Salaried Students Loans



Are you an employed Kenyan? Get up to Kshs. 600,000 loan to pursue your studies at a university of your choice in Kenya through the Higher Education Loans Board [HELB]. HELB offers loans to Kenyan Employees pursing Bachelors, Masters or PhD degrees in Kenyan Universities. The loans are awarded yearly and paid directly to the University as described below:

Study Level


Award per year


number of years

Total Award
Bachelors Kshs. 100,000 4 Kshs. 400,000
Masters Kshs. 200,000 2 Kshs. 400,000
PhD Kshs. 200,000 3 Kshs. 600,000

The minimum loan award is Kshs. 50, 000.


Repayment is due 1 month after disbursement through monthly check-off system from your employer’s payroll for a maximum period of 48 months (4 years).

Applicable interest is 12% per year and an annual ledger fee of Kshs. 1,000


  1. Admission letter from a recognized university in Kenya
  2. Certified copy of your last acquired academic certificate (certified by a commissioner of oaths)
  3. A copy of 3 months latest pay slips with a minimum basic pay of Kshs. 23,000 per month (certified by your employer)
  4. If you are employed on contract, please provide copy of appointment letter of not less than two years (certified by your employer)
  5. Certified copy of your national ID (certified by a commissioner of oaths)
  6. Certified copy of your KRA PIN (certified by a commissioner of oaths)
  7. Certified copy of national ID from two employed guarantors (certified by a commissioner of oaths)
  8. Recent coloured passport size photograph of yourself

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