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If you failed to defer then your space is likely to be taken. Most universities have a deadline that students should report for admission. The best thing to do is to physically visit your University's admission office and explain your case.
You need to write to HELB Loan and request them to stop disbursing your loan. Otherwise, your loan might be approved and school fees will continue being disbursed to your school fees account.Contact HELB via phone number 0711052000 or contactcentre@helb.co.ke for more information about the matter.
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/
To defer your studies, you need to write an official deferment letter to your academic affairs department. Make sure that you deferment letter is confirmed as received and your deferment has been approved.