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After how long does helb penalize a the loanee

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I was penalized yet I deferred my studies for one academic year.

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You need to visit HELB office to inform them of your case. HELB will not be able to know that you exceeded your course study period because of deferring.

All that they know is that you have completed your studies according to the year you were admitted and the number of years it takes to complete the course.
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