The Higher Education Loans Board (HELB) is a lifeline for Kenyan students pursuing higher education, ensuring financial barriers don’t stand in the way of academic dreams. For continuing students, the HELB subsequent loan application is a critical step to secure funding for the 2025/2026 academic year. With the application deadline set for August 31, 2025, it’s essential to act promptly to avoid missing out on scholarships, loans, or bursaries. This comprehensive guide covers everything you need to know about the HELB subsequent loan application process, eligibility criteria, deadlines, and tips for a seamless application. Whether you’re using the HELB App, USSD code *642#, or the HEF Portal, we’ve got you covered with step-by-step instructions and expert insights.
What is a HELB Subsequent Loan?
A subsequent HELB loan is designed for continuing students who have previously benefited from HELB funding and need financial support for subsequent academic years. Unlike first-time applicants, subsequent applicants are already registered with HELB and follow a streamlined process to reapply for loans, scholarships, or bursaries. These loans typically cover tuition, books, accommodation, and subsistence costs, with a low interest rate of 4% per year and an annual ledger fee of Kshs. 1,000.
Why Reapply Every Year?
HELB requires students to reapply for funding each financial year to reassess eligibility and financial need. Failure to submit your application by the August 31, 2025, deadline may result in exclusion from loan or scholarship disbursements, potentially disrupting your academic journey. The reapplication process ensures that HELB can allocate funds equitably based on the Student-Centred Funding Model (SCFM), which considers financial need through the Means Testing Instrument (MTI).
Key Dates for HELB Subsequent Loan Application 2025/2026
Timing is critical when applying for a HELB subsequent loan. Here are the essential dates to mark on your calendar:
- Application Opening Date: July 2, 2025, for the 2025/2026 academic year.
- Application Deadline: August 31, 2025.
- Disbursement Timeline: Loan processing typically takes 4-6 weeks after a completed application, provided there are no issues.
To avoid delays, HELB recommends applying at least one month before your university or TVET institution’s opening date to allow ample processing time.
Eligibility Criteria for HELB Subsequent Loans
Before diving into the application process, ensure you meet the eligibility requirements for a subsequent HELB loan:
- Continuing Student Status: You must be a continuing student at a public or private university or TVET institution recognized by the Commission for University Education (CUE) or relevant accrediting body.
- Previous HELB Funding: You must have received a HELB loan or scholarship in a previous academic year.
- Program Duration: The number of loans depends on your course duration (e.g., up to 4 loans for a 4-year degree or 5 loans for a 5-year program).
- Valid Documentation: You need a registered Safaricom phone number, a national ID (or KCSE index number for minors), and a valid email address.
Note: Postgraduate students, pre-university students, and those pursuing certificate or diploma programs (except TVET) are not eligible for undergraduate loans.
How to Apply for a HELB Subsequent Loan: Step-by-Step Guide
HELB offers multiple application methods to cater to students’ varying access to technology. You can apply via the HELB App, USSD code *642#, M-Pesa Mini App, or the HELB Student Portal. Below, we outline each method in detail to help you choose the most convenient option.
1. Applying via the HELB App
The HELB Mobile App is one of the most user-friendly ways to apply for a subsequent loan, especially for students with smartphones. Here’s how to do it:
- Download the App:
- Visit the Google Play Store and download the latest version of the HELB Mobile Application.
- Ensure you update the app if you already have it installed, as recent upgrades may affect functionality.
- Register or Log In:
- Register using your Safaricom phone number (must be registered in your name and used for M-Pesa transactions).
- Enter your first name, national ID number, email address, and KRA PIN (if applicable).
- The app will generate a 4-digit PIN for logging in. If you’re a returning user, log in with your existing PIN.
- Complete Financial Literacy:
- Read the mandatory financial literacy notes and answer a brief Question & Answer session to understand credit responsibilities.
- Scroll down to view your results and click “Proceed”.
- Select Loan Type:
- Navigate to the “Loans” tab and select “Undergraduate Loans” or “TVET Loans” (depending on your institution).
- Choose “Subsequent Loan Application” to access the Loan Application Form (LAF).
- Fill in Details:
- Complete the form with accurate personal and institutional details.
- Verify your phone number and accept the loan terms and conditions.
- Submit Application:
- Click “Submit” to finalize your application.
- A pop-up message will confirm successful submission, displaying your loan serial number. Save this for future reference.
2. Applying via USSD Code *642#
For students without smartphones or reliable internet, the *USSD code 642# is a quick and accessible option. Follow these steps:
- Dial *642#:
- Use a Safaricom line registered in your name.
- Log In or Register:
- Select the “Login” option and enter your PIN. If you’re a first-time user, enter your national ID number to create a PIN.
- Select Loan Application:
- Choose the “Loan Application” option, then select “Subsequent Loan”.
- Accept Terms:
- Agree to the loan terms and conditions by selecting the appropriate option.
- Verify Phone Number:
- Confirm your phone number by making a nominal payment of Kshs. 1 via M-Pesa, using your national ID number as the account reference.
- Complete Application:
- Follow the prompts to enter required details and submit.
- You’ll receive an SMS with your loan serial number as confirmation.
3. Applying via M-Pesa Mini App
The M-Pesa Mini App offers another convenient method for applying through your M-Pesa account:
- Access the M-Pesa App:
- Download the M-Pesa App from the Google Play Store, Apple App Store, or Huawei App Gallery.
- Log in using your M-Pesa-registered Safaricom number.
- Navigate to HELB:
- Go to the “Home” page, select “Categories”, then “Education”, and choose “HELB”.
