By Ibrahim Maryam Queen

For many Nigerian students, securing admission into a tertiary institution is only the beginning of another struggle—finding the money to stay in school. Rising tuition fees, accommodation costs and the increasing cost of living have made higher education difficult to afford for many families. In response to these challenges, the Federal Government introduced the Nigerian Education Loan Fund (NELFUND), a scheme intended to ensure that financial hardship does not prevent qualified students from completing their education.
The response has been remarkable. According to official NELFUND reports, more than one million students have applied for the loan, while hundreds of tertiary institutions have been onboarded onto the platform. These figures reflect not only the popularity of the programme but also the growing financial pressure faced by students across the country.
For one University of Abuja student, who requested anonymity, the loan meant the difference between remaining in school and dropping out.

“My father lost his job and my family could no longer afford my fees. I had already missed lectures, and I feared my education would end. The loan gave me another chance,” she said.

Her story illustrates the reality faced by many students. With household incomes under pressure and youth unemployment still a concern, financing higher education has become increasingly difficult. For many families, student loans provide immediate relief from a burden that might otherwise end a student’s academic journey.

However, the growing number of applications also raises important questions. If demand continues to increase, can the programme remain financially sustainable? While the scheme has attracted widespread interest, Nigeria has millions of students enrolled in tertiary institutions, suggesting that many eligible students may still not have access because of limited awareness, documentation challenges or difficulties with the application process.

Another concern is repayment. Although the loans are designed to ease financial barriers to education, their long-term success depends on graduates’ ability to secure stable employment. Where unemployment or underemployment persists, repayment may become difficult, potentially affecting the sustainability of the scheme. This suggests that student loans cannot be viewed in isolation from broader economic realities.

Experiences from other countries provide useful lessons. A 2017 study by Nicholas Barr, Bruce Chapman, Lorraine Dearden and Susan Dynarski of the Centre for Global Higher Education, University of Oxford, found that poorly designed repayment systems can place heavy financial burdens on graduates. Examining the United States student loan system, the researchers observed that decades of accumulated debt and repayment challenges underscored the importance of creating fair and sustainable loan policies. While Nigeria’s scheme differs from the American model, the study highlights the need for careful implementation and continuous review.

Transparency and public confidence will also determine whether the programme succeeds. Regular publication of data on applications, disbursements, beneficiaries and repayment performance will help strengthen accountability. At the same time, expanding awareness campaigns, particularly in underserved communities, could ensure that eligible students are not excluded simply because they lack information about the scheme.

NELFUND has already provided hope to many students who might otherwise have abandoned their education. Yet its long-term impact will depend not only on the number of loans disbursed but also on sound management, transparent administration and an economy capable of creating opportunities for graduates. Without these, even the most ambitious education financing programme may struggle to achieve its objectives.

Student loans are more than financial assistance; they are an investment in human capital and national development. Whether NELFUND ultimately becomes a lasting lifeline for Nigerian students or a test of sustainable higher education financing will depend on the choices made today by policymakers, institutions and all stakeholders responsible for its implementation.

Sources
Nigerian Education Loan Fund (NELFUND), Official Reports.
National Bureau of Statistics (NBS), Labour Force Survey.
Student Loans (Access to Higher Education) Act, 2024.
Barr, N., Chapman, B., Dearden, L., & Dynarski, S. (2017). Student Loan Design. Centre for Global Higher Education, University of Oxford.
Vanguard Newspaper.
Punch Newspaper.
Interview with an anonymous University of Abuja student (June 2026).

Ibrahim maryam queen
200level student of the department of Development and strategic communication university of Abuja.

BY: NDUBUISI MICHAEL SOMTOCHUKWU

In recent years, Artificial intelligence in Nigeria has rapidly shifted from the digital technologies concept talked about in the past to an everyday companion for students. AI has evolved past just helping students with their assignments and now is seen as capable of giving emotional support when needed. With AI tools such as chat GPT and Claude being able to interact with students, it has now become deeply integrated into their lives. While this shift is seen as an undeniable, beneficial way to help students, it also introduces an emerging concern often described as the term known as AI Delusion, the tendency to over rely on AI systems sometimes mistaking their human like understanding, empathy or authority. From a students perspective, this phenomenon is quietly changing relationships, mentorship and counseling in ways that are both empowering and potentially risky.

AI in academic fields has made communication faster and easier. Nigerian Students now use AI to draft messages, generate conversation ideas, and even simulate companionship through chatbots. For many, especially those who feel isolated or socially anxious, AI can feel like a safe space and non-judgmental, always available, and responsive. However, this convenience comes with a trade-off. Human relationships are built on emotional nuance, shared experiences, and mutual vulnerabilities, qualities AI cannot truly replicate. When students begin to substitute real interactions with AI conversations, they may unintentionally weaken their social skills and reduce meaningful human connections.

From a student’s point of view, the danger lies not in using AI, but in preferring it over people. This is where AI delusion begins: when a student starts believing that AI “understands” them better than their peers or family.

Traditionally, mentorship involves guidance from experienced individuals such as teachers, seniors, or professionals, who provide not just knowledge, but wisdom shaped by real life experiences. In Today’s society, AI tools are used to acquire quick answers, career advice, and academic support, making students prefer these tools over human experience, The speed and accessibility of AI tools is what students appreciate and for most students, it reduces the need to schedule appointments and prevents the fear and judgement students might face when making real connections, they delude themselves saying “it really gets me”.

Mentorship is more than information. A human mentor challenges assumptions, shares personal failures, and adapts guidance based on deep understanding of a student’s personality and context. AI, on the other hand, generates responses based on patterns, not lived experience.

