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Loan Repayment and Recovery

The Loans Recovery and Repayment Department was established with the core mandate to recover all matured loans. Loan recovery is considered to be a key strategic initiative to raise sufficient funds to meet the rising loan demand and attain faster turnaround in loan repayments.

The department consists of two sections:

  1. Undergraduate section which deals with recovery of undergraduate loans and
  2. Alternative section that is charged with the responsibility of disbursing and recovering of postgraduate loans, continuing education loans and administration of scholarships.
  3. Allocation section charged with the responsibility of collection and updates of loanees’ accounts


  • Maximize loan recovery,
  • Reduce non-performing loan,
  • Provide quality customer care.

Mission of the department

  • To recover all outstanding university students’ loans and create a viable Revolving Fund to promote access, equity and equality of opportunity for Kenyans pursuing higher education

Quality policy statement

  • The Loan Repayment and Recovery Department is committed to recovering all matured loans with utmost diligence in line with the HELB Act 1995 and in conformity to the dynamic customer expectations.

When is the loan due for repayment?

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. You must pay back your student loan even if you do not graduate, you do not get a job or your education did not meet your expectation.
Paying your loan on time will help to build a good credit history, which makes it easier to borrow money in future. If you do not make timely payments, you will face serious consequences including an adverse credit history and/or referral of your loan to a collection agency or litigation.
It is worth noting that civil proceedings under HELB Act 1995 for recovery are exempted from the provisions of the Limitation of Actions Act.

see more on FAQs

    Months It Will Take To Be Loan Free:
    Years It Will Take To Be Loan Free:
    Total Amount Payed To Lender:
    Total Interest Paid To Lender: