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A Nation in Search of Hope

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By Reuben Abati

 “Where have you been, you this guy?”

“Omo, I no go deceive you. I just meet this girl wey dey turn my head. Shey you know, I no go deceive you. You don’t need to die to discover Heaven. Heaven is right here on earth, except you have not been lucky to discover it.

This my new babe hen, I am convinced that she descended from Heaven at a special moment of the Lord’s intervention.

“I hope nobody has given you vegetable to eat. You sound like you are under a spell. I asked you where you have been and all you are telling me is how you met a girl as if you are in a trance. Well, I must assume you are talking about your wife.”

“Which wife? That one? You don’t get it.

“I don’t. Whatever has come over you, I pray in the name of the Lord Jesus will leave you. Because I don’t know why men will see danger and embrace it with their full chest.”

“Leave matter. Don’t pastors also see women they love and desire, and they keep their Bible aside and obey the call of flesh, the evidence of their eyes and submit themselves to their own humanity and nature? Leave matter.”

“So, when are you going to introduce me to this your new woman that you are so ecstatic about? What is her name? When do I get to meet her?”

“Whenever you want to meet her. Almost a virgin. Fresh. Innocent. Her name is Chidinma.”

“Yeh! Blood of Jesus! Blood of Jesus!”

“Are you alright?”

“What did you say her name is, just now?”

“Chidinma.”

“Oh Jesus! Ore, why are you doing this to yourself? You wan die? One Chidinma has just been paraded by the police in Lagos in a homicide case. She has been accused of killing one of your type, a successful young man with a great future, an entrepreneur with skills and talent, who gave access to a young woman, and ended up dying through her. Such a tragic story, such a sad event, it should make every man run away from any woman that bears the name Chidinma.”

“Are you okay? Are you listening to yourself? You run the risk of group defamation. Every Chidinma in Nigeria should sue you, individually and collectively.”

“Na you sabi. I beg. I am speaking for myself. Since that tragedy was reported, I have been thinking of the pains of Michael Usifo Ataga’s family. He was someone’s son, cousin, brother, husband and a father too. He had a whole world ahead of him. It was even a day to his birthday. His family was looking forward to celebrating him at 50. And then the devil showed up in the shape of Delilah, Cleopatra and Helen of Troy, and destroyed him. I feel the pain in my bone marrows. These days, when I hear the name Chidinma or Adaora, I break out in sweat.”

“You see, this is the problem with you people. You like conspiracy theories. So, because one Chidinma committed a crime, every Chidinma has now become a villain. For your information, Chidinma means “My God is beautiful”. And Adaora means “the daughter of all,” that is the people’s daughter. What is in a name? When a crime is committed, it is for the police to do their work, and ensure justice. The case you are talking about has nothing to do with the name of the suspect. Candidly, I no longer understand how people reason in this country. Is it the poverty? Or the bad politics?”

“After what happened last week, if I hear Chidinma or Adaora, na race be that oh. A girl of 21 years, going out with a man of 50, and yet she killed him in such a gruesome manner. The whole story does not even make sense to me. It does not add up. It is a story about poverty, greed, peer influence, drug abuse, parental upbringing, infidelity, and frustration. Yes, every man should be careful and avoid an amoral life, but that is no reason why the Chidinma, undergraduate of the University of Lagos should kill, drug, tie up and destroy.”

“What if you hear Mary? You go run?”

“That is my mother’s name. Don’t bring my mother’s name into this matter.”

“You see yourself then? Are you aware that the alleged murderer had a fake identity with the name: Mary Johnson? Will you now start running away from every Mary? What has happened is not funny? Nigerians should stop misbehaving, creating all kinds of theories and misinforming people. In case you don’t know, the Ataga family has issued a statement, appealing to the public to stop turning a family tragedy into a material for malice and mischief. I think their feelings should be respected. The police should be allowed to do their work. All self-appointed detectives should be told: Enough! And that should be enough”

“Since you know all of that, then people like you should learn your lesson. Stay with your wife. If you must have a girlfriend, then Know Your Customer. It is called KYC. Stay away from girls from problematic backgrounds. Don’t get carried away by young girls with so-called innocent looks. Mata Hari had innocent looks but she was evil. Every femme fatale is a vamp. Delilah. Helen of Troy. Cleopatra. And above all, don’t play around with drugs.”

“Thank you, preacher. Let he who is innocent cast the first stone.”

“Very sad the way tragedy occurs in this country unabated. It can get to somebody, you know, and it is beginning to get to me. I was reading the newspapers the other day, just going through an accumulated pile. I was depressed. If Chidinma is not murdering Michael, Maryam is killing Abubakar, Funke kills Femi, one husband kills his wife because of N2,000, one fellow accuses his mother of being a witch and decides to kill her, a jealous step-mother throws her stepson into a well, someone abducts another man’s wife and rapes her for five months, herdsmen kill farmers, farmers kill cows and herders and their kinsmen, a group of avengers claim they will ensure the permanent recession of Nigeria and humiliate the government, some other groups want to secede… Is there hope? Tell me, where does our hope lie, those of us who fought for this democracy? Can someone help me make sense of this unending deluge of sad news?”

“Oh come on, there is hope. This is the way it has always been with Nigeria since independence. Things go wrong. But just when you think the country will collapse, it suddenly bounces back. What we need is love. Unity. Understanding. The problem is that too many of our people are quick to imagine the worst. But I can tell you, Nigeria will survive.”

“But some prophets have said the country will break up. I know one or two pastors who insist that Nigeria has come to an end.”

“You must stop listening to those spellbinders, futurologists and shamanists. Most of them do not know what they do.”

“It is the word of God. Can’t you see the signs?”

“What signs?

