Remi Tinubu Commissions 50 CNG Buses, Flags Off N1bn Empowerment for 5,000 Women in Edo

Edo State’s drive for affordable transportation and women empowerment received a major boost on Thursday as Nigerian’s first Lady,Senator Oluremi Tinubu commissioned 50 CNG buses and flagged off a N1 billion support programme for 5,000 women in the state.

The event, held in Benin City, is part of activities marking the First Lady’s official visit to Edo.

Speaking at the ceremony, Senator Tinubu said the two initiatives would ease mobility, strengthen small businesses and create more economic opportunities for women, youths and vulnerable groups.

She commended Governor Monday Okpebholo for his people-centred leadership, noting that the projects demonstrated his commitment to improving livelihoods and driving inclusive growth in the state.

“I am glad to be in Edo today after quite a long time for the commissioning of 50 compressed natural gas buses for the benefit of the people,” she said.

On the empowerment programme under her Renewed Hope Initiative (RHI), she said each of the 5,000 beneficiaries will receive N200,000 to grow their businesses and achieve financial independence.

“I pray that the monies received will prosper in your hands and grow your businesses,” she added.

Earlier in his welcome address, Governor Okpebholo described the First Lady’s visit as beyond ceremonial, saying it reflects care, compassion and genuine commitment to the welfare of Edo people.

“Your visit is not just a ceremonial engagement. It is a demonstration of care, compassion and our commitment to the growth of our people,” the governor said.

Okpebholo explained that the initiatives tackle two pressing needs: affordable, efficient transportation and economic support for women and small business owners.

According to him, the CNG buses will make public transportation more accessible, affordable, efficient and environmentally friendly across Benin City and beyond.

“When you empower a woman, you strengthen a family, uplift a community and contribute to the prosperity of society,” he noted.

The governor also thanked President Bola Ahmed Tinubu for his leadership and continued support for Edo State, pledging his administration’s loyalty to the President and the All Progressives Congress (APC).

He reaffirmed his administration’s resolve to ensure good governance reaches every home.

“Our commitment is to build an Edo State where good governance is felt in every home, opportunities are within the reach of every citizen, and no community is left behind,” he added.

The colourful ceremony was attended by traditional rulers, APC leaders and other dignitaries. Beneficiaries, who were visibly elated, expressed gratitude to the First Lady and Governor Okpebholo, pledging to judiciously utilize the support to grow their businesses.

Gov Okpebholo Receives Dan Orbih’s Remains at Benin Airport, Describes Him as a Brother

Edo State Governor, Senator Monday Okpebholo, on Friday received the remains of Chief Dan Orbih at the Benin Airport.

Chief Orbih, a chieftain of the Peoples Democratic Party (PDP) and Chairman of the Governing Council of Ambrose Alli University, Ekpoma, died on August 31, 2026, at the age of 64.

His remains arrived at the airport at about 9:55 a.m. and were received by Governor Okpebholo, accompanied by the Secretary to the State Government and other top government officials.

The Governor led family members and political associates in a motorcade from the airport to Orbih’s Benin residence, where a brief lying-in-state ceremony was held

Speaking at the residence, Governor Okpebholo described Orbih’s death as a great loss to Edo State, saying the deceased was more than a political associate.

“He was a brother,” the Governor said.

“At times like this, when the loss is difficult to bear, we can only turn to God for comfort and strength. I pray that God will give us all the courage and fortitude to bear this great loss. I also pray that God will protect the family, strengthen them during this difficult period and provide them with the grace to carry on.” He also added

Officiating priest, Rev. Fr. Palmer Ikponmwosa, in his tribute, described Orbih as a colossus of Edo politics, a master tactician, leader and kingmaker.

Other political leaders, including PDP chieftain Chief Pascal Ugbome and APC chieftain Pastor Osagie Ize-Iyamu, also paid glowing tributes, describing him as courageous, generous and compassionate.

Chief Orbih was former Chairman of the PDP in Edo State and former National Vice Chairman, South-South of the party.

As announced by the family, the final rites, which commenced in Abuja on Wednesday with a Requiem Mass and Night of Tributes at the Bola Ahmed Tinubu International Conference Centre, will continue in his hometown, Ogbona, Etsako Central Local Government Area.

According to the funeral programme, a Vigil Mass will hold today, Friday, October 9, at St. John’s Catholic Church, Ogbona by 4:00 p.m.

A Funeral Mass will follow on Saturday, October 10, at 10:00 a.m. at the same venue, with interment at his country home immediately after.

