Employed people often ask HELB whether they can borrow again, especially for a Master’s degree.
Based on questions students and loanees sent to HELB’s official X account (@HELBpage) and HELB’s own replies, checked on 14 October 2026. Questions are paraphrased.
Jielimishe: for salaried applicants
HELB says Jielimishe is for eligible employed individuals and supports salaried students on Master’s programmes; employment is mandatory. You can apply even if you have not cleared your undergraduate loan, as long as you are actively repaying.
Processing and repayment
HELB says processing takes about two weeks, and the repayment period is 48 months, starting immediately on disbursement. If you lose your job, inform HELB promptly to agree a repayment arrangement.
Civil Servants Training Revolving Fund
For civil servants HELB advertises 4% interest a year, up to KES 500,000, and 12–72 months repayment via check-off.
Frequently asked questions
Can I get a HELB Master’s loan without clearing my undergraduate loan?
Yes, through Jielimishe, if you are employed and actively repaying, per HELB.
How long is Jielimishe repayment?
48 months, starting immediately on disbursement, per HELB.
Who can use the Training Revolving Fund?
Civil servants: up to KES 500,000 at 4% a year over 12–72 months, per HELB.
Related: How to check your HELB loan status · HELB loan repayment calculator · HELB help hub
