Nelfund

NELFUND opens student loan portal for 2025/2026 session

By Anwar Usman

The Nigerian Education Loan Fund has announced the official opening of its student loan application portal for the 2025/2026 academic session, providing access to financial support for students across tertiary institutions in the country.

The agency said the application will run for three months from Thursday, 23rd October 2025, to Saturday, January 31, 2026.

This was revealed in a statement issued on Tuesday by NELFUND’s Director of Strategic Communications, Oseyemi Oluwatuyi.

NELFUND urged fresh students to apply using their Admission Number or JAMB Registration Number in place of a matriculation number.

It called on tertiary institutions to show understanding regarding registration and fee payment deadlines for applicants awaiting loan disbursement.

Institutions are encouraged to show understanding in enforcing registration and fee Flexibility payment deadlines for students awaiting loan disbursement

“Institutions that have not yet commenced their 2025/2026 academic session should formally write to NELFUND with their approved academic calendar for scheduling flexibility

The statement further revealed that, “NELFUND appeals to all institutions to consider temporary registration measures for students whose loan applications are being processed to ensure that no student loses access to education due to financial constraints.”

Journey of three friends: Overcoming with resilience

By Abdullahi Kabiru Muhammed

Life as a student is rarely easy, and for three close friends at Bayero University, Kano, the journey has been both tough and inspiring.

Their journey, which began in Level 100 and is now in Level 400, serves as a powerful testament to faith, friendship, sacrifice, and perseverance.

From the very start, the three friends knew the odds were stacked against them. Two of them were students of Mass Communications, while the third was studying Law, a five-year program. They began their academic journey with no sponsor, relying solely on faith in God and a strong will to succeed. 

Despite the uncertainties, their bond grew stronger. There was no conflict, no hatred, only unity. They shared everything and supported one another with love and understanding.

Their first year was marked by some struggles, but they managed to survive. The hardships were there, but not as overwhelming as what was to come. 

In their second year, things became even tougher. The school fees were increased from ₦37,000 to ₦100,000, causing panic and fear. They started Level 200 without paying their fees, holding on to hope as Bayero University, Kano,continued to extend the registration deadlines. They rarely ate more than once a day, dinner only. Many nights, they went to bed on empty stomachs, and in the morning, they would head to class without breakfast. But through it all, they never gave up. They could only afford ₦40,000 for a single bed space, yet all three of them managed to squeeze into the room.

Just when it seemed impossible, help came. Governor Abba Kabir Yusuf’s administration intervened and covered the school fees for Kano State indigenes. It was a moment of relief and joy. May Allah (S.W.T) guide and protect him, and may He grant him his heart’s desires, amin.

Level 300 came with fewer school fee issues, as NELFUND covered their tuition. However, the cost of living increased, and they struggled to afford food. Two of the friends took on labour jobs, and the third, a tailor, tried to support himself with his handwork.

Among the labourers, one could travel out every weekend for work, while the other could only leave during holidays. The tailor worked under someone and had a few customers. Income was unstable. 

Even though they received a monthly ₦20,000 upkeep allowance from NELFUND, it was often delayed. They sometimes had to borrow money and were usually refused, as people doubted their ability to repay.

Their families supported them too, but the assistance barely covers 10% of their needs. They didn’t desire luxury, just enough to eat and survive.

Now in Level 400, nothing much has changed materially. The hunger, the hustle, the struggles—they remain. But the friends remain grateful, and more than ever, they are hopeful.

They continue to share, encourage, and support one another, believing that tough times don’t last forever. Their academic performance is commendable, and they are determined not to let poverty or hardship define their future.

Their story is a reminder that Allah is always in control. Through all the pain, hunger, and financial stress, they have continued to pray, to trust, and to push forward. Without divine intervention, they believe they would have dropped out, despite their passion to learn.

So, they say “Life is full of ups and downs, but we believe good things will surely come our way. Just be prayerful. Allah knows, and He will surely answer your prayers. All you have to do is believe in Him”

Abdullahi Kabiru Muhammed wrote via khaybhee006@gmail.com.

President Tinubu hails Nigerian students’ victory in UK debate contest

By Abdullahi Mukhtar Algasgaini

President Bola Tinubu has congratulated three Nigerian for their outstanding performance at the 2025 TeenEagle Global competition in London, United Kingdom.

Nafisa Abdullahi Aminu (17), Rukayya Muhammad Fema (15), and Hadiza Kashim Kalli clinched top honors in English language communication and debate.

Nafisa emerged as the overall best in English language skills, Rukayya won the debate category, and Hadiza secured the outstanding talent award (gold medal).

President Tinubu praised the students, describing them as proof of Nigeria’s bright future.

He also commended the country’s education system for nurturing world-class talent.

