Students across various Kenyan universities and colleges receive different amounts of money from the Higher Education Loans Board (HELB) through a specific process to determine how much each student needs.

The process is part of the new Higher Education Funding (HEF) model and relies on a tool called the Means Testing Instrument (MTI).

The MTI evaluates a student's financial need, ensuring that the most vulnerable students get the highest levels of support.

The process begins when a student fills out a detailed application about their family's financial situation.