Category Archives: HELB News Portal

Get the latest news from the Higher Education Loans Board, HELB.

New higher education funding model; The explainer

New higher education funding model; The explainer

Higher education funding model in kenya

In summary:

  • Students from extremely needy households to get 100% financing.
  • Students classified into four categories: vulnerable, extremely needy, needy and less needy
  • Kuccps placed University and TVET students with letters are eligible
  • Family economic background to be evaluated before loan or scholarship is awarded.

University and College students will now qualify for loans and scholarships via the Higher Education Funding Model. According to the University Fund Kenya, one must be Kenyan and a 2022 KCSE examination candidate to be eligible for the scholarship.

He or she must have also 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.

The scholarship will be open to students who sat their KCSE examination from 2022 onwards.

Once confirmed to have met the requirements, one will be needed to visit https://www.hef.co.ke/ for application with a checklist meeting the requirements hereunder;

A valid email address, a valid phone number registered to the applicant’s name, KCPE and KCSE index numbers and year of examination, College/University admission letter and a copy of the sponsorship letter for those sponsored in secondary school.

Others are the applicant’s parent/guardian’s registered numbers, the applicant’s ID number, death certificate if parents are deceased, a passport photo and a birth certificate.

Also, those who will be seeking loans will be needed to have the ID numbers and telephone numbers for two guarantors.

On the platform, one will first register/log in, fill out their profile and upload their documents, tick the box to apply for a scholarship or a loan and submit the application.

The applicant will then wait for the award within 30 days and then wait for an SMS payment notification.

It is also worth noting that students in private universities are not eligible for the government scholarship fund, but can apply for loans through HELB.

Continuing students will not be affected by the funding model and will continue to receive their funding based on the previous funding model.

The level of funding for each student will depend on the monthly household income and the financial aid has been classified into four categories, the vulnerable, extremely needy, needy and less needy.

Under the model, those students falling under the vulnerable and extremely needy band will qualify for 100%  government funding for their studies with the money coming as scholarships and loans, and those deemed to be needy and less needy will get 93% government funding, with the students bearing 7% of the tuition costs.

Students from the vulnerable and extremely needy households will receive 100% funding while the needy and less needy will get 93% government funding and a 7% contribution from their households to cover for the tuition fees.

All university and TVET students who have received letters from universities and TVET colleges as per the placement from Kenya Universities and Colleges Central Placement Service (KUCCPS) are eligible for funding.

Classification of students

To effect this, the government has classified students seeking funding into four categories, the vulnerable, extremely needy, needy and less needy. The students joining private institutions too are eligible for the HELB loan and are encouraged to apply.  

Funding across the four categories will be determined by evaluating family economic background to ensure that students from poor households are given priority in terms of scholarship allocation while those from less needy households are covered by loan financing from HELB as has been in the past.

The classes are vulnerable– who come from the poorest background; then there is the extremely needy who are the second neediest in the funding classification.

The third and fourth classes are needy and less needy respectively. These two categories need little to no support in paying their fees.

What students need when applying for financing under the new Higher Education financing Model

How to apply for HELB undergraduate second and subsequent loans: Mobile USSD Code and App

The Higher Education Loans Board, Helb, has opened the window for submitting undergraduate students’ second and subsequent loan applications. This loan is available for all Kenyan students admitted in in Public and private universities in Kenya and the East African region. The deadline for submitting your loan application is June 30, 2020.

REQUIREMENTS

For you to qualify for these loans you must meet the requirements below:

  • You must be admitted in a public or private university offering programmes that are recognized by the commission for university education, CUE.
  • You must be undertaking a bachelor’s degree; self-sponsored, parallel and module II programmes.
  • You must be a recent beneficiary of the undergraduate loans. (This is application is not available for first time applicants).
HOW TO APPLY

You can apply for the loan easily by using any of the methods below;

  • Using the HELB mobile app
  • Using the mobile USSD code *642#
  • Applying online
SEE ALSO;
USING THE HELB MOBILE APP

If you have a smart phone, then the cheapest way of submitting your application ;is by using the HELB mobile app:

  1. Download the mobile app from Google play. Just search for HELB in Google play and click ‘install’.
  2. Once successfully installed, register details.
  3. You will then be expected to read notes/ instructions.
  4. Now, select the loan application form.
  5. Fill in the details, correctly, and submit by clicking ‘OK’.
HOW TO REGISTER FOR LOAN MOBILE SERVICES.

