Important Documents & Information Required For HESLB Loan Application | HESLB Loan Application 2019/2020

Ensure that the Form IV Index Number provided when applying for loans matches with the one used in your application for admission; 

Ensure that all documents submitted to support your application have been certified by relevant authorities as specified in the guidelines; 

 Ensure that all birth/death certificates and other certificates are certified by Registration, Insolvency and Trusteeship Agency (RITA) or the designated officer(s) to ascertain their validity. However, District Social Welfare Officer (DSWO) will have to endorse parent’s death report from village or ward authorities; 

Ensure that details about parents/guardians/guarantors (occupation, employer address, telephone number, postal and physical addresses) are complete and correct. Applicants whose parents are leaders listed in Public Leadership Code of Ethics Act 1995 are ineligible; 

Applicants whose parents/guardians are business owners, senior managers and directors in established business and service sectors recognized by revenue and registration authorities are ineligible; 

Applications must be completed with correct (and accurate) details; 

All applicants are advised to keep a copy of complete package of application form submitted to HESLB for future reference (if required) and 

 All applicants must strictly observe application deadline.


Needy In addition to general eligibility, additional criteria define NEEDY applicant who should not exceed 33 years of age at the time of application, who may:- 

 Be a poor orphan (who has lost both parents) or partial orphan (who has lost one parent) has to be certified by RITA. 

 Have disability that has to be certified by District Medical Officer (DMO), Regional Medical Officer (RMO), or any entity authorized to certify such cases (as may be specified).

Have parents with disability to be certified by District Medical Officer (DMO), Regional Medical Officer (RMO), or any entity authorized to certify such cases (as may be specified). 

 Be from lower income household and/or marginalized community whose secondary or diploma education was sponsored by recognised institutions. Applicants will be required to provide written and authenticated evidence of such sponsorships. 


Criteria as Pronounced by the Act General Eligibility criteria require an applicant to meet the following conditions: - 
(i) Must be a Tanzanian; 

(ii) Must have applied for a loan through the Online Loan Application and Management System (OLAMS); (iii) Must have been admitted to an accredited Higher Learning Institution on full time basis except for Students Admitted at the Open University of Tanzania (OUT). 

(iv) Must not have funding from other sources. 

(v) Must be a continuing student with results/progress reports to show that he/she has passed the examinations necessary to enable him/her to advance to the following year.

(vi) For a student’s loans beneficiary seeking to re-apply for loans after dropping out from one programme/college/university) he/she must repay at least 25% of their previous loans before applying for a new loan. (Note: Payment of 25% of the previously granted loans is not a guarantee for new loans allocation). 

(i) Loans shall be allocated in the order of established Neediness, and programme clustering. 

(ii) Except for Continuing Students applying for loans for the first time, all other applicants must have completed their ACSEE or other equivalent qualifications within three (3) years,
(iii) With the exception of the additional items in a specific year, amount allocated to a student will be maintained throughout his/her studies. 

After establishing applicant’s neediness, and meeting requirements above, the following programme clusters will be used to determine the loans to be issued in priority order subject to availability of funds. 

Cluster I Courses under this cluster include: - 
(i) Education and Teaching in Science (Physics, Chemistry, Biology, ICT), Mathematics, Commerce and Accounting 

(ii) Health Sciences (Doctor of Medicine, Dental Surgery, Veterinary Medicine, Pharmacy, Nursing, Midwifery, Prosthetics and Orthotics, Physiotherapy, Biotechnology and Laboratory sciences, Radiotherapy Technology); 

(iii) Engineering Programmes (Civil, Mechanical, Electrical, Mining, Mineral and Processing, Textile, Chemical and Processing, Agriculture, Food and Processing, Automobile, Industrial, ICT Legal and Industrial Metrology, Maritime Transportation, Marine Technology, Electronics and Telecommunication, ICT and Programming, Information Systems and Network Management, Environmental and Urban Development, and Bio-Processing and Post-Harvest); 

