OPINION
Nigeria, In Times Like This…

By Olusegun Adeniyi
The Independent National Electoral Commission (INEC) had assured the country of its readiness to deploy the Bimodal Voter Accreditation System (BVAS) and the Election Result Viewing Portal (IReV) in the build-up to last Saturday’s presidential and national assembly elections.
These two technological innovations would have enhanced the transparency of their process and the integrity of outcomes. INECs inability to deploy them as effectively as promised led to the long-forgotten ‘Orubebeism’ at the Collation Centre on Monday by Senator Dino Melaye of the main opposition Peoples Democratic Party (PDP) and the crisis we must now do everything to avert.In the early hours of yesterday, INEC declared Asiwaju Bola Ahmed Tinubu, candidate of the ruling party All Progressives Congress (APC), as president-elect.
With a total of 8,794,726 votes, he defeated 17 other candidates, including former Vice President Atiku Abubakar of the main opposition Peoples Democratic Party (PDP) who polled a total of 6,984,520 votes and Mr Peter Obi of the Labour Party (LP) who secured a total of 6,101,533 votes. Senator Rabiu Musa Kwankwaso of the New Nigeria Peoples Party (NNPP) came fourth with 1,496,687 votes. Instructively, Tinubu and Atiku each won in 12 states, Obi won in 11 states and the Federal Capital Territory (FCT), Abuja while Kwankwaso won only in Kano. A high-stake election which ended up that close left no margin for error. Yet, last Saturday left no doubt that INEC overpromised and underdelivered.I have read the reports of various observer teams, including that of the International Republican Institute (IRI) and National Democratic Institute (NDI). The question being raised about the transparency of INEC rests on the deployment (or lack thereof) of technologies it promised. BVAS uses biometrics (voter fingerprints and facial recognition) for the accreditation process and available reports indicate that it worked substantially in that regard last Saturday. But BVAS is also programmed to capture images of the polling unit result sheet (Form EC8A) for real-time upload to the INEC Result Viewing Portal (IReV) which allows members of the public to create personal accounts to access stored as PDF files. That was where the problem arose.
In my column two weeks ago, ‘INEC and the Lesson from VAR’, I wrote that when we use technology to drive any process, we make a critical assumption that those managing it will follow the rules. But, as I also argued, even the most advanced technology can be compromised by human omission or commission, which can then cast doubt on the fairness of the entire process, erode public trust and undermine the credibility of outcome. INEC Chairman, Prof Mahmood Yakubu has a responsibility to explain why, as YIAGA Africa pointed out in its statement, only 73 percent of polling unit-level results had been uploaded as at yesterday afternoon. By some curious twist of fate, as I also explained last week, this presidential election left us with a WaZoBia construct that stands on the ancient political tripod of the ethnic affiliation of the three leading candidates. If we had political leaders with sufficient acumen for forging elite consensus, as the military did in 1999, perhaps the primaries of the political parties might have produced different outcomes that would have made the election less fractious. Sadly, that opportunity was missed. Unless our leaders can come up with strategic concessions to assuage genuine feelings of alienation in certain quarters, we could face dire consequences. But this is an issue we will have to deal with another day. Meanwhile, regardless of how we may feel about the outcome of the presidential election, there are many lessons to take from what happened last Saturday. The first has to do with the cost of running elections in Nigeria. The closure of borders, shutdown of businesses and offices, restrictions of movement during the exercise, deployment of a disproportionate number of police and security personnel as well as military troops was a costly exercise. We conduct elections almost like war. All this because we distrust one another not to game the exercise.
For this election, a ‘Naira confiscation’ policy was even conceived and enforced by the Central Bank of Nigeria (CBN) ostensibly to prevent vote-buying. In the process, lives and livelihoods have been ruined. Incidentally, all the APC Governors who cared so much about our ‘Nairalessness’ that they threatened fire and brimstone before the election have forgotten about a certain Mr Godwin Emefiele. Similarly, all the PDP politicians who were hailing President Muhammadu Buhari, are now saying something else. Nigerian politicians are incredible! If there is any lesson to take from all the drama, it is about the desperation for power by our politicians. Their concerns are never about the ordinary people. With eyes on the enormous spoils of office attached to these positions, we can understand the ‘end justifies the means’ approach to every election in Nigeria. There are other issues thrown up by the presidential election result, including the implication of a divided opposition against the party in power. It was the subject of my 2011 research paper at the Harvard University Weatherhead Centre, where I argued that whenever and wherever opposition politicians stand divided before the polls, they are priming themselves for unity in defeat: (http://programs.wcfia.harvard.edu/fellows/publications/divided-opposition-boon-african-incumbents. The three leading opposition candidates who contested last Saturday were members of the PDP until last year before they splintered. Yet, the votes they collectively secured are far larger than what the APC candidate received for his victory.
