OPINION
Democracy @ 20: High hopes as Buhari, Govs Take Oath of Office

By: Jude Opara
Nigerians are expecting a better delivery of democracy dividends, as President Muhammadu Buhari and 29 state governors take oath of office on a day Nigeria is marking is 20 years of democracy.
On May 29, 1999, Nigeria returned to constitutional democracy after a tedious military administration which had seized power and disrupted democratic institutions.
Before now, the country was having an interchange between the military and the civilians in the quest to administer the country.In 1993 the country had an election that was generally adjudged as the most peaceful before and it was presumed to have been won by philanthropist and businessman, Moshood Abiola.
But the military government of Gen. Ibrahim Babangida annulled the election.The heat generated by that annulment was one of the reasons Babangida who had always shifted the goalpost of the handover date quickly inaugurated an interim government headed by Ernest Shonekan in August 1993.
Just three months after, Shonekan whose government was powerless announced his resignation after the then Army Chief, Gen. Sani Abacha allegedly forced him to do so.
During the reign of Abacha from 1993 till his death in 1998, the country was under the stranglehold of one of her most brutal juntas. The ruthless General also incarcerated Abiola.
However, it was a new turn after the maximum leader died in 1998 and Gen. Abdulsalami Abubakar who took over gave a promise to return the country to a democratic rule in 1999. This promise he kept.
To kick start his transition programme, Abubakar registered three political parties which were, Alliance for Democracy (AD), All Peoples Party (APP) and the People’s Democratic Party (PDP) which gave birth to democratic governance in 1999.
So, the current democratic experience which is the longest uninterrupted so far began effectively when the mantle of leadership was handed over to President Olusegun Obasanjo by Gen. Abubakar.
It is our sincere hope and desire that the military boys have returned to their barracks for good.
So, 20 years after, we want to evaluate how the journey has been so far. The PDP took the first shot and ruled the country for 16 years before they were defeated by the All Progressives Congress (APC) in 2015.
The government started by purging the military when President Obasanjo retired all military officers who have been exposed to political offices. This indeed terminated the career of a generation of military officers; some of them were the finest at that time.
One intractable problem that has bedeviled Nigeria from inception is corruption. The government began a fight against the monster by establishing the Economic and Financial Crimes Commission (EFCC) and the Independent Corrupt Practices and other related offences Commission (ICPC).
Like every new broom, these agencies appeared to have been effective at the beginning until somehow they became the instrument of harassment and suppression of real and imaginary enemies of the government.
There was this hope of a new horizon when the country returned to constitutional democracy despite the fact that the president at that time was a retired military dictator himself. Nigerians had hoped that there will be a reversal of their dwindling economic fortunes, but 20 years down the line the standard of living has even continued in a downward slide.
The Obasanjo administration made some efforts in returning Nigeria as a global citizen with her involvement in many international treaties and conventions. His government also negotiated with the international donor agencies like the World Bank, the Paris Club as well as the International Monetary Fund (IMF) to offset the nation’s debts.
In the area of infrastructure, there were a lot of contracts awarded for the construction of roads and other projects but they were given out at highly outrageous rates with jobs delivered not commensurate with the money paid.
For instance, the construction of the Abuja National Stadium is said to have cost the country a huge fortune which if properly managed could have delivered three of the same quality project
In the electoral system the story has not been any different. Politicians were ready to do anything to win elections. Imposition of candidates and ballot box stuffing were and are still the order of the day.
During the PDP era, impunity was taken to a rather ridiculous level to the extent that the godfathers can give the party ticket to anybody they like whether such a person won the primary election or not.
The mantra then was do whatever you could to be declared the winner by the Independent National Electoral Commission (INEC), then the judiciary will be the next bus stop. The manipulation of the judiciary was the order of the day as in most instances, cases were delivered to the highest bidder.
In 2007, Nigeria conducted yet another election and shortly after his inauguration, late former President Umaru ‘Yar Adua had accepted that the process that led to his victory was faulty and he promised to do something about it.
