How do you apply for the Afya Elimu Fund AEF Loan?

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How do you apply for the Afya Elimu Fund AEF Loan?

How do you apply for the Afya Elimu Fund AEF Loan? – Answer:

HELB Afya Elimu Loan: How do you apply for the Afya Elimu Fund AEF Loan?


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Log in, select and fill in the required Loan Application Form (either First Time or subsequent) for the respective program (Afya Elimu Loan) from the HELB website.

Print TWO copies of the duly filled Loan Application Form. Have the form appropriately filled, signed and stamped by the relevant authorities and guarantors (for first time applicants only) and by the Dean (for subsequent applicants) Sign the form and attach all the necessary documents as indicated in the checklist appearing on the last page of the Loan Application Form.

Present one copy of the duly completed Loan Application Form and all the attached supporting documents at any of the following: Select Huduma Centres: Nairobi, Kakamega, Eldoret, Nakuru, Mombasa, Kisumu, Nyeri, Embu, Machakos, Kisii, Bungoma, Turkana, Meru, Kitui, Kericho, Nandi (Kapsabet), Thika, Garissa, Kitale and Muranga for free and secure delivery to HELB Head Office.

HELB Student Service Centre on Mezzanine One (M1), Anniversary Towers, University Way, Nairobi. Retain one copy of the duly filled loan application form (Mandatory) Remember: The HELB Loan Application process is free. Do not pay anyone to process your HELB Loan.

Afya Elimu Fund [AEF]

The Afya Elimu Fund [AEF] was established in 2013 and officially launched in 2016, under a Public- Private Partnership [PPP] initiative comprising USAID/HRH Kenya Mechanism and the Government of Kenya through the Ministry of Health & HELB. The innovative AEF started simply as a scholarship and transitioned into a revolving fund by providing low interest loans at 4% to needy students pursuing pre-service medical training at mid-level colleges at certificate and diploma levels only. The Fund focuses on middle level cadres such as nursing, laboratory technologists, clinical officers among others who form the bulk of the country’s health workforce. At the close of the 5-year funding cycle in 2020, on 19th May 2021, the USAID/HRH Kenya Mechanism officially fully handed over the management of AEF to HELB.

In 2013, the contribution from USAID, and GOK being on 1:1 ratio and with a target of training 12,500 students in five years. The funds from GOK through HELB grew tremendously and tilted in favor of GOK at 1:4 ratio. The beneficiaries also increased threefold for the initial target of 12,500 to 48,188 students studying at Kenya Medical Training College [KMTC] having benefited.

AEF, being the pioneer partner fund at HELB, has been a great learning experience and has over time expanded and on-boarded other partners with the vision to sustainably support needy students training at mid-level colleges and help close the acute health workers shortage gap in Kenya. Between 2013 and 2021, the fund has mobilized Kshs. 535.7 million excluding the HELB contribution.

Send all HELB Loan enquiries to any of the following contact details below and you will be responded to as soon as possible:


Head Office

HELB Subsequent 2023-2024

Type of Loan Application

There are two types of undergraduate loan applications:

  1. First Time Application-This is for applicants who are applying for the first time.
  2. Second & Subsequent Application-This is for applicants who are applying for the second, third, fourth time as per the program duration

Note: The number of loans one is eligible for depends on the program duration. For example, one is given loan 4 times for a 4-year program or 5 times for a 5-year programme

How to apply for a HELB Loan as a First Time Applicant:

  1. Visit our website to access the Student Portal and click on “create an account” to register.
  2. Once the account is created, log in and select the appropriate Undergraduate First Time Loan Application Form [LAF].
  3. Read the literature or view the videos on Financial Literacy and participate in the brief exercise online.
  4. Access and fill the loan application form.
  5. Print TWO copies of the duly filled Loan Application Form [Mandatory]
  6. Have the forms appropriately filled, signed, and stamped by the relevant authorities.
  7. Attach all the documents as per the checklist and present one copy of the duly filled Loan Application Form at:
    • Any of the following Huduma centers nearest to you: Bomet, Bungoma, Chuka, Eldoret, Embu, Garissa, Nairobi GPO, Kakamega, Kericho, Kilifi, Kisii, Kisumu, Kitale, Kitui, Lodwar, Machakos, Makueni, Meru, Migori, Mombasa, Murang’a, Nakuru, Nandi Narok, Nyeri, Taita Taveta, Thika and West Pokot for free and secure delivery; or
    • HELB Student Service Centre on Mezzanine 1, Anniversary Towers, University Way, Nairobi
  8. Retain a complete copy of the Loan Application Form [This is mandatory]


  1. Please ensure that you read, understand, and follow the instructions provided at the beginning of the online loan application process including reading and undertaking the HELB Financial Literacy Programme.
  2. It is recommended that students prudently manage their HELB loans once disbursed to cater for Tuition, books, stationery, accommodation, and subsistence.


  1. A copy of the Applicant’s national ID Card
  2. Copies of the parents’ National ID Cards/death certificate where the parent is deceased
  3. Copies of both guarantors’ National ID Card
  4. A copy of the applicant’s admission letter and KCSE result slip/certificate
  5. A copy of the applicant’s Bank ATM/Bank card (for Government sponsored students only)
  6. A copy of the applicant’s Smart Card from the institution
  7. One recent colored passport size photograph of the applicant.

How to apply on the HELB App as a second and Subsequent applicant

  1. Applicants should visit Google play store and download the HELB Mobile Application.
  2. Register your details (First name, Phone, Email Address, National ID and KRA PIN number) on the HELB App to generate a PIN which you will use to log in and accept the license agreement. Ensure that you use the Safaricom number that you use for Mpesa transactions and it should be registered in your name
  3. Read the mandatory Financial literacy notes and undertake a brief Question & Answer to appreciate the purpose of credit. Scroll down to view results then click “proceed”.
  4. Click on loans then select undergraduate loans to get the Undergraduate Subsequent Loan Application Form [LAF].
  5. Follow each step to fill in the required details and submit. A pop-up message will appear to show that you have successfully applied. The loan serial number will also be displayed

NB: You will be required to pay Kshs. 1 from your MPESA account during the application process to verify your telephone number.  Please note, the application is paperless hence no printing.

  1. Students that are not Safaricom subscribers will be directed to the Portal and apply using the application form, after which they will be required to print and submit the form to the HELB Student Service Centre on Mezzanine 1 Floor at Anniversary Towers