From the result, Tinubu won the election with just about 35 percent of the total votes while the remaining 65 percent of the total votes were cast for the other candidates. Besides, the presidential primaries of the PDP were so mismanaged that five of their Governors (and their allies, especially in the Southwest) were allowed to go rogue and hobnob with the APC for the presidential election. It is interesting that the PDP and LP are now collaborating only after the election when it was always obvious that if the two parties worked together, APC stood little or no chance at the polls.
The second lesson is that if you run against the political tide, especially in whatever is considered group interest, you will be swept off. We saw a lot of that in the Southeast where Hurricane LP (or more appropriately, Hurricane Peter Obi) upended many pollical ambitions. For the first time since 1999, the people went against the PDP to pitch tent with the LP that secured 94 percent of the total votes in Anambra State, 93 percent in Enugu, 80 percent in Ebonyi, 78 percent in Imo and 75 percent in Abia. The bigwigs in PDP and APC are now counting their losses. Governor Ifeanyi Ugwuanyi of Enugu State, a former member of the House of Representatives, who sought to move to the senate had his ambition truncated by Okechukwu Ezea of LP who polled 104,492 votes. That more than doubled the 46,948 votes he (Ugwuanyi) secured as a PDP candidate.
The third lesson is that political parties appear less important in this election cycle. The people are now quite aware that one is not different from the other and that all of them, without exception, are mere vehicles to secure power. And with that, it is also easy for the people to vote for individuals they like, regardless of the party platform on which the person is running. The good side to this is that if popular candidates are denied tickets (that are often traded) in the major parties, they can run on the platform of fringe parties and still win. We saw that in a few states.
My friend and former House of Representatives member, Ahmed Wadada, last Saturday won the Nasarawa West Senatorial District election on the platform of the Social Democratic Party (SDP). That is the seat held by the current APC National Chairman and two-term governor of the state, Abdullahi Adamu. Wadada was in the APC, but Adamu ceded the senatorial ticket to Shehu Ahmed Tukur, an architect and former gubernatorial aspirant in the state. At the election, Wadada polled 96488 votes as against the 47,717 votes garnered by the APC candidate. The PDP candidate, Musa Galadima scored 46,820 votes while Bala Tongurma of the Labour Party scored 33,228 votes.
Instructively, many serving and former governors also lost their bids for the Senate that has since become their ‘retirement home’. Last Saturday, the apostle of ‘Conjugated Agglutination’ was defeated by the incumbent Senator Jarigbe Agom of the PDP, who garnered 76,145 votes as against the 56,595 votes secured by the Cross River State Governor. For Prof Ben Ayade, an election of ‘Infinite Transposition’ has given way to the ‘Kinetic Crystallization’ of a defeat that may have provoked the ‘Qabalistic Densification’ of ‘Olimpotic Meritemasis’ proportion. There is also an interesting dimension to this election based on the statistics sent to me last night. Peter Obi won the Southern votes while Tinubu won the Northern votes. Out of the 14.7 million votes cast in the North, Tinubu, Atiku and Obi won 38, 36 and 14 percents, respectively. Out of the 9.3 million votes cast in the South, Obi, Tinubu and Atiku got 43, 34 and 19 percents, respectively. We must interrogate the meaning of all these.
I invested no emotion in this election. But I followed it very closely. I particularly enjoyed the ‘WhatsApp classes’ on several platforms that featured a deluge of videos and text messages from partisans. Now that the presidential election is over, we need to get back to real life. There are three critical but unpopular decisions that the next administration must take if we are to get out of our current fiscal mess. We need to put an end to the wasteful regime of subsidy in the downstream sector of the petroleum industry and the multiple exchange rates by the CBN. We also must increase the revenue base by making Nigerians pay tax. These are decisions that will be difficult for any leader.