(iv) Petroleum Geology, Petroleum Chemistry 

(v) Agriculture, Forestry, Animal Sciences and Production Management

 Cluster II Courses under this cluster include: 
(i) Basic Science Programmes (BSc General, BSc in/with Applied Zoology, Botanical, Chemistry, Physics, Biology, Microbiology, Molecular Biology and Biotechnology, Fisheries and Aquaculture, Aquatic Environmental Sciences and Conservation, Geology, 4 Mathematics and Statistics, Environmental Sciences, Environmental Health, Wildlife and Conservation) (ii) Land Science Programmes (Architecture, Landscape and Architecture, Interior Design, Building Survey, Building Economics, Urban and Regional Planning, Land Management and Valuation, and Geospatial Technology). 

Cluster III 
Courses under this cluster include Business and Management Studies, Social Sciences, Arts, Humanities, Law and Legal Studies, Languages, Literature, Media and Communications Studies. All other courses not listed in either of the clusters, will fall under cluster III.

LOAN ITEMS, MEANS TESTING AND AMOUNTS TO BE ALLOCATED HESLB may provide loans to cover all or some of the following items; 

(i) Meals, Accommodation and Incidentals (MAI) (ii) Tuition Fee (TF) 

(iii) Books and Stationery Expenses (BSE) 

(iv) Special Faculty Requirements (SFR)

(v) Research Expenses (RE) (vi) Field Practical Training (FPT) 

 Means Testing System Means Testing (MT) will be used to determine applicants’ neediness for financial assistance. School Fees paid in CSEE, ACSEE and equivalent qualifications including diplomas is one of the factors considered to establish an individual’s ability to contribute to the costs of higher education. Other factors that are taken into consideration are orphaned, disability, sponsorship and poor family. Therefore, the neediness shall be measured as a difference between total annual costs to pursue individual programme at respective Higher Learning Institutions (HLIs) and established applicant’s past ability to pay for secondary school education or diploma as an indication of the applicants’ ability to contribute to the costs of higher education. 

 Distribution of Loanable Items Loans to successful applicants will be allocated starting with Meals, Accommodation and Incidentals (MAI); Tuition Fee (TF) then Books and Stationery Expenses (BSE), followed by Special Faculty Requirements (SFR), Research Expenses (RE) and finally Field Practical Training (FPT) based on the remaining amount from the preceding loan items. 

Approved Tuition Fee Rates Maximum applicable tuition fees for all successful applicants shall be pegged to the equivalent current-approved-highest-tuition-fees payable to Public Higher Learning Institutions.  Continuing students who are loan beneficiaries 

All continuing loan beneficiaries shall continue to receive their loans as per their original Means Test Grades upon submission of examination results/progress reports. All continuing loan beneficiaries ARE NOT REQUIRED TO RE-APPLY for the loans. 

Payment Mode: MAI, BSE, FPT and RE items shall be paid directly to students while TF and SFR shall be paid to the respective Higher Learning Institutions (HLIs). 

 Liability of Guarantors, Parents, and Commissioners for Oath Parents/Guarantors are responsible to confirm the correctness (and accuracy) of information submitted in the application forms before signing. The guarantors are expected to ensure that the loans are repaid and must be aware of the borrowers’ whereabouts until the loans are fully repaid. In case of default, guarantors shall be responsible to settle the due /unpaid loan in full. 

Loan Repayment Upon completion or termination of higher education studies, a loan beneficiary shall be required to repay his/her loan through monthly deductions of not less than 15% of salary/income. 6.2.1 Loan Repayment Requirements 

Value Retention Fee To ensure sustainability of the loan scheme, a Value Retention Fee (VRF) equivalent to 6% per annum from the date of receiving loan items is charged. 

