OPINION
Kemi Badenoch: Shettima as Flutist with ‘Gègè’ on His Neck

By Festus Adedayo
This past Monday, Nigeria’s Vice President, Kashim Shettima, held the fèèrè (flute) and blew it admirably. However, bystanders listening to the rhythm of his flute didn’t know whether to cry or laugh. Moyo Okediji, Assistant Professor of Art at Wellesley College, Massachusetts, in his “Art of the Yoruba” Art Institute of Chicago Museum Studies, (Vol.
23, No. 2) described the flute held by Shettima as a symbol of the trickster god Esu, also known as the divinity of the crossroads. According to Okediji, Esu was so powerful that he could help or hinder the craft and life of man. The fere was so influential in traditional Africa that it was equally a symbol of royal might.If you went to the palace of the Alaafin of Oyo during the reign of late Oba Lamidi Olayiwola Adeyemi 111, as you approached the palace court, traditional flutists demonstrated their craft in magnificent candour. As they blew the flute, their eyes popped out like an ostrich’s, cheeks inflated like the rotund belly of a toad.
It is the same with drums. Apart from the rhythm they provide, drums are communicative instruments. So, while blowing the flute and beating drums, the crafters are engaged in the powerful medium of communication. Oba Adeyemi once told me that, shortly after the Ooni of Ife, Oba Enitan Ogunwusi, was enthroned, he, Alaafin was with the Ooni at an event in Ile-Ife. Palace drummers, continuing the decades-long tiff between Oba Adeyemi and Ogunwusi’s predecessor, Oba Okunade Sijuwade, suddenly changed the tone of their drumming.
They then began to drum out abusive messages to Alaafin with each descent of their sticks on the drum. Being ardent in the mastery of language of drums, Alaafin told me he immediately called the attention of Oba Ogunwusi to it. Ooni was apparently unschooled in drum language, and couldn’t penetrate the rain of expletives. “Kìlò fún awon onílù re” – warn your drummers – he told me he said to the Ooni to cease the tirades or he would storm out of the occasion.
The art and craft of flutists however arrest the attention of the audience who marvel at the beauty oozing out of their mouth. So, if a flutist is unfortunate to suffer from goiter, what the Yoruba call gègè, at the time he is blowing it, it will be double jeopardy for him. Goiter is an irregular growth at the thyroid gland which, as a result of its enlargement, makes its sufferer present with a big swelling on the neck. So, Yoruba say, the King who employed Onígègé– goiter patient – as a flutist will have a large audience of scorners watching his craft. In which case, the object to watch by the audience will be two – the flutist’s enlarged neck and the rhythm that comes out of the flute.
British-born Nigerian UK Conservative Party Leader, Kemi Adegoke, otherwise known as Kemi Badenoch, has been in the eye of the storm for her unflattering comments about Nigeria. Kemi became British as a result of her birth in 1980 at St. Teresa’s Private Hospital in London. Her professor of physiology mother, who taught at the University of Lagos and in America, had brought her pregnancy for birth in the UK on January 2 of that year before the British Nationality Act 1981 abolished the automatic birthright citizenship in England. She got married to Hamish, British banker. Since her climb up the ladder of British politics, Kemi has regaled Britons with the “very tough upbringing” she had in Nigeria, especially how it was enveloped by fear and insecurity.
She had said, “This is my country. I don’t want it to become like the place I ran away from. I grew up in Nigeria, and I saw firsthand what happens when politicians are in it for themselves, when they use public money as their private piggy banks, when they pollute the whole political atmosphere with their failure to serve others… I saw poverty and broken dreams. I came to Britain to make my way in a country where hard work and honest endeavour can take you anywhere. I grew up in a place where fear was everywhere. You cannot understand it unless you’ve lived it. Triple-checking that all the doors and windows are locked, waking up in the night at every sound, listening as you hear your neighbours scream as they are being burgled and beaten, wondering if your home would be the next.”
Apart from insecurity, Badenoch has consistently described Nigeria as a country plagued by corruption. Her family was said to have resided in the harsh middle-class neighbourhood of Surulere in Lagos, while she schooled at the Lagos International School.
But, like an obstinate or deaf King’s flutist afflicted with onígègé, Shettima didn’t care about the embarrassing swelling on his neck. In the process, both his message and the affliction on his neck became a laughing stock for the global audience. During a speech on migration in Abuja last week, Shettima was quoted to have said that the Bola Tinubu government was “proud” of Badenoch, “in spite of her efforts at denigrating her nation of origin.” However, Shettima said, “She is entitled to her own opinions; she has even every right to remove the ‘Kemi’ from her name but that does not underscore the fact that the greatest black nation on earth is the nation called Nigeria.” Continuing, the VP compared Badenoch’s unpatriotic treatment of her country of birth to that of Rishi Sunak, her predecessor, who became UK’s first Prime Minister of Indian heritage and noted that, Sunak was that “brilliant young man” who “never denigrated his nation of ancestry”.