In the weeks ahead, I am going to write about Atiku who has had a sterling political career even though he may have missed out on the ultimate prize. I have had the opportunity of close interactions with him over the years and he is a genuine patriot who would have made a very good president. But I have always suspected that the incumbent being a northern Fulani man like Atiku is more an albatross than an advantage for his aspiration. Some of his inner cycle never agreed with me on that. Incidentally, just two weeks ago, as I was cleaning my study, I found a book I never knew I had: “Atiku: The Story of Atiku Abubakar”, by the late Adinoyi Ojo-Onukaba. I read the fascinating authorized biography last weekend and I have learnt more about the person and politics of Waziri Adamawa.I am also going to be writing about Peter Obi who is the real story of this election in so many ways. I must admit that I overrated the power of party structure or perhaps underrated the mobilization capacity of the former Anambra State Governor despite his running on a weak platform. He surpassed my expectations and that of many. As I wrote in my recent column in January, given the nature of our political arrangement in Nigeria, there is a value in Obi’s aspiration that transcends his personal ambition. Nothing advances a society better than equity in the distribution of political opportunities, especially at the highest level of government. That’s why his defeat is painful for several constituencies, including many young Nigerians who campaigned for him. But this can be the beginning of something great for him and what he represents if he stays the course. I will also interrogate that in the weeks ahead.
However, let me congratulate Tinubu for realizing his “lifelong ambition.” I recall a conversation I had in May 2008 with President Goodluck Jonathan while spokesman to the late President Umaru Musa Yar’Adua. Jonathan was vice president at the time. He had just returned from Bayelsa State, and I visited his office to congratulate him on the victory of then Governor Timipre Sylva in the gubernatorial election. A month earlier, Sylva’s election had been nullified by the Court of Appeal in a case filed by Ebitimi Amgbare, candidate of Tinubu’s party at the time, Action Congress. During our discussion, Jonathan said, “You know the interesting about the Bayelsa election? The fingerprint of Tinubu was everywhere, even when his party stood no chance at the polls.” As Jonathan explained, weeks before the election, he called Tinubu to say he needed to see him and was ready to visit Lagos at his (Tinubu’s) convenience. But Tinubu said he would rather come to Abuja in deference to Jonathan’s office. And he did. During their discussion, Jonathan said he asked Tinubu, “What is your interest in the Bayelsa gubernatorial election?” Tinubu reportedly replied: “I want to have a strong political foothold in the Southwest and Southsouth.”
I have never forgotten that conversation so when Tinubu said being president is a lifelong ambition, I knew it was more than a Freudian slip. He has spent the past 16 years since leaving office as Lagos State Governor pursuing this ambition. He has built bridges, forged alliances, taken cold calculations and made compromises. Now that he has what he wants, he must understand that power is about purpose. His acceptance speech yesterday was spot on. I particularly like this line: “Yes, there are divisions amongst us that should not exist. Many people are uncertain, angry, and hurt; I reach out to every one of you. Let the better aspects of our humanity step forward at this fateful moment. Let us begin to heal and bring calm to our nation.” Tinubu is a man on whom I have written a lot in the past (some, not so pleasant) and I will soon begin an inquisition into what his presidency portends for Nigeria. Beyond the issue of governance, the value of his election will be measured in other curious ways as well. Can Tinubu rule in a manner that offers comfort to those who felt alienated by his Muslim-Muslim ticket? Time, as they say, will tell.
Let me also say something about our ethnic relations. If there is anything that Peter Obi has proved conclusively in this election, it is that an Igbo candidate can win a national election. That’s a good sign of the country’s willingness for inclusiveness, despite what the noise may suggest. And we should build on that. Even a benign interpretation of the near unanimity of the Igbo votes for him can be explained by the fact that this is the first time under the current dispensation that an Igbo man has emerged presidential candidate of a serious party. After all, during the 2008 presidential election in the United States, according to the Pew Research Centre, about 95 percent of black voters cast their ballots for Mr Barack Obama who went on to win. And it was never held against him. From the reality of identity politics in Nigeria that we cannot shy from, a collateral benefit of the Obi sweep in the Southeast is to unify the Igbo political voice at the voter level. This is a clear demonstration that the people recognize their real interest and who best represents it.
For now, I will admonish our elders (political, religious, traditional), regardless of where they stood in this election, to mind what they say at this period. In her thesis, ‘The Power of Words in Leadership’ which I once referenced on his page, Linia Anirudhan argued that because words can uplift or destroy, leaders must use them wisely in critical times such as we are in today in Nigeria.
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)