SharesThe Higher Education Loans Board (HELB) employs a batch approach to determine loan amounts for first-time applicants through the new Higher Education Funding (HEF) model. o HELB Loan: 25% of tuition fees. o Upkeep Loan: Ksh40,000 annually. The upkeep loan, intended for living expenses such as accommodation, food, and transport, is transferred directly to the student’s personal bank account. A crucial aspect of the HELB loan is the repayment requirement for the loan portion of the funding, which commences after students complete their studies.