Certainly, he did by setting up the Justice Mohammed Uwais Electoral Reforms Committee. That Committee recommended for electoral reforms aimed at giving INEC more latitude to organize free and fair elections across the country.
However, midway into his administration, President ‘Yar Adua died and his deputy Goodluck Jonathan was sworn in.
In 2011, President Jonathan campaigned and won election defeating current President Muhammadu Buhari. Then he ran a campaign based on the fact that he was from a poor background, many people bought into his story believing he will make things easier for everybody given his background.
But his government was largely criticized because of the high rate of corruption. Many people at the corridors of power easily helped themselves from the public purse.
The issue of the activities of the dreaded Boko Haram in the North East also took a dangerous turn as bomb explosions were happening just in days even in Abuja, the nation’s capital.
All these and many more real and imaginary reasons were capitalized on by the civil society organizations and the opposition All Progressives Congress (APC) which was an amalgam of some political parties for the sole purpose of capturing power to run down the government.
For instance, in 2012, the government attempted to increase the pump price to N140 naira to cushion the effect of the fuel subsidy, the CSOs and the opposition party took to the street to protest. They claimed that there was nothing like subsidy, describing it as a scam. The Jonathan administration buckled and returned the price to N87 naira.
So, in 2015, many analysts were not surprised when the incumbent president was defeated by his challenger. This is because a lot of people had had the notion that the country needed a change and the person of President Buhari well fitted in.
President Jonathan, who had always said his ambition never worth the blood of any Nigerian, equally surprised many especially his party members when he put a call across to Buhari to concede defeat. That singular action also saved the country a lot of stress because the tension in the country was at a fever high pitch.
Many analysts believed that the APC never believed that the former president was going to hands off so easily, so they were alleged to have prepared their supporters for a wild protest which may have turned violent.
President Buhari mounted the saddle with a lot of promise and the people in turn were also not in short supply of expectations and hope. The government during their electioneering campaign had promised a lot of things including payment of N5,000 monthly to all unemployed Nigerians, reduction of the exchange rate from a naira to a dollar, reduction of the pump price from N87 naira to about N45 naira, ending the Boko Haram madness within the first three months and many more.
But four years after, many Nigerians are yet to feel the impact of the government. Most of the promises have at best remained promises. In fact, some have been out rightly denied.
The exchange rate is now N360 to $1 dollar, the pump price instead of selling at N87 is now N145 naira.
While some of the abducted Chibok girls have been released, over a 100 others are still in captivity, just like Leah Sharibu of Dapchi school who was among the other set of school girls abducted under the watch of this present government is still in captivity after the freedom of her colleagues was negotiated.
The country has not fared better in any way including in the security situation because while we will agree that Boko haram has been pushed to Bornu state, other dare devil organizations have commenced the business of mass killings and wanton destruction of property. Today the killer herders and armed bandits are freely on the rampage, killing and abducting people with little or no hindrance.
The government seems to have lost ideas of what to do and perhaps that is why the clamour for at least the change of the service chiefs has been ignored. Today all over the country, people are living in fears and some ethnic nationalities have started threatening of defending themselves from any external aggression.
The mass killings by the herders in Benue state last year with one incident resulting to the mass burial of over 77 bodies will linger for a long time in the minds of Nigerians.
The country is today more divided unfortunately along the two dangerous lines of religion and ethnicity. This government may have inadvertently contributed to this by its actions and utterances earlier in their regime. For instance, shortly after his inauguration in 2015, President Buhari in an interview told a foreign television that he will not treat those who allegedly gave him 97% and 5% equally. While those who believe he was right rose to support him, those who differed said it was unnecessary for a sitting president to so classify his own people.
Suffice it to add that the government must be seen to be fair to all manners of Nigerians irrespective of their creed, ethnicity and orientation. The idea of treating some people with kid gloves while others are given the sucker punch will not help us. One can easily remember the seeming pat on back to the Arewa youths who audaciously gave Igbos living in the North a quit notice as well as the activities of the killer herdsmen are being justified by the body language of the government, while the secessionists Indigenous People of Biafra who are only carrying flags were quickly branded as terrorists.