 Loan Administration Fee (LA) All students’ loans shall be subjected to 1% Loan Administration fee payable once 

 Penalty Fee (PF) A beneficiary who fails to repay his/her loan after expiration of grace period of 24 months after graduation, shall be charged a 10% one-timepenalty. 

INTER-UNIVERSITY AND INTERNAL TRANSFERS HESLB shall not raise a duplicate loan payment to such students who voluntarily move to other HLIs. Upon receiving confirmation from relevant authorities, a loan transfer will be effected. No loan transfers will be made 90 days after first admission. All Transfers will not trigger any change on the original loan amounts allocated to individual beneficiaries. List of Candidates admitted to Higher Learning Institutions HESLB will consider loan application from students whose admissions have been approved and submitted by relevant authorities including the Tanzanian Commission for Universities (TCU) and/or respective HLIs as the case may be


All loan applications will be done through Online Loan Application and Management System (OLAMS). Applicants are REMINDED to use the same Form Four Index Numbers used while applying for admissions. Upon completion of online application process, applicants shall be required to print out the application forms and Loan Agreements, obtain appropriate authentications, sign the forms, attach necessary documents and upload into OLAMS before submitting the same through EMS to: The Executive Director, Higher Education Students’ Loans Board, 46 Sam Nujoma Road - Mwenge, P.O. Box 76068, 14113 Dar es Salaam, TANZANIA. Applicants are REMINDED to keep full set of the applications, attachments submitted, and EMS receipts used for mailing their applications to HESLB for easy tracking when necessary. 


Applicants must pay a non-refundable, one-off application fee depending on amount mentioned by heslb through NMB Bank and CRDB Bank. For details visit: https:/olas.heslb.go.tz 


Applicants who are not satisfied with the allocations may appeal by completing the relevant Online Appeal Forms. Details to be provided later. 

Applicants or loan beneficiaries with inquiries or complaints will have to follow procedures displayed in the loan application window. 


Eligible students for loans for the 2018/2019 academic year, admitted to pursue Postgraduate Degree Programmes must fulfil the General Eligibility Criteria set in 3.2 above. 

 Postgraduate students (Academic Staff) In addition to the General Eligibility Criteria, applicants must fulfil eligibility criteria specific to the Postgraduate applicants’ category which are: 7 

(i) They must hold a first Degree or an Advanced Diploma, with a minimum of Upper Second Class (for applicants pursuing Masters Degrees) or Master’s Degree with minimum of Upper Second Class (for applicants pursuing PhD degrees); 

(ii) They must be academic members of staff, admitted to pursue postgraduate studies on fulltime basis, at an accredited Higher Education Institution in Tanzania; 

(iii) They must have been officially nominated by the employer, and obtained endorsement by the Vice Chancellors/Principal/Provosts/ of the respective institution; 

(iv) They must have started to repay their previous loans at least for an unbroken period of twelve months, or a lump sum of the same instalments if he/she was previously a Students’ Loans’ Board’s beneficiary; 

(v) The employer must have signed the Financing Agreement between the Higher Education Students’ Loans Board and the Higher Education Institution. Postgraduate students admitted at the Nelson Mandela African Institute of Science and Technology (NM-AIST) To strengthen national capacity in research, ICT and innovation, HESLB issues loans to students admitted to pursue Masters and PhD in Science related programmes courses at the Nelson Mandela African Institute of Science and Technology (NM-AIST). Eligible students for loans for 2018/2019 academic year, must fulfil General Eligibility Criteria set in above. In addition to the General Eligibility Criteria set in  above, applicants must fulfil eligibility specific to the postgraduate applicants in the NM-AIST category: -

(i) Must have been admitted at the Nelson Mandela African Institute of Science and Technology (NM-AIST) to pursue master’s or PhD programme in one of the under listed priority sectors: Life Sciences, Mathematical & Computer Science Engineering, Information and Communication Science Engineering. Materials, Energy, Water and Environmental Sciences. 