- Register and Apply:
- Register using your phone number and follow the prompts to access the Subsequent Loan Application Form.
- Complete the form and submit.
- Confirmation:
- You’ll receive a confirmation SMS with your loan serial number.
4. Applying via the HELB Student Portal
For those preferring a browser-based application, the HELB Student Portal is a reliable option:
- Access the Portal:
- Visit www.helb.co.ke and log in to the Student Portal using your credentials. If you don’t have an account, click “Create an Account” and register with your email address and national ID or KCSE index number.
- Select Loan Application:
- Navigate to the “Loans” tab and select “Undergraduate Subsequent Loan” or “TVET Subsequent Loan”.
- Complete Financial Literacy:
- Read the financial literacy guide and answer the questions.
- Fill and Submit:
- Complete the Loan Application Form (LAF) with accurate details.
- Submit the form and retain the loan serial number sent via SMS or email.
Required Documents for HELB Subsequent Loan Application
While subsequent applications are paperless, you must ensure your details are up-to-date. The following may be required during verification:
- National ID: Your ID or KCSE index number (for minors).
- Safaricom Phone Number: Registered in your name for M-Pesa transactions.
- Email Address: A valid and active email.
- Parent/Guarantor Details: National ID numbers and phone numbers of parents or guarantors (or death certificate if deceased).
- Bank Details: A bank card/ATM or M-Pesa number for government-sponsored students.
- Admission Letter and KCSE Results: Copies may be required for verification.
Tip: Ensure all phone numbers and IDs provided are registered in the respective owners’ names to avoid verification issues.
Tips for a Successful HELB Subsequent Loan Application
To maximize your chances of approval and timely disbursement, follow these best practices:
- Apply Early: Submit your application well before the August 31, 2025, deadline to avoid last-minute technical issues.
- Use a Registered Safaricom Line: Ensure your phone number is linked to your national ID and M-Pesa account for seamless verification.
- Double-Check Details: Incorrect information, such as mismatched IDs or phone numbers, can delay processing.
- Complete Financial Literacy: Don’t skip the mandatory financial literacy questions, as they’re required to proceed.
- Save Your Loan Serial Number: This number is proof of your application and useful for tracking status.
- Monitor Your Application: Check the HELB Student Portal or contact contactcentre@helb.co.ke for updates on your loan status.
Common Challenges and Solutions
Students may encounter issues during the application process. Here are common problems and how to address them:
- App Errors: If the HELB App fails, try updating it or use the USSD code *642# as an alternative.
- Invalid Phone Number: Ensure your Safaricom number is registered in your name. If not, visit a Safaricom shop to update your details.
- Forgotten PIN: Use the “Forgot Password” option on the HELB App or Portal to reset your PIN.
- Eligibility Issues: If the app indicates you’ve exhausted your loans, confirm your course duration with your institution and contact HELB for clarification.
Loan Amount and Disbursement
The HELB subsequent loan amount varies based on financial need, ranging from Kshs. 35,000 to Kshs. 60,000 per year. The loan covers:
- Tuition Fees: Paid directly to your institution.
- Upkeep: Disbursed to your bank account or M-Pesa for personal expenses like accommodation and books.
Disbursement typically occurs 4-6 weeks after a successful application, with notifications sent via SMS or email. You can withdraw upkeep funds via the M-Pesa Mini App by selecting the “Withdraw” option under the HELB tab.
Appeals Process for Rejected Applications
If your application is rejected, you can appeal through the HELB Appeals Mechanism. Provide additional documentation to support your case, such as proof of financial need or updated personal details. Contact HELB at contactcentre@helb.co.ke or visit the HELB Student Service Centre at Anniversary Towers, Nairobi, for assistance.
Why HELB Loans Matter for Kenyan Students
Since its establishment in 1995, HELB has been a cornerstone of Kenya’s education system, empowering thousands of students to access higher education. With low-interest loans, bursaries, and scholarships, HELB ensures that financial constraints don’t derail your academic aspirations. The Student-Centred Funding Model introduced in 2023 further enhances equity by tailoring funding to individual needs.
By applying for a subsequent loan, you’re investing in your future while benefiting from:
- Affordable Financing: A 4% interest rate is significantly lower than commercial loans.
- Flexible Repayment: Repayment begins after completing your studies, with options for employed or self-employed graduates.
- Bursaries and Scholarships: Needy students may qualify for additional grants to supplement loans.
Frequently Asked Questions (FAQs)
- Can I apply for a HELB loan if I’m in a private university?
Yes, as long as your institution is recognized by the Kenyan government. - What happens if I miss the August 31, 2025, deadline?
Late applications are generally not accepted, so apply early to avoid missing out. - How do I check my loan status?
Log in to the HELB Student Portal or use the HELB App to track your application and disbursement status. - Is the HELB loan interest-free?
No, it carries a low interest rate of 4% per year. - Can I apply if I don’t have a smartphone?
Yes, use the USSD code *642# on any mobile phone.
The HELB subsequent loan application for the 2025/2026 academic year is a vital opportunity for continuing students to secure financial support for their education. With a deadline of August 31, 2025, now is the time to act. Whether you choose the HELB App, USSD code *642#, M-Pesa Mini App, or HELB Student Portal, the process is designed to be accessible and efficient. By following the steps outlined in this guide, ensuring your details are accurate, and applying early, you can navigate the process with confidence.
Don’t let financial barriers hold you back—apply for your HELB subsequent loan today and pave the way for a brighter academic future. For further assistance, visit www.helb.co.ke, www.hef.co.ke, or contact HELB at contactcentre@helb.co.ke.
