As Kenya transitions into a more targeted and needs-based higher education funding model, the role of HELB has become more crucial than ever. With rising tuition costs and a heavier burden placed on families, upkeep loans and scholarships are no longer optional; they are essential.
In 1995, the Higher Education Loans Board (HELB) was officiated with the help of an Act of Parliament. Its single purpose is quite simple: it exists to finance higher education scene in Kenya. Consider HELB as the mediator between students who are willing to study and money that is required to do that. Be it a public university, a privately-owned one or a college, or even a TVET institution you are enrolled at, HELB can offer or advance you a loan to see you through.
The Higher Education Loans Board recently introduced a new comprehensive financing arrangement known as Higher Education Financing (HEF). The brainchild of President William Ruto, while it has faced some issues since rollout - it has become one of the biggest overhauls in the history of Kenya's higher education funding.
While HELB offers Upkeep loans and Scholarships to students, institutions determine a student’s financing. The Kenya Universities and Colleges Central Placement Service (KUCCPS) has unveiled the latest list of higher education institutions eligible for government financial support and HELB loans, offering students clarity ahead of the new academic year.
KUCCPS confirmed that 42 public universities, along with the Open University of Kenya, are eligible for both government scholarships and HELB loans. These institutions are therefore set to receive the bulk of government-backed higher education financing.
In comparison, 30 private universities qualify for HELB loans only, leaving students in these institutions ineligible for government scholarships.
The placement service further indicated that 272 public Technical and Vocational Education and Training (TVET) colleges under the Ministry of Education can access both government scholarships and HELB loans. This decision aims to expand access to skill-based training and increase enrolment in technical institutions.
Meanwhile, 153 public colleges managed by other government ministries, including the Kenya Medical Training Colleges (KMTC), are approved for HELB loans exclusively. KUCCPS also listed 35 university-level TVET institutions that do not qualify for either government scholarships or HELB loans.
The classification is designed to guide students and parents through the application and placement process, helping them make informed decisions about where to pursue higher education.
Public universities eligible for both HELB and government scholarships;
Multimedia University of Kenya
Murang'a University of Technology
Nyandarua University College
Open University of Kenya
Pwani University
Rongo University
South Eastern Kenya University
Taita Taveta University
Technical University of Kenya
Technical University of Mombasa
Tharaka University
Tom Mboya University
Turkana University College
University of Eldoret
University of Embu
University of Kabianga
University of Nairobi
Alupe University
Bomet University College
Chuka University
Co-operative University of Kenya
Dedan Kimathi University of Technology
Egerton University
Garissa University
Jaramogi Oginga Odinga University of Science and Technology
Jomo Kenyatta University of Agriculture and Technology
Kabarnet University College
Kaimosi Friends University
Karatina University
Kenyatta University
Mama Ngina University College
Kibabii University
Kirinyaga University
Kisii University
Koitaleel Samoei University College
Laikipia University
Maasai Mara University
Machakos University
Maseno University
Masinde Muliro University of Science & Technology
Meru University of Science and Technology
Moi University
Frequently Asked Questions (FAQs)
What is Upkeep in HELB Loan? An element of the Higher Education Financing (HEF) package given to Kenyan students to help with living expenditures, including food and residence, is known as the upkeep HELB loan. The loan money is transferred into the student’s personal bank account or mobile wallet, as opposed to tuition costs, which are transferred straight to the university.
Is Tuition Fee and The Upkeep Loan Different? Yes, a tuition loan is intended exclusively for school bills like tuition fees, while an upkeep loan covers living expenses like housing, food, and everyday essentials. The primary difference between the two is that while upkeep loans cover the more general expenses of living as a student, tuition loans cover the actual cost of classes and teaching. Another difference is HELB disburses upkeep to students accounts, while the institution receives the tuition/scholarship fees.
How to check upkeep Helb loan? There are various ways through which you can stay updated about your loan application ;
Through HELB Portal: You can track your application status through HELB portal. Simply go to the HELB website, click on the Loanees portal link, and then finally log in to your account to check your application status, loan balance, and other details.
Through Your Phone: Dial *642# on your phone to get the USSD service and follow the on-screen instructions. An easy and convenient way to stay updated.
Through Mobile App: You can also download the HELB app on your phone to get instant updates related to your application and fund.
Through Contact Center: HELB has a direct contact center to get instant assistance. You can call 0711 052 000 and get updates.
Can Students Appeal for More Upkeep Support? Yes, students who believe they were underfunded can request a loan review or appeal. To do this, write an official appeal letter explaining your financial situation and why you need more support. You must include relevant documents such as medical reports, guardianship letters, or death certificates. The appeal can be submitted through your university or directly to HELB offices. HELB reviews each appeal on a case-by-case basis, depending on available funds and supporting evidence. While approval isn’t guaranteed, well-documented cases often receive additional support. Students are encouraged to act quickly after receiving their loan award notice. Late appeals or appeals without proof may not be considered.
The Repayment of the Upkeep HELB Loan? The loan has an annual ledger of Kshs. 1,000 and an interest rate of 4%. After studies are finished, repayment begins within a year, or for as long as the Board determines to recall the loan. The maximum repayment period for the loan is 120 months. You can repay your upkeep HELB through the following methods :
Once you are employed, your employer may submit a portion of your monthly salary to HELB directly.
For self-employed graduates or freelancers, the HELB M-Pesa Paybill number makes it simple to make repayments. HELB permits loan repayments via specified bank accounts as well.
