MINISTRY OF

EDUCATION, SCIENCE
AND TECHNOLOGY

Guidelines and
Criteria for Loans
Issuance - Diploma
2024/2025

HESLB Tanzania HESLB_Tanzania HESLBTanzania [email protected]

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LIST OF ABBREVIATIONS

ACSEE Advanced Certificate of Secondary Education Examination

CSEE Certificate of Secondary Education Examination

DMO District Medical Officer

MoEST Ministry of Education, Science and Technology

NACTVET 
National Council for Technical and Vocational Education Training

NIDA National Identification Authority

OLAMS Online Loan Application and Management System

RITA Registration Insolvency and Trusteeship Agency

RMO Regional Medical Officer

SIPA Student’s Individual Permanent Account

TASAF Tanzania Social Action Fund

ZCSRA Zanzibar Civil Status Registration Agency

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1.0 IMPORTANT INSTRUCTIONS TO ALL

LOAN APPLICANTS
All Diploma loan applicants for Academic Year 2024/2025 are required to observe the
following:-

(i) Read and follow application procedures stated in this Guideline for the
2024/2025 Academic Year (Second Edition);

(ii) Ensure that the Form Four Index Number provided when applying for a loan
matches the one used in your application for admission to College;

(iii) Ensure that the application form with the Agreement is duly signed by
Local Government Authority Leaders, the Applicant’s guarantor and the
Commissioner for Oaths;

(iv) Ensure that the online loan application form is dully filled and signed
before submitting it to HESLB;

(v) Ensure that all birth/death certificates are certified by the Registration,
Insolvency and Trusteeship Agency (RITA), or Zanzibar Civil Status
Registration Agency (ZCSRA) to ascertain their validity;

(vi) Applicants born abroad should obtain a letter from RITA or ZCSRA to
validate birth information. Applicants whose parent(s) died abroad should also
obtaina letter from RITA or ZCSRA to validate the information provided;

(vii) Ensure that bank account details are correctly filled in the application
form. It should be noted that the applicant’s name must match the Bank’s
information.

(viii) Applicants with mobile phones are advised to fill in their mobile phon
number and National Identification Number (NIN) during loan application.

(ix) All applicants must strictly observe the set loan application deadline.

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2.0 OPENING OF APPLICATION WINDOW

The loan application window for the academic year 2024/2025 for the Diploma level will
be opened by considering MARCH and OCTOBER intakes. The October window will be
open from 1st June 2024 to 31st August 2024.

3.0 ELIGIBILITY CRITERIA

In accordance with the HESLB Act, the Board has set general eligibility criteria to be
considered in loan applications after securing admission to accredited institutions. The
applicant must meet the following criteria:

3.1 General Criteria

(i) Must be a Tanzanian not older than 35 years at the time of

application;

(ii) Must have full-time admission into an accredited institution offering

Diploma studies at Diploma level in Tanzania;

(iii) Must have a complete and correct application through the Online Loan
Application and Management System (OLAMS);

(iv) Must not have a formal or regular income from employment or

established contract in either the public or private sector;

(v) Must have completed CSEE, Certificate, ACSEE, or other equivalent

qualifications within five (5) years, i.e. between 2020 -2024 inclusive.

(vi) For continuing Diploma students, he/she must have passed the
examination necessary to enable him/her to advance to the following
year of study, and the examination results must be submitted to HESLB
via the Institution’s Loan Officer or Administration.

3.2 Social Economic Status

(i Orphan; an applicant who has lost one or both parents
 (ii) Poor households under Tanzania Social Action Fund (TASAF) support
or other schemes offering social and financial assistance;
(iii Self or parents’ disability.

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4.0 LOANS ALLOCATION

Loan allocation to Diploma students will consider the following:-

(i) Admitted student in priority program as detailed in Section 6.0 of this

Guideline;

(ii) Social Economic Status as detailed in Section 3.2 of this guideline.

5.0 RELEVANT DOCUMENTS TO

SUPPORT LOAN APPLICATION
The following are key documents to support the application:-

(i) Birth certificate approved by relevant authorities, ZCSRA for applicants

born in Zanzibar or verification number from RITA for applicants born in
Mainland Tanzania;

(ii) Parents’ Death certificates to prove orphan status approved by

relevant authorities, ZCSRA for death that was registered in Zanzibar or
verification number from RITA for death that was registered in Mainland
Tanzania;

(iii) A letter from RITA or ZCSRA to validate birth information for applicants
born abroad. Also a letter from RITA or ZCSRA to validate the information
provided for applicants whose parent(s) died abroad;

(iv) Disability Form to prove applicant’s or parents’ disability endorsed by

District Medical Officer (DMO) or Regional Medical Officer (RMO);

(v) Social Support Beneficiary’s number from Tanzania Social Action Fund
(TASAF) to prove financial assistance received by an applicant during pre-
college schooling.

