HESLB Public Notice | Taarifa Ya HESLB Kwa Waombaji Mikopo
HESLB Public Notice | Taarifa Ya HESLB Kwa Waombaji Mikopo, article has details about heslb login 2022/23, www.heslb.com, heslb.go.tz login, Www.heslb.go.tz 2022/23 login
Form six candidates 2022 started their exam on may 09. Bodi ya mikopo (heslb) provides an opportunity for all Form Six graduates to apply for a higher education loan.
Higher education loan responses are provided after college options are finalized.
sipa heslb login | heslb portal | olams login
A Student Individual Permanent Account (SIPA) is a personal account for higher education loan applications for students who need to enroll in various universities in Tanzania.
The Tanzanian government uses it to provide loans to students admitted to various universities to cover the cost of education and their livelihoods.
HESLB Public Notice | Taarifa Ya HESLB Kwa Waombaji Mikopo
The Higher Education Student Loan Board (Heslb) has done a very impressive job in enabling Tanzanian students who are about to start their university studies to apply for a higher education student loan through Online Loan Application and Management (OLAMS).
Tanzania students around the world can apply for a loan and get accepted provided they meet all the requirements.
bodi ya mikopo tanzania login
To get loan for your university studies you have to apply to bodi ya mikopo tanzania login and follow all required guidlines
If you do not know how to get started with Sipa Heslb “OLAMS”, this article will guide you on Sipa Heslb Login and provide you with info on how to apply for a Higher Education Student Loan.
What Can Be Done in SIPA HESLB Account?
The following below are the list of things can be performed in the SIPA account login:-
- To apply loan
- View your loan application status
- View HESLB loan allocations status include an amount you will be paid
- Also incase you have loan application error in this account you will be able to correct errors while you fill HESLB loan application form
Student Individual Permanent Account Sipa Heslb Login Guide
Here are the step to follow for login in your HESLB SIPA account
- Use browser of your choice on your mobile phone, tablet, laptop, or computer to access the official web page of ESLB’s Online Loan Application System (OLAMS) == >> https://olas.heslb.go.tz/index.php/olas/Olas
- There after you will see list of direct link available for different user including Loan Applicants, Loan, Beneficiaries, Loan Repayment Portal and HLIs & Loan Officers
- Select on “Login for Registered Applicants” To access Sipa Heslb Login page
- There after you will be redirected to login page where you must enter your Form Four Index Number *: (e.g. S0143.0078.1990) and Password to login to your account
In case of enquires, contact Loan board help center during work hours (0830 hrs – 1700hrs) through:
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) is a higher education Loan board in Tanzania established in 2004.
In BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) has helped many low-income young people to afford higher education (university studies). These loans are given to everyone who meets the criteria while science students are given priority.
On this page, jobwikis will help you to know various things about credit board (BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM)) and how to apply based on BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) certification criteria. See also BODI YA MIKOPO 2022/23 Appeal Window 2022/2023 | Rufaa Ya Mkopo BODI YA MIKOPO 2022/23
The Higher Education Student Loans Board (BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM)) is an Institution established under Act No. 9 of 2004 (as amended in 2007, 2014 and 2016) with the aim of assisting needy and eligible Tanzanian students with loans and education grants high.
The main responsibilities of BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) include:
Provide loans to needy students who have obtained admission to recognized higher education institutions, but who cannot afford higher education costs. Visit also Study abroad Funded scholarships 2022/2023
Collect ripe loans from loan beneficiaries and have a sustainable fund that will help lend to other needy students
Establish strategic partnerships with stakeholders in funding higher education students
8 Steps to apply for a Heslb loan – OLAMS 2022
To Successfully apply and fix the application forms, the Applicant can register and complete the application form at the HESLB portal by following and the simple instructions below;
jinsi ya kuomba mkopo heslb 202/2023
- Step #1: First go to the HESLB OLAMS official Site https://olas.heslb.go.tz/
- Step #2: On the home page, click on apply for Loan
- Step #3: The registration form will appear.
- Step #4: Provide all the required information and complete the registration process.
- Step #5: Carefully enter all the information in the required fields.
- Step #6: Submit the required documents in the desired format.
- Step #7: Read all details carefully when all entries are made.
