HELB was established with the aim of not just recovering all matured loans, but to raise sufficient funds to meet the rising loan demand and attain faster turnaround in loan repayments.

It consists of three tiers:

  • Undergraduate section, which deals with recovery of undergraduate loans
  • Jielimishe Loan section that is charged with the responsibility of disbursing and recovering of loans from salaried students.
  • Allocation section charged with the responsibility of collection and updates of loanees’ accounts.
    The Debt Management Department is committed to recovering all matured loans with utmost diligence in line with the HELB Act 1995 and in conformity with the dynamic customer expectations.

Repaying your Student Loan

Undergraduate Loan Repayment starts within one year of completion of studies or within such a period as the Board decides to recall the loan whichever is earlier. However, you can make voluntary payments before or after you complete your studies to reduce your loan balance.

Completion of Loan Repayment

Upon completion of loan repayment, kindly seek clearance from HELB. Please note that only HELB and not your employer can confirm your loan repayment status. HELB shall confirm loan repayment completion by issuing certificate of clearance. For clearance, please fill in the HELB Enquiry form.

Over Repayment

If you overpay your loan, you will receive a refund from HELB and not your employer. To claim refund, please fill in the Loan Recovery Enquiry form.

Jielimishe Loans (for salaried students)

Jielimishe Loans are due for repayment immediately upon disbursement. Successful applicants shall be notified via e-mail.

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Loanee Obligations

All loanees [HELB loan beneficiaries] are required to start repayment after a period of one year on completion of studies, or within such a period as the Board may decide to recall the loan whichever is the earlier (Section 15 HELB Act). Paying the higher education loans at an early age reduces an individual’s financial burden in midlife when one is bringing up a family, paying a mortgage as well as planning for retirement. Among other advantages of paying the loans include; reduction of the number of loans that an individual has hence avoid being blacklisted with the Credit Reference Bureau (CRB) hence one can easily get a bank loan.

To ease your repayment, the Board has developed several different modes of repayment that suits the loanees who are employed and self-employed such as check off system, mobile payment that include M-Pesa, Airtel among others.

Therefore your obligation as a Loanee under the Act is to;

  • Inform the Board of your contact addresses (section 15 (a) HELB Act),
    Begin repayment of your loan together with the interest accrued thereon (Section 15(b) HELB Act)
  • Facilitate the deduction and remittance of the loan to the Board – (Section 15 (c) HELB Act).

    Employers Obligations

The Higher Education Loans Board Act, 1995 demands that employers adhere to the law as stipulated below:

  • Disclose Loanees: Inform the Board that they have employed loanee(s). This should be done within three months from the date of employment. (Section 16(1) (a) of the HELB Act)
  • Deduct from the wages or remuneration of the loanee(s) the amount of any loan as instructed by the Board (Section 16(i)(b) of the HELB Act)
  • Discharge/remit the amount deducted from the loanee’s wages or remuneration
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HELB offers various loan repayment methods as follows:

1.Local Repayment Methods:

(a) Mobile Payment Services: M-PESA
Using M-PESA (Safaricom)

  • Open Safaricom SIM Tool Kit
  • Select M-PESA
  • Select Lipa na M-PESA
  • Select Pay Bill
  • Select Enter Business no. HELB’s Lipa na M-PESA PayBill Number 200800 and press OK
  • Select Enter Account no. National ID Number (e.g. 1789xxxxx) press “OK”
  • Enter Amount and press OK
  • Enter M-PESA PIN and press OK
    M-PESA HAKIKISHA, You will get a notification e.g. “Pay HELB KSh1,000.00 for Account 1789xxxxxx. To STOP this transaction send any letter or number within 25 seconds Cost: Ksh24.00”. Pressing Cancel will complete the transaction.
    You will receive a confirmation SMS from M-PESA.

It takes up to 72 hours for HELB to update your payment information on the account
transfers immediately.

(b) Bank Deposit
All payments are payable to Higher Education Loans Board, by crossed cheque, bankers draft, direct transfer/standing order/EFT or cash deposit to HELB collection A/C in any of the following banks:
Bank – Citi Bank
A/C No. – 300 040 012
Branch – Nairobi
Swift Code – CITIKENA

Co-operative Bank
A/C – 011290 612 228 00
Swift Code – KCOOKENA

Barclays Bank
A/C No. – 077 501 8216
Barclays Plaza
Swift Code – BARCKENX

Kenya Commercial Bank
A/C No. – 1103 266 314
University Way
Swift Code – KCBLKENX

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Standard Chartered Bank
A/C – 010 801 826 4700
Koinange Street
Swift Code – SCBLKENX

Equity Bank
A/C – 055 029 357 3408
Equity Center
Swift Code – EQBLKENA

National Bank of Kenya
A/C – 01001060391100
Harambee Avenue
Swift Code – NBKEKENX

Family Bank
A/C – 035 000 024 971
Family Bank Towers

Chase Bank
A/C – 0332084215001

NIC Bank
A/C – 1002247638
Branch NIC Hse

Jamii Bora Bank
A/C – 0011748527001
Branch – Koinange Street

2.Diaspora Repayment methods 


  • You can make payments instantly from the US and Canada through Wave via KCB account number 1103266314.
  • Go to www.sendwave.com to update/download the app and then make transfers immediately.
  • Please forward the wave email notification as well as your ID NUMBER to OnlinePayments@helb.co.ke

(b) World Remit

  • Log in to www.worldremit.com
  • Select the ‘Bank Deposit’ service from the blue ‘Send to’ box on this page
  • Choose whether to make the transfer to a Kenyan shilling (KES) or US dollar (USD) account
  • Enter the amount you want to transfer
    We’ll show you the highly competitive exchange rate you’ll receive and any fees upfront
  • Enter recipient’s details KCB ACCOUNT NUMBER 1103266314
  • Pay online using a credit or debit card
  • Use your ID number as the reference
  • You and your recipient will receive SMS and email notification once the transfer is complete
  • Please forward the wave email notification as well as your ID NUMBER to OnlinePayments@helb.co.ke


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