The obsequies will be rounded off on Sunday, October 11, with a Thanksgiving Mass at St. John’s Catholic Church, Ogbona by 10:00 a.m.

Man Caught Writing Promotion Exam for Father in Abuja

A man, Monsuru Musa, has been apprehended for impersonation after he was caught writing a promotion examination for his father in Abuja.

Monsuru was arrested on Wednesday at the examination centre located within the National Open University of Nigeria (NOUN) premises, while writing the exam for his father, Musa Mohammed, a staff of the FCT Fire Service.

The examination was organised by the FCT Civil Service Commission.

He was apprehended by security operatives deployed to monitor the exercise, following measures put in place at the instance of the FCT Minister, Nyesom Wike, to curb examination malpractice and impersonation.

During interrogation, Monsuru claimed his father was ill and had asked him to write the examination on his behalf.

When asked about his father’s age, Monsuru said he was between 67 and 68 years old. However, his father gave a different age, saying he would turn 60 in February 2027, a discrepancy that prompted further questioning.

The father, Musa Mohammed, also told interrogators that he completed primary school in 1977 and secondary school in 1982.

Both father and son have been handed over to the Nigeria Police Force for further investigation after making statements to operatives of the Department of State Services (DSS).

Twin Sisters, Doctor and Pharmacist, Die Two Days Apart in Yobe

Twin sisters, a medical doctor and a pharmacist, have died two days apart from complications linked to sickle cell disease in Yobe State.

The deceased are Dr. Hadiyah Usman Abdullahi and Pharm. Aidah Usman Abdullahi, daughters of Prof. Hadiza Abdullahi Usman, Medical Director of the Federal Medical Centre (FMC), Nguru.

Dr. Hadiyah, an intern in the Department of Haematology at FMC Nguru, died on Friday, October 2, 2026, after about a week on admission following a sickle cell crisis.

Her twin sister, Aidah, a pharmacist at the University of Maiduguri Teaching Hospital (UMTH), was also hospitalized for similar complications at the same time.

Iconic news gathered that Aidah was discharged after her condition improved to attend her sister’s burial. She reportedly collapsed shortly after visiting her sister’s grave and was rushed to the hospital, where she died on Sunday, October 4, 2026.

A family member, Ibrahim Auwal, who confirmed the incident on Monday, described the deaths as devastating to the family.

The sisters have been buried according to Islamic rites in Nguru.

With the current development, the medical community has been thrown into mourning, with renewed calls for increased awareness on sickle cell disease and the importance of genotype compatibility before marriage

Special Court Sentences Four To Death For Kidnapping, Other Offences In Edo

A Special High Court sitting in Benin has convicted and sentenced four men to death for kidnapping and other related offences.

The convicts, Marvellous Isaac, Wisdom Michael, Rufus Emete Michael and Gift Raphael, were found guilty of kidnapping a woman at the Vegetable Market along Airport Road, Benin City

They were tried on an 11-count charge bordering on kidnapping, conspiracy, armed robbery, cultism and unlawful possession of firearms. The judgment, delivered on Tuesday, is the maiden judgment of the Special Criminal Court on kidnapping.

Delivering the judgement, Justice Aigbona Momodu said the law left him with no discretion in imposing the prescribed sentences.

“My hands are tied under the law. I wish the law would permit me to exercise my discretion. I would have, but my hands are tied. I will just impose the sentence as prescribed by the law,” the judge said.

Justice Momodu sentenced Isaac to seven years imprisonment on count one, death by hanging or lethal injection on counts two to nine, 10 years imprisonment on count 10 and life imprisonment on count 11.

Wisdom Michael bagged 7 years on count one and death on counts two to nine; Rufus Emete Michael, 7 years on count one and death on counts two, three, four, six and seven; while Gift Raphael got 7 years on count one and death on counts two, four, six and eight.

The court also ordered the confiscation of a JoJef pump-action firearm and four cartridges tendered as exhibits.

NELFUND AS AN ENDURING LEGACY OF THE TINUBU EDUCATION POLICY

By Samson R.Osagie, Ph.D
Abstract
The financing of tertiary education has remained a persistent policy challenge in Nigeria, particularly against the backdrop of rising educational costs, economic hardship, and increasing barriers to access. The introduction of the Nigerian Education Loan Fund (NELFUND) under the administration of President Bola Ahmed Tinubu represents a significant intervention aimed at expanding access to higher education through an institutionalised, interest-free student loan framework.

