Get a refund of a HELB loan overpayment
Higher Education Loans Board · sources read 2 Oct 2026
If you've overpaid your HELB loan, HELB (not your employer) refunds you. Fill in the HELB Enquiry Form for a refund and submit it with your employer's confirmation that deductions stopped through the HELB portal. It takes up to 60 days.
- Fee
- FreeRefund of overpaid loan
- How long
- Up to 60 days from when you make the refund request
- Where
- Online through the HELB portal (form from helb.co.ke)
What you need
- A correctly filled HELB Enquiry (loan inquiry) form
- Confirmation from your employer that loan deductions have stopped
- Your bank details and a copy of your ATM card
Steps
- Download the HELB Enquiry Form from the HELB Repay Loan page and tick 'Refund due to over deductions'.
- Fill in your details and bank details, and attach a copy of your ATM card.
- Submit the form with your employer's confirmation that deductions stopped through the HELB portal.
- HELB pays the refund by electronic transfer to your bank account.
Watch out
- Overpayments below KSh 1,000 are not refunded.
- Your employer can't refund you. Only HELB pays refunds.
- The same form lets you donate your overpayment to a needy student instead.
Who can apply
- HELB loanees who have paid more than they owed.
- People who never had a HELB loan but were deducted by mistake can also ask for a refund on the same form.
Official sources (5)
- Repay Loan helb.co.ke · read 2 Oct 2026
- Loanees FAQs helb.co.ke · read 2 Oct 2026
- HELB Enquiry Form (EF 1) 2020 helb.co.ke · read 2 Oct 2026
- HELB Revised Service Charter 2022 helb.co.ke · read 2 Oct 2026
- HELB portal sign in portal.hef.co.ke · read 2 Oct 2026