How to apply for the HELB Afya Elimu Loan; 2nd and subsequent

The Higher Education Loans Board, Helb, is inviting applications for the Afya Elimu second and subsequent loan application 2020/2021 academic year. Get full details on how to apply and requirements in this post.


This loan is available for needy students training in middle level medical colleges (listed on HELB portal); Kenya Medical Training College [KMTC], Faith Based Organizations [FBO’s] and other Institutions offering Diplomas and Certificates in medical courses


  • Download the HELB App from Google Play Store or dial *642#
  • Register using your phone number to generate a PIN which you will use to log in
  • Ensure the mobile number is registered under your name
  • Please NOTE that mobile numbers not registered in the students’ name will not allow the loan application to proceed
  • Read, understand, and click to accept the license agreement
  • Enter your First name as it appears in your National ID, ID number and valid email address to complete registration.
  • Click on “loans” tab and choose either certiFicate loans or diploma loans. Then click “apply” on the Afya Elimu second and subsequent loan
  • Read and understand the Financial literacy guide
  • Answer the 􀏐inancial literacy questions and scroll down to view results and click “proceed”
  • Click “con􀏐irm” to verify your telephone number by paying Kshs. 1 to M-PESA
  • Read the loan agreement and click on ‘I agree’
  • Click ‘submit’. A pop-up message will appear to show that you have successfully applied. The loan serial number will also be displayed.

Please note that this application is paperless. You are not required to print any form. A confirmation SMS with a loan application serial number is the evidence that you have applied. Kindly save the SMS for future reference.

DO NOT PAY anyone to process your HELB loan application.
In case of any queries, seek assistance ONLY from HELB officers.


The closing date for the loan application is January 31, 2021


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