Student Loans in Zambia: questions
Which government funding can a student get in Zambia?
HELSB student loans for the ten public universities, the TEVET bursary for training under the Ministry of Technology and Science, and CDF bursaries for secondary boarding and skills training, applied for through your council. Each has its own page on this site and its own application route.
Who qualifies for a HELSB student loan?
Zambian citizens admitted to one of ten public universities: UNZA, CBU, Kapasa Makasa, Mukuba, Mulungushi, Chalimbana, Kwame Nkrumah, Palabana, Levy Mwanawasa Medical University and ZUT. Admission does not guarantee a loan; HELSB awards them according to its financial capacity.
Does HELSB cover private universities?
No. HELSB lends only to the ten public universities. For private or technical colleges, look at the TEVET bursary or the CDF Skills Development Bursary, whose paperwork permits TEVETA-accredited private institutions subject to council confirmation.
How much of my fees does HELSB pay?
You apply for a level of support: 100%, 75%, 50% or 25% of your university fees. Allowances do not scale with that level. Your meal, book and project allowances are paid in full whichever level you are awarded.
Do I repay HELSB while studying?
No. Repayment starts on graduation and there is a one-year grace period. Settle the balance inside that year and you avoid the 10% annual interest entirely. Otherwise it is amortised over up to 120 months.
What if I need money urgently as a student?
Use the smallest emergency lender amount that solves the problem, and repay it on the next upkeep disbursement.
