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HELB LOAN APPLICATION FAQs

Are you a first-time HELB applicant? Do you want to know everything about HELB loan registration and application?  Then you are in the right place. We have compiled a list of the most frequently asked questions about HELB.  Let’s start.

What is HELB?

The Board’s objective is to give financial support to needy Kenyan students in institutions of higher learning both locally and abroad. The organization gives loans, bursaries and scholarships for training at public and private institutions of higher learning, which are recognized by the Ministry of Education of Kenya. Thanks to HELB loans, all Kenyan citizens can empower their dreams by getting an academic degree and embarking on a successful career. However, due to financial constraints, it is currently not in a position to provide loans to students studying outside the country and those on Self-Sponsored Programmes (commonly known as the ‘Parallel Programmes’).

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What are the requirements for applying a loan?

  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 do I apply for the loan or download the application forms?

Applications for HELB loan are usually done through the HELB student's application portal. ( www.helb.co.ke )  Interested applicants will be required to log in to the student’s portal to initiate the application and download the application forms.

How much loan can one get?

In accordance with the current Cost Sharing Policy, a student is required to pay Kshs.50,000/- per year to train at a public university. Out of this amount, HELB can award a maximum loan and bursary of Kshs.50,000/- and a bursary of Kshs.8,000.

How do I check for my loan?

  1. Access the HELB website and enter your ID number
  2. Send an email to requesting for your statement to contactcentre@helb.co.ke.
  3. Call HELB on 0722052000
  4. Email contactcentre@helb.co.ke

When can one apply for a HELB loan?

HELB places advertisements in the print media in which it invites applications for loans. The Board maintains a deadline and those applications received after the deadline without justifiable reasons are not processed.

When are Loan Awards released?

HELB releases loan results before the new academic year starts. Thereafter, students who fail to secure a loan or are awarded inadequate amounts are encouraged to appeal. Each appeal is reviewed on its own merit. If one fails to get a loan, the following could be possible reasons:

a) The student may not have provided adequate information about him/herself as requested
b) The student may have provided false information on the loan application form.

READ ALSO: Ranking of Universities in Kenya with highest HIV prevalence rates.

I don’t have an ID card; can I apply for a HELB loan?

Unfortunately, this is not possible at the moment. The national ID is proof of attainment of majority age. The HELB Loan Application form is a contract and legally we are not in a position to enter into a contract with a minor.

Is it compulsory to apply for a HELB loan?

No. You should apply for a HELB loan only if you are in need of the funds.

What is the applicable interest rate and when does it start to accrue?

The interest is currently 4% per annum for direct entry students and 12% for all salaried applicants. The interest will start to accrue immediately after the first disbursement

Am I eligible for a loan in 2nd year if I did not apply in 1st year?

Yes you are. However, one will be required to apply as a first time applicant during the first time applications window.

What if I was awarded a loan but it is not enough, can I request for additional funds?

Yes, if you have a genuine need for additional funds, you can appeal amounts awarded to you by completing the loan review (appeal) form on www.helb.co.ke

READ ALSO : Steps by steps Guide on Filling HELB Loan Application

If I discontinue my education, do I have to pay the amount awarded to me even if I didn’t complete my education?

Yes, once you are awarded a HELB loan, you will be required to fully repay the amount in accordance with the terms & conditions as well as the interest accrued thereafter and penalties incurred (if any)

What if I can’t remember my password for the HELB Online Portal?

Use the “forgot password” option available on the portal to recover your account

What if I can’t see the HELB portal activation link on my email?

Please check your junk or spam emails

Why is my ‘Application Form Defective’?

If any or all of the following are missing then the application is defective and your form will not be processed:
a. Missing signatures and stamps: i.e. applicants’ signature, parents/guardian, priest, Chief or Assistant chief, Commissioner of Oaths or Magistrate and bank. Please note that signatures and stamping is mandatory.
b. Missing documents: if any of the documents on the checklist haven’t been attached then the form will be termed defective. These include: KCSE result slip, Admission letter; if orphaned, copy/copies of parent/s death certificate; if sponsored in High school, a confirmation letter from the school or sponsor and a colored passport size photo which is to be attached to the form before submission.
 c. Scanned copies: the forms to be submitted should be the original copies and not scanned copies, if one submits the scanned copy then it is termed defective since it’s not the original.
d. 2nd & Subsequent loan application forms: All the subsequent application forms MUST be signed and stamped by the Dean of students.

In case of any queries, how do i contact HELB customer service team?

Website: www.helb.co.ke
Student Service Centre: Mezzanine 1 – University Way, Nairobi
Email: contactcentre@helb.co.ke
Tel: 0711052000

Facebook: HELBpage Twitter: HELBpage


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Unemployment in Kenya
There is this job requirement especially in public sector appointments that one must meet the threshold of Chapter 6 of our constitution. Then they state that one must have clearance from HELB, EACC, CRBs, certificate of good conduct, KRA tax compliance etc etc Now, I think Kenyans in our characteristic fashion are out doing ourselves with stupidity. These requirements are being demanded even for very lowly jobs like accounts assistant, HR assistants, secretary, junior IT etc most of which are entry level. 

READ ALSO: How to apply for HELB TVET Loan

In my opinion, the youth are being denied employment opportunities using this chapter six nonsense. How would a fresh graduate get a clearance say from HELB when he has not even gotten a job to pay his first installment. How is that youth who keeps getting short term odd jobs just to survive and life is so difficult that he is unable to pay his mshwari loan or any other loan, supposed to get clearance from the credit reference bureau? He is listed in the first place because of lack of money and that is why he is looking for a job. So to be indebted is a crime now? 

How does a tax compliance certificate help when it is required of someone who has never even earned and has therefore never paid any tax? How do these useless certificates of “Good” conduct help in a country where the rate of crimes recorded to police is less than 1% and the police do not even have a central database. How many people are walking our streets who have fleeced companies of millions, got discovered, got the sack and a disclaimer photo in the papers, but because their employers never followed the matter legally, their criminal past will never appear anywhere when CID is looking for their criminal records in order to give them the Certificate of Good Conduct.

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More importantly, has this chapter six stopped the big guys from fleecing Kenyans billions from public coffers? Did chapter six stop CS Wario, Ann Waiguru, Ngilu, Rotich, Ruto etc ? Did chapter six stop Joho from importing uncustomed and undeclared contraband sugar? I say this chapter six nonsense is being misused greatly. Some of these organizations asking for chapter six requirements do not even qualify for chapter six themselves. Some county governments and parastatals are indebted heavily to the tune of billions to a point where some utility companies have sometimes cut off services like water and electricity because of nonpayment yet you find them requiring the chapter six credentials in their advertised jobs. Do they themselves qualify for the credit bureau certification with all those overdue debts? I don’t think so. Nonsense!!! 

RESIST. REVOLT.

READ ALSO : The curse of the First Class Honours from Kenyan universities

Please read the instructions below before filling the application form. Ensure you adhere to the rules. Incase of any difficulties, please email HELB help desk :- lending@helb.co.ke

The Tivet Loan Application is divided into the following categories: Applicant personal and residence details, institutional details, education, expense and parents details.
a) INFORMATION ON PROFILE
This comprises of two sub categories as elaborated below.Please fill each section before proceeding to the next item.

READ ALSO : HELB Loan Application Frequently Asked Questions
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.

READ ALSO : VIDEO : How to Apply for TVET Loan using the Online System
b) 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.
c) 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
d) 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.

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e) 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, income etc.
c) Applicant :- Guardian's Details
If the applicant is orphaned he/she will be required to fill in the gurantors' details.

For more info, visit www.helb.co.ke

READ ALSO : The curse of the First Class Honours from Kenyan universities


The Higher Education Loans Board [HELB] invites applications for the 2018-2019 for Loan and Bursary from eligible applicants in public Technical, Vocational Education and Training (TVET) recognized by the Ministry of Education [MoE], registered with Kenya Universities and Colleges Central Placement Service [KUCCPS] and a member of The Kenya Association of Technical Training Institutions [KATTI] 

READ ALSO : HELB Loan Application Frequently Asked Questions

Application Eligibility:

Students enrolled in approved TVET courses and applying for first time, second and subsequent.

The closing date for the TVET Loan & Bursary applications is on 30th October, 2018.
Wondering how to apply for your TVET Loan? Watch the video below to learn how to apply upto Kshs 40,000 today! Enjoy.


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