(ii) Must have been employees in Public Institutions and worked for a minimum of two (2) years; 

(iii) Must be guaranteed by their employers with respect to repayment of the loans; (iv) Must have started to repay their previous loans at least for an unbroken period of twelve months, or a lump sum of twelve instalments, if they were previously Higher Education Students’ Loans Board’s beneficiaries.; 

(v) Repayment for NM-AIST postgraduate students’ loans shall start immediately upon completion of the first year of study by monthly instalments deducted by employers from beneficiary’s salary and remitted to the Board. 

 Postgraduate students admitted at Law School of Tanzania (LASC

Postgraduate students admitted at Law School of Tanzania (LASCOT
Students Law School students who are eligible for loans in the 2018/2019 academic year must meet the following conditions: Must fulfil the General Eligibility Criteria set in Section above. In addition to the General Eligibility Criteria set in Section  above, applicants must fulfil eligibility criteria specific to the Postgraduate applicants at Law School of Tanzania (LASCOT) which are: - 

(i) Must have graduated (with LLB Degree) not more than three years back ;
(ii) Loans will be issued ONLY to the NEEDY Applicants based on Means Test Results; 

(iii) In case the applicant is a previous loan beneficiary whose loan has matured, he/she must have paid all due instalments. Subject to availability of funds, Loans for Law School students may be issued to cover either partially or fully the following items:

(i) Books and Stationery expenses;

(ii) Tuition Fees  Diplomas in Priority Programmes Separate Guidelines and criteria for Issuance of loans to eligible applicants to pursue Diploma and non-degree studies under selected programmes (to be confirmed) will be issued later. 

Applicable rates for Postgraduate Students 
Meals, Accommodation and Incidentals (MAI) The Board may provide loans for Meals and Accommodation at the rate of TZS 10,000/= per day while on campus for theoretical instructions or in field for data collection. 
Books and Stationery Expenses (BSE) 
A maximum of Tzs 500,000/= per annum for Books and Stationery may be granted to eligible students pursuing Masters and PhD. A maximum of Tzs 200,000/= per annum for Books may be granted to Postgraduate students admitted at Law School of Tanzania. 
Tuition Fee (TF) 9 HESLB
may provide tuition fee loans at 100% rate based on the rates charged by the respective Higher Learning Institution, with the exception of the Law School of Tanzania (LASCOT). Research Expenses (RE) 
HESLB may provide loans at 100% rate for Research expenses in all fields, based on the rates applicable at HEI as may be endorsed from time to time. Applicable rates include a maximum of Tzs 2,000,000/= per annum for Master Degree programme and a maximum of Tzs 5,000,000/= per annum for a PhD Degree programme.

13.1 Grants Items Subject to availability of funds Grants may be issued to cover in full the following items: 
(i) Tuition Fees (TU) 
(ii) Books and Stationery Expenses (BSE) 
(iii) Special Faculty Requirement Expenses (SFR) 
(iv) Field Practical Training expenses (FPT) (
v) Research Expenses (RE) 

13.2 Eligibility Criteria Grants shall be governed by the following Specific Eligibility Criteria: 

13.2.1Must be a direct entrant admitted to fully accredited HLls in Tanzania and who is confirmed to be disabled and supported by a certificate of disability from the District Medical Officer (DMO), Regional Medical Officer (RMO) or any entity authorized to certify such cases; 

13.2.2Must fill the grant application form and submit the same through the Academic office of the respective institution; 

13.2.3Continuing students Grants Beneficiary shall continue to benefit if he/she has passed the examinations necessary to enable him/her to proceed to the next year or stage of study. (No grant will be given to students who transfer to another HLI or repeat examinations). 

Eligible students for Grants for 2018/2019 academic year, admitted to pursue Undergraduate Degree Programmes must fulfil the General Eligibility Criteria set in 3.2 above. 

Additional guidelines and processes for grants application will be released in due course. Applications to be endorsed by HLIs where eligible beneficiaries will be admitt

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