“Are you not aware that a group of Southern and Middle Belt leaders have approached the African Union, the UN, the World Bank and the IMF that they must no longer do business with Nigeria, and must never give the country any loan, because the sovereignty of the country is now being disputed?”

“Don’t worry yourself. Nothing will come out of it. I can assure you that all of those institutions you have mentioned will continue to do business with Nigeria and even grant more loans.”

“But what of the restive youths of the Niger Delta who are threatening to humiliate the entire country? There is Operation Humble by the Niger Delta Avengers, which is even led by a woman, former Field Commander of Operation Red of 2016 now Brigadier General Tu-ere, also known as Queen of the Creeks. A woman! There is also the Reformed Niger Delta Avengers, leading Operation No Mercy Alpha Piper Zero Oil. We also have the Niger Delta Liberators. They all want to cripple Nigeria.”

“No worry yourself. Na today?”

“There are separatist groups everywhere. In the East. In the West. In the South South.”

“Na so e dey be any time a major election is around the corner. Everything na hustle. Nobody dey go anywhere. Is it not this same Nigeria all of us dey inside?”

“I think it is different this time around. People are genuinely aggrieved and upset. Nigeria is at a breaking point. You make everything sound so light.”

“Too much grammar. That is our problem. And I keep saying do not focus on the moment, do a trend analysis of Nigerian politics over the years. When people need something, they will make noise, agitate, threaten to pull down the roof but when you speak to them in the language they understand, they will calm down and Nigeria will move on.”

“Of course. That is exactly how Nigerian leaders keep postponing the evil day until one day, monkey will go market he no go return. This is the root cause of the civil war, the June 12 crisis, the menace of military autocracy, the #EndSARS protests, the thinking that some people can seize the reins of power and treat the people shabbily, refuse to listen to them and simply assume that nothing will happen. But I think we are dealing with a new Nigeria. There is a new generation that has emerged that can no longer be taken for granted the way their parents were. They are fighting back in all ways, from rented slaughter beds, short-time joints, to the streets.”

“That is what you think.”

“That is what I know. The dynamics have changed. This new generation is on drugs, they are high on all kinds of substances, they don’t care, they are not afraid of any authority figure. On top of it all, they are educated and outspoken, and they have access to technological means of instant communication. My advice is that the political elite should stop daring them. They will kill and maim, and look innocent. Nigeria has created demons, waiting to strike.”

“Can I make some predictions?”

“I thought you just condemned prophets and pastors a while ago.”

“Yes, I did. But I want to speak as a pragmatist. Stop giving yourself hypertension. Nigeria is this. Nigeria is that. For example, have you not seen the desperation with which politicians have been fighting over party primaries in all the major political parties in Anambra State? The desperation. The theatre PDP, APC, APGA. Does that give you the impression that everyone has given up on this country? No. All the gladiators have followership. They are all convinced that there is still something of value in this country. After their crisis-ridden political primaries, they have all rushed to Abuja to take instructions from the centre.”

“The Igbo political elite do not represent their people.”

“Who told you that? So do the Yoruba or Fulani political elite represent their people?”

“I don’t know.”

“My friend, wake up. Stop getting sick over Nigeria’s problems. Spread love. Get yourself one young girl who can make you happy, and drive away your sorrows.”

“God forbid. I choose to be on the level.”

“Everything God. God. Have you forgotten that everything good and ugly, the Lord makes them? It is the way of the universe. It is the way the Grand Architect has made it all.”

“No. I am okay. And you have not answered my original question before you went off on a tangent about how Nigeria is in a safe and secure place and how the obvious signs of implosion mean nothing to you.”

“What was your question again?”

“Is there something to hope for? I no longer feel safe in this country. I can just pack my bags now, take my children and relocate to Canada with all my frustrations! Arrrgh!”

“And I told you to stop panicking.”

“When even a nationalist and stateman like Baba Olusegun Obasanjo is panicking. He says population explosion is a ticking time bomb in Nigeria. By the year 2050, Nigeria could be the third most populated country in the world. A time could come when Nigeria could be the country with the largest population. Imagine the crisis that will occur. There will be an explosion of poverty, criminals, separatists, decayed infrastructure and too many useful idiots in high and low places.”

“Are you sure the former President made that statement?”

“Yes. He was very factual, analytical and on point. Brilliant submission, as always.”

“Of course. But I recall once reading a book by the same Baba Obasanjo in which he listed his biological and adopted children. I believe I saw more than 20 names, his direct personal contribution to the Nigerian population, not to add an emergent family tree that includes grandchildren and great grandchildren. Baba is my role model. I will like to be like him, and when we get to that stage, can we then discuss the population of Nigeria?”

“You always like to twist people’s thoughts.”

“Listen to me, don’t let anybody give you headache in this country. Get smart. Niger Delta Avengers claim they will humiliate Nigeria. I hope they have heard that electric cars are now in Nigeria, even at the University of Lagos, and that the same Nigeria has accidentally discovered about 206 trillion cubic feet of gas reserves in addition to another 600 billion cubic feet. Accidentally! And the man that disclosed that information is a son of the Niger Delta, Minister of State, Timipre Sylva”

“The gas belongs to the people of the Niger Delta. That is the elephant in the room. The accidental discovery does not change anything.”

“You still don’t get the language. Okay. Okay.”

“Nothing is okay”

“Okay then.”

Reuben Abati, a former presidential spokesperson, writes from Lagos.

OPINION

This Trial of Oloyede

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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:@AkintundeAkanni

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OPINION

Democracy, Institutions, and the Rule of Law

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Quest For Enduring Democracy in Nigeria
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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?

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OPINION

Reshaping Nigeria’s Student Loans for Inclusive Access

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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)

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