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6.0 RELEVANT PROGRAMS FOR LOAN

ALLOCATION
During the academic year 2024/2025 loans to Diploma students will be issued into two
clusters. The loans will be determined by program and neediness as follows:-

6.1 Programs in Cluster One

Students in cluster one must be admitted in the following programs:-

6.1.1 Health and Allied Sciences


Clinical Dentistry, Diagnostic Radiotherapy, Occupational Therapy,
Physiotherapy, Clinical optometry, Dental Laboratory Technology, Orthotics &
Prosthetics, Health record & information, Electrical and Biomedical Engineering,
Environmental Health Sciences, Health Records Information Technology, and
Medical Laboratory Sciences.

6.1.2 Education and Vocational Training


Diploma in Education (Physics and any other subject), Diploma in Education
(Mathematics and any other subject), Diploma in Teaching (Technical and
Vocational Education).

6.1.3 Transport and Logistics

 ircraft Mechanics, Shipbuilding and repair, Railway Construction and
A
Maintenance, Global Logistics and Supply Chain Management, Marine Transport
and Nautical Science, Shipping and Logistic Management, Transport and Supply
Chain Management, Naval Architecture and Offshore Engineering;

6.1.4 Energy Engineering, Mining and Earth Science

Renewable Energy Engineering (Hydro, Wind, Solar), Pipeline, Oil and Gas
Engineering, Oil and Gas Engineering Technology, Environmental Engineering
and Management, Lapidary and Jewellery, Mineral Processing, Geology and
Mineral Exploration, Petroleum Geosciences and Exploration, Land and Mine
Surveying, Metallurgy and Mineral Processing Engineering, Mining Engineering;

6.1.5 Agriculture and Livestock

Leather Technology, Food Technology and Human Nutrition, Sugar Production
Technology, Sugarcane Production Technology, Veterinary Laboratory

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Technology, Horticulture, Irrigation Engineering and Agro Mechanization; will be

prioritised in loan allocation.

6.2 Programs in cluster two


This cluster includes students admitted in the following fields: ‘Energy
Engineering’,’ ‘Mining & Earth Science’, and ‘Agriculture & Livestock’ which
are not mentioned in 6.1, section 6.1.4 and 6.1.5 are eligible to apply for loans
and shall be means tested to determine their neediness.

7.0 LOAN ITEMS AND AMOUNTS TO BE

ALLOCATED
The Board will allocate loan amounts in accordance with the neediness and availability
of resources. Loans will be allocated for the following items: Meals and Accommodation,
tuition Fee, Books and Stationery, Special Faculty Requirements, Research and Field
Practical Training.

HESLB may provide loans to cover all or some of the following items as will be approved:-

7.1 Meals and Accommodation (MA)

Maximum amount will be calculated at TZS. 7,500.00 per day during on-
campus training as per the respective institution calendar. The allocated
amount will be paid directly to the student.

7.2 Tuition Fee (TU)

The maximum amount will be calculated at TZS. 1,200,000.00 per annum to be
granted to the respective institution as approved by the Board.

7.3 Books and Stationery (BS)

The maximum amount will be calculated at TZS. 200,000.00 per annum for
Books and Stationery expenses.

7.4 Special Faculty Requirements (SFR)

The maximum amount will be calculated at TZS. 300,000.00 per annum to be

granted and paid directly to the respective institution.

7.5 Field Practical Training (PT)

The maximum amount will be calculated at TZS. 7,500.00 per day for 56 days in
a year for Field Practical Training. The amount will be paid directly to the student.

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7.6 Project Expenses

The maximum amount will be calculated at TZS. 100,000.00 per annum and
will be provided for project expenses for selected programs as outlined by the
respective institution.

8.0 OTHER CONDITIONS

8.1 Liability of Guarantors, Parents/Guardians

Parents/Guardians and Guarantors are responsible for confirmation of the

correctness and accuracy of information submitted in the application before
signing. A guarantor for a loan may be a parent, guardian or relative or such
other person or persons who is legally accepted to be a guarantor or a person
who is not a student loan beneficiary.
Guarantors are expected to ensure that loans are repaid and must be aware
of the beneficiaries’ whereabouts until the loan is fully repaid. In case of default,
guarantors shall be responsible for settling the due unpaid loan in full.

Students under the age of 18 Years during loan application will be required to fill
out a declaration form to consent to the loan obligation and continue to receive
loans once he/she turns 18 Years.