A .This paper examines the impact of NELFUND on tertiary education in Nigeria and evaluates whether the scheme can emerge as an enduring legacy of the Tinubu education policy. Using a doctrinal and analytical research methodology, the paper situates NELFUND within the broader history of educational financing reforms in Nigeria by comparing it with earlier educational policies, particularly the free education programmes associated with the Awolowo and Unity Party of Nigeria (UPN) eras.

Keywords: NELFUND, Tertiary Education Financing, Tinubu Education policy, Students Loan Scheme, Educational Reforms.

1.Introduction
Education financing has remained a major issue in the development of the educational system in Nigeria.[1] Education is on the concurrent Legislative list being item … in Schedule….Part …….of the Constitution of the Federal Republic of Nigeria 1999( as amended). It therefore means that both the Federal and sub national governments within the republic have constitutional responsibilities to promote sustainable education policy in Nigeria. Since independence, successive governments have introduced policies aimed at expanding access to education and promoting national development through public investment in human capital.[2] Education has consistently been regarded as an important instrument for social mobility, economic growth, and national transformation.[3] Consequently, different administrations have adopted various funding mechanisms to reduce financial barriers and widen educational opportunities for citizens.[4]
Among the earliest major educational interventions in Nigeria was the Free Primary Education Scheme introduced in 1955 by the former Premier of the Western Region Chief Jeremiah Obafemi Awolowo. The policy significantly expanded literacy and educational access within the region and later influenced similar educational reforms in other parts of the country. This commitment to publicly support education continued with the introduction of the Universal Primary Education (UPE) Scheme in 1976 and the Universal Basic Education (UBE) Programme introduced in 1999 and backed by the Universal Basic Education Act, 2004.[5]Despite these interventions, financing tertiary education has remained a persistent challenge.[6] Economic instability, population growth, inflation, inadequate public funding, and declining household income have continued to place enormous pressure on universities, polytechnics, and colleges of education. Rising tuition and associated educational costs have increasingly limited access to higher education, particularly for students from economically disadvantaged backgrounds.[7] As a result, many qualified Nigerians encounter serious financial obstacles in pursuing or completing tertiary education. It was against this background that the administration of President Bola Ahmed Tinubu, GCFR introduced the Nigerian Education Loan Fund (NELFUND) pursuant to the Student Loans (Access to Higher Education) (Repeal and Re-Enactment) Act, 2024.[8] The scheme was established to provide interest-free educational loans to eligible students in public tertiary institutions and vocational centres, with repayment structured to commence after graduation and employment. Unlike earlier state-funded free education programmes, NELFUND adopts a loan-based financing model intended to balance accessibility with financial sustainability. The policy, therefore, represents a significant shift in Nigeria’s approach to tertiary education financing.[9]
The introduction of NELFUND has generated considerable public and scholarly debate.[10] While supporters regard the scheme as an important intervention capable of reducing financial exclusion in higher education, concerns have also been raised regarding funding sustainability, repayment[11] feasibility, administrative efficiency, and policy continuity.[12] These issues raise important questions concerning whether the scheme can achieve its objectives and whether it possesses the institutional strength necessary to endure beyond the present administration.[13] This study, therefore, examines the impact of NELFUND on tertiary education in Nigeria and evaluates whether it can emerge as an enduring legacy of the Tinubu administration. The study further analyses the legal and institutional framework of the scheme, compares it with earlier educational reforms such as the free education programmes associated with the Awolowo and UPN eras, and considers the necessity of constitutional entrenchment through an amendment to Section 315 of the Constitution of the Federal Republic of Nigeria, 1999 (as amended) in order to ensure the sustainability and long-term continuity of the policy.

