How to check and repay HELB loan

By , August 18, 2025

The Higher Education Loans Board (HELB) is a statutory government body mandated to provide equitable and impactful tertiary education financing through strategic partnerships and prudent financial management.

HELB offers three main categories of loans: Undergraduate Loans, TVET Loans, and Jielimishe Loans.

Loan repayment obligations

According to the HELB Act (1995), a loanee is required, within one year of completing studies—or earlier if the Board recalls the loan—to:

1. Provide HELB with updated contact details.

2. Begin loan repayment, including accrued interest.

3. If in formal employment, authorise their employer to deduct loan repayments and remit them to HELB.

Integration with eCitizen

Following a government directive through a Gazette Notice, eCitizen is now the official digital payment platform for all government services.

HELB has fully integrated with this system, meaning all loan repayments must be made through HELB’s designated platforms, which link directly to the eCitizen gateway.

Loan repayment options

1. USSD Code (*642#)

    Dial *642#

    Log in or register

    Select Loan Repayment

    Choose M-Pesa

    Enter the repayment amount and your M-Pesa PIN

    You will receive SMS confirmations from both HELB and eCitizen

    2. HELB mobile app

      Download the HELB Mobile App from the Play Store

      Log in or create an account

      Select Pay Loan

      Confirm your phone number and repayment amount

      Enter your M-Pesa PIN when prompted

      You will receive SMS confirmations from both HELB and eCitizen

      3. Loanee self-service portal

        Visit www.helb.co.ke

        Select the Self-Service option from the menu

        Click Loan Repayment then Make Payment

        Enter the amount, select your preferred payment option, and confirm

        Complete the process as prompted

        Once payment is made, your statement will update automatically

        4. Employer portal (for employers remitting on behalf of staff)

          Visit www.helb.co.ke and log into the Employer Portal

          Upload the remittance list and verify details

          Confirm and print the e-slip

          Click Payments on the menu, select the remittance record, then click Make Payment

          Enter the phone number to receive eCitizen notifications and process the payment

          Once completed, the payment record updates automatically

          Employers can generate updated statements from the portal.

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