The Higher Education Loans Board (HELB) is a lifeline for many Kenyan students pursuing higher education. Whether you’re studying at a university or a TVET institution, HELB ensures that financial constraints don’t hinder your academic progress.
For students who have previously received a HELB loan, the Subsequent Loan Application is essential to continue receiving funding. This guide will walk you through the process, eligibility, and tips to increase your chances of approval.
Types of HELB Loan Applications
Before we dive into subsequent loan applications, it’s essential to understand the two main types of HELB loans:
- First-Time Loan Application
- This is for students applying for a HELB loan for the first time.
- It requires more documentation and a lengthy approval process.
- Subsequent Loan Application
- This is for students who have already received HELB funding and need additional financial support for the next academic year.
- The application process is simpler and faster than a first-time application.
Since you’ve already received a HELB loan, you’re in the right place! Let’s explore how you can apply for a HELB subsequent loan in 2025 without any hassle.
Who Can Apply for a HELB Subsequent Loan?
You’re eligible for a HELB subsequent loan if you meet the following criteria:
✅ You are a Kenyan citizen (HELB is strictly for Kenyans).
✅ You have received a HELB loan before and need continued funding.
✅ You are still enrolled in a recognized university or college in Kenya.
✅ You have performed well in your previous academic year (no repeat years).
✅ You have not defaulted on previous HELB loans (ensure your loan status is clear).
How Many Subsequent Loans Can You Get?
HELB typically provides loans for up to four years for undergraduate students, aligning with the standard length of most degree programs. However, for courses that take longer, such as Medicine and Engineering, students can receive loans for additional years.
📌 Tip: Always apply early to avoid missing out on funding!
Step-by-Step Guide: HELB Subsequent Loan Application 2025
Applying for a subsequent loan is easier than a first-time application. Follow these steps to apply online via the HELB Student Portal:
1. Log Into the HELB Student Portal
- Open your browser and visit the HELB website.
- Click on the “Student Portal” link.
- Use your National ID number and password to log in.
💡 Forgot your password? Click on “Forgot Password” and follow the reset instructions.
2. Navigate to the Loan Application Section
- Once logged in, find the section labeled “Apply for Loan” or “Subsequent Loan Application”.
- Click on it to begin your application.
3. Fill Out the Online Application Form
You’ll be required to provide the following details:
✔ Personal Information – Confirm your name, ID number, and contact details.
✔ Academic Information – Your institution, course, and year of study.
✔ Financial Information – A declaration of your financial needs.
📌 Ensure all details are accurate! Any errors could delay approval.
4. Upload the Required Documents
The system will prompt you to upload necessary documents, which may include:
- 📄 Your admission letter (showing proof of enrollment).
- 📄 Your previous loan statement (showing past HELB disbursements).
- 📄 Academic transcripts (showing you’ve passed the previous year).
📝 Note: All documents should be scanned clearly before uploading.
5. Review and Submit Your Application
- Double-check all your information for accuracy.
- Click the “Submit” button to complete your application.
- A confirmation message will be sent via SMS or email.
📌 Pro Tip: Take a screenshot or print the confirmation message as proof of application.
Alternative Ways to Apply for a Subsequent HELB Loan
HELB has made it even easier for students to apply without needing a computer. Here are two alternative methods:
1. Using the HELB Mobile App
- Download the HELB Mobile App from Google Play Store.
- Log in using your credentials (ID number and password).
- Select “Subsequent Loan Application” and follow the prompts.
- Fill in the required details, upload documents, and submit your application.
*2. Using the USSD Code (642#)
- Dial *642# on your phone.
- Select “Subsequent Loan Application.”
- Follow the prompts to enter your details.
- You’ll receive an SMS confirmation after submitting.
📌 Pro Tip: Ensure your phone number is registered with HELB for smooth processing.
How Long Does It Take to Process a Subsequent HELB Loan?
The processing time for subsequent HELB loans is 2 to 4 weeks. However, delays can occur due to:
❌ Incomplete applications (missing documents or incorrect details).
❌ System congestion during peak application periods.
❌ Pending balances from previous HELB loans.
📌 Tip: Apply early to avoid delays and financial strain.
How to Check Your HELB Loan Status
After applying, you can check the status of your loan disbursement:
- Log into the HELB Student Portal and check your account.
- Use the HELB Mobile App to track disbursement progress.
- *Dial 642# to receive an SMS update.
- Follow HELB on social media (@HELBpage) for official updates.
📌 Important: If your loan is approved, funds will be sent directly to your university/college for tuition and to your bank account or mobile wallet for upkeep.
Common Reasons for HELB Loan Rejection & How to Fix Them
Sometimes, a subsequent HELB loan application might be declined. Here are some possible reasons and how to fix them:
| Reason for Rejection | How to Fix It |
|---|---|
| You have a pending balance from previous loans. | Clear outstanding amounts or make a payment plan with HELB. |
| You did not pass the previous academic year. | Provide proof of supplementary exams or repeat year details. |
| Your academic details don’t match HELB records. | Update your information at your institution and reapply. |
| Missing or unclear documents. | Ensure all documents are correctly scanned and re-upload. |
Education is one of the most important investments in your future. If you rely on HELB loans for funding, ensure you apply early and follow all steps carefully to avoid any delays.
👉 Are you ready to apply? Visit the HELB website today and secure your funding for 2025!