Another way you can use to apply for the loan is by utilizing the mobile USSD code. Register by using the steps below:

  1. Go to your dialer on your mobile and enter *642# and send.
  2. Then Select/ enter 1 and send.
  3. On the next window prompts, provide your: First name, last name, National ID number, date of birth.
  4. Enter a PIN you can easily remember and confirm it.
  5. A registration success message will be displayed thus: “Thank you for registering with the HELB mobile platform. You will receive SMS Confirmation Shortly.”
  6. Then, proceed to make your loan application.
APPLYING ONLINE.

This is yet another method via which the loan application can be filed.

  1. Visit the Helb portal by visiting the link; https://portal.helb.co.ke/auth/signin
  2. Enter your email address and password then click ‘Sign in’.
  3. Select the loan application name to get the application form. Fill it and submit. (Only The Products in Green Background Are Open for Application. Click On Row Of The Loan Product You Wish To Apply For)

How to apply as a First Time Applicant

Have you been admitted to a College or University and lack fees? The Higher Education Loans Board, Helb, gives university and College students cheap Helb loans and free Bursaries.

Helb Loans For Undergraduate Students

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 www.helb.co.ke to access the Student Portal and click on “create an account” to register.
  2. Once the account is created, log in and select the appropriate Undergraduate First Time Loan Application Form [LAF].
  3. Read the literature or view the videos on Financial Literacy and participate in the brief exercise online.
  4. Access and fill the loan application form.
  5. Print TWO copies of the duly filled Loan Application Form [Mandatory]
  6. Have the forms appropriately filled, signed, and stamped by the relevant authorities.
  7. 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
  8. Retain a complete copy of the Loan Application Form [This is mandatory]

Note:

  1. Please ensure that you read, understand, and follow the instructions provided at the beginning of the online loan application process including reading and undertaking the HELB Financial Literacy Programme.
  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 copy of the Applicant’s national ID Card
  2. Copies of the parents’ National ID Cards/death certificate where the parent is deceased
  3. Copies of both guarantors’ National ID Card
  4. A copy of the applicant’s admission letter and KCSE result slip/certificate
  5. A copy of the applicant’s Bank ATM/Bank card (for Government sponsored students only)
  6. A copy of the applicant’s Smart Card from the institution
  7. One recent colored passport size photograph of the applicant.

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.

  1. 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.

Helb Loans For TVET Students

How to apply as a First Time Applicant

  1. Visit our website www.helb.co.ke  to access the Student Portal and click on “create an account” to register.
  2. Once the account is created, log in and select the appropriate TVET First Time Loan Application Form [TLAF].
  3. Read the literature or view the videos on Financial Literacy and participate in the brief exercise online.
  4. Access and fill the loan application form.
  5. Print TWO copies of the duly filled TVET Loan Application Form [Mandatory]
  6. Have the forms appropriately filled, signed, and stamped by the relevant authorities.
  7. 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
  1. Retain a complete copy of the TVET Loan Application Form [This is mandatory]

Note:

  1. 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.
  2. It is recommended that students prudently manage their HELB loans once disbursed to cater for Tuition, books, stationery, accommodation, and subsistence.

Application requirements

  1. A copy of the applicant’s admission letter from the institution
  2. A copy of the applicant’s National Identification Card.
  3. Applicant’s KCSE result slip or certificate
  4. Copies of the parents’ National ID Cards or death certificate where the parent is deceased
  5. Copies of both guarantors’ National ID Card
  6. A copy of the applicant’s Bank ATM/Bank card
  7. One recent colored passport size photograph of the applicant.

Note:

  1. The applicant should access and complete the relevant TVET Loan and Bursary Application Form (TLAF).
  2. Print TWO copies of the duly filled Loan Application Form.
  3. Have the TVET Loan Application Form signed and stamped by the Dean of Students and/or Financial Aid Officer.
  4. Retain one copy of the duly filled TLAF (Mandatory).
  5. 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.

Get more details below;

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Helb Financial Literacy Assessment- Questions asked during online loan application

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What to attach to a duly filled Helb Loan First Time Application form

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TVET HELB Loan First-Time Application Deadline

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HELB Loan Application Deadline and Status

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Helb services at Anniversary Towers – Specific Office Number

Looking for any Helb Service at the Anniversary Towers in Nairobi? Get complete details here.

Customer Service Touch Points

Anniversary Towers, University Way:
Touch Point Floor Service Offered Operating Hours
Students Service Centre M1
  1. Loan/bursary application, allocation and disbursement queries
  2. Drop off of Loan Application Forms.
Mon-Fri8am-5.00pm
Customer Experience Centre Ground
  1. Loan Repayment
  2. HELB Compliance and Clearance
  3. HELB Jielimishe Inquiries
Mon-Fri

8am-5.00pm

Cash Office 18th
  1. Receiving and receipting of cheques
  2. Receipting of cash deposit slips
Mon-Fri

8am-5.00pm

Contact Centre  Tel: 0711 052 000

Email:
contactcentre@helb.co.ke

Twitter & Facebook:

@HELBPage

  All enquiries Mon-Fri

8am-5.00pm

Higher Education Loans Board, HELB, to publish names of defaulters since 1975 on newspapers; This is what you should do

The Higher Education Loans Board, HELB, has given defaulters a period of 30 days to clear their outstanding loan balances. The Loans agency has threatened to publish names and photographs of all defaulters. HELB will at the same time take legal action against the defaulters.

Here is the notice from HELB;

NOTICE: PUBLISHING NAMES AND PICTURES OF UNIVERSITY LOAN DEFAULTERS

The Higher Education Loans Board (HELB) is a State Corporation established in July 1995 by an act of Parliament, the Higher Education Loans Board Act, CAP 213A of the Laws of Kenya. HELB is mandated to provide loans, bursaries and scholarship to Kenyan students pursuing higher education in recognized institutions of higher learning and to recover loaned out funds from the beneficiaries.

HELB wishes to notify the general public and loan defaulters that the HELB student loan is a government debt which should be repaid as per the terms and conditions on which it was advanced.
However, some beneficiaries who are in default have not responded to previous communication addressed to them yet the funds received from loan repayment are used to support the current needy students therefore sustained default hinders funding of other deserving Kenyan youth.

Please take note that the names and pictures of HELB loan beneficiaries who have defaulted repayment of the loan from 1975 to date shall be published in the leading newspapers after expiry of 30 days from the date of this notice and thereafter legal action may ensue against each defaulter as stipulated in the HELB Act.

Beneficiaries who are not servicing their loans are therefore advised as follows:

  1. Get in touch with HELB via dru@helb.co.ke for particulars of their loan accounts and any other inquiry.
  2. Loan status may be confirmed via the loanee portal on the website http://www.helb.co.ke; USSD Code #642# or HELB App through Google playstore.
  3. Loan Repayment Options are available online on https://www.helb.co.ke/repay-loan/

Related News: Guide to the helb mobile short code used for loan repayment application and disbursement status

Here are links to the most important news portals:

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.

Completion of Loan Repayment

Upon completion of loan repayment, kindly seek clearance from HELB. Please note that only HELB and not your employer can confirm your loan repayment status. HELB shall confirm loan repayment completion by issuing certificate of clearance. For clearance, please fill in the HELB Enquiry form.

Over Repayment

If you overpay your loan, you will receive a refund from HELB and not your employer. To claim refund, please fill in the Loan Recovery Enquiry form.

Click here to access HELB Enquiry Form

Jielimishe Loans (for salaried students)

Jielimishe Loans are due for repayment immediately upon disbursement. Successful applicants shall be notified via e-mail.

Loanee Obligations

All loanees [HELB loan beneficiaries] are required to start repayment after a period of one year on completion of studies, or within such a period as the Board may decide to recall the loan whichever is the earlier (Section 15 HELB Act). Paying the higher education loans at an early age reduces an individual’s financial burden in midlife when one is bringing up a family, paying a mortgage as well as planning for retirement. Among other advantages of paying the loans include; reduction of the number of loans that an individual has hence avoid being blacklisted with the Credit Reference Bureau (CRB) hence one can easily get a bank loan.

To ease your repayment, the Board has developed several different modes of repayment that suits the loanees who are employed and self-employed such as check off system, mobile payment that include M-Pesa, Airtel among others.

