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NELFUND: Lifeline or Test of Sustainability?

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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.

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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.

Opinion

Kashim Shettima and the Question of Continuity in 2027

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By Baba Dantiye, MON, mni, FNGE

As Nigeria gradually approaches another election cycle, political discussions are naturally beginning to focus on the choices that will shape the 2027 general elections. Among the issues attracting attention is the question of presidential tickets and, particularly, the role of Vice President Kashim Shettima within the current administration.

The choice of a running mate is one of the most significant decisions in any presidential contest. It involves considerations that go beyond electoral calculations. Factors such as competence, experience, political balance, governance record, public perception and the ability to complement the President’s vision all play important roles.

Against this background, the performance, public service record and leadership contributions of Vice President Kashim Shettima have become central to discussions about continuity and the future direction of the Tinubu administration.

Since assuming office in May 2023, Shettima has occupied an important position within the administration of President Bola Ahmed Tinubu. As Vice President, his responsibilities have included representing the President at official engagements, chairing strategic meetings, coordinating government initiatives and engaging with national and international stakeholders.

One of the notable features of the Tinubu-Shettima partnership has been the public display of cooperation between the President and his deputy. Nigeria’s political history has witnessed instances where relationships between presidents and vice presidents became strained, creating distractions that affected governance. The relatively smooth working relationship between the two leaders has been viewed by observers as an important factor in maintaining stability within the administration.

Shettima has consistently presented himself as a supportive deputy, focusing on responsibilities assigned to him and contributing to the implementation and communication of government policies.

In political leadership, loyalty is often considered alongside competence and capacity. A Vice President is expected not only to support the President but also to bring experience, judgment and independent value to governance. Supporters of Shettima point to his ability to maintain this balance by remaining committed to the administration while drawing from his extensive background in public service.

His leadership of the National Economic Council (NEC) is one of the key areas in which his role has attracted attention. The Council provides a platform for collaboration between the Federal Government and state governments on issues affecting economic development, infrastructure, agriculture, energy and other national priorities.

Chairing such a body requires political maturity, patience and the ability to manage diverse interests. Nigeria’s governors represent different political parties, regions and perspectives. Effective coordination therefore depends on consultation, dialogue and consensus-building.

As a former Governor of Borno State, Shettima brings practical experience of state administration and an understanding of the challenges faced by sub-national governments. This background has been useful in facilitating discussions between the Federal Government and State leaders on issues requiring collective action.

The Vice President has also been involved in government efforts relating to economic coordination, food security and other national development priorities. While the long-term impact of many policies will continue to be assessed, his role demonstrates the importance of coordination and collaboration in a complex federal system.

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Another area frequently discussed is his role in communicating government policies. The current administration has introduced significant economic reforms that have generated extensive public debate. In such circumstances, communication and public engagement become important elements of governance.

Shettima has consistently used public platforms to explain government positions, engage stakeholders and present the administration’s perspective on national issues. His approach has generally emphasised patience, understanding and the long-term objectives of government programmes.

Beyond his current office, Shettima’s experience as Governor of Borno State remains an important part of his public record. He governed during one of the most challenging periods in Nigeria’s recent history, when the Boko Haram insurgency created serious security and humanitarian difficulties.

Leading Borno State during that period required resilience, crisis management skills and the ability to work with security agencies, traditional institutions, humanitarian organisations and development partners. His administration operated under extraordinary circumstances while attempting to sustain government services and support affected communities.

That experience contributed to his understanding of security management, humanitarian challenges and the relationship between peace, stability and development.

His political journey also reflects experience across different levels of governance. Before becoming Vice President, he served in the Senate, where he participated in national legislative processes and gained further exposure to federal governance. His experience as a former governor, legislator and Vice President has shaped his understanding of Nigeria’s political and administrative environment.

Observers have also highlighted his relationship with his successor in Borno State as an example of political transition without public disagreement. In Nigeria’s political environment, where transitions between elected officials can sometimes lead to conflicts, peaceful succession and institutional continuity are often regarded as positive developments.

The Vice President’s relationship with Northern stakeholders has also formed part of discussions around his political relevance. Through engagements with traditional institutions, business communities, professional groups and other stakeholders, he has remained one of the administration’s prominent voices in explaining government policies and national priorities.

The North remains an important component of Nigeria’s political landscape, and leaders from the region have historically played significant roles in national affairs. Shettima’s experience and political network have contributed to his visibility in national conversations.

However, the question of a presidential ticket involves broader considerations beyond the performance of an individual office holder. Political parties must consider issues such as national spread, electoral strategy, changing alliances, public sentiment and the overall objectives of the party.

Different perspectives will naturally emerge as Nigeria moves closer to 2027. Some may emphasise continuity and the value of retaining an established partnership, while others may advocate different approaches based on evolving political circumstances. Such debates are part of the democratic process.

Ultimately, the decision on the composition of the presidential ticket will rest with President Bola Ahmed Tinubu and the leadership of the All Progressives Congress. Their decision will reflect political consultations, strategic considerations and their assessment of what best serves their objectives and the country.

Nevertheless, public discussion remains important because democracy is strengthened when citizens assess leaders based on performance, responsibility and contributions to national development.

A successful administration depends not only on policies but also on teamwork among those entrusted with implementing them. Stability, trust and institutional experience are valuable assets in governance, particularly in a country as complex and diverse as Nigeria.

Whether continuity is ultimately preferred or a different path is chosen, the debate underscores an enduring principle: democratic leadership is strengthened when decisions are informed by performance, experience, constitutional responsibility and the public interest. As Nigeria looks ahead to 2027, the experience, service and contributions of Kashim Shettima will remain central to any serious assessment of the choices before the nation.