Unemployment and hardship are now bedmates of most Nigerians and the ugly result is the high rate of suicide among the citizens at all levels and strata. Many people are confused and ready to take any rash action at the slightest provocation.
So as the President takes his second and final oath of office, he should begin to think of how to solve of some of these problems especially those that bother on national security and the standard of living.
The Social Investment Programme (SIP) which the administration launched before the 2019 elections has been variously described as a failure as little or no impact have been felt of the hundreds of billions of naira budgeted for that. No other personality than the First Lady, Aisha Buhari only this week cried out that the programme has failed especially in the Northern Nigeria.
The Buhari administration and the 8th National Assembly had at best functioned in a cat and mouse relationship with accusations and counter accusations of sabotage every now and then. It came to a head last year when the men of the Department of State services (DSS) sealed off the assembly, locking legislators, staff and visitors out.
Despite the fact that both the outgoing Senate President, Bukola Saraki and Speaker of the House of Representatives, Yakubu Dogara were members of the APC by the time they were elected, the leadership of the party did not welcome them and hence the barrage of attacks and court cases that followed. This also forced the duo to decamp to the PDP later on.
The incident which happened when the President was away on medical trip hugely embarrassed the country as the local and international channels beamed the development live. The then Director General of the DSS, Mamman Daura was forced to resign as an aftermath of the power play that emanated from that inglorious outing.
The government should this time try to operate in harmony with the leadership of the 9th National Assembly. We also hope they succeed in getting their preferred candidates, Senator Ahmed Lawan and Hon. Femi Gbajabiamila elected as Senate President and Speaker of the House of Representatives respectively.
The President has promised to change his style; we hope the change will be a positive one. To start with, immediately after the inauguration today, we expect to see the list of ministers as soon as the 9th Assembly is inaugurated in June. Nigerians will not accept the long wait of six months it took before the out gone ministers were appointed.
As a leader, the President should also devise other ways of getting information of the real situation in the country because it appears that most of the people around him only tell him things that will make him believe that all is well.
Importantly, President Buhari has said he believes Nigeria needs to practice True Federalism; it is expected that he puts flesh to the skeleton of the verbal pronouncement by initiating a bill to the National Assembly to make the necessary constitutional amendments.
I have said it severally that without True Federalism Nigeria will not likely improve on her development. This is because the unitary system we are operating at the moment is not helping us. At best what we are doing is motion without movement.
We must practically move away from the mono economy we are operating. Oil alone cannot continue to carry the country while elsewhere in Zamfara people are freely mining gold and the government looks the other way. Nigeria must allow each component unit or state to operate a level of autonomy that will help them take certain responsibilities.
Finally, the APC as the government in power must begin to drive some of the changes, they promised Nigerians in 2015, this the President is expected to champion because what has happened so far is a far cry from what was promised.
For example, the level of impunity exhibited by the APC in the last general elections must have even dwarfed whatever the PDP did on the scale of infamy. Today the ruling party has lost all elective positions in Rivers and Zamfara States including the national and state seats because they simply failed to adhere to their own guidelines.
The report of the Uwais Commission which recommended that the chairman of INEC and other board members should be appointed by the National Judicial Council (NJC) instead of the president.
Today it is the president that usually appoints the Chairman, the National Commissioners as well as the Resident Electoral Commissioners of the commission. INEC as presently constituted will most likely continue to do the bidding of politicians especially the ruling party and the appointing president.
An example is due to the ease of manipulation by any sitting government; in 2001 it did not take the then government of President Obasanjo to get the amendment of the Electoral Act ahead of the 2003 elections. Prior to this time, the presidential and national assembly elections used to come last but it was changed to be the first to be conducted.
Indeed, that change was selfish because the president and the members of the national assembly reasoned that if the state governors should win their election first, they may truncate their own election.
President Buhari can and still has the opportunity to write his name in gold by using the last four years which starts today to conscientiously move Nigeria forward.
He should look for competent and quality men and women to man the ministries and not necessarily party men who may add little or nothing to the growth of the nation.
