
The Higher Education Loans Board, Helb, has a special loan for all employed Kenyans. This loan is known as the Jielimishe Loan.
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.ke to check whether your company is eligible)
Note:
- Loan applications are done online on www.helb.co.ke.
- 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
Note:
Loan applications are done online on www.helb.co.ke
Repayment:
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.
SEE ALSO;
- HELB LOANS, WEBSITE, PORTAL & SERVICES: Your ultimate guide on all requirements, application, disbursement and repayment of HELB Loans and Bursaries
- Helb- This is all you need to know concerning helb loans; application, processing, disbursement, repayment and clearance
- Guide to the HELB Mobile Short code used for loan repayment, application and Disbursement status
- Helb undergraduate loans latest news: Amount awarded, disbursement and requirements: Full details
- How to apply for HELB loan clearance, compliance certificate and refund; requirements and process
- How to apply for HELB Post Graduate Scholarships for Masters and PHD students: Plus Requirements
- Helb student loans; How to repay Helb loans via Mpesa, Bank Deposit, Wave, World Remit, Diaspora Payment methods
- Complete information about the Higher Education Loans Board, Helb; Loan applications and repayments
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:
- 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 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:
- 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 Undergraduate First Time Loan Application Form [LAF].
- 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 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 Loan Application Form [This is mandatory]
Note:
- 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.
- It is recommended that students prudently manage their HELB loans once disbursed to cater for Tuition, books, stationery, accommodation, and subsistence.
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.
How to apply on the HELB App as a second and Subsequent applicant
- Applicants should visit Google play store and download the HELB Mobile Application.
- 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
- 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”.
- Click on loans then select undergraduate loans to get the Undergraduate Subsequent Loan Application Form [LAF].
- 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.
- 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
- 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.
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