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You can transfer when inter-institution transfer window is open. Currently, the window is closed. You might also contact KUCCPS directly via email info@kuccps.ac.ke for help.
You need to appeal when the appeal application window is open and then provide the missing information that led to your loan application being rejected.
End-of-year exams for which institutions, University or High School? If it is for University, you have to retake the exams. However, rules differ from one institution to another.
No answer available for this question.
If your University or College has refused to refund caution money or excess school fees after completion of your studies and clearance then the first thing is to ensure you have applied for a refund. Remain with a copy of application for refund form. If it is substantial amount of money, Serve them a legal notice and if they don't respond to the notice sue or report them to the ombudsman.