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No, you can only apply for second subsequent HELB loan if you had applied for first time and received the loan. If you want to apply second or third year, then you need to apply as a first time applicant.
If you are a regular student and you get Ksh. 60,000 then Ksh. Ksh. 26,000 will be disbursed to your personal bank account in two different semesters per year and Ksh. 8,000 will be sent to your school fees account.
No, you will only be allocated HELB for the period of study. If you apply in the second year, then you will be issued HELB loan from the second year.
You are not required to apply gain when your first HELB application is rejected. What you need to do is to apply for appeal when the appeal application is open.
You need to file an appeal with HELB via HELB loan portal once the review application is open. Learn how file appeal: https://kenyayote.com/how-to-apply-for-helb-loan-appeal-forms-and-review-process/