Introduction
The Higher Education Loans Board (HELB) plays a crucial role in helping Kenyan students finance their university and TVET education. Whether you’re joining university for the first time or you’re already enrolled, learning how to apply for HELB loan can help ease your financial burden and focus on your studies.
In this detailed guide, we’ll cover the full process of HELB loan application for both first-time applicants and continuing students in Kenya.
Who Can Apply for a HELB Loan?
You are eligible to apply for HELB if you are:
- A Kenyan citizen
- Enrolled in a recognized public or private university
- Studying at an accredited TVET institution under KUCCPS
- An undergraduate, diploma, or certificate student
Types of HELB Loans
- Undergraduate Loans (for university students)
- TVET Loans (for diploma and certificate students)
- Postgraduate Loans (for master’s and PhD students)
- Jielimishe Loans (for salaried students pursuing further education)
Requirements Before You Apply for HELB
- A valid national ID
- Admission letter from your institution
- KCSE index number
- Your parents’ or guardians’ ID numbers
- Bank account (preferably from banks like KCB, Equity, Cooperative, or National Bank)
- A registered mobile number (Safaricom preferred)
- Your email address
- Copies of ID from two guarantors
Step-by-Step: How to Apply for HELB Loan (First Time Applicants)
Step 1: Visit the HELB Portal
Go to https://portal.helb.co.ke
Step 2: Create an Account
- Select the “Register” option
- Enter your ID number, email, and create a secure password
- Activate your account via email
Step 3: Choose the Appropriate Loan Type
For example:
- Undergraduate – First Time
- TVET – First Time
- Jielimishe – First Time
Step 4: Fill in the Loan Application Form
- Provide personal details, education history, family background
- Upload required documents (ID copy, admission letter, etc.)
Step 5: Print and Sign the Form
- Download and print the HELB loan application form
- Sign it and have your guarantors sign as well
- Attach all supporting documents (copies of ID, admission letter, etc.)
Step 6: Submit the Form
Drop the fully signed form and documents at:
- Any Huduma Centre
- HELB offices at Anniversary Towers, Nairobi
- Some universities also collect HELB forms
For Second and Subsequent HELB Applications
The process is fully online:
- Log in to the HELB portal
- Select the “Second and Subsequent” application
- Update any changes in your profile
- Submit online (no printing required)
How Much Can You Receive From HELB?
For undergraduate and TVET students, HELB disburses between KES 35,000 and 60,000 per year, depending on your need assessment.
- Tuition is sent directly to the institution
- Upkeep is sent to your bank account or mobile wallet
When is the HELB Application Deadline?
HELB usually announces application periods around:
- June to August for first-year KUCCPS students
- January to March for subsequent applications
Always check the HELB website and your university notices.
Tips for a Successful HELB Application
- Ensure your documents are clear and correctly scanned
- Double-check all details before submitting
- Use correct index numbers and KCSE year
- Don’t delay—apply early to avoid last-minute issues
Common HELB Loan Application Mistakes
- Submitting incomplete forms
- Incorrect bank or phone details
- Missing guarantor information
- Uploading blurry or unreadable documents
HELB Contacts for Support
- Phone: 0711 052000
- Email: contactcentre@helb.co.ke
- Location: Anniversary Towers, Nairobi
Conclusion
Understanding how to apply for HELB loan is an important step toward securing your higher education. Whether you’re applying for the first time or renewing, the HELB process is straightforward if you follow all the steps carefully. Take advantage of this support and focus on building a brighter future through education.
