HELSB student loans: questions
Does HELSB cover private universities in Zambia?
No. HELSB student loans are only for undergraduate students admitted to one of the ten public universities listed on this page. For private or technical colleges, see the TEVET bursary or the CDF Skills Development Bursary.
Does admission to a public university guarantee a HELSB loan?
No. HELSB states that admission does not guarantee financial support, that loans are limited, and that it decides the final level of support awarded.
What percentage of my fees does HELSB pay?
You apply for a level: 100%, 75%, 50% or 25% of your university fees. Your allowances for meals, books and projects are separate, and are paid in full whichever level you are awarded.
Do I repay a HELSB loan while I am still studying?
No. Repayment starts after graduation, with a one-year grace period. The current repayment methods are on the HELSB repayment page.
What happens if I default on a HELSB student loan?
HELSB states that defaulters are listed with the Credit Reference Bureau, which limits access to other finance and to certain employment opportunities.
Is the HELSB loan transferable if I change university?
No. The student loan is not transferable from one university to another.
How and where do I apply?
Register on the HELSB portal at helsb.gov.zm/loans/application and check the award list and the student portal for the outcome. Applications go to HELSB, not to your university.
