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Between Gov. Bello and Engr. Wada

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By Valentine Opaluwa

Between the two major contenders for  the November  16th Governorship election in Kogi State there is every need for objective analysis and assessment of the candidate of All Progressives Congress (APC), the incumbent Gov’, Alhaji Yahaya Adoza Bello.

and that of Peoples Democratic Party (PDP), Engr.
Musa Wada from the positions of strength and weaknesses because both candidates are clearly the leading hopeful in the run up to the election.

Looking at  Govr, Yahaya Bello the APC candidate from position of strength is the incumbency factor which confers on him an advantage.

More so, that the ruling party at the federal level is APC.

GYB as a sitting governor has the privilege of the support of all or most of the political appointees like  commissioners. special advisers, board  members at Federal and  state levels, the local government chairmen in the state and of course, the legislative arms both at the National  and the State Assemblies, where 25 members are of  the ruling party.

There is also a strong notion among some APC members that “federal might” would be deployed to aid APC and GYB to win the election and secure a second term in office by all means. Therefore, GYB can be considered as a strong candidate given the apparatus at his disposal and his capacity to use his foot soldiers who are already brewing for political thuggery and brigandage.

In fact, spectacularly political office holders are desperate and like they did in the last general election, they may also carry A.K. 47 and other arms to influence the outcome of the election in favour of GYB, the “White Lion”. Also GYB as sitting governor has a large purse therefore has plenty of resources to throw around in other to curry support of some people and do vote buying if possible.

On the other hand, Engr. Musa Wada, the candidate of the Peoples Democratic Party (PDP), position of strength lies in the fact that the party has been dominant in the state and produced the governors since 2003 until 2015 when it lost the baton of leadership in a very controversial way to Governor Yahaya Bello of APC. Therefore, the party has strong political structure across the 21 local governments area in the state.

Another position of strength for Engr. Musa Wada is that he does not have any political baggage working against him ;he has no corruption case hanging on his neck as a retired civil servant.

Also before he ventured into politics, he was  well known by many people in the state especially in Kogi East where he hails from and given the circumstances that surrounded his emergence in the PDP primary election he does not have a known political godfather that can impede on governance of the state if he is  elected. Another strong factor in favour of his candidacy is the fact that Engr. Wada is well educated and has vast knowledge of administration coupled with the fact that he is known to have unquenchable desire  to render service to the people for some times now there, his emergence on the political soup opera is not accidental.

He is from Kogi East where the bulk of votes for Kogi State governorship reside and lastly which by no means the least, is that GYB’s administration is acknowledged to have received huge fund from the federal government in the name of Bailout fund, Paris refund, Infrastructure fund, Ecological Fund and Internal Generated Revenues yet the civil servants, teachers and pensioners in the state are owe salaries for months, some for more than 30 months and in the same vein, the government has not completed any infrastructural projects a side from the Revenue House in Lokoja.

In fact, since he came into office about four years ago, President Muhammadu Buhari or Vice President Prof. Yemi Osinbajo have  never commission any project executed by the All Progressives Congress (APC) led administration of Govr. Yahaya Bello. This is a source of strength for Engr. Musa Wada of the Peoples Democratic Party (PDP).

Now what are the weaknesses of  Governor Yahaya Bello as the incumbent governor of Kogi State? Even though,  Bello inherited an outstanding salary of two months owe the state civil servants by his predecessor, Capt Idris Wada.

Graciously, President Muhammadu Buhari upon assumption of office met this debt burden across the states. Many governors were owing workers salaries as delicate as the issue of workers salary is to the economy and well-being of the citizens. Let call it Buharinomic, bailout funds that were secure for the states made it possible to overcome the challenges of payment of workers salary every month.

Alas Kogi State government under Govr. Yahaya Bello was receiving the bailout fund but was not paying the workers adequately and promptly and in some cases no payment at all. In the name of screening exercise, he oppressed the civil servants, teachers, pensioners and of course the good people of Kogi State. Conducting screening exercise to weed out ghost workers is a noble idea but it was done in a shady manner with a pre – conceived mind.

Kogi State became notorious  place of attention, as the workers cried out, some of them committed suicide; a Director Mr. Soje hung himself and the reason for the act was that he could not fend for himself and family because he was not receiving salary. There were those who died in the course of traveling to Lokoja for the screening exercise that was simply a conduct pipe and tool of oppression and denigration of Kogi State workers and people.

Secondly, despite the huge resources that Govr. Bello has received from the federal government he has not executed  infrastructural projects like roads, housing, or venture into solid minerals that is scattered across the state, education has not fare better. GYB was ensued in bitter acrimony with  lecturers at the state owned  University in Anyigba. He did the unthinkable by proscribing ASUU, a power which was not his but needed to display arrogance. Many professors and senior lecturers left the citadel of learning which was once reckoned as one of the best state owned    in the country.

Thirdly, the populace groins in  pain and penury because most of them depended on salary paid their father and mother to go to school, to pay fees, to feed the family and provide health care services in the case of ill health. Some extended family members depend on their brother, sisters, sons and daughters to make end meet and take care of bills. The absence or inadequate salary makes it difficult for them to get the support and assistance they normally recieve from their family members, relations and friends.