  1. Conceptual Clarifications and Theoretical Framework
    2.1 Education Policy
    Education policy[14] refers to the body of principles, laws, guidelines, and governmental decisions formulated to regulate and promote the development of education within a state. It encompasses the objectives, strategies, and institutional mechanisms adopted by the government to ensure the provision, administration, financing, and accessibility of education.[15] Education policies are usually designed to address societal needs such as literacy development, manpower training, economic growth, social equality, and national integration.
    2.2 Student Loan Schemes
    Student loan schemes refer to financial assistance programmes established to support students in meeting the costs associated with education, particularly at the tertiary level.[16] Under such schemes, eligible students are provided with loans to cover tuition fees, accommodation expenses, instructional materials, or other educational costs, subject to repayment under specified conditions. The Student Loan systems are widely utilised across various jurisdictions as mechanisms for widening access to higher education while reducing the immediate financial burden on students and their families.
    2.3 Enduring Legacy in Public Policy
    An enduring legacy in public policy refers to a governmental initiative, reform, or programme whose impact remains significant and sustainable long after the
    administration responsible for its introduction has left office.[17] Such policies usually produce long-term social, economic, political, or institutional benefits that continue to impact society across generations. An enduring legacy is therefore measured not merely by immediate popularity or usefulness, but by continuity, effectiveness, institutional relevance, and historical significance.
    2.4 Human Capital Theory
    This study is anchored on the Human Capital Theory,[18] which views education as an investment capable of improving the productive capacity of individuals and contributing to national economic development. The theory was popularised by economists such as Theodore Schultz and Gary Becker, who argued that expenditure on education should not be regarded merely as social spending but as an investment in human productivity and economic growth.[19] According to the theory, educated individuals are more likely to possess the skills, knowledge, and competencies necessary for innovation, employment, and increased productivity.
    2.0 A Brief History of Educational Policy Development in Nigeria
    The development of educational policy in Nigeria may be traced to the colonial period, when Western education was largely introduced and financed by Christian
    missionary organisations with limited support from the colonial administration.[20] During this era, educational development was uneven, with greater concentration in Southern Nigeria than in the Northern region.[21] Educational funding during this period remained inadequate and heavily dependent on missionary activities, resulting in disparities in access and educational advancement across different regions of the country.[22]Following independence in 1960, successive Nigerian governments have increasingly recognised education as an instrument for economic growth, social mobility, and national integration.[23]
    The post-independence period also witnessed major federally funded educational initiatives such as the Universal Primary Education (UPE) Scheme introduced in 1976[24] under the military administration of General Olusegun Obasanjo and the Universal Basic Education (UBE) Programme also introduced by his civilian administrationin 1999.[25] These programmes reflected the growing recognition that government intervention was necessary to increase access to education. Nevertheless, implementation challenges such as inadequate infrastructure, poor funding, corruption, and weak administrative capacity and inability of sub national government to access the funds for improvements in Education infrastructures limited the achievement of these programmes.
    One of the most significant educational reforms in Nigerian history was the Universal Free Primary Education Scheme introduced in 1955 by Chief Obafemi Awolowo in the Western Region of Nigeria. The policy was founded on the belief that education constituted a fundamental tool for social transformation, economic development, and political advancement. Under the programme, primary education was made free and accessible to children within the region, irrespective of socio-economic background.[26]
    The Awolowo education policy produced substantial improvements in literacy rates, school enrolment, and human capital development within the Western Region. The programme became widely celebrated as one of the most successful social welfare policies in Nigeria’s history and established Awolowo’s reputation as a visionary advocate of mass education. The success of the policy subsequently influenced educational reforms in other regions of Nigeria and shaped later national educational initiatives. Despite its achievements, the programme also encountered challenges relating to funding pressures, teacher shortages, and infrastructural demands arising from increased enrolment. Nevertheless, the policy remains historically important because of its long-term contribution to educational advancement and regional development. It is frequently referenced in contemporary educational discourse as an example of an enduring educational legacy sustained by strong political commitment and governmental investment.[27]
  2. Legal and Institutional Framework of NELFUND
