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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/
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.
Allocation for 2021 first time applicants have not been made. You will be notified once HELB has disbursed the money.
First time applicants must apply via the Helb loan Portal online then download the application forms, fill them, sign and submit the physical forms. Therefore, online application alone is not enough. Only subsequent applicants can apply online alone. Here is a procedure on how first time applicants should apply for helb loan: https://kenyayote.com/best-procedure-of-applying-for-helb/
If helb loan tells you that you are not eligible to apply for subsequent loan, then it means three things.If your application was successfully submitted, then you cannot apply again.If you have never applied for HELB loan, then you need to apply for first time application not subsequent.If you have over stayed in University or College (past the normal of years of study), then you have exceeded the number of allowed loans for your course.