option Loan Application Status or Loan
Disbursement Select your loan type and then the academic year After a short while you will receive your HELB loan disbursement status through SMS.
Check HELB Loan Status Via the Helb online portal
To find out if your loan application was successful approved and loan disbursement was made follow the following guidelines:
Visit HELB website
Click on “loan status”
Click on “Disbursement” a form indicating your loan disbursement status will appear
You can check amount awarded and date disbursed
Check HELB Loan Status by visiting your Bank
You can also check your loan disbursement status through your bank account that you used during first time registration.
Students with HELB smart card can use it to check their loan disbursement status via their bank ATM. Remember that the smart card has three parts, tuition, upkeep and general use. Amount in the tuition part cannot be withdrawn.
HELB offers Jielimishe Loan to employed students pursuing Professional Courses, Higher National Diploma, Bachelors, Postgraduate-Diploma, Masters or PhD degrees in Kenya. The loans are awarded per year and paid directly to the approved institutions of higher learning.
Features of the Helb Jielimishe Loan
Quick loan processing
Competitive interest rate of 10% per year
Flexible repayment periods of 12 – 48 months (72 months for Public Servants)
Convenient and easy monthly check-off repayments
Borrow up to 90% of your program fees to a maximum of Kshs. 600,000
Affordable Credit Life Insurance Policy
Requirements of the Helb Jielimishe Loan
Admission letter from a recognized university/College in Kenya
Certified copy of your last acquired academic certificate (certified by a commissioner of oaths)
Three (3) months latest pay slips (certified by your employer)
If you are employed on contract, please provide copy of appointment letter for a contract of not less than two years (certified by your employer)
Certified copy of your National ID (certified by a commissioner of oaths)
Certified copy of your KRA PIN (certified by a commissioner of oaths)
Certified copy of National ID from two employed guarantors (certified by a commissioner of oaths)
Recent colored passport size photograph of yourself
Who is eligible for the Helb Jielimishe Loan
Employees in:
Civil service (Ministries, Counties, National Police Service, Kenya Defense Forces)
Public Commissions e.g. Teachers Service Commission, JSC, PSC, CAJ, SRC, CRA etc
Parastatals e.g. KRA, NSSF, NHIF, NTSA, KWS, KFS, KPA etc
Public Universities
Selected Private companies (E-mail jielimishe@helb.co.keto check whether your company is eligible)
Jielimishe loan repayment starts immediately upon disbursement to the training institution.
CIVIL SERVANTS TRAINING REVOLVING FUND
This is a facility specifically for Civil Servants in National Government, County Governments and National Police Service. This loan is offered in collaboration with The Ministry of Public Service. The amount awarded is between Kshs. 30,000 and Kshs. 500,000 at a competitive low interest rate of 4% per year, with prolonged repayment period of up to 72 months (6 years) through check-off. The courses covered include examinable short courses of at least three (3) months and Postgraduate studies (Masters and PhD). The loan is used to finance Tuition, Library, Computer and Research and Examination fee
Features:
Quick loan processing
Competitive interest rate of 4% per year
Flexible repayment periods of 12 – 72 months (6 years)
Convenient and easy monthly check-off repayments
Borrow up to Kshs. 500,000
Requirements:
Admission letter from a recognized university or training institution in Kenya
Course recommendation letter from your employer
A copy of 3 months latest pay slips (certified by your employer)
Certified copy of your national ID (certified by a commissioner of oaths)
Certified copy of your KRA PIN (certified by a commissioner of oaths)
Certified copy of national ID from two guarantors employed within civil service (certified by a commissioner of oaths)
Recent colored passport size photograph of the applicant
Who is eligible
Civil Servants in National Government, Parliamentary Service Commission, Judicial Service Commission, County Governments, and National Police Service pursuing Postgraduate studies
Repayment is due 1 month after disbursement through monthly check-off system from the employer’s payroll for a maximum period of 72 months (6 years). Applicable interest is 4% per year and an annual ledger fee of Kshs. 1,000.
Ensure you meet the eligibility criteria for HELB loans. Generally, this includes being a Kenyan citizen, enrolled in an accredited institution, and pursuing a recognized program.
2. Create a HELB Account:
Visit the official HELB website (https://www.helb.co.ke/) and create an account. Provide accurate information during the registration process.
3. Log In:
Log in to your HELB account using the credentials you created.
4. Navigate to Loan Application:
Once logged in, navigate to the loan application section. This is typically found on the dashboard or in a specific loans section.
5. Fill Out the Application Form:
Complete the loan application form with accurate and up-to-date information. This includes personal details, academic information, and financial details.
6. Upload Required Documents:
Scan and upload any required documents, such as your national ID, admission letter, and fee structure from your institution. Ensure that the documents are clear and meet the specified requirements.
7. Submit Application:
After completing the application form and uploading the necessary documents,
The HELB loan mobile payment option is currently available on Mpesa, below is the procedure on how you can access and withdraw the funds from HELB Mini App.
Download the MPESA App from Google App Playstore or Apple App Store or Huawei App gallery.
Register on the MPESA App using your MPESA registered phone number, and make sure you are using data bundles from Safaricom.
Login and go to the home page, then Categories, and to the Education tab.
Select HELB from Education tab.
Register on the HELBMini app.
Sign in using your MPESA registered phone number, and you will receive a verification code via SMS for login.
Once you log in, kindly click on the home page tab to withdraw your funds to your MPESA using the withdraw button on the page.
Should you require further support, please email Helb on ContactCentre@helb.co.ke or call us on0711052000
