HELB Loan Application as a First-Time Student in Kenya Guide

If you’ve been admitted to a university or college by KUCCPS in Kenya and need financial support, applying for a HELB loan is one of the most important steps you can take. The Higher Education Loans Board (HELB) provides funding to help students cover tuition fees, accommodation, and upkeep expenses while studying.

Here’s a simple, step-by-step guide on how to apply for a HELB loan as a first-time applicant in 2025.

Steps of Applying for a HELB Loan for First-Time Students

Step 1: Create an Account on the HELB Student Portal

Visit the official website: www.helb.co.ke
Click on “Student Portal” at the top menu.
Register for a new account using your national ID number and email address.
Set a secure password and confirm your email to activate the account.

Step 2: Fill in the HELB Loan Application Form

Once logged in:

Select “First Time Undergraduate Loan” or the correct loan type (TVET, postgraduate, etc.).
Carefully fill in your personal details, academic information, and family background.
Indicate the amount you need and provide accurate bank details (Equity, KCB, Cooperative, or National Bank).

Attach required documents (scanned copies), such as:

National ID (student and parents/guardians)
Admission letter
KCSE result slip
Birth certificate
Current passport-size photo

Step 3: Print and Sign the Loan Application Form

After completing the form:

Download and print the Loan Application Form (LAF).
Sign the form and have it signed and stamped by:
Your parent/guardian
Commissioner of oaths or magistrate
Your chief or religious leader
You’ll also need two guarantors who must be employed and registered with HELB.

Step 4: Submit the Form to HELB

Submit the completed and signed form to the nearest Huduma Centre or HELB offices at Anniversary Towers, Nairobi. Do not submit it online. Make sure you keep a copy of the stamped form for your records.

Step 5: Wait for Disbursement

HELB will review your application and notify you via SMS or email once your loan is approved. The funds are usually disbursed in two parts:

Tuition fees usually go to your institution directly.
Upkeep allowance is deposited to your bank account.
You can also check your loan status on the HELB app or student portal.

Final Tips

Apply early to avoid delays, especially just after receiving your admission letter.
Double-check all documents for accuracy.
Follow HELB on social media for deadline updates and tips.