An applicant is required to append Guarantor’s passport-size photo and a
certified copy of one of the following Identifications issued by Government
authorities of the United Republic of Tanzania and the Revolutionary
Government of Zanzibar:-
(i) National Identification;
(ii) Voter’s registration card;
(iii) Driving License;
(iv) Tanzanian Passport; or
(v) Zanzibar Resident ID.

8.2 Loan Repayment

Upon completion of studies, a loan beneficiary shall be required to repay his/her
loan in full or through monthly deductions of not less than 15% of basic salary/
income or a sum not less than TZS 100,000.00 per month for beneficiaries in the
informal sector. In case of termination of studies, the total amount received shall
be repaid in full. All loans shall be subject to a one-time 1% administration fee
on the principal amount.

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9.0 ADMISSION AND TRANSFERS

Admissions for Diploma students will be received from NACTVET (for institutions
under NACTVET) and MoEST (for institutions under the Ministry).

In the event a loan beneficiary transfers from one diploma program to another or within
the same Institution, or from one Institution to another, the loan transfer will be executed upon
receiving confirmation from relevant authorities.

Transfers will not trigger upward changes on the initial loan amounts allocated to
individual beneficiaries unless the student was transferred by authorities or as may be
determined by the Board.

10.0 MODE OF APPLICATION

All loan applications will be done through the Online Loan Application and Management
System (OLAMS). Applicants are REQUIRED to use the same Form Four Index
Number used while applying for admission.

Upon completion of the online loan application process, the applicant SHOULD print out
the application form and Loan Agreement. Thereafter, obtain appropriate authentications,
sign the forms, and attach necessary documents including pages (number 2 and 5) into
OLAMS.

Applicants are reminded to download appropriate application forms for applicants

below the age of 18 Years or 18 Years and above.

11.0 LOAN APPLICATION FEE

Applicants must pay a non-refundable, one-off application fee of TZS 30,000.00 using
system generated control number vide bank or mobile money networks. For details visit:
https://olas.heslb.go.tz

12.0 LIST OF SUCCESSFUL LOAN

APPLICANTS
A list of successful loan applicantsshall be published through the Student’s Individual
Permanent Account (SIPA).

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13.0 APPEAL AGAINST LOAN RESULTS

Unsatisfied applicants may be allowed to submit their appeal through the Online
Appeal Form in their Student’s Individual Permanent Account (SIPA). The appeal
process will not attract any cost to the applicant (Application Fee). The Loan Appeal
window for 2024/2025 opens on 15th September 2024 to 30th September 2024.

14.0 MANAGEMENT OF INQUIRIES

Applicant(s) with inquiries are advised to contact us through HESLB Call Centre (0736
665533); Verified Social Media Platforms namely; X, Instagram and Facebook (HESLB
Tanzania) and e-Mrejesho (www.heslb.go.tz).

Issued by:
THE EXECUTIVE DIRECTOR
MAY, 2024

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Higher Education
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Students’ Loans Board
1 Kilimo Street, Tazara,
Mandela Road
P.O. Box 76068,15471
Dar es Salaam
Phone: 0736 665 533
Email: [email protected]

ZANZIBAR
Michenzani Mall,
Michenzani Area
Fifth Floor
P.O. Box 900,Zanzibar,
Phone: 0779 321 424

Call Centre +255 736 66 55 33 Email: [email protected]

WhatsAppPSSF
+255 739
Twin 66 55 33
Tower
Mission Street, Ground Floor ARUSHA
NSSF Mafao House,

P.O. Box 76068, Dar es Salaam First Floor

P.O. Box 2712, Arusha
Phone: 027 2520128
Phone: +255 758 067 577 0624 100 011
0739 102 016
+255 739 067 577 Email: [email protected]

Email: [email protected]

MWANZA
PSSSF Plaza, Second Floor
Kenyatta Road
P.O. Box 3051, mwanza
Phone: 028 2506008
0759 819 350
0738 153 661
Email: [email protected]

HESLB Tanzania HESLB Tanzania HESLB_Tanzania

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DODOMA CAG Building, Mbalizi Road
P.O. Box 319, Mbeya
Phone: 0738 131 310
0738 131 311
Email: [email protected]

PSSSF Building +255 758 067577

Makole Road,
Uhundini.

P.O. Box 984, +255 739 067577 MTWARA

11 Dodoma NHC Raha Leo Complex,
Second Floor
P.O. Box 969, Mtwara
HESLB Tanzania HESLB_Tanzania HESLBTanzania Phone: 0733
[email protected]
068 171
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