AI in Nigeria offers privacy, immediacy, and a sense of safety. Students may feel more comfortable opening up to a machine than to a person, especially when dealing with stigma or fear of judgment. However, AI lacks true empathy and cannot fully understand complex emotional or psychological conditions. It also cannot replace trained professionals in handling serious mental health issues. From a student’s perspective, AI can feel “good enough,” especially in moments of distress. But relying solely on AI for emotional support can create a false sense of being understood—another form of AI delusion. It may delay seeking real help when it is truly needed

A practical example is being a student in Abuja or Lagos chats with AI every night about stress, school, or relationships. He or she soon Stops opening up to friends and Feels more “heard” by AI than by real people, Believing AI genuinely understands emotions better than humans.

AI is not entirely to blame as misuse and over-dependence when it t comes from the students, From the student’s perspective, the goal should be balance, not avoidance. There are practical ways to minimize delusion of AI,these ways consist of things like allowing it to assist learning and not replace critical thinking, prioritizing real conversations with friends, teachers, and family, combining AI insights with guidance from experienced individuals, and knowing when to seek health for serious emotional or mental health concerns, in summary consult professionals.

Nigeria is experiencing rapid AI adoption, with over 90% of users relying on it for complex tasks and extensive use of chatbots. This high engagement, without adequate local ethical frameworks or mental health support, increases the risk of negative psychological impact. Experts in Nigeria have raised alarms about students experiencing hallucinations, paranoia, and a distorted sense of reality after prolonged, immersive interactions with AI a phenomenon sometimes termed “AI psychosis”.

Other critics however, argue that calling it “AI delusion” exaggerates the issue. Students are not necessarily “deluded”; many are fully aware that AI is not human. Instead, they are simply adapting to a more efficient tool. According to some critics, It may be more accurate to describe the trend as behavioral dependence, not psychological confusion. Historically, similar fears were raised about calculators, the Internet, and smartphones—yet society adapted.

NDUBUISI MICHAEL SOMTOCHUKWU wrote from Department of strategic communications University of Abuja and can be reached at ndubuisimichael292@gmail.com

By Saidu Lawal Burji

I wish to commend Your Excellency for the timely establishment of the Special Task Force on Drug Abuse and Illicit Trafficking in Kano State. This initiative demonstrates your administration’s commitment to protecting the health, security, and future of the citizens of Kano State, particularly the youth who are disproportionately affected by substance abuse and illicit drug trafficking.

The composition of the Task Force reflects a commendable multi-sectoral approach involving security agencies, health institutions, traditional and religious stakeholders, and civil society representatives. However, considering the critical role of pharmaceutical regulation in combating drug abuse and illicit drug circulation, I respectfully wish to advocate for the inclusion of representatives from the National Agency for Food and Drug Administration and Control (NAFDAC) and the Pharmacy Council of Nigeria (PCN) as members of the Task Force.

The inclusion of these two statutory regulatory agencies would significantly strengthen the operational capacity and effectiveness of the Task Force for the following reasons:

Expertise in Drug Regulation and Control

NAFDAC is the foremost federal agency charged with regulating and controlling the manufacture, importation, distribution, sale, and use of medicines and other regulated products in Nigeria. The agency possesses extensive intelligence, technical expertise, and enforcement experience relating to counterfeit, substandard, unregistered, and controlled substances that often fuel drug abuse.

Regulation of Pharmaceutical Premises and Medicine Distribution Channels

The Pharmacy Council of Nigeria is the statutory body responsible for regulating pharmacy practice, pharmaceutical premises, patent and proprietary medicine vendors, and medicine distribution systems. PCN’s knowledge of legitimate medicine supply chains and pharmaceutical establishments would be invaluable in identifying sources of diversion, illegal medicine sales, and unauthorized drug outlets.

Support for Intelligence Gathering and Enforcement Operations

Both agencies maintain valuable databases and field intelligence relating to pharmaceutical products, distribution networks, and regulatory violations. Their participation would enhance the Task Force’s ability to identify illicit drug distribution points and support evidence-based enforcement actions.

Strengthening Investigations and Prosecution

Effective prosecution of drug-related offences requires technical evidence concerning drug authenticity, regulatory status, licensing requirements, and pharmaceutical standards. NAFDAC and PCN can provide expert witnesses, forensic support, and regulatory documentation necessary for successful prosecution of offenders.

Public Education and Demand Reduction

Both agencies have extensive experience in public enlightenment campaigns on rational medicine use, dangers of substance abuse, and safe medicine practices. Their participation would strengthen the advocacy and preventive components of the Task Force’s mandate.

Promotion of a Comprehensive Public Health Approach

Drug abuse is not only a security challenge but also a significant public health issue. The inclusion of NAFDAC and PCN would ensure that regulatory, preventive, and public health perspectives are adequately integrated into the Task Force’s activities.

Your Excellency, the inclusion of these agencies will complement the efforts of the National Drug Law Enforcement Agency (NDLEA) and other security institutions while ensuring a more comprehensive and sustainable response to the challenge of drug abuse and illicit trafficking in Kano State.

I therefore respectfully appeal to Your Excellency to consider expanding the membership of the Special Task Force to include one representative each from NAFDAC and the Pharmacy Council of Nigeria.

I am confident that such inclusion will further strengthen the capacity of the Task Force to achieve its noble objectives and contribute meaningfully to the realization of a healthier, safer, and drug-free Kano State.

Please accept the assurances of my highest esteem and regards.

Yours faithfully,

Saidu Lawal Burji Bpharm, MHE, Msc GHaP(in view)
Chief Pharmacist
Pharmacy Council of Nigeria
Kano State Office
burji1120@gmail.com