Therefore your obligation as a Loanee under the Act is to;

  • Inform the Board of your contact addresses (section 15 (a) HELB Act),
  • Begin repayment of your loan together with the interest accrued thereon (Section 15(b) HELB Act),
  • Facilitate the deduction and remittance of the loan to the Board – (Section 15 (c) HELB Act).

EMPLOYERS

Employers Obligations

The Higher Education Loans Board Act, 1995 demands that employers adhere to the law as stipulated below:

  • Disclose Loanees: Inform the Board that they have employed loanee(s). This should be done within three months from the date of employment. (Section 16(1) (a) of the HELB Act)
  • Deduct from the wages or remuneration of the loanee(s) the amount of any loan as instructed by the Board (Section 16(i)(b) of the HELB Act)
  • Discharge/remit the amount deducted from the loanee’s wages or remuneration

LOAN REPAYMENT METHODS

HELB offers various loan repayment methods as follows:

Local Repayment Methods

Mobile Payment Services: M-PESA

Using M-PESA (Safaricom) Money Transfer:

  • Select pay bill option
  • Enter HELB business number as 200800
  • Enter your national ID number as your account number
  • Enter amount you want to pay
  • Enter your secret PIN number
  • Confirm transaction and send

Note: The transaction reflects in your statement immediately after the transaction.

Bank Deposit

All payments are payable to Higher Education Loans Board, by crossed cheque, bankers draft, direct transfer/standing order/EFT or cash deposit to HELB collection A/C in any of the following banks:

Bank Account Number Branch Electronic Funds Transfer (EFT)
Kenya Commercial Bank 1103 266 314 University-way SWIFT CODE : KCBLKENX
Family Bank 035 000 024 971 Family Bank Towers SWIFT CODE : FABLKENAXXX
Co-operative Bank 011290 612 228 00 University-way SWIFT CODE : KCOOKENA
Barclays bank 077 501 8216 Barclays Plaza SWIFT CODE : BARCKENX
Standard chartered Bank 010 801 826 4700 Koinange street SWIFT CODE : SCBLKENX
Equity bank 055 029 357 3408 Equity Center SWIFT CODE : EQBLKENA
National Bank of Kenya 010 016 039 1100 Harambee Avenue SWIFT CODE :NBKEKENX
Citibank 300 040 012 Nairobi SWIFT CODE : CITIKENA
SBM Bank 0332 084 215 001 Delta House SWIFT CODE : SBMKENA
NCBA Bank Kenya
1002 247 638 NIC House SWIFT CODE : CBAFKENX
Jamii Bora Bank 1174 852 7001 Koinange street SWIFT CODE : CIFIKENAXXX

Diaspora Repayment Methods

Wave
  • You can make payments instantly from the US and Canada through Wave via KCB account number 1103266314.
  • Go to www.sendwave.com to update/download the app and then make transfers immediately.
  • Please forward the wave email notification as well as your ID NUMBER to OnlinePayments@helb.co.ke
 World Remit
  • Log in to www.worldremit.com
  • Select the ‘Bank Deposit’ service from the blue ‘Send to’ box on this page
  • Choose whether to make the transfer to a Kenyan shilling (KES) or US dollar (USD) account
  • Enter the amount you want to transfer
  • We’ll show you the highly competitive exchange rate you’ll receive and any fees upfront
  • Enter recipient’s details KCB ACCOUNT NUMBER 1103266314
  • Pay online using a credit or debit card
  • Use your ID number as the reference
  • You and your recipient will receive SMS and email notification once the transfer is complete
  • Please forward the wave email notification as well as your ID NUMBER to OnlinePayments@helb.co.ke

Procedure used for HELB loans and bursaries applications for TVET students

TVET STUDENTS FIRST TIME LOAN AND BURSARY APPLICATIONS FOR THE FINANCIAL YEAR 2020-2021

The Higher Education Loans Board(HELB) invites applications for First Time 2020-2021 TVET Loan and Bursary from Kenyan students admitted in National Polytechnics, Technical Training Institutions and Vocational Colleges under the Ministry of Education and are registered with Kenya Universities and Colleges Central Placement Service [KUCCPS] and Members of the Kenya Association Technical Training Institutions [KATTI).

Eligible students:

Applications are open to students enrolled in approved TVET courses and are applying for the first student loan.