    The legal foundation of the Nigerian Education Loan Fund (NELFUND) is rooted in the Student Loans (Access to Higher Education) (Repeal and Re-Enactment) Act, 2024, signed into law by President Bola Ahmed Tinubu on 3 April 2024. The re-enactment of the legislation followed widespread concerns regarding the inadequacies of the earlier Student Loan Act of 2023, which faced criticism relating to governance structure, restrictive eligibility conditions, repayment mechanisms, and implementation challenges. The revised Act was therefore introduced to create a more functional and inclusive legal framework capable of improving access to higher education and vocational training for Nigerian students.[28]
    The 2024 Act formally established NELFUND as a corporate body with perpetual succession and legal personality capable of suing and being sued in its corporate name. The primary objective of the Act is to provide financial assistance to qualified Nigerians seeking higher education and vocational training in approved institutions within Nigeria. Under the scheme, beneficiaries may obtain interest-free loans to cover tuition fees, institutional charges, and upkeep expenses during their period of study.[29]
    Another notable feature of the 2024 Act is the expansion and liberalisation of eligibility requirements. Unlike the repealed 2023 legislation, which imposed restrictive income-based conditions on applicants, the revised Act removed family income limitations and broadened access to eligible Nigerian students enrolled in recognised public tertiary institutions and approved vocational centres. Applicants are generally required to possess valid identification credentials, such as the Bank Verification Number (BVN), while institutional verification forms part of the application and approval process. The revised framework was intended to make the scheme more inclusive and accessible to students from diverse socio-economic backgrounds.[30]
    The Act establishes an institutional framework for the governance, management, and administration of the Nigerian Education Loan Fund. Its provisions are organised to address the objectives, powers, and functions of the Fund, as well as matters relating to its governing structure and administration. The legislation makes provision for a Board of Directors, management personnel, and staff of the Fund, and sets out rules concerning their responsibilities, composition, appointment, tenure, and removal.[31]
    In addition to its governance framework, the Act also contains provisions relating to funding, loan disbursement, repayment, auditing, and financial accountability. The legislation establishes a General Reserve Fund financed through National Assembly appropriations, grants, donations, investment income, charges and fees generated by the Fund, and repayments arising from loan operations. Loan repayment is structured to commence after graduation and employment, thereby attempting to reduce immediate financial pressure on beneficiaries. The inclusion of auditing and reporting obligations further reflects legislative efforts to strengthen transparency, accountability and public confidence in the administration of the Fund.[32]
  3. O Impact of NELFUND on Tertiary Education in Nigeria
  4. 5.1 Keeping with the Educational Objectives of Government. The Constitution in Chapter 2 established the Fundamental Objectives and Directive Principles of State Policy. Section…. of the Constitution provides for the Educational Objectives as one of the core Fundamental Objectives of government in Nigeria. It provides as follows: Although not justiciable in view of Section 6(6)(c), the NELFUND’s education policy can be seen as of of government’s direct response to the Educational objectives provided by the Constitution.
  5. 5.2 Expansion of Access to Tertiary Education
  6. One of the principal objectives of the Nigerian Education Loan Fund (NELFUND) is the expansion of access to tertiary education in Nigeria.[33] Prior to the introduction of the scheme, many qualified Nigerian students were unable to pursue higher education due to financial incapacity. By providing interest-free loans to eligible students, NELFUND seeks to reduce these financial obstacles and broaden participation in universities, polytechnics, and colleges of education.[34]
  7. 5.3 Reduction of Financial Barriers for Students and Families.
  8. The increasing cost of tertiary education in Nigeria has placed enormous financial pressure on students and their families.[35] Beyond tuition fees, students are often required to bear accommodation costs, transportation expenses, instructional material charges, and other institutional levies. These financial demands have contributed to high dropout rates, deferred admissions, and educational discontinuity among economically disadvantaged students.[36] NELFUND attempts to address these challenges by providing structured financial assistance capable of reducing the immediate economic burden associated with higher education.
  9. 5.4 Promotion of Equity and Inclusion
  10. NELFUND also reflects an attempt to promote equity and inclusion within the Nigerian educational system.[37] Historically, access to tertiary education has been significantly influenced by socio-economic status, geographical disparities, and unequal access to financial resources. Students from poor and rural backgrounds frequently encounter greater obstacles in securing and sustaining tertiary education. The establishment of the scheme, therefore, seeks to reduce educational inequality[38] by creating broader access to educational financing irrespective of economic background.
  11. 5.5 Human Capital Development and National Productivity
  12. The relationship between education and national development remains central to the rationale behind NELFUND. Modern economies depend significantly on skilled manpower, technological innovation, and intellectual capacity for sustainable growth. By increasing access to tertiary education and vocational training, the scheme aims to strengthen human capital formation and improve the productive capacity of Nigerian citizens. This objective is consistent with the Human Capital Theory, which views educational investment as essential for economic productivity and national advancement.[39]