- Step #8: Make the payment of the application fee. Applicants must pay a non-refundable, one-off application fee of TZS 30,000.00through GePG vide NMB, CRDB, TPB, Vodacom M-PESA, TIGO PESA, and AIRTEL MONEY. For details visit: https://olas.heslb.go.tz
See your status YOUR HESLB Loan status 2022/2023
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GUIDELINES AND CRITERIA FOR ISSUANCE OF STUDENTS’ LOANS AND GRANTS FOR THE 2022/2023 ACADEMIC YEAR
- All loan applicants for Academic Year 2022/2023 are required to:
- Read and follow application procedures stated in these guidelines for Academic Year 2022/2023;
- Ensure that the Form Four Index Number provided when applying for loans matches with the one used in your application for admission;
- Applicants who seated for Form Four Examinations more than once are reminded to list all Form Four index numbers used while applying for loans.
- Ensure that all documents submitted to support your application have been certified by relevant authorities as specified in the guidelines;
- Ensure that all birth/death certificates and other certificates are certified by Registration, Insolvency and Trusteeship Agency (RITA), and Zanzibar Civil Status Registration Agency (ZCSRA) “Wakala wa Usajili wa Matukio ya Kijamii Zanzibar “or designated officer(s) to ascertain their validity;
- Ensure all Birth certificates for students who were born in foreign countries are certified by respective Embassies located in the United Republic of Tanzania. Also, Death Certificates for Tanzanian Parents who died in foreign countries are certified by respective Embassies.
- Ensure that your application form is duly filled and signed before submission;
- Applications must be completed with correct (and accurate) details;
- All applicants are advised to keep a copy of the complete package of the application form submitted to BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) for future reference (if required) and
- All applicants must strictly observe the set application deadline.
The Higher Education Students’ Loans Board (BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM)) was established by BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) Act (CAP 178) and became operational in July 2005.
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) is mandated to, among others, issue loans and or grants to needy and eligible students.
The application window for Academic Year 2022/2023 will be open from July 15, 2022, through August 30, 2022.
ELIGIBILITY – HESLB LOGIN 2022/23 | WWW.HESLB.COM
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) Act and regulations provide for General Eligibility and Criteria for applicants seeking loans. NEEDY and ELIGIBLE applicants may apply for loans and/or grants to meet part or full costs of their education.
In addition to the general eligibility, additional criteria define NEEDY applicant who should not exceed 35 years of age at the time of application, who may:-
- Be a poor orphan who has lost one or both parents (death certificate has to be certified by RITA or Zanzibar Civil Status Registration Agency (ZCSRA) “Wakala wa Usajili wa Matukio ya Kijamii Zanzibar “or respective Embassies located in the United Republic of Tanzania).
- Be a poor disabled student whose disability shall have to be certified by the District Medical Officer (DMO), Regional Medical Officer (RMO), or any entity authorized to certify such cases (as may be specified).
- Have poor parents with disabilities to be certified by the District Medical Officer (DMO), Regional Medical Officer (RMO), or any entity authorized to certify such cases (as may be specified).
- Be from lower-income households and/or marginalized communities whose secondary school or diploma education was sponsored. Applicants in this category will be required to ask respective sponsors to fill a standard proof of sponsorship form which can be downloaded from the BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) website and upload along with other attachments in the application. The said letter shall be authenticated and regarded as evidence of such sponsorships.
- Be from a lower-income household and/or marginalized community, which is under Special Economic Support Programs for example TASAF. They should provide the program beneficiary’s number as proof.
General Eligibility Criteria as Pronounced by the Act
General Eligibility criteria require an applicant to meet the following conditions for BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) : –
- Must be Tanzanian;
- Must have applied for a loan through Online Loan Application and Management System (OLAMS);
- Must have been admitted to an accredited Higher Learning Institution on a full-time basis except for students admitted at the Open University of Tanzania (OUT).
- Must not have funding from other sources.
- Must be a continuing student with results/progress reports to show that he/she has passed the examinations necessary to enable him/her to advance to the following year or stage of the study.
- For a student’s loans beneficiary seeking to re-apply for loans after dropping out from one programme/college/university) he/she must repay at least 25% of their previous loans before applying for a new loan. (Note: Payment of 25% of the previously granted loans is not a guarantee for new loan allocation).
Other Eligibility Criteria for BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM)
- Loans shall be allocated in the order of established Neediness, and programme clustering.
- Continuing Students applying for loans for the first time must have completed ACSEE or other equivalent qualifications within Five (5) years, i.e. from 2016-2022 inclusive.
- All other applicants who secured admission to pursue various degree programmes in the academic year 2022/2022 must have completed their ACSEE or other equivalent qualifications within five (5) years, i.e. from 2016-2022 inclusive.
4.0 PROGRAMME CLUSTERS for BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM)
After establishing the applicant’s neediness, and meeting requirements under sections
3.1 and 3.2 above, the following program clusters will be used to determine the loans to be issued in priority order subject to availability of funds.
