The Higher Education Loans Board has told borrowers without formal jobs that they must still repay their student loans, in a notice posted on X on Wednesday, 11 November.

HELB clarified that loan repayment begins within one year of completing studies, whether a graduate is formally employed, self-employed or running a business.

For borrowers earning low or irregular incomes, HELB recommended a minimum repayment amount of KSh 1,500 per month — start small, stay consistent.

"Your hustle is valid, and so is your repayment plan. Whether you're selling jeans, running a kiosk, or freelancing, you can still repay your HELB loan. Start small, stay consistent, and help the next student reach their dream," HELB stated.

The board outlined three ways to pay without a payslip. The first is a USSD code — dial *642# from a mobile phone to pay without needing internet access. The second is the HELB online portal. The third is the HELB Mobile App.

Borrowers can also begin making voluntary payments before or after completing their studies to reduce the loan balance.

The notice is aimed at the growing number of young Kenyans who have completed higher education but remain outside formal employment, and who have historically struggled with repayment schedules tied to payroll deductions.