Distance Learning provides people in employment with the opportunity to acquire degrees through a flexible and cost-effective process. Although the Higher Education Loans Board (HELB) finances higher education in Kenya, no provision has been created to finance distance learners. In view of this, over 70% of distance learners experience fee payment difficulties and another 34% drop out annually. In response to the situation, learners have adopted various financing practices, which remain unexplored and undocumented.