Courses under this cluster include: –
- Education and Teaching in Science (Physics, Chemistry, Biology,
- Health Sciences (Doctor of Medicine, Dental Surgery, Veterinary Medicine, Pharmacy, Nursing, Midwifery, Prosthetics and Orthotics, Physiotherapy, Biotechnology and Laboratory sciences, Radiotherapy Technology);
- Engineering Programmes (Civil, Mechanical, Electrical, Mining, Mineral and Processing, Textile, Chemical and Processing, Agriculture, Food and Processing, Automobile, Industrial, Maritime Transportation, Marine Technology, Electronics and Telecommunication, and BioProcessing and Post-Harvest), Water and Irrigation, Petroleum and Gas, and electrical, Bachelor Degree in Aircraft and Maintenance Engineering, Bachelor Degree in Pilot Engineering and Bachelor of Bio-medical Engineering Programme.
- Petroleum Geology, Petroleum Chemistry
- Agriculture, Forestry, Animal Sciences, and Production Management
Courses under this cluster include:
- Basic Science Programmes (BSc General, BSc in/with Applied Zoology, Botanical, Chemistry, Physics, Biology, Microbiology, Molecular Biology, and Biotechnology, Fisheries and Aquaculture, Aquatic Environmental Sciences and Conservation, Geology, Mathematics and Statistics, Environmental Sciences, Environmental Health, Wildlife and Conservation), ICT Legal and ICT and Programming, Information Systems and Network Management, Environmental, Urban Development and Industrial Metrology.
- Land Science Programmes (Architecture, Landscape and Architecture, Interior Design, Building Survey, Building Economics, Urban and Regional Planning, Land Management and Valuation, and Geospatial Technology).
- Courses under this cluster include Business and Management Studies, Social Sciences, Arts, Humanities, Law and Legal Studies, Languages, Literature, Media and Communications Studies.
All other courses not listed in either of the clusters will fall under Cluster III.
LOAN ITEMS, MEANS TESTING AND AMOUNTS TO BE ALLOCATED
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) may provide loans to cover all or some of the following items:-
- Meals, Accommodation, and Incidentals (MAI)
- Tuition Fee (TF)
- Books and Stationery Expenses (BSE)
- Special Faculty Requirements (SFR)
- Research Expenses (RE)
- Field Practical Training (FPT)
Means Testing System
Means Testing (MT) will be used to determine applicants’ neediness for financial assistance. School Fees paid in CSEE, ACSEE or equivalent qualifications including diplomas is one of the factors considered to establish an individual’s ability to contribute to the costs of higher education. Other factors that are taken into consideration are orphaned, disability, sponsorship, and poor family.
Therefore, the neediness shall be measured as a difference between total annual costs to pursue an individual program at respective Higher Education Institutions (HEIs) and established applicant’s past ability to pay for a secondary school education or diploma as an indication of the applicants’ ability to contribute to the costs of higher education.
Distribution of Loanable Items
Loans to successful applicants will be allocated starting with Meals, Accommodation and Incidentals (MAI); Tuition Fee (TF) then Books and Stationery Expenses (BSE), followed by Special Faculty Requirements (SFR), Research Expenses (RE) and finally Field Practical Training (FPT) based on the remaining amount from the preceding loan items.
Approved Tuition Fee Rates – heslb.go.tz login
Maximum applicable tuition fees for all successful loan applicants shall be pegged to the equivalent current-approved-highest-tuition fees payable to Public Higher Education Institutions.
Continuing students who are loan beneficiaries
All continuing loan beneficiaries shall continue to receive their loans as per their original Means Test Grades upon submission of examination results/progress reports. All continuing loan beneficiaries SHOULD NOT RE-APPLY for loans.
Payment Mode: MAI, BSE, FPT and RE items shall be paid directly to students while TF and SFR shall be paid to the respective Higher Education Institutions (HEIs).
6.0 OVERSEAS LOAN APPLICANTS (UNDERGRADUATE AND POSTGRADUATE)
Eligible students for loans for the 2022/2023 academic year, admitted to pursue studies overseas must fulfill General Eligibility Criteria set in Section 2.1 above.
In addition to the General Eligibility Criteria set in Section 3.2 above, only overseas applicants selected by the Ministry of Education, Science and Technology will be eligible for top-up stipend loans not exceeding USD 5400 per annum. The students have to be selected to pursue studies overseas under bilateral agreements between the Government of the United Republic of Tanzania and foreign governments.
