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.
Local Repayment Options
The process of paying through the designate HELB channels is as follows;
1. USSD Code:
Dial *642#
Log in or Register
Select Loan Repayment
Select Mpesa
Enter Amount
Enter Mpesa Pin
You will receive SMS notifications from E-citizen and HELB.
2. HELB Mobile App:
Download the HELB Mobile App from Play store.
Log in if you have an account or register to create an account.
Select pay loan option.
Confirm Phone number and amount to pay.
Key in Mpesa pin upon prompt.
You will receive SMS notifications from E-citizen and HELB.
3. Loanee Self-Serve Portal:
Log on to www.hef.co.ke
Select the self-serve option on the HELB menu.
Select Loan Repayment.
Select Make Payment.
Fill the amount to pay and click “Pay.”
You will receive a notification to confirm.
Once confirmed, the payment options will be displayed.
Select your preferred payment option and follow the prompts.
Once the payment has been made, click Complete.
4. Employers Portal: The HELB Employer portal is the entry point for Employers.
Log on to www.helb.co.ke
Upload Remittance List
Verify all the details entered and click “confirm” button.
Upon confirmation print e-slip.
Click on Payments on the Menu.
Choose the remittance record you want to pay for then click on “Make Payment ” button.
On the pop-up screen, key in the phone number that will receive eCitizen Notification and click “Process Payment”.
Choose the desired mode and proceed to initiate payment.
Once payment is completed, the record will be automatically updated.
On the menu, click on statements to view updated and paid remittances.
Generate the Receipt.
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 Loan Recovery 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.
Click here to access HELB Enquiry Form
Jielimishe Loans (for salaried students)
Jielimishe Loans are due for repayment immediately upon disbursement.
Loan Repayment Method
HELB loan repayment is channeled through e-Citizen Repayment Gateway. Please download the Customer Journey Map to follow the steps.
Diaspora Repayment Options