About the Writer

Baba Dantiye, MON, mni, FNGE, is a former Commissioner for Information and Internal Affairs, Kano State and former President of the Nigerian Guild of Editors (2003–2008)

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Opinion

History Matters:Development Should Not Be Rebranded-Tijjani Sarki

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Kano Map

 

 

Tijjani Sarki

I have always believed that governments should be applauded for genuine achievements. But I am equally convinced that no administration earns public trust by taking credit for projects it did not initiate.

The historical record on the Kano Northern Bypass and the Bagwai (Watari) Irrigation Scheme is clear. The Northern Bypass was initiated in 2007 under President Olusegun Obasanjo, while the Bagwai Irrigation Scheme has existed for decades as part of the Kano River irrigation programme. If the Tinubu administration has accelerated work on the bypass, it deserves commendation. However, advancing an inherited project is not the same as conceiving it.

I was particularly amazed by a recent post from a political aide to the President, which portrayed the Kano Northern Bypass and the Bagwai Irrigation Scheme as achievements of the Tinubu administration without clearly distinguishing between inherited projects and the administration’s specific interventions. My brother, what the people of Kano expect from you is not the rebranding of long-standing projects, but your influence in attracting new, tangible federal projects to our state. That, more than anything else, would be a legacy worthy of recognition.

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I am often skeptical whenever political communication attempts to replace facts with convenient narratives. Governments earn greater credibility when they acknowledge the foundations laid by their predecessors while demonstrating the value they have added.

To be fair, the Renewed Hope Housing Programme deserves recognition. However, many working Nigerians and low-income families, the overwhelming majority of our population, still question whether such houses are genuinely within their reach.

As a Kano indigene, my greater concern is not who claims inherited projects but what our numerous presidential appointees are attracting to the state. Kano is proud of their appointments, yet their developmental footprint remains far less visible than many expected.

Rather than engaging in avoidable historical revision, I expect our presidential appointees, individually or collectively, to leverage their positions to attract fresh federal investments in irrigation, water resources, healthcare, education, roads, power, agriculture, and industrial development. Kano needs new projects that address its pressing developmental challenges, not borrowed glory wrapped in political narratives.

History remembers those who create lasting legacies, not those who merely claim inherited ones.

Tijjani Sarki
Good Governance Advocate and Public Policy Analyst
From the Ancient City of Kano
17th July,2026

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Opinion

Christian Genocide Debate in Nigeria: Examining the Facts, Statistics, and Different Perspectives.

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By Ayoola Esther Ifeoluwa

Introduction

Few security issues in Nigeria generate as much debate as claims that Christians are facing genocide. International politicians, religious organizations, journalists, and scholars have expressed different opinions. Understanding this issue requires examining the available statistics alongside the broader context of Nigeria’s security challenges.

Arguments Supporting the Genocide Claim

The Sun Nigeria reports that several Christian organizations argue that many attacks deliberately target Christian villages, churches, and clergy. They point to repeated attacks in Benue, Plateau, Kaduna, and Borno, where churches have been destroyed and worshippers killed. Some advocacy groups estimate that tens of thousands of Christians have died since 2009 and describe the violence as systematic persecution.

Arguments Against the Genocide Label

Other researchers disagree with using the term genocide. Data from the Armed Conflict Location & Event Data Project (ACLED) indicate that although Christians have suffered serious attacks, Muslims have also been victims of terrorism, banditry, and communal violence. Many experts therefore describe Nigeria’s insecurity as a combination of terrorism, farmer-herder conflict, organized crime, weak governance, and competition over natural resources rather than a coordinated campaign to eliminate Christians nationwide.

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Key Statistics

According to ACLED, more than 20,400 civilians were killed in nearly 12,000 attacks across Nigeria between January 2020 and September 2025.

According to ThisDay, various organisations have reported that many Christians have been killed or kidnapped in recent years, although exact figures remain disputed.

Recent Reuters reports indicate that violence has continued in Benue and Plateau States, resulting in repeated loss of lives, displacement, and destruction of property. In Plateau State, attacks in communities such as Bokkos, Barkin Ladi, Mangu, Jos North, and surrounding areas have claimed many lives. In Benue State, attacks have also been reported in Katsina-Ala, Kwande, Agatu, and Otukpo, while security agencies have intensified patrols following the killing of the Miyetti Allah Cattle Breeders Association of Nigeria (MACBAN) State Chairman. These incidents highlight the continuing humanitarian and security challenges facing both states.

A Balanced View

Evidence suggests that some attacks have clear religious dimensions, particularly those carried out by extremist groups such as Boko Haram and ISWAP. In other cases, especially farmer-herder conflicts, religious identity overlaps with ethnic and economic disputes, making it difficult to attribute every incident solely to religion.

Overall, the available evidence suggests that Christians have experienced serious persecution and violence in several regions of Nigeria. However, legal experts remain divided on whether the situation satisfies the international legal definition of genocide.

Conclusion

The debate over Christian genocide in Nigeria is unlikely to end soon because of the different interpretations of the evidence. What is beyond dispute is that thousands of Nigerians, both Christians and Muslims, have lost their lives due to insecurity. The priority should be to strengthen security, prosecute perpetrators, support victims, and address the root causes of violence, including poverty, weak institutions, environmental pressures, and political failures.

Sources
Reuters
ACLED (Armed Conflict Location & Event Data Project)
ThisDay
The Sun Nigeria

By Ayoola Esther Ifeoluwa
200 Level Student
Department of Development and Strategic Communication
University of Abuja.

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