Badenoch’s office did not allow the melody from the “Onígègé onifere” – the flutist with goiter – to subside. It responded accordingly.” She (Badenoch) is the leader of the opposition and she is very proud of her leadership of the opposition in this country,” her spokesman told reporters. “She tells the truth. She tells it like it is. She is not going to couch her words.”
What we should ask Shettima and people of his persuasion is, was Badenoch wrong because she is Nigerian-born or she was wrong by the certitude or otherwise of her claim? We must get his beef right. In other words, is Badenoch’s reminiscing a painful recount and frustration with the stagnation of her country of birth, or a mere demonization? Why didn’t she say this about Ghana? It is simply because she has no affinity with the Kwame Nkrumah country. Why would Badenoch take pleasure in the destruction of her fatherland? Let us even agree that those snide comments were meant to demonize; are the comments true about Nigeria? If they are true, should they be glossed over or spoken of, peradventure, the runners of Nigeria, who can be typecast as in the same trove with the Ifeoma Okoye novel’s title, Men Without Ears, (1984) can turn a new leaf?
The only issue I have with Kemi is her excessive patronizing of the British. While she may be British, she is not English. People have cited John Fashanu, the British footballer’s travails in the hands of the British press when he landed in trouble. It reminds me of Ilorin Dadakuada music exponent, Odolaye Aremu, who sang about the “Adìye òpìpí”, a rare species of featherless hen which looks like the hawk. It came into the world with scant feathers. In a moment when the Opipi hen forgot herself and identity, she thought herself to be hawk, until she was torn into pieces by this carnivorous bird.
Today, there are two schools of thought on the travails Nigeria is grappling with. None of them can be considered less patriotic than the other. While one believes in the methodology of alarm for redemption and shaming the devil, the other subscribes to the tactic of domesticating the rot (k’á se egbò l’égbò ilé). In other words, whilst both agree that there is a cancerous sore on the leg of Nigeria, one believes finding remedy should be domesticated, while the other says remedy should be escalated to the whole world. At the intersection where they both meet, however, there is an agreement that their country is the proverbial sickly child. Should its condition be broadcast so that intervention could come, perhaps off-coast or, the condition be lidded, in which case, it could worsen and the child dies?
Whether you are a Nigerian living in Nigeria, outside its shores, a friend of Nigeria or observant of Nigeria from afar, the truth is that Nigeria isn’t really a good story. Tomes of publications have been reeled out about our country’s journey into its present stasis. Political scientists, historians and anthropologists have struggled to locate the gene of destruction inside the pod of Nigeria that is responsible for its poor harvest. One of the most apt capturing of the Nigerian situation was given by foremost political scientist, Eghosa Osaghae who, as title of his book, called it a Crippled Giant. Whenever I remember Professor Osaghae’s descriptive book title, I remember a line in the song of Ayinla Omowura, Yoruba Apala music songster. He sang, “ijó ńbe nínú aro, esè ni ò jé,” meaning that dance is innate within the bones of the crippled but they are disenabled by wobbly feet. Very many attempts to explain Nigeria have failed. Nigeria takes one step forward, ten steps backwards.
Let us even confine ourselves to the period between 1999 and now. For decades before military handover of power, Nigerians wasted blood, flesh, resources and hope believing that once the “enemy” – the military – retired into the barracks, an end had come to the underdevelopment of their country. However, 25 years down the ladder, we have lived ruinous years. The period is comparable to an attack by termites. Their comparison with termites here is instructive. Termites, over the centuries, are one of the greatest enemies of man. Wherever they strike, their presence is concealed and undetected, until they have visited the most rapacious and severest damage on timbers and woods necessary for man’s use. As the devastation goes on, while man sees a normal thin exterior layer of wood, at discovery, it is almost always too late to reverse the colossal ruins.
