Does this planner provide NSFAS, HELB or other programme rates?

No. Enter the current terms from your own statement or agreement and date the source.

Can it model income-contingent repayment?

No. It models a fixed-rate, equal-payment plan. Use an official statement for income-contingent or salary-deduction schemes.

Is TETFund a student-loan preset here?

No. TETFund describes its beneficiaries as public tertiary institutions, so it is not treated as an individual student-loan product.

Private statement worksheet

Turn one current student-loan statement into a repayment plan.

Enter the terms you can verify, choose how interest behaves before repayment, and inspect every row. The planner does not invent programme rates or turn an income-contingent scheme into a fixed loan.

No programme presetsNo approval or eligibility verdictNo AI or network sendSource and date required

Français

Your entered-term plan

Balance when repayment starts--

Scheduled loan payment--

First payment + fee + extra--

Total modeled interest--

Total entered fees--

Total modeled repayment--

Timeline including grace--

Debt payments / net income--

Cash after debts + first payment--

Month	Phase	Cash payment	Interest	Principal	Balance

Method and boundary

The planner capitalizes grace-period interest only when you select that contract term, then calculates a reducing-balance fixed payment. Extra payments shorten repayment. Monthly fees are added to cash payments, not silently financed. It does not model changing rates, income-contingent deductions, waivers, penalties or forgiveness.

Official programme context reviewed 22 July 2026

HELB undergraduate loans currently describe a 4% rate and KSh 1,000 annual ledger fee for that product; neither is prefilled here.
NSFAS student-loan information and repayment channels require scheme-specific checking; no zero-rate preset is supplied.
TETFund’s mandate is institutional intervention funding, so it is not represented as an individual student loan.

Privacy

No input is stored, put in a URL, or sent to analytics, AI or an API. CSV, JSON and PDF are created locally.

Unverified names

No SOBA preset or claim is included because an official student-loan programme under that name could not be identified. Use the exact provider name from your statement.