OTHER CONDITIONS FOR ISSUANCE OF LOANS in BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM)
Liability of Guarantors and Parents
Parents/Guarantors are responsible for confirmation of correctness (and accuracy) of information submitted in the application forms before signing. The guarantors are expected to ensure that loans are repaid and must be aware of the borrowers’ whereabouts until the loans are fully repaid. In case of default, guarantors shall be responsible to settle the due /unpaid loan in full.
The Guarantor is required to append a photo and a certified copy of either of the following Identification cards; Before you make an application for BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) in 2022 make sure you have the following documents.
- National Identification card.
- Voter’s registration card.
- Driving License.
- Tanzanian Passport
- Zanzibar Resident ID
Upon completion or termination from higher education studies, a loan beneficiary shall be required to repay his/her loan through monthly deductions of not less than 15% of salary/income. The amount payable by a self-employed beneficiary shall not be less than 100,000/= per month.
Loan Repayment Requirements
Value Retention Fee
To ensure the sustainability of the loan scheme, a Value Retention Fee (VRF) equivalent to 6% per annum shall be charged from the outstanding loan balance upon completion of studies.
Loan Administration Fee (LA)
All students’ loans shall be subjected to 1% Loan administration fee charged once.
Penalty Fee (PF) – HESLB LOGIN 2022/23 | WWW.HESLB.COM
A loan beneficiary who fails to service his/her loan upon expiry of the grace period of 24 months after completion of studies, shall be charged a one-time penalty at a tune of 10%.
8.0 INTER-UNIVERSITY AND INTERNAL TRANSFERS
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) shall not raise a duplicate loan payment to such students who voluntarily move to other HEIs. Upon receiving confirmation from relevant authorities, a loan transfer will be affected.
Unless there is strong supporting clarification for late submission of transfer confirmation, no loan transfers will be made 120 days after the release of the first batch of admission. All Transfers will not trigger any change on the original loan amounts allocated to individual beneficiaries.
List of Candidates admitted to Higher Learning Institutions
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) will consider loan applications from students whose admissions have been approved and submitted by the Tanzania Commission for Universities (TCU) and/or other relevant authorities including respective HEIs as the case may be.
9.0 BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) MODE OF APPLICATION 2022
All loan applications will be done through Online Loan Application and Management System (OLAMS). Applicants are REMINDED to use the same Form Four Index Numbers used while applying for admissions.
Upon completion of the online application process, applicants shall be required to print out the application forms and Loan Agreements, obtain appropriate authentications, sign the forms, attach necessary documents and upload into OLAMS before submitting the same through EMS to:-
The Executive Director,
Higher Education Students’ Loans Board,
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) House, 1 Kilimo Street, TAZARA Area, Mandela Road, P.O.Box 76068,
15471 Dar es Salaam, Tanzania
Applicants are REMINDED to keep full sets of the loan application, attachments submitted, and EMS receipts used for mailing their applications to BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) for easy tracking when necessary.
10.0 www.bodi ya mikopo 2022/23.com (HESLB LOGIN 2022/23 | WWW.HESLB.COM) LOAN APPLICATION FEE 2022
Applicants must pay a non-refundable, one-off application fee of TZS 30,000.00 through GePG vide NMB, CRDB, TPB, Vodacom M-PESA, TIGO PESA, and AIRTEL MONEY. For details visit: https://olas.BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM).go.tz
11.0 BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) Loan Application Deadline
The Loan Application window for 2022/2022 opens on July 5th, 2022 through
August 31st, 2022.
Publication of Successful Loan Applicants
A list of successful loan applicants with their corresponding allocations shall be published on the website: www. BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM).go.tz
12.0 APPEALS AGAINST AWARDED LOAN AMOUNTS – heslb.go.tz login
Applicants who are not satisfied with the allocations may appeal by completing relevant Online Appeal Forms. (Details to be provided later).
13.0 INQUIRIES AND COMPLAINTS
Applicants or loan beneficiaries with inquiries or complaints will have to follow procedures displayed in the loan application window.
POSTGRADUATE STUDENTS | Bodi ya Mikopo Tanzania 2022/23
Eligible students for loans for the 2022/2023 academic year, admitted to pursue Postgraduate Degree Programmes must fulfill the General Eligibility Criteria set in 3.2 above.