How to Apply
  • Applicants should visit our website http://www.helb.co.ke to access the Student Portal to register, create and activate account(ensure you use your personal mobile number)
  • Log in, go to Loan Application, click Certi􀏐icate (Artisan and Craft) or Diploma and select the 2020-2021 TVET First Time Loan Application Form [LAF].
  • Read and appraise oneself online on Financial Literacy and appreciate the purpose of credit.
  • Access and fill the loan application form.
  • Print TWO copies of the duly filled Loan Application Form. Ensure you preview the form
  •  and correct where necessary before you submit for printing
  • Have the forms appropriately filled, signed and stamped by the relevant authorities.
  • Read, understand and sign to accept the Loan Terms and Conditions and Data Protection Consent form.
  • Present one copy of the duly filled Loan Application Form and all the attached support documents at:
  1. Any of the following Huduma centers with HELB desk nearest to you: Nairobi-GPO, Machakos, Mombasa, Nakuru, Eldoret, Kisumu, Kakamega, Kisii, Nyeri, Embu, Kitui, Bungoma, Lodwar, Meru, Thika, Kitale, Kericho, Nandi, Murang’a, Garissa, Narok, Migori, Chuka, Kilifi, Taita Taveta, West Pokot, Bomet and Makueni for free and secure delivery, OR
  2. HELB Student Service Centre on Mezzanine 1, Anniversary Towers, University Way, Nairobi, OR
  3. Send through registered and secured mail or courier.
  • Retain a copy of the duly filled and signed Loan Application Form [This is mandatory]

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.

See also; HELB Afya Elimu second and subsequent loan application 2020/2021; Second and subsequent

DEADLINE

The closing date for the loan application is January 31, 2021.

kINDLY NOTE;

  • DO NOT PAY anyone to process your HELB loan application.
  • In case of any queries, seek assistance ONLY from HELB ofFicers.
SEE ALSO;

Higher Education Fund Loans, Bursaries Frequently Asked Questions and Answers

Higher Education Fund Loans, Bursaries Frequently Asked Questions and Answers

FREQUENTLY ASKED QUESTIONS

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.

  1. 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?

No guarantors are needed.

FOR MORE INFORMATION, CONTACT US ON:

020 790 3331/ 0746 737 935                info@ufb.go.ke

Maritime Education and Training Scheme (METS)

Maritime Education and Training Scheme (METS)

Eligibility

Maritime Education and Training Scheme (METS) offer financing to students pursuing courses in the Maritime Sector being offered at Bandari Maritime Academy and other Maritime Training Institutions (METI) approved by Kenya Maritime Authority (KMA).

Eligibility criteria:
There are three products under METS with specified eligibilities;

  1. Academic: Applicants must be pursuing Craft certificate or Diploma in Nautical Science and Marine Engineering
  2. Proficiency:
    • STCW Courses
    • Applicants must have completed certificates or diploma in approved METI approved by KMA
    OR
    • Applicants must have relevant sea experience, a CDC (Seafarers Discharge Record Book and Certificate)/Seamans book should therefore be attached.
  3. Competency:
    • Certificate of Competency courses
    • Applicants must have a letter of eligibility from
    Kenya Maritime Authority

The interest rate applicable is 4% per annum on reducing balance chargeable upon Disbursement

  1. Academic: Loans are repayable one year upon completion of studies and the loan repayment period for certificate level is four (4) years and diploma five (5) years.
  2. Proficiency: STCW Courses The Proficiency loan repayment period will be one year.
  3. Competency: Certificate of Competency courses The Competency loan repayment period will be one year.

Are there other charges to the loan?

  • A loan processing fee of Kshs.500 is charged on each disbursement.
  • The loans are insured for loss of life and there is a premium/deductions that is charged.
    1. Applications are done online through the HELB student portal on www.helb.co.ke
    2. Applicants should log in and fill out the required form depending on whether they are pursuing an Academic, Proficiency or Competency course.
    3. Print two copies of the application form.
    4. Ensure the form is properly filled, signed and stamped by the relevant authorities and guarantors
    5. Sign the form and attach all necessary documents as indicated in the check list appearing in the loan application form.
    6. Submit one copy of the duly completed application form with the necessary documents at the HELB Desk at the nearest Huduma Center or at Mezzanine 1 Anniversary Towers
    7. Retain one copy of the duly filled loan application form (Mandatory).

