Education is the cornerstone of personal and national development, and Zambia recognizes the importance of ensuring access to higher education for all its citizens. To achieve this goal, you will need HESLB application form PDF Zambia various institutions and government bodies offer student loans and bursaries to support deserving students. In this comprehensive guide, we will explore how to apply for a student loan in Zambia, the requirements for bursaries, the process of writing an application letter for a student loan, and some universities that offer student loans.

Part 1: Applying for a Student Loan in Zambia

Student loans in Zambia are typically provided by the Higher Education Student Loans and Grants Board (HESLGB), a government agency responsible for financing higher education. Here’s how you can apply for a student loan:

  1. Eligibility Criteria: To qualify for a student loan, you must meet certain eligibility criteria. These criteria may include being a Zambian citizen, having an admission offer from a recognized institution, and demonstrating financial need.
  2. HESLGB Application Form PDF: The first step in applying for a student loan is to obtain the HESLGB application form, which is usually available on their official website. This form can be downloaded as a PDF file for your convenience.
  3. Complete the Application Form: Fill out the application form with accurate and detailed information. Be sure to provide all the required documents, including proof of admission, academic transcripts, and a budget plan outlining your estimated educational expenses.
  4. Submit Your Application: Once you have completed the application form and gathered all necessary documents, submit your application to the HESLGB office within the stipulated deadline. It’s crucial to adhere to the application timeline to increase your chances of approval.
  5. Review and Approval: The HESLGB will review your application and assess your eligibility based on their criteria. If your application is approved, you will receive notification of the loan amount you are eligible to receive.
  6. Loan Disbursement: After approval, the HESLGB will disburse the loan amount to your institution to cover tuition fees and other educational expenses.

Part 2: Requirements for Bursaries in Zambia

Bursaries are another form of financial aid that can help students in Zambia pursue their higher education. Here are the typical requirements for bursaries:

  1. Academic Excellence: Bursaries often prioritize students with outstanding academic records. Maintaining high grades can significantly enhance your chances of securing a bursary.
  2. Financial Need: Demonstrating financial need is crucial for bursary consideration. You may be required to provide information about your family’s income and financial circumstances.
  3. Community or Social Involvement: Some bursaries prioritize students who are actively involved in community service or extracurricular activities.
  4. Admission Offer: Similar to student loans, you will likely need an admission offer from a recognized institution to be eligible for a bursary.

Part 3: Writing an Application Letter for a Student Loan in Zambia

When applying for a student loan, it’s essential to include a well-crafted application letter. Here’s how to write one:

  1. Introduction: Begin your letter with a formal salutation and introduce yourself. Mention your intention to apply for a student loan from the HESLGB.
  2. Academic Information: Provide details about your academic background, including your current course of study, institution, and admission status.
  3. Financial Need: Explain your financial circumstances and why you require financial assistance. Be honest and specific about your financial challenges.
  4. Educational Goals: Describe your educational and career goals. Explain how obtaining a student loan will help you achieve these goals.
  5. Supporting Documents: Mention that you have attached all required documents, such as transcripts, proof of admission, and a budget plan.
  6. Conclusion: Summarize your request and express your gratitude for considering your application.
  7. Formal Closing: Sign off your letter formally with phrases like “Sincerely” or “Yours faithfully.”

Part 4: Universities Offering Student Loans in Zambia

Several universities in Zambia offer student loans or have partnerships with financial institutions to provide financial support to students. While the availability of student loans may vary, some institutions that have historically offered student loans include:

  1. University of Zambia (UNZA): UNZA has a history of offering financial aid and scholarships to deserving students.
  2. Copperbelt University (CBU): CBU may have opportunities for student financial support through partnerships or its own programs.
  3. Mulungushi University: This institution has previously offered financial assistance to eligible students.

It’s essential to research and contact the financial aid or scholarship office at your chosen university for the most up-to-date information on available student loans and bursaries.

[Download] HESLB application form PDF Zambia


Access to higher education in Zambia is attainable through student loans and bursaries. The Higher Education Student Loans and Grants Board plays a crucial role in providing financial support to deserving students. By following the application process, meeting eligibility criteria, and crafting a compelling application letter, you can increase your chances of securing the financial assistance you need to pursue your educational dreams in Zambia.