HELB dryfry
- Thread starter Thiem
- Start date
Thiem
Lister
How can an unemployed youth pay in bulk?..we need to fix this HELB..
Clemens
Elder Lister
They can't, but when you inform them that you are not employed they hold off the penalty.
Aviator
Elder Lister
Its OK, the loan had to be repaid.
But 5k for skipping a month? That's an illegality.
LeoK
Elder Lister
Bro, those are the ones that pay. When I was in school helb was given depending on who you knew. Kids from v v well up families / connected took the lions share. How do you imagine the payment went??? So even those with ability to pay back DECIDED not to pay.
LeoK
Elder Lister
Go to them and don't leave that office without a payment plan that favours you. That way even the courts cannot touch you.
Therapist
Lister
Wachome Bricks walipe school fees. These dimwits need to pay up
When you're employed, I think it's some way of having some financial discipline, ndio unaona hata mshwari kuna defaulters.
LeoK
Elder Lister
People choose to default. My fren even KRA just go and ask shida iko wapi. Ukiruka huna bahati . Hao ni wabaya
Pseudonyms
Elder Lister
People here are arguing from a moral superiority standpoint.
Ati
Mwingine
Na Tena
Let me give you my example and why I don't pay.
I was employed immediately I graduated. I started repaying 3,660 and I paid for about 3 years. That figure was arbitrarily reached upon by HELB and my employer without my input. But that's not important at this point.
Kisha nikafutwa. My balance was 58k then.
I survived from hand to mouth for several years. Kama hata bado sijapata a firm financial footing I started getting demand letters zao kwa P.O. Box ya mzee. Ya kwanza ilikua around 180k. Nikajipeleka kuwaona juu I thought it was a mistake.
Nikaambiwa mistake ilikua yangu ati sikuenda kujieleza vile nilifutwa so waka-apply penalties. I told them I didn't know that was possible. But now since they were aware of my situation would they please not apply those penalties until I start repaying again?
Ati apana. For the penalties to be waived, you have to pay in lump sum. Ukishindwa na hutaki penalties ziongezeke uanze kulipa Ile 3,660 ulikua unalipa. Nikashindwa both options. All our communication is in writing.
So the last demand letter came in August. It was 480k na upuzi. Now tell me honestly, would you pay 480k from a debt of 58k? Even if the penalties were to be waived, the interests on those penalties are not waived and even then, only 80% of the penalties are written off. So if I decided to pay a lump sum, I'd have to pay about 200k. Would you pay that?
So it's not that we just don't want to pay juu ati sisi ni vichwa ngumu.
Ati
Mwingine
Na Tena
Let me give you my example and why I don't pay.
I was employed immediately I graduated. I started repaying 3,660 and I paid for about 3 years. That figure was arbitrarily reached upon by HELB and my employer without my input. But that's not important at this point.
Kisha nikafutwa. My balance was 58k then.
I survived from hand to mouth for several years. Kama hata bado sijapata a firm financial footing I started getting demand letters zao kwa P.O. Box ya mzee. Ya kwanza ilikua around 180k. Nikajipeleka kuwaona juu I thought it was a mistake.
Nikaambiwa mistake ilikua yangu ati sikuenda kujieleza vile nilifutwa so waka-apply penalties. I told them I didn't know that was possible. But now since they were aware of my situation would they please not apply those penalties until I start repaying again?
Ati apana. For the penalties to be waived, you have to pay in lump sum. Ukishindwa na hutaki penalties ziongezeke uanze kulipa Ile 3,660 ulikua unalipa. Nikashindwa both options. All our communication is in writing.
So the last demand letter came in August. It was 480k na upuzi. Now tell me honestly, would you pay 480k from a debt of 58k? Even if the penalties were to be waived, the interests on those penalties are not waived and even then, only 80% of the penalties are written off. So if I decided to pay a lump sum, I'd have to pay about 200k. Would you pay that?
So it's not that we just don't want to pay juu ati sisi ni vichwa ngumu.
Abba
Elder Lister
you would have added my quote to your list
. I had the same predicament but i had to know someone for all the penalties to be waived off. HELB has a broken system but at the same time our younger generation need that money to assist them study.Here is my point , i don't blame defaulters nor HELB but the inability of the government to create job opportunities for the youth to ensure there is a steady flow of cash to HELB. As usual you cant fight the gaament unless people wake up and stop reasoning using bonobo minds and realize BBI wouldn't help them pay the loans ....