Additional information:

  • HELB will use the email and telephone contacts provided on the Loan Application
  • Form for communication on the progress of the application.
  • The number of students supported and will depend on availability of funds.

Helb Post Graduate Scholarship Application Form, Requirements, Portal

Helb Post Graduate Scholarship Info Pack.

HELB awards partial scholarships to Kenyans pursuing postgraduate programmes (Masters or PHD) in local Public or Private Universities recognized by the Commission for University Education [CUE].

The value of the scholarship award is Kshs. 200,000 and Kshs. 450,000 for Masters and PhD programmes respectively, tenable for 2 years in respect of the Master’s Programme and 3 years for the PhD.

Eligibility:

  1. Letter of Admission into a full or part time Postgraduate university program.
  2. Minimum undergraduate qualification of Second-Class Honors, Upper Division.
  3. Reporting for First year of study.
  4. Preference will be given to applicants undertaking Science, Technology, Engineering, Mathematics, Innovation and Fisheries [STEM IF] and those courses which will directly contribute to the “Big Four Agenda.”
  5. If the applicant is a previous or current HELB loan beneficiary, the applicant MUST be repaying his/her loan or has cleared the loan.

The HELB Postgraduate Scholarship application form is accessible from the Student Portal upon registration.

How to Apply:

  1. The applicant should register, access and duly complete the Postgraduate Scholarship Application (PGSA). The application is accessible through the Student Portal.
  2. After filling the required application details, click and submit the duly completed application then download and print the PGSA.
  3. Proceed to have the PGSA duly signed and stamped by the relevant authorities and attach all the necessary documents as indicated in the checklist.
  4. Scan the filled PGSA and all the attachments in PDF format as one document.
  5. Send the scanned PDF copy to pgscholarship@helb.co.ke.

Note:

  1. Geographical distribution and gender are considered during the Scholarship Award.
  2. Applicants from marginalized regions are highly encouraged to apply.
  3. The applicant shall be prompted to pay a non-refundable application fee of Kshs.3,000 via MPESA once they click on the payment tab on the portal.
  4. Do not pay any individual to process your Postgraduate Scholarship Application.

HELB STUDENT PORTAL REGISTRATION, LOGIN

HELB Account Creation

Higher Education Financing, HEF, Eligibility Criteria: How to determine Scholarship and Loans Amounts

Higher Education Financing, HEF, Eligibility Criteria: How to determine Scholarship and Loans Amounts.

Higher Education Financing Scholarship

Scholarship does not require a student to have National ID card. Must be 2022 [and above] KCSE candidate for University applicant Admitted through Kenya Universities and Colleges Central Placement Service (KUCCPS)

Higher Education Financing Scholarship For undergraduate Students:

  • Must be admitted in public universities. For TVET students:
  • Must be admitted by approved TVET institutions and also placed by KUCCPS [Not necessarily 2022 KCSE graduate].

Higher Education Financing Loan Requirements

  • National ID/KCSE index number.
  • Admission to university/ approved
  • TVET institution recognzied by the Ministry of Education.

Note:

1. Allocation for loans and scholarship will be done based on the applicant’s level of need as determined by the Means Testing Instrument.
2. ALL applications must be done through the website www.hef.co.ke
3. Applicants who qualify for Loan and Scholarship are encouraged to select both before submitting the application.

Higher Education Financing For TVET Students

The new higher education financing model meets each student at their need. Here’s how it works for TVET students. 

 

Helb loans 2025/2026: All you need to know

REPUBLIC OF KENYA
MINISTRY OF EDUCATION PRESS STATEMENT
THURSDAY 31ST JULY 2025: FOR IMMEDIATE RELEASE
SCHOLARSHIPS AND LOANS FUNDING UPDATE FOR THE 2025/2026 ACADEMIC YEAR

The Ministry of Education wishes to reassure all Kenyans, especially students, parents, guardians, and our learning institutions, of the Government’s strong and ongoing commitment to supporting access to higher education for all deserving learners.

We are pleased to confirm that both HELB and Universities Fund have been facilitated by the Government to disburse funds to Universities and Students. Indeed the disbursement of HELB loans for first-year university students will begin on 15th August 2025, in line with the reopening of universities. These funds will be released in phases to ensure a smooth transition into University/TVET College and to help students settle into their academic journey without interruption. In addition, the Universities Fund has begun disbursing first quarter scholarship funds for this FY 2025/2026 to all Public Universities.

