The Higher Education Loans Board (HELB) has outlined the procedure for beneficiaries to withdraw upkeep funds directly to their mobile money accounts. This comes as over one million students apply for HELB loans, clarifying a new system for disbursement.

• Beneficiaries can access funds via the USSD code *642#, with each transaction costing Ksh15.
• The mobile money account must be registered under the beneficiary's official name and national identification number.
• Upkeep funds become available only after beneficiaries receive a second Sure Pay confirmation message.