Postgraduate students (Academic Staff)
In addition to the General Eligibility Criteria, applicants must fulfill eligibility criteria specific to the postgraduate applicants’ category, which are:
- They must hold a first Degree or an Advanced Diploma, with a minimum of Upper Second Class (for applicants pursuing Masters Degrees) or Master’s Degree with minimum of Upper Second Class (for applicants pursuing Ph.D. degrees);
- They must be academic members of staff, admitted to pursue postgraduate studies on full-time basis, at an accredited Higher Education Institution in Tanzania;
- They must have been officially nominated by the employer, and obtained endorsement by the Vice-Chancellors/Principal/Provosts/head of the respective institution;
- They must have started to repay their previous loans at least for an unbroken period of twelve months, or a lump sum of the same installments if he/she was previously a students’ loans beneficiary;
- The employer must have signed the Financial Agreement between the Higher Education Students’ Loans Board and the Higher Education Institution.
Postgraduate students admitted at the Nelson Mandela African Institute of Science and Technology (NM-AIST)
To strengthen national capacity in research, ICT, and innovation, BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) issues loans to students admitted to pursue Masters and Ph.D. in Science-related programs courses at the Nelson Mandela African Institute of Science and Technology (NM-AIST).
Eligible students for loans for 2022/2023 academic year must fulfill General
Eligibility Criteria set in 3.2 above.
In addition to the General Eligibility Criteria set in 3.2 above, applicants must fulfill eligibility specific requirements to postgraduate applicants in the NM-AIST category: –
(i) Must have been admitted at the Nelson Mandela African Institute of Science and Technology (NM-AIST) to pursue a masters or Ph.D. program in one of the under-listed priority sectors:
- Life Sciences,
- Mathematical & Computer Science Engineering,
- Information and Communication Science Engineering,
- Materials, Energy, Water and Environmental Sciences.
(ii) Must have been employees of Public Institutions and worked for a minimum of two (2) years;
(iii) Must be guaranteed by their employers with respect to repayment of the loans;
(iv) Must have started to repay their previous loans at least for an unbroken period of twelve months, or a lump sum of twelve installments, if they were previously Higher Education Students’ Loans Board’s beneficiaries.;
(v) Repayment for NM-AIST postgraduate students’ loans shall start immediately upon completion of the first year of study by monthly installments deducted by employers from the beneficiary’s salary and remitted to the Board.
Postgraduate students admitted at Law School of Tanzania (LASCOT) Students
Law School students who are eligible for loans in 2022/2023
The academic year must meet the following conditions:
Must fulfill the General Eligibility Criteria set in Section 3.2 above.
In addition to the General Eligibility Criteria set in Section 3.2 above, applicants must fulfil eligibility criteria specific to the Postgraduate applicants at Law School of Tanzania (LASCOT) which are: –
- Must have graduated (with LLB Degree) not more than Five years back (i.e. from 2016 to 2022);
- Loans will be issued ONLY to NEEDY Applicants who were previous loan beneficiaries;
- An applicant (previous loans beneficiary) whose loan has matured must have paid all due installments in full.
Loans for Law School students shall be issued to cover the following items:
- Books and Stationery expenses;
- Tuition Fee.
Applicable rates for Postgraduate Students- bodi ya mikopo 2022/23 login 2022/23
Meals, Accommodation, and Incidentals (MAI)
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) may provide loans for Meals, Accommodation and Incidentals at the rate of TZS 10,000/= per day while on campus for theoretical instructions or in field for data collection.
Books and Stationery Expenses (BSE)
A maximum of TZS 500,000/= per annum for Books and Stationery may be granted to eligible students pursuing Masters and PhD.
Tuition Fee (TF) – Bodi ya Mikopo Tanzania 2022/23
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) may provide tuition fee loans at a 100% rate based on the rates charged by the respective Higher Education Institution.
Research Expenses (RE)
BODI YA MIKOPO 2022/23 (HESLB LOGIN 2022/23 | WWW.HESLB.COM) may provide loans at a 100% rate for Research expenses in all fields, based on the rates applicable at HLI as may be endorsed from time to time.
Applicable rates include a maximum of TZS 2,000,000/= per annum for Master’s Degree program and a maximum of TZS 5,000,000/= per annum for a Ph.D. Degree program
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What to do if you are not located for loan..?-HESLB Public Notice | Taarifa Ya HESLB Kwa Waombaji Mikopo
If you will not be succeed to get loan when names released don’t give up because there is a lot of students in Tanzania Universities study without HESLB loan.
Thus have time to participate your parents and other relatives so as they can get prepared to take you University for their own cost.
But there will be HESLB appeal window for those who didn’t not allocated for loan though have all qualifications or criteria. You can take this opportunity to appeal so as you can get allocated for loan