The President reiterated his administration’s commitment to education, citing initiatives like the Nigerian Education Loan Fund (NELFUND), which supports indigent students.

He urged the winners to remain focused on their academic pursuits.

The victory highlights Nigeria’s growing reputation in global academic excellence.

Varsity students voice concerns over delayed upkeep allowances amidst economic strain

By Anas Abbas

In recent weeks, Nigerian students across various universities have expressed growing frustration over the delayed disbursement of their upkeep allowances, a situation that has exacerbated the financial challenges many face amidst a struggling economy.

The Daily reality gathered that the upkeep allowance which is intended to support students with living expenses, has become a critical lifeline for those relying on it to cover basic needs such as food and transportation.

The Situation on Campus

Reports from Bayero university, Kano indicates that students are increasingly vocal about their plight.

On social media platforms,the students are commenting that the nelfund should disburse their stipend on a regular release.

“The NELFUND upkeep issue has become increasingly concerning, raising doubts about the program’s sustainability due to poor scheduling and inconsistency. Many students rely heavily on these allowances for their food and transportation, and the delays have caused significant hardship,” expressed Yusuf Aminu, a final-year student.

Adamu Muhammad expressed to the Daily Reality that NELFUND should disburse stipends to students on a monthly basis, rather than at arbitrary intervals.

Since it is intended as a monthly allowance, payments should not be made at the discretion of the program.

The current method of distributing student upkeep funds falls short of acceptable standards. “How can upkeep be paid two months or more after it’s due? This is an issue that officials must address urgently.Many students rely entirely on NELFUND, using the stipend to cover essential needs,” he said.

Economic Context

The concerns raised by students come against the backdrop of Nigeria’s ongoing economic challenges. Inflation rates have soared, leading to increased prices for food and other essentials within the compusMany students report having to skip meals or rely on loans from friends to make ends meet while waiting for their allwances.

Nelfund Response

The Daily Reality reached out to the NELFUND office via email and phone but has yet to receive a response.Looking AheadAs students continue to voice their concerns, there are calls for greater accountability and transparency. Student Union government is urging students to be patient.

In a short interview, the Student Union Government (SUG) of Bayero University Kano (BUK) assured the Daily Reality that students should remain patient as the union is actively working to ensure the timely disbursement of their stipends.

“Last week, several universities received their monthly allowances, and we anticipate that Bayero University will receive their upkeep this week,” the SUG representative stated.

“If the allowances are not released by the end of the week, we will send a delegation from the SUG to the NELFUND office in Abuja to address the issue directly,” he added.

As the situation develops, it is clear that addressing these concerns will be crucial not only for the well-being of Nigerian students but also for the future of education in the country.

NELFUND plans to launch job portal, expand student loan support by 2026

By Hadiza Abdulkadir

The Nigerian Education Loan Fund (NELFUND) has unveiled plans to launch a national job portal by 2026, designed to connect student loan beneficiaries with employment opportunities both within and outside Nigeria.

Speaking at a press briefing, NELFUND Managing Director Akintunde Sawyerr stated that the platform will serve as a bridge between graduates and employers, featuring job listings from both the public and private sectors, as well as international recruiters. “Though we cannot guarantee employment, we aim to ease the job search process for our beneficiaries,” Sawyerr said.

He clarified that student loan repayment will commence only after a beneficiary secures a job and completes their National Youth Service Corps (NYSC). Repayments will be deducted at a flat rate of 10% from monthly salaries. In the event of unemployment, deductions will be suspended, and in the event of death, the loan will be written off entirely.

In response to recent complaints from students who paid tuition before receiving their loans, NELFUND has directed institutions to refund the affected students or return the funds to the agency. The Economic and Financial Crimes Commission (EFCC) and the Independent Corrupt Practices Commission (ICPC) are currently investigating defaulting institutions.

NELFUND, which manages over 3.2 million student records, expects an additional one million loan applications by the end of 2025. The agency also announced the rollout of a new vocational loan programme, with a pilot phase launching in Enugu. The initiative will finance training, transport, stipends, and tools — all interest-free.

The misdiagnosis of a nation

By Oladoja M.O

 There is a sickness far graver than malaria, deeper than cancer, and deadlier than an undiagnosed pandemic: it is the sickness of perception. A tragic, self-inflicted malaise where men and women, intoxicated by their bitterness, misread the vital signs of a nation and call it death. 

Nigeria, that African giant, that phoenix that has refused to be buried by dust or drowned by storms, stands misdiagnosed not by its enemies, but by its sons and daughters. They call for good governance, a sacred right, yet in the same breath, they auction the dignity of their fatherland for applause from foreign balconies. Climbing the stages of international conferences not as ambassadors of hope, but as broadcasters of decay, believing that to light their ambitions, the whole house must first be burned.