So, let us do a breakdown of Badenoch’s allegations. Is Nigeria broken? I recently saw a book entitled Leaders Eat Last written by Simon Sinek. It contains nuggets on how leaders, who are the highest ranking officers, should “be the last to fix their plate at mealtime in order to ensure the people in their command were fed and catered for.” Is that what Nigerian leaders/politicians do as compared to other saner climes? Do our presidents, ministers, governors, legislators and their allies, since 1999, as alleged by Kemi, turn public money into private piggy bank? Is an Accountant General of the Federation on trial for stealing N109 billion? Did a public servant build 753 duplexes in Abuja? Do we know what job Bola Tinubu has done between 1999 and now that makes him one of the richest Nigerians alive? Is our judiciary corrupt, fantastically corrupt, a la David Cameron? Have Nigerian leaders failed in the last 25 years? Is our country plagued by corruption? Isn’t the Nigerian school so badly run that students carry chairs to school? Should Britain be a dormitory for residue of the failure of Nigerian leaders? Is everything broken in Nigeria?
It will be difficult not to answer the above posers made by Kemi in the affirmative. Only recently, David Adeleke, a.k.a. Davido, the singing sensation, courted the ire of those who are too blind to see the Nigerian situation. He, too, had thrown mud (ògúlùtu) at runners of Nigeria from far away in the United States. The Tinubu government is all movement and no motion, what in street parlance is called “efisi”. While Sinek tells us that leaders eat last, Tinubu and his minions are growing rotund cheeks while this Christmas, Nigerians face the most barren festivity ever. The ruining gang has almost finished the food on the dining table while even crumbs are not left for the ordinary people.
Whilst this column was going to bed, Badenoch’s reply to Shettima’s tirade and her late father, Femi Adegoke’s interview with the BBC Yoruba, surfaced on social media. Kemi had been quoted to have said, “I am Yoruba: I have nothing in common with the people from the north of the country, the Boko Haram where Islamism is.” If you listened to the elderly Adegoke’s interview, you will understand why Kemi’s bluntness and boldness are an inherited gene. In the interview, apparently conducted before 2022, the year of Adegoke’s passage, he said anyone who saw Tinubu becoming Nigeria’s president with the hope that he would right wrongs against the Yoruba, needed their head examined. In very sharp, deep Yoruba, Adegoke said the idea behind Tinubu’s “Yoruba” presidency was “òrò òpònú gbáà, tí kò m’ógbón wá” – it is a brainless argument. He based this on Tinubu’s silence as his kin were kidnapped and murdered by Fulani herdsmen whilst he mouthed the shibboleth of “gedegbe l’Èkó wà” – Lagos is non-aligned – all because of Lagos’ wealth. Adegoke believed that the 1999 constitution must be abolished if Nigeria wants to make any progress.
Again, Kemi, Adegoke’s daughter, has come under visceral attacks for her latest remarks. As usual, that comment is perceived on social media from an ethnic filter. Igbo compare her with the novelist, Chimamanda Adichie and Hausa/Fulani see her comment as the usual superiority complex of the Yoruba. An examination of it will show that every word Kemi uttered was in line with her avant-garde opposition role in the British parliament and reflects her usual down-to-earthness. Is Kemi Yoruba as she claimed? Very correct! Does she have anything in common with any other part of Nigeria? Certainly, not! Should she have? Yes. Today, many Yoruba, rightly or wrongly, believe that “the Gambari” is the axis of evil in Nigeria.
Kemi belongs to that persuasion. Is the north the epicentre of many of Nigeria’s current challenges, including Boko Haram and out-of-school children, the latter which gave birth to the former and the former which manifested from the Vice President’s home state, Borno State in 1999, especially under Shettima’s leader, Ali Modu Sheriff? Yes. Nigeria spends a considerable part of her budget fighting insecurity, almost 80 per cent of which is located in the north. So, should Kemi have couched her words so as to patronize the rulers of Nigeria? Certainly, not! If she did, she would not be an Adegoke’s daughter, the man whose friends nicknamed “Fariga” – disputation.
It is obvious that Shettima is the orange which attracted bystanders to pummel its mother, the orange tree, with stones and woods (omo osàn tíí kó póńpó bá ìyá è). He is also the King who employed the services of a flutist afflicted with goitre to sing his praise. The lesson therein is that challenged flutists should not blow the flute. Shettima’s Nigeria is the flutist’s goitre that attracts mockery of the world. Let Shettima and his boss remove the goitre from Nigeria’s neck by doing right with the power given them.
To Kemi and her deification of the British system: Since she affirmed she is Yoruba, I enjoin her to listen to the counsel of her people to the “Adìye òpìpí”. Because she has no feathers which help hens to fertilize their eggs, keeping such eggs warm and thereby producing offspring, Yoruba warn the Adìye òpìpí to lay controllable eggs which her scant feathers can fertilize. This is to enable her be a mother like other hens. I hope Kemi understands this wisdom of her forefathers.
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)