5.6 Early Outcomes and Measurable Indicators
Although NELFUND remains a relatively recent initiative, certain early outcomes suggest increasing public engagement with the programme. Following the commencement of applications and loan disbursements, reports indicated that thousands of students across public tertiary institutions applied for financial support under the scheme.[40] These early developments demonstrate growing awareness of the programme and suggest that educational financing remains a major concern among Nigerian students. However, a comprehensive assessment of the long-term impact of the scheme will depend on sustained implementation, institutional transparency, accurate data management, and effective monitoring mechanisms.

  1. Challenges to the Implementation of NELFUND
    6.1 Inadequate Funding and Sustainability Concerns
    Despite the significance of the Nigerian Education Loan Fund (NELFUND) as an educational financing initiative, concerns have emerged regarding the long-term sustainability of the scheme.[41] Educational loan programmes require substantial and continuous financial support in order to accommodate increasing student populations and rising educational costs. In Nigeria, where economic instability, fluctuating government revenues, and competing national priorities frequently affect public expenditure, sustaining adequate funding for NELFUND may become increasingly difficult over time. However, this challenge is not apparent at the moment.
    6.2 Administrative Bottlenecks and Bureaucracy
    Administrative inefficiency constitutes another major challenge confronting the implementation of NELFUND. Public sector programmes in Nigeria have historically experienced delays[42] associated with bureaucratic procedures, institutional overlap, and weak administrative coordination. The student loan scheme requires effective collaboration among educational institutions, verification agencies, financial institutions, and governmental bodies in order to function efficiently.

6.3 Corruption and Transparency Risks
Corruption and lack of transparency remain persistent challenges within many public institutions in Nigeria, and these concerns have also been raised in relation to NELFUND.[43] Educational financing schemes involving large-scale public funds are often vulnerable to mismanagement, favouritism, diversion of resources, and weak accountability mechanisms.[44] There is therefore concern that the absence of effective monitoring and transparency structures could undermine the credibility and sustainability of the programme.
6.4 Graduate Unemployment and Repayment Concerns
One of the most significant practical challenges that is expected to confront the NELFUND scheme and affect it’s sustainability relates to graduate unemployment and the feasibility of loan repayment.[45] The repayment framework established under the Act is largely dependent on beneficiaries securing employment after graduation. However, Nigeria continues to experience high rates of youth unemployment and underemployment, particularly among university graduates. This raises concerns regarding the ability of many beneficiaries to fulfil repayment obligations within the prescribed timeframe. If the scheme is to remain enduring future funding of the scheme will not need to depend solely or substantially on repayment by beneficiaries.
6.5 Inflation and Economic Instability
Nigeria’s persistent inflationary pressures and economic instability also present serious challenges to the effective implementation of NELFUND.[46] Rising inflation affects both the cost of education and the general cost of living, thereby increasing the financial needs of students beyond the value of available loan support. Tuition fees, accommodation costs, transportation expenses, and educational materials continue to rise in response to broader economic conditions.
6.6 Political Instability and Policy Reversals
Political instability has historically undermined the sustainability of many public policies in Nigeria.[47] Changes in government frequently result in policy modifications, abandonment of previous programmes, or shifts in administrative priorities. Educational reforms are particularly vulnerable to such political transitions, especially where policies are closely associated with a particular administration or political ideology.[48]

  1. Comparative Analysis of NELFUND and Earlier Educational Financing Models in Nigeria
    Any meaningful assessment of the Nigerian Education Loan Fund (NELFUND) as an enduring educational legacy must be situated within the wider historical context of educational reforms in Nigeria. The most significant comparative reference points are the Universal Free Primary Education policy introduced by Chief Obafemi Awolowo in the Western Region in 1955 and the free education programmes implemented by Unity Party of Nigeria (UPN) governments during the Second Republic.[49] Both initiatives were founded on a welfare-oriented philosophy that treated education as a social right requiring direct governmental financing. Through substantial public investment, these policies expanded educational access and became strongly associated with social mobility, literacy growth, and developmental governance.
    NELFUND differs from these earlier models in both philosophy and institutional design. Whereas the Awolowo and UPN programmes relied principally on direct public funding and free educational provision, NELFUND adopts a loan-based financing framework targeted at tertiary education.[50] The scheme reflects a shared-responsibility approach in which the government provides financial assistance subject to post-graduation repayment. Consequently, the Tinubu administration’s model represents an adaptation of educational intervention to contemporary fiscal realities, seeking to reconcile accessibility with long-term financial sustainability.
    Despite these differences, important similarities remain. Like the earlier reforms, NELFUND emerged as a policy response to structural inequalities affecting access to education and was introduced against a backdrop of socio-economic pressures. Each model recognises education as a critical instrument for human capital development, national productivity, and social advancement. In this respect, NELFUND continues Nigeria’s broader tradition of state intervention in educational development, even though it departs from the purely welfare-driven structure of earlier programmes.
    The comparison between free education and student loan financing reveals the distinct strengths and limitations of both approaches. Free education models generally achieve stronger immediate accessibility because beneficiaries are not burdened by tuition costs or repayment obligations. This partly explains the enduring historical significance of the Awolowo and UPN programmes, which rapidly expanded educational participation and generated visible developmