OPINION
Ortom’s Second Term and The Task Before Him

As Benue State Governor, Samuel Ortom takes oath of office today to mark the commencement of his second term, our correspondent CHRIS GAGA, examines his first term in office and the expectations of Benue people from his last term as governor.
It was on the 29th May 2015 when governor Samuel Ortom ascended the throne of power as the 5th democratically elected governor of Benue State.
Today makes exactly four years after, and governor Ortom having rewarded a renewed mandate by the sovereign people of Benue State will be taking the oath of allegiance for the second time as executive governor of the food basket state.Of course his reelection by the people of Benue state may be a clear pat on the back and a repose of confidence that the governor has tentatively performed optimally during his first term, after all, reelection into such offices ought to be the collective resolve of the people to reward hard work in terms of performance. Thus, whether this was the basis for his reelection or not, it is probably not the crux of this analogue.
While the event of his inauguration for the second term is historic, many Benue people may rarely see his second term as a time for consolidation, but rather a time for the governor who is said to have performed poorly in his first term to cut his stint in the annals of development of the state. No doubt, the expectations from the Benue masses are high.
Considerably, a cursory throwback on governor Samuel Ortom’s first four years in office becomes key as he renews his oath to occupy the Benue Peoples House in the next four years. This perhaps may give the people insights into what the governor is set to achieve for the state in his last term.
Memorably, the governor in his first term had a developmental blueprint christened, “Our Collective Vision for a greater Benue.” This blueprint had five cardinal areas of focus which encompasses; Agriculture-driven Industrialization, Steamed Based Education, Security, youth empowerment and job creation, and Improved Infrastructure. But while the governor has obviously done well and is applauded in the area of Security, it has remained a tantalizing mirage as to whether any of the other cardinal areas of his blueprint have been implemented even averagely.
Largely, his efforts in tackling insecurity is the greatest achievement of his first term. This is cognitive of the peoples Anti-Open Grazing and Ranches Establishment Law as firmly implemented by his. administration. His amnesty program which yielded minimal impact is never to be left out, same as his dexterity in handling internal and inter-border disputes recently.
Although the governor has listed his achievements in the various sectors of Agriculture, education, health, infrastructure, youth empowerment and employment, his critics and many other Benue citizens say such achievements as highlighted in his scorecard are not feasible. His critics may be fair, they may not.
But while it will be highly unfair for anyone to say the governor has failed woefully in his first term, it is definitely not out of place to say the state deserve better developments than where it is staggering presently.
Positively, the Benue State governor is not unaware of the task ahead of him in his next four years in office. He has admitted repeatedly that costly “mistakes” were made in his first term, but “lessons” have been learnt, and he was ready to relaunch Benue into its pride of place amongst other states in his second coming.
Of course, one of the major problem governor Samuel Ortom promised and was expected to tackle in his first four years, which is the welfare of Benue workers has remained unsolved but rather degenerated. Benue workers are now owed salaries to the tune of 5 months(state), 10 months(Teachers), 11 months(LGs), and over 14 to 18 months(pensions) respectively as against 3 months(state), 4 months (local government) he inherited in 2015.
Investigations also have shown that the first term of governor Ortom administration is alienated from the rural areas. There seems to be little or no government presence at the grassroots, a situation that has caused gross decay in rural infrastructures such as feeder roads, bridges, lack of electrification and other basic amenities in spite of claims that his government has carried out over 800 water projects in the rural areas. Obviously, the 23 local governments of the state deserve better transformation in his second term.
The hopes and expectations are still high even as the governor takes oath of allegiance to mark the commencement of his second term in office. For many, it is time for Samuel Ortom to make the people reposed or redevelop confidence in his government through robust and physically viable developmental projects that tends to transform the state and improve the livelihood of every Benue citizenry.
Expectedly, our Correspondents spoke to some Benue citizens who spoke on their expectations from the second term of governor Samuel Ortom One of them, an elder statesman and former permanent Secretary in the state, Engr. Peter Torjum, expects the governor to take development to the rural areas of the 23 local governments of the state. He also wants the governor to address the issue of welfare of workers and pensioners in the State.
“The governor should take development to the rural areas because his first four years witnessed low presence in the rural areas of the state. So he should focus on the grass roots.
“Let him bring in technocrats who can perform very well so that his second term will not be abysmal. He needs competent hands run his second term. It is key.
“In the area of welfare, I know the salary is regular now, except for the arrears. So he should try to pay we pensioners our wages as at when due, that is most important. And he should then pay some gratuities and pensions arrears. All these things if he pays then we will be very happy and support him to run his second term very well,” Engr Peter Torjum said.
A youth, Mr. Terseer Bamber wants the governor to cash in on agriculture which is the main stead of the people so as to improve the economy of the state.
“The expectations of an average Benue person is development beyond what we have seen in time past. We expect job creation, infrastructural development and most importantly assuming our position in the comparative advantage we have, which is agriculture. In the past four years of Ortom administration, we have not seen these things as Benue youths, come to limelight.
“So my expectations in his next four years is to see him prioritize these areas I have mentioned. First of all, commercializing agriculture, moving to improve infrastructure both within the cosmopolitan centres of the state and the rural areas, and then most importantly paying particular attention to youth employment and empowerment, because if that is not addressed, we are definitely sitting on a time bomb,” Mr. Bamber noted.
Mr. Odaudu Owoicho opined that, “as a Nigerian and an indigene of Benue State, my expectations from Ortom’s first and present administrations have been high. But, like the saying goes: “Expectations Kills”, so, for this singular reason and experiences of poor leadership from the past political administrations, I expect nothing, but if this present leadership led by the Samuel Ortom’s (PDP) gives us a new direction and thought, I will expect nothing but the best. More particularly in the areas of salary payment and augmentation, job creation/youth empowerment amongst other things – industrialisation, infrastructural development and other basic amenities for the wellbeing of the people.”
Another Benue indigene who preferred to be addressed as Martins, said bluntly that governor Ortom has nothing to offer Benue judging by his antecedents in his first term and even others positions.
“GOING BY HIS ANTECEDENTS IN THE THE FIRST TERM, I DON’T EXPECT MUCH FROM HIM, BECAUSE HE HAS SHOWN THAT HE LACKS VISION. This is without sentiments, but as a keen observer, going by his past records, he has nothing to offer Benue.
“I have been a keen observer of Ortom’s leadership right from when he was chairman of Guma local government in the early 90s. He did nothing, I think he is just very good in media propaganda. I see, he has demonstrated incapacity so I can’t expect much from him,” he said.
Miss Annabel Zegeor said she expects alot from Ortom’s second term, but especially welfare of Benue workers and pensioners in the State.
“I expect him to be very focus and particular about salary of workers especially the arrears. People are suffering much. The pensioners are also suffering; he should look into their issue.
“And again I suggest the governor choose new advisers because he couldn’t do well in his first term to be honest. No one knows, the kind of advisers he had then been part of the reasons for his poor performance. So he should take care of that, if he wants to do something.
“For me, even though we are not expecting too much from him, he should at least make Makurdi clean and safe to stay by constructing drainages because when it rains, it is usually difficult for some residents to even cope with the level of water,” she said.
Miss Joy Johnson wants the governor to at least open up some streets in Makurdi to easy movement and make the town look neat.
” I don’t expect too much from the governor. But he should try his best and construct some major streets in Makurdi metropolis. That alone is something,” Joy Johnson noted.
Mr. Benedict Terhemen is of the expectations that the governor will do his best for the state during his second term, having parted ways with his godfather, Senator Akume was which the governor said was his detractor.
“We voted him the first time but he didn’t do the things he promised to do for us, and he said his Godfather was the reason for his poor performance, but thank God the God father is not there again. So we expect that his second term will be different and better unlike his first four years.
“He has not even chosen his cabinet yet, so we expect that he will select those who will truly help him in developing the state, but not selfish persons,” Terhemen noted.
Comrade Cletus Aruta, a youth, expects the governor to emulate his counterparts in the neighboring states of Ebonyi and Enugu states who are far doing well in the area of infrastructure and other things.
“I want His Excellency to continue with the payment of monthly salaries to Benue State, Local Government Workers and Pensioners and clear the backlog of salaries owed to them especially the Pensioners who had served the State meritoriously and now retired with a lot of family responsibilities such as payment of school fees, house rents and feedings.
“Secondly, I want him to use his 2nd Term in office to embark on massive urban and rural infrastructural developments in Benue State like we are seeing from his counterparts in our neigbouring States of Nasarrawa, Enugu and Ebonyi State which Benue State is far behind right now especially the
construction of Aliade-Mbakinde-Obarike Ito and Oju-Awajir roads which he promised Igede people during his first tenure. He should create an enabling environment for Private enterprises to come and invest in Benue State as almost all minerals and raw materials in Benue State are wasting and untapped into finished goods which will in turns create job opportunities for Benue youth and curbs youth unemployment and insecurity in the state.
“Finally, I want him to use his second term to build and equip our Public Primary and Secondary Schools with the State of Arts facilities such as good class room blocks and toilets, Libraries and provision of Chairs and desks and other office equipment as you know how important is Primary and
Secondary education which are the foundation of learnings and child development,” Aruta said.
For every Benue citizenry, there is a basket full of expectations and they are quite high, but interestingly, governor Samuel Ortom is not unaware of the dilemma before him.
Perhaps, his first four years were laced with excuses, mistakes and administrative blunders, but of course none of such feeble excuses may be entertained by the sovereign people of Benue State that refrained contemplating his replacement even against all odds during the 2019 elections.
The public outcry is alarming. Yes, not very many may have had it juicy during his first term, but the decision of the people to retain governor Ortom is a thunderous statement that, he the governor should not be taken for granted.
The people want good infrastructures such as good roads, schools, hospitals. The state desire industries, factories that can process their fruits, yam, etc, thus investment is what should be encouraged. The rural dwellers are cut off from the scheme of things, they yearn for feeder roads to help convey their farm produce to the markets.
The governor must understand that Agriculture remains our main stead and as such explore every opportunity available especially facilities provided by the federal government to encourage and transform the agricultural sector as well as generate revenue for the state. If possible, as the food basket state, the people expects the governor to romance with the federal government which is channeling huge resources into the agricultural sector with the aim of driving the policy and making the proceeds available for the development of the state.
The welfare of the people as it concerns their wages is an over trashed issue which the governor should deal with without any backslide. It is also instructive to urge the governor to consolidate on his gains in the area of Security through firm implementation of the Open Grazing Prohibition and Ranches Establishment Law already in use. This as many others believe may put a permanent end to the incessant clashes. This is not forgetting the many Benue citizens who are victims of the invasion and have been suffering in various IDPs camps. It is a necessity for the governor to liaise with the Federal government to make sure that these innocent people return to their homes in safety as soon as he settles for his second term.
It is indeed an epoch-making event as the fifth democratically elected governor of Benue State, Samuel Ortom renews his vow. But as he commences his second term, may his conscience be pricked to live a legacy befitting the goodwill the people have shown him, may he aim for success, and may he not disappoint the confidence bestowed on him. May the governor summon unusual courageous and be focus in implementing his developmental blueprint, “Our Collective vision for a greater Benue”. He may have meager resources at his disposal, but prudent and careful management and appropriation of such resources will do the State a great deal indeed.
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)