OPINION
This Trial of Oloyede
By Tunde Akanni
It’s been traumatic for my entire family since that video started making the rounds. I sneaked a slight view… It’s our trial. It’s my trial. Oloyede is genuine. He is most sincere. He is modestly so, as well. For us, however, Allah knows best.
I was with a trader in the afternoon of what I considered a dark Wednesday, the 14th of May. “Se bi won ni JAMB o get mo bayi…”. I had to cut in immediately. Which JAMB? “Madam, that’s one person I will vouch, and vouch for…zero tolerance for corruption. Absolutely responsible with a high level of consciousness for the good of others. If certain things went wrong at JAMB, I agree it’s his responsibility to carry all pleasant and other burdens but just know that the bad side of the operations may as well be sabotage. I have absolute trust in that man. Ask my own colleagues about me, but Oloyede is my own hero, somebody I have known for more than 40 years…”This is by no means a reductionist disposition to the tragedy induced by the so-called computer glitch. May the Almighty God in His infinite mercy console the parents of the candidate reported to have committed suicide. May God strengthen them to survive this gloomy phase of their lives and sustain them to reap bountiful compensation that will endure in their lives. It’s hard, so hard to pull tragedies of this magnitude. I personally feel for these parents.The said computer glitch, may we never fall victim to it. Those who work for big organisations requiring a large layout of ICT operations know what I’m talking about. Rather than being ‘solutional’, IT facilities can be unimaginably problematic sometimes, yet indispensable in this civilisational dispensation. This is not doubting deliberate sabotage, as may have happened in the case of JAMB. I’ve been part of Oloyede’s JAMB journey to attest to his commitment to offer his best for the otherwise sinking board.Far from being cosmetically exhibitionist, the Oloyede-led JAMB team, led by the Education minister, Tunji Alausa, went round the critical facilities of JAMB during the just concluded examination. Alausa saw, firsthand, like never before elsewhere in this country, how far JAMB had gone in its strive for transparency and the real-time monitoring of the conduct of examinations nationwide. Alausa, beyond being in awe, sought to make the JAMB effect spread immediately to other examination bodies.No be dem say, same day, the WAEC team came to JAMB and made it into the situation room, which was my own duty post. The NECO team followed suit afterwards, both duly led around by the sturdy lead IT consultant who’s been reliably there from Oloyede’s assumption of duty, Damilola Bamiro. Far richer, given that they charge more for their exams, the duo of WAEC and NECO were suddenly mandated to understudy the examination sector leader in Africa that JAMB has become over time.The staff of both WAEC and NECO suddenly had to undertake a professional excursion led through all the real time monitoring screens and other digital facilities. It was obvious they marvelled at what they saw, revealing a functional leader-subordinate synergy manifest with trendy output that the world can see and learn from.But that may even seem like the tip of the iceberg of the output of the hard work and commitment of the nation’s foremost icon of integrity in public service. A series of far more seemingly serious strides had been accomplished by Oloyede at JAMB. As a focused scholar, he keeps ensuring that every bit of the experience of the Board is treasured as worthy data to guide future actions and even subjects for further research.Not even the agencies dedicated to emergency matters in Nigeria could have been as prompt as the Oloyede management on this ugly glitch saga. Once the complainants began ventilating into the public space, JAMB rose to the challenge without any predictably traditional arrogant stance of government is always right. I was aware that a particularly strident public critic and a former students’ leader at Obafemi Awolowo University, Adeola Soetan commended the spokesperson for JAMB for the excellent handling of public complaints.Promptly, an independent team of investigators was set up to unravel the mystery leading to the rather depressing situation that now confronts us. The team, drawn from assorted but technically relevant constituencies, has found out that no fewer than 165 centres of over 800 examination centres nationwide were affected.Obviously well prepared for whatever the outcome may turn out to be, he braced up to the challenge to embrace the surrender value to tell it to the world as it is. This trial is for all of us who believe and trust Oloyede. I am in this group. So much so that his public cry infected me…It was a patriot’s cry for his beloved country. Like me, a former Law don at LASU, Dr Kilani wasn’t any less affected as demonstrated in a quick note to me: “I write to associate myself with the pain, sorrow and emotion of our own Professor Oloyede. I could not hold my tears seeing him cry. May Almighty Allah see