Applications for loans and scholarships for 2024 KCSE cohort placed by KUCCPS is ongoing. As of today, 129,403 university students and 60,976 TVET trainees have successfully submitted their Scholarships and loan applications under the Student-Centred Funding Model [SCFM]. The application portal remains open until 31st August 2025, and we encourage all eligible students who have not yet applied to do so before the deadline date.

This academic year under the SCFM HELB and the Universities Fund expects to support 201,695 first-year university students and over 237,000 TVET trainees in addition to 257,523 ongoing students. So far, the submitted applications represent 64% of university applicants and 51% of those expected for the September TVET intake, reflecting good progress. Processing of the already received applications are ongoing to ensure timely funds disbursement to students and Institutions of Higher Learning.

To ensure No Student is left behind, the Government has increased HELB’s annual funding from KSh.36 billion to KSh.41 billion, a significant boost of KSh.5 billion. Of this, KSh.13 billion has already been released to support tuition, and upkeep for students while KShs. 16.9 billion has been allocated to the Universities Fund for Scholarships.

The Ministry remains committed to ensuring that no eligible student is left behind due to financial constraints.

Hon. Julius Migos Ogamba EBS,
CABINET SECRETARY

HELB LOAN SIMPLIFIED APPLICATION GUIDE

It is now very easy to apply for the Higher Education Loans Board, HELB, loans. You can apply for the HELB first time and subsequent loan using this simplified guide.

Type of Helb 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 www.helb.co.ke to access the Student Portal and click on “create an account” to register.
  2. Once the account is created, log in and select the appropriate Undergraduate First Time Loan Application Form [LAF].
  3. Read the literature or view the videos on Financial Literacy and participate in the brief exercise online.
  4. Access and fill the loan application form.
  5. Print TWO copies of the duly filled Loan Application Form [Mandatory]
  6. Have the forms appropriately filled, signed, and stamped by the relevant authorities.
  7. 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
  8. Retain a complete copy of the Loan Application Form [This is mandatory]

Note:

  1. Please ensure that you read, understand, and follow the instructions provided at the beginning of the online loan application process including reading and undertaking the HELB Financial Literacy Programme.
  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 copy of the Applicant’s national ID Card
  2. Copies of the parents’ National ID Cards/death certificate where the parent is deceased
  3. Copies of both guarantors’ National ID Card
  4. A copy of the applicant’s admission letter and KCSE result slip/certificate
  5. A copy of the applicant’s Bank ATM/Bank card (for Government sponsored students only)
  6. A copy of the applicant’s Smart Card from the institution
  7. One recent colored passport size photograph of the applicant.

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.

  1. 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

Please ensure that you read, understand, and follow the instructions provided at the beginning of the online loan application process including reading and undertaking the HELB Financial Literacy Program

Eligible students

  1. Recent beneficiaries of the Undergraduate Loan
  2. Students placed by the Kenya Universities and Colleges Placement Service [KUCCPS] in the local public and private universities
  3. Self-Sponsored, Parallel and Module II Students studying for a Bachelor’s degree only [Certificate, Diploma, Pre-University and Postgraduate students ARE NOT ELIGIBLE FOR THIS PRODUCT]

Loan award

The maximum Undergraduate loan awarded is Kshs. 60,000. For the students placed by Kenya University and Colleges Central Placement Service (KUCCPS), the loan amount is split to cater for both Tuition fee and Upkeep. A standard amount of Kshs. 4,000 for Government sponsored students only is deducted from the loan awarded and disbursed to the university per semester, for tuition [Total Ksh 8, 000] and the rest is sent to the applicant’s bank account as upkeep.

For the Self sponsored students, all the money is sent directly to the university once a year as tuition fees.

An Administrative Fee of Ksh. 500 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 a bursary of between Ksh. 4, 000 and Ksh. 8,000 per year. The Bursary is paid to the university as tuition.

Repaying the Undergraduate 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, one can make voluntary payments before or after completion of studies to reduce the loan balance. HELB UG Loans are charged 4% interest per annum and is repayable up to a maximum of 120 months.