Entering university or a TVET college in 2026? One of the biggest questions you probably have is
“How does the HELB funding model work, and how much financial support can I get?”
Good news—this blog breaks down everything 2026 freshers must know about the new HELB funding model, how to apply, eligibility rules, and how to increase your chances of receiving a higher HELB loan or scholarship.
What Is the New HELB Funding Model? (2026 Overview)
The new HELB funding model, also known as the Student-Centred Funding Model (SCFM), replaces the old “band-based” system. Instead of grouping students into vague categories like vulnerable or less needy, HELB now uses a personalized approach to determine how much support you qualify for.
The new funding model is based on three key factors:
- Cost of your programme (e.g., engineering and medicine cost more than arts or education)
- Your financial need, assessed through the HELB Means Testing Instrument (MTI)
- Type of institution (public university, private university, or TVET)
This means the support you get is tailored specifically to your financial situation and your course of study.
What Funding Can 2026 Freshers Get from HELB?
1. Government Scholarship
- Available only for KUCCPS-placed students in public universities and public TVETs.
- The award depends on your MTI score and program cost.
2. HELB Tuition Loan
- Available to all students, including those in private universities.
- Paid directly to your university or college.
3. HELB Upkeep Loan
- Sent directly to your bank or mobile account.
- The amount varies depending on your level of need.
4. Household Contribution
- Some students will be expected to pay a portion of their fees depending on their ability.
What 2026 Freshers MUST Know (Important Changes)
✔ 1. Funding is NOT automatic — you must apply
Even if you are placed by KUCCPS, you must submit a HELB loan/scholarship application to be considered.
✔ 2. Programme cost matters more than ever
Expensive programs = higher possible support
Cheaper programs = lower support amounts
✔ 3. Financial need is the biggest determining factor
Your family income, number of dependents, disability, orphan status, and location (urban vs. rural) all affect your MTI score.
✔ 4. Self-sponsored students get loans only
Private university students and Module II/Parallel program students are not eligible for scholarships.
✔ 5. Each student receives a unique funding package
No two students get the same amount—the system is highly individualized.
How 2026 Freshers Can Apply for HELB Loan & Scholarship
Follow these steps:
Step 1: Get your admission letter
From KUCCPS or directly from your institution.
Step 2: Create an account on the HEF Portal
This is where you fill the:
- Scholarship form
- Loan application form (LAF)
Step 3: Fill in your family and household details
Ensure accuracy—HELB verifies your information.
Step 4: Upload all required documents
Typical documents include:
- Parent/guardian ID
- Birth certificate
- Admission letter
- KCPE/KCSE results
- Disability card (if applicable)
Step 5: Submit and track your application
Use the HEF/HELB portal to check status and allocations.
Tips to Increase Your Chances of Higher HELB Funding
- Apply as early as possible—delays affect disbursement.
- Provide accurate financial information.
- Upload high-quality documents to avoid rejection.
- Indicate if you:
- Are an orphan
- Have a disability
- Come from a marginalized county
- Come from a low-income household
These factors strongly influence the MTI score.
Expected Funding Range for 2026 Freshers
While the exact allocation varies, most students can expect:
University Students
- Scholarship: 30–80% of tuition (for public universities)
- Tuition Loan: Ksh 20,000–Ksh 70,000+
- Upkeep Loan: Ksh 14,000–Ksh 60,000 per year
TVET Students
- Tuition Loan: Ksh 20,000–Ksh 40,000
- Scholarship: Based on MTI need assessment
- Upkeep: Around Ksh 10,000–Ksh 30,000
⚠ Challenges 2026 Freshers Should Expect
Even with the new model, you may face
- Delays in upkeep disbursement
- Partial funding for expensive programs
- Requirements to top-up fees from home
- Need to renew loans yearly
Plan your finances early.
Frequently Asked Questions (2026 HELB Model)
1. Do private university students qualify for scholarships?
❌ No. They only get HELB loans, not government scholarships.
2. Can I appeal if my allocation is too low?
✅ Yes. HELB allows appeals each year.
3. Does changing my course affect funding?
✔ Yes. You must update HELB because your new program cost may change your allocation.
4. Can I receive HELB in my first semester?
✔ Yes—if you apply early and your documents are approved.
Final Thoughts: What 2026 Freshers Should Expect
The new HELB funding model is fairer, more personalized, and more dependent on financial need.
If you come from a low-income household, rural area, or marginalized community, you may benefit more compared to the old system.
For 2026 freshers, the most important things are:
- Apply early
- Be honest in your MTI data
- Upload correct documents
- Track your portal regularly