Fourthly, Gov. Yahaya Bello belongs to the Ebira Okene ethnic group and since he came to power as a result  of the sudden death of Prince Abubakar Audu of blessed memory’ he has been trying to erase the foot print of his predecessors in different ways, the destruction of architectural master pieces in different roundabout in the  state were removed. He once ordered the arrest of Alhaji Mohammed Audu, the first son of late politician on thump up charges.

GYB did not hide his deep hatred and animosity towards Igala people. This can be easily be seen from his appointments.  As a matter of fact, key commissioners were only reserve for the Ebira and Okun people. Can you imagine this anomie in a state where the people of Kogi East, the Igala and the Bassa are clearly in majority, none was found worthy to serve as Commissioner for Finance, Commissioner for Works, Commissioner for Health, Commissioner for Local Government and Chieftaincy Affairs, Commissioner for Agriculture, the Speaker and the SSG are from Kogi West and impactful positions like SDG, Local Government Service Commission has not been occupied by an Igala man under GYB’s administration. Even though, for reason of survival some Igala youth are supporting his re – election especially the appointees and those he procured victory for in the State House of Assembly and those at the National Assembly. One good turn they say deserves another since personal interest is a strong variable in the whole gamut of politics.

However, they are very insignificant to sway majority of the votes from Kogi East for GYB who has treated the people of Kogi East so unfairly despite being the people that paved the way for him to become governor. Certainly it was not the Ebiras and Okun that gave him majority of the votes in the All Progressives Congress (APC) primary election in 2015 which he took second, and it was on that premise that he was nominated to replace Prince Abubakar Audu who was already cruising to victory in that election.

GYB has displayed crass ignorance of governance by choosing the path of oppression, dictatorship and pretentious hate for a section of the state. He is attempting to divide and rule the people of Kogi East, so as to incapacitate them politically but from all indication it is a mirage, because his supporters cannot give him up to 15% of the votes that will be cast in Kogi East in a free, fair and credible contest.

Fifthly, GYB does not have a grip on Kogi West Senatorial District where Senator Dino Melaye represents before court nullified his election on technical ground. At the moment two House of Representative seats that were deemed lost by the People Democratic Party (PDP) has been overturned by the Court of Appeal that of Honourable Shaba of Lokoja/Koton-Karfe Federal Constituency and HonourableTijani Yusuf of Kabba/Ijumu Federal Constituency.

Moreover, the appointees of GYB from Kogi West from the Secretary to the State Government, Speaker of the State Assembly, Commissioners and Special Advisers are not well known politicians who have  the people on their side aside Senator Smart Adeyemi, most of the experienced politicians that decide the outcome of election in Kogi West are in the Peoples Democratic Party (PDP), namely  Chief Shola Akomode, Gen. Jemibewon, Brig. Tunde Ogbeha among others.

While the weaknesses of Engr. Musa Wada are that he is a very independent minded person and would not have become the candidate of Peoples Democratic Party, if he does possess this attribute. He contested the PDP primary against all odds. He was persuaded by elders and younger men to step down for his elder brother, the former Governor of Kogi State, Capt. Idris Ichala Wada but he never budge, he was seeing beyond the request for him to step down.

Abubakar Ibrahim Idris, the son of former Governor of Kogi State, Alhaji. Ibrahim Idris was also contesting and had the support of his father-in-law, His Excellency, Ibrahim Idris, again he refused to succumb to pressure to step down. Engr. Musa Wada was not considered as a front runner in the primary election, but he was far ahead before the disruption during the last stages of the primary election.

In politics especially on our climes, an independent person is often seen as one who would not like to compromise thus supporting an independent minded person is not common. However, independent minded personality which appears to be a weakness in Engr. Musa Wada is a source of strength because an independent minded person is better for the people of the state than a yes man.

Again the fact that he is a younger brother to Captain Idris Wada the former governor some people are likely to see it as perpetuation of one family in power but that story is not flying among many people.  Given the way he emerged and the failure of leadership of the magnitude we are having in Kogi State getting somebody like Engr. Musa Wada is good omen, that the state can be in a safe hand who would be driven by people centred leadership to enhance genuine development. He has the capacity and characteristics to advance the cause of the state positively and he is seen as such a leader by many well meaning Kogite of different shades of opinion and persuasion as things stand.

He does not have the resources to withstand GYB in terms of money for the election. However, luckily for Engr. Musa Wada his campaign is more like a movement and volunteers are many because of the strong desire for change of government for the better. Even though money for logistics and so on and so forth is necessary, it has become people project and that means individual donations is now driving the campaign and you know PDP is behind Engr. Musa Wada in totality.

The power of the people to demostrate their will to get freedom from oppressive leaders, be it monarchy and dictatorship is legendry in human history and about to be repeated. This time, it is about revolting against a young leader who came to power through providence but instead disgrace the very people who are the very essence of political leadership and democracy.

Engr Musa Wada seeming weakness has been eroded by the prevailing situation in Kogi State. Therefore, in comparision, while the strength of GYB is rooted in using anti-democratic forces to change the will of the people in the forthcoming election, Engr. Musa Wada is widely accepted not only in Kogi East but in Kogi West and of course Kogi Central. Therefore, in a free and fair contest, GYB is not popular enough to get 25% of the vote cast across the three Senatorial Districts in the state. The reason is simple, most civil servants, teachers, and pensioners would not vote for him and many others who are their beneficiaries and the generality of the people of the state because of the poverty and lack of democratic essentials which characterize his administration since he took the reign of power in 2016.

#Mr Opaluwa, a social commentator writes from Abuja

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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