Yes, there are wounds, visible scars of leadership missteps and bureaucratic fatigue. Yes, the body occasionally limps, gasping for cleaner governance, for a fresher breath of accountability. But to declare her terminally ill? To parade her on global platforms like a festering corpse before she has even sneezed her last? This is malpractice of the highest order.

And yet, even as they wail, Nigeria births victories so luminous they should blind the eyes of every doubter.

In 2024, while cynics sharpened their tongues, Nigeria quietly pulled off the Dangote Refinery miracle. The largest single-train refinery in human history roared into operation. Built on African soil, by African hands, it shattered the historic curse of crude export dependency. Now, Nigeria refines for itself, and soon, for much of Africa. That is not a dying breath. That is the heartbeat of an empire in rebirth.

Even as global markets shook and economies shrank, Nigeria executed one of the most daring economic surgeries in modern African history: unifying its foreign exchange market in 2023, consolidating multiple exchange rates into a single one. The International Monetary Fund, the World Bank, and even the Wall Street Journal stood still in reluctant applause. The Nigerian naira, which was once battered by artificial valuations, finally had its freedom to fight fair. It stumbled at first, as all warriors do. However, today, stabilisation is becoming a new reality, not a distant hope.

In health, the same nation that armchair critics mock has scored historic breakthroughs. Under the leadership of Professor Muhammad Ali Pate, Nigeria has launched one of the world’s first national rollouts of the Oxford R21 malaria vaccine, a game-changing move in a country that accounts for the highest malaria deaths globally. 

Again, Nigeria has turned pain into policy. The federal government, under this administration, declared a Health Sector Renewal Compact in late 2023 (PVAC), marshalling partnerships with global giants like the World Bank and Bill and Melinda Gates Foundation, channelling billions into revamping healthcare delivery, local vaccine production, and training health workers at an unprecedented scale. No more is health an afterthought; it is now a frontline battle Nigeria is visibly winning. While others talk, Nigeria saves lives. While others point fingers, Nigeria vaccinates its future. 

Infrastructure? While “first-world” cities debate electric railways, Nigeria’s megacity, Lagos, launched its Blue Line Rail in late 2023, the country’s first electric-powered intra-city rail system. A steel artery now pulsing through a once-choked metropolis, easing congestion, breathing new possibilities. In Kano, Rivers, Abuja, and Ebonyi States, massive roads, bridges, airports, and industrial parks rose from the dust — monuments to silent nation-building.

Policy? Courageous policies thundered through governance corridors: the subsidy removal in 2023, ending decades-old economic black hole that bled over $10 billion annually. In its place: strategic investments in health insurance for the vulnerable, transport subsidies for the poorest, and agricultural revolution initiatives. The world’s harshest critics acknowledged it, but the nation’s sons spat on it, too drunk on their self-righteous venom.

In education? Nigeria has ripped the old rulebook. In 2023, the Student Loan Act was signed into law—an audacious leap toward democratising education. For the first time, children of farmers, traders, and artisans now have a gateway into universities, polytechnics, and colleges of education without fear of crushing tuition fees. 

As of 2024, the first batch of beneficiaries has received their loans under the Nigerian Education Loan Fund (NELFUND), breathing hope into homes where education once felt like a broken dream. Now, a total of 525,936 students have registered on the loan platform, with 445,015 applicants successfully applying for financial assistance, representing an 84% success rate for student loan applications under the scheme.

Meanwhile, the accreditation of degrees has also been digitised, with Nigeria becoming the first in Africa to automate this critical gatekeeping process fully. New private universities have sprouted like fresh shoots, expanding access and excellence, whilst Nigerian universities are climbing global ranks. 

They call for “change” yet campaign on the ruins of hope itself. They drape themselves in victimhood, seeking pity instead of respect. The so-called “obedient” torch-bearers, the tribe of Peter Obi, shout of patriotism while waltzing through global forums, slandering their homeland, reducing Nigeria, a giant stirring from slumber to the caricature of a failed state, just to score a few cheap political points.

Calling out leadership is democracy; Denigrating your nation is betrayal.

One builds; the other burns.

Nigeria does not need saviours who love her only when she shines. She needs sons and daughters who hold the line when the storms rage, who sing her greatness even when she falters, who plant seeds of hope, not thorns of despair, into her soil.

To those who mistake criticism for patriotism, remember:

The world does not respect nations that cannot respect themselves.

Call out your leaders.

Demand reform.

March for justice.

But never sell your mother for the price of your pride.

Because when the dust of time settles, and history opens her immortal ledger, it will not be your complaints she remembers, it will be your loyalty.

Oladoja M.O writes from Abuja and can be reached via mayokunmark@gmail.com.