him through. May we all not be put to shame…”But then came a soothing message from Gbade Osunsoko, my cousin: “…He will come out of this much stronger because Nigerians will trust him far better than a number of our leaders.. A man that makes mistakes happens under him and takes responsibility – it’s a big deal in Nigeria.”With Oloyede, young Nigerians with challenges regarding sight are no longer left to moan their fate endlessly, with adequate provision for their inclusion in the UTME. How many of our public facilities are this inclusion conscious as stipulated by SDGs? How come a legacy built through almost a decade at the very best cost ever possible will be made to crumble when the game changer leader remains ever modest? JAMB has steadily risen through thick and thin to accomplish its tasks to the admiration of stakeholders, nationally and internationally, under Oloyede. Both NNPC and the Nigeria Police, being beneficiaries, can attest to the current competence of JAMB. How many other numerous stakeholders nationwide never deemed to have any relevance to JAMB before Oloyede but have since become critical, if not indispensable players?But why does this sudden saddening encounter threaten our joy of service without blemish? Why this unforeseen truncation of a good story, so intentional, coming from Africa? Whodunnit? Surely the truth shall come out for the world to perceive and assess and get to appreciate the efforts and the quantum of commitment appropriated to the JAMB excellence project driven by Oloyede.One cannot but be deeply concerned. Before the very eyes of a few of us carefully selected to give support from our respective professional perspectives from the very beginning, Professor Oloyede’s concern for genuine growth and development was real. It is still real and increasingly so, as a matter of fact. Indeed, inimitable. It shall be well.Tunde Akanni is a professor of Journalism and Development Communications at the Lagos State University, LASU. Follow him on X:@AkintundeAkanniOPINION
Democracy, Institutions, and the Rule of Law

By Kator Ifyalem
Democracy, often hailed as the cornerstone of modern governance, is a system that empowers citizens to participate in the decision-making processes that shape their lives. However, the mere existence of elections is not enough to ensure a fair, just, and prosperous society.
Without robust institutions, the rule of law, and ingrained values, democracy can become a hollow shell, susceptible to corruption, manipulation, and eventual collapse. At its core, democracy is built on the principle that power resides with the people. This power is exercised through fair elections, where citizens choose representatives to govern on their behalf. The effectiveness of this system relies heavily on the strength of supporting institutions, adherence to the rule of law, and shared values that guide societal behaviour.Institutions serve as the backbone of a democratic society, translating the will of the people into action. These include governmental bodies such as the legislature, executive, and judiciary, as well as independent organizations like electoral commissions, anti-corruption agencies, and human rights commissions. These institutions provide checks and balances, ensuring that no single entity or individual can accumulate too much power. They create a framework for accountability, transparency, and effective governance.An independent judiciary is crucial for upholding the constitution and protecting individual rights. Without it, laws can be manipulated or ignored by those in power, leading to tyranny. Similarly, a free and independent media acts as a watchdog, informing citizens and holding those in power accountable. When media institutions are weakened or controlled by vested interests, the flow of information is compromised, and citizens are unable to make informed decisions.The rule of law is another critical component of a functioning democracy. It ensures that all citizens, regardless of their status or position, are subject to the same laws and legal processes. This principle is fundamental to creating a fair and just society where everyone’s rights are protected. A robust legal framework, consistently and fairly enforced, provides the predictability and security necessary for social and economic development. It protects property rights, enforces contracts, and creates an environment conducive to investment and growth.Moreover, the rule of law is essential for protecting minority rights and preventing the tyranny of the majority. In a true democracy, the rights of all citizens must be respected, even if they are not part of the ruling majority. This protection is enshrined in laws and enforced through effective legal institutions.Values form the third pillar of an effective democracy. These shared beliefs and principles guide societal behaviour and inform policy-making. Democratic values include respect for human rights, tolerance of diversity, commitment to justice, and belief in the equality of all citizens. When these values are deeply ingrained, they act as a safeguard against authoritarian tendencies and help preserve the integrity of democratic institutions.For instance, a healthy democracy can be likened to a three-legged stool, where institutions, the rule of law, and democratic values form the legs. Just as a stool cannot stand stably without all three legs being strong and balanced, a democracy cannot function effectively if any of these elements is weak or missing. In Nigeria’s case, we’ve seen how weaknesses in one area, such as institutional challenges in election management, can put stress on the other legs, requiring the judiciary (rule of law) and civil society (democratic values) to bear more weight to maintain stability.Education plays a crucial role in instilling these values. A well-informed citizenry, aware of their rights and responsibilities, is better equipped to participate meaningfully in the democratic process. Civic education programs that teach the principles of democracy, the importance of institutions, and the value of the rule of law are essential for creating engaged and responsible citizens.The interplay between institutions, the rule of law, and values creates a self-reinforcing cycle that strengthens democracy. However, this cycle can also work in reverse. Weak institutions often lead to a breakdown in the rule of law, eroding democratic values and further weakening the system. This negative spiral will ultimately lead to the collapse of governance, even if the outward trappings of democracy remain.To prevent this decline, concerted effort is required on multiple fronts. Institutional capacity must be built and maintained through adequate funding, training, and support. The rule of law must be consistently enforced, with mechanisms in place to address corruption and abuse of power. This requires not only strong legal frameworks but also a commitment to their implementation.International cooperation also plays a role in strengthening democracy. Countries learn from each other’s experiences, share best practices, and provide support for development. However, it’s crucial to recognize that democracy cannot be imposed from outside; it must be nurtured from within.True democracy requires more than just the act of voting; it demands a comprehensive system of governance that respects the rights of all citizens, upholds justice, and promotes the common good. Strengthening these fundamental pillars (institutions, the rule of law, and values), is crucial in building more resilient, effective, and truly representative democracies that serve the needs of all citizens and contribute to global stability and prosperity. Where does Nigeria as a nation stand on this scale?OPINION
Reshaping Nigeria’s Student Loans for Inclusive Access

By Tosin Kolade
In June 2023, President Bola Tinubu signed the Student Loan (Access to Higher Education) Act into law, marking an important step forward in the country’s approach to financing tertiary education.The initiative was designed to provide interest-free loans to students in higher institutions, thereby expanding access to education for financially disadvantaged youth.
However, nearly two years on, the scheme’s implementation remains burdened by challenges, prompting growing concern and debate among stakeholders. In response to criticism of the original law, the Federal Government repealed and re-enacted the Act in April 2024.The revised legislation established the Nigerian Education Loan Fund (NELFUND) as a corporate entity responsible for managing and disbursing the loans.Notably, the amended version eliminated restrictive eligibility criteria such as income thresholds and guarantor requirements.It also extended the scheme’s coverage to include students enrolled in government-accredited vocational training centres.To streamline access, the application process was simplified, requiring only a valid National Identification Number (NIN) and Bank Verification Number (BVN).Hence, all submissions were made via the NELFUND portal.In spite of these improvements, the scheme has continued to attract criticism.One of its most vocal opponents is the Academic Staff Union of Universities (ASUU).In a recent interview with a national daily, Dr Mwolwus Jurbe, Chairman of ASUU’s University of Jos chapter, outlined the initiative as “fundamentally flawed”.He argued that the scheme was unlikely to benefit its target groups, especially students from low-income families.“The scheme is pushing education out of the reach of the common man,” he said.Jurbe said that, amid high unemployment rates and soaring tuition fees, expecting repayments from indigent students was unrealistic.ASUU also raised alarms over reports that TETFund allocations might be redirected to fund NELFUND.The body warned that dismantling a functional funding mechanism in favour of an untested alternative could jeopardise the future of tertiary education in Nigeria.Meanwhile, the National Association of Nigerian Students (NANS), while generally supportive, has also expressed reservations.The association acknowledged the potential of the scheme to reduce dropout rates, but emphasised that the absence of scholarships or grants rendered it incomplete.NANS President, Comrade Olushola Ladoja, condemned the alleged mismanagement of NELFUND, calling for the dismissal of implicated officials and the publication of the 51 tertiary institutions reportedly involved.“Any vice-chancellor, rector or provost found culpable in the mismanagement of student loans must be removed from office.“Their actions sabotage the Federal Government’s effort to make education accessible to all,’’ Ladoja said.He urged Tinubu to probe the reported diversion of N71.2 billion and criticised NELFUND for excluding the national student leadership from key stakeholder engagements.Additionally, NANS called on the EFCC and ICPC to investigate the matter and advocated for a five-year post-NYSC loan repayment grace period, citing the employment difficulties faced by many recent graduates.Civil society groups have also raised concerns.The Education Rights Campaign (ERC) described the initiative as “badly thought-out, ill-conceived and fundamentally unworkable”.Hassan Soweto, National Coordinator of the ERC, lamented repeated delays in the loan rollout, calling it evidence of poor planning and political inertia.“It is a national embarrassment that almost a year after the law was signed, students are still waiting for funds,” he said.Worthy on note, trust in the scheme further eroded in August 2024 when it was revealed that no tertiary institution in the South-East had been included in the first phase of disbursements.Reacting, the Concerned Igbo Stakeholders Forum (CISF), led by Chukwuma Okenwa, condemned the omission as a deliberate act of marginalisation.Okenwa argued that excluding an entire geopolitical zone from a national programme violated the federal character principle.Although NELFUND claimed South-East schools had failed to respond to verification notices, the CISF rejected this explanation, insisting that at least one compliant institution should have been selected.Similarly, the Corporate Accountability and Public Participation Africa (CAPPA) expressed concern over NELFUND’s plan to limit eligibility to students in “high-demand” disciplines.Zikora Ibeh, CAPPA’s Senior Programme Manager, warned that the policy could marginalise students in the humanities, arts, and social sciences.“This approach risks deepening inequality by denying support to students whose fields may not be seen as immediately profitable but are crucial to national development,” she said.Also, controversy followed the announcement that the EFCC had donated N50 billion in recovered funds to the loan scheme.A Legal expert, Nnaemeka Ejiofor, cautioned that while well-intentioned, the EFCC lacked constitutional authority to reallocate recovered public funds without National Assembly approval.“Such actions, no matter how well-meaning, set a dangerous precedent,” he warned.Meanwhile, fee hikes across federal and state universities have exacerbated the financial burden on students and their families.In some cases, tuition fees have surged by as much as 1,000 per cent.A University of Lagos student, Michelle Njemanze, shared that her tuition rose from N16,000 to N196,000 in a single academic session.For many, the student loan scheme remains a promise yet to be fulfilled.Although the Tinubu administration allocated N200 billion to the scheme in the 2024 budget and appointed banking executive Jim Ovia as chairman of the NELFUND board, disbursement delays continued well into May 2025.In response to growing dissatisfaction, NELFUND recently announced a major overhaul of its application system.NELFUND Chief Executive Officer, Mr Akintunde Sawyerr, recently revealed that the agency was deploying a fully digitised, user-friendly platform to streamline the loan process and eliminate bureaucratic delays.“Education is a right, not a privilege; with this technology-driven model, we are establishing a transparent and efficient system that puts students first,” he said.Sawyerr added that the reforms aligned with Tinubu’s Renewed Hope Agenda, which prioritised educational access and youth empowerment.According to him, more than 320,000 students had already benefited from the scheme, with thousands more undergoing verification as operations scale-up.Looking ahead, NELFUND also plans to integrate its systems with institutional portals across the country.This collaboration aims to enable seamless data exchange, automate student record verification, and speed up loan processing.While recent reforms are encouraging, experts insist that sustained political will, transparency, and inclusive policies are essential to realise the full potential of Nigeria’s student loan scheme.They agree that, in theory, the loan scheme offers a vital opportunity to democratise access to higher education in Nigeria.In practice, however, its rollout has been hindered by legal ambiguities, implementation delays, and regional inequities.If these challenges remain unresolved, experts warn, the scheme may end up widening the very educational gap it was intended to close. (NAN)