For many students in Kenya, higher education would be nearly impossible without financial support. That’s where the Higher Education Loans Board (HELB) comes in. If you’re joining university or college in 2025, applying for the first-time HELB undergraduate loan can ease the burden of tuition fees, accommodation, books, and other student expenses.
In this comprehensive blog, we walk you through everything you need to know to apply for HELB for the first time in 2025 — step by step.
What Is HELB?
HELB is a government agency under the Ministry of Education that provides loans, bursaries, and scholarships to Kenyan students pursuing higher education. The undergraduate loan is typically targeted at students enrolled in:
- Public and private universities
- TVET institutions
- Government-sponsored or self-sponsored programs
Who Is Eligible for HELB in 2025?
To qualify for HELB as a first-time applicant, you must:
- Be a Kenyan citizen
- Have a valid admission letter to a recognized university or college
- Have a National ID card
- Have a valid email address and phone number
When Does HELB Application for 2025 Start?
HELB applications for first-time undergraduate students typically open between June and August, depending on the academic intake (e.g., KUCCPS placement). Deadlines vary, so it’s important to keep checking the HELB Portal or BrightKenya for updates.
Step-by-Step HELB Application Process (2025)
Step 1: Register on the HELB Portal
- Visit https://portal.helb.co.ke/
- Click “Register” to create a student account
- Use your valid National ID number, email address, and phone number
✅ Pro Tip: Use your personal email and phone — not a cyber café’s!
Step 2: Fill in the Undergraduate First-Time Loan Application Form
Once registered, log in and navigate to:
- Loans > Undergraduate First-Time Loan Application
- Carefully fill in the online form. You’ll need to provide:
- Your admission details
- Family background
- Education history
- Banking details (open a student account if you haven’t)
✅ Use Bank accounts linked to your name, preferably with Equity, Cooperative, or National Bank (partners with HELB).
Step 3: Print the Loan Application Form
After completing the form:
- Click “Submit” to generate a PDF
- Download and print two copies
Step 4: Sign and Get All Relevant Signatures
You’ll need signatures from:
- Your parents/guardians
- Your area chief
- A commissioner of oaths or magistrate
- Bank officer (for account confirmation)
- Employer or religious leader (as a guarantor if needed)
✅ Don’t skip any section — incomplete forms lead to delays or rejection.
Step 5: Submit Your Application
Submit the signed form to the nearest Huduma Centre or the HELB Student Service Centre located at Anniversary Towers, Nairobi (Mezzanine 1 Floor).
Always ask for an acknowledgment slip after submission.
How Much Can You Get from HELB?
The amount varies depending on your need and institution:
- Ksh 35,000 – Ksh 60,000 per year for university students
- Up to Ksh 40,000 for TVET students
💡 HELB sends part of the loan to your school (tuition) and part to your bank account (upkeep).
How to Track Your HELB Application Status
You can monitor your application on the HELB portal under the “Loan Status” tab. Updates may take a few weeks.
Common Mistakes to Avoid
- Using someone else’s email or phone
- Submitting incomplete forms
- Failing to get all required signatures
- Providing wrong bank account details
- Missing deadlines
Frequently Asked Questions (FAQs)
Q: Do I need a KRA PIN to apply for HELB?
Yes, you need a valid KRA PIN. You can register for one via iTax.
Q: What if I don’t have an ID yet?
Unfortunately, a National ID is mandatory. Apply for it immediately if you haven’t already.
Q: Is the loan free?
No — HELB is a loan, not a grant. You’ll repay it after graduating and getting employed.
Final Thoughts
HELB is a vital support system for thousands of Kenyan students. With this 2025 step-by-step guide, you now know exactly how to go about your application. Don’t delay — start preparing your documents, and submit your HELB form before the deadline to secure your financial support.
For timely updates, follow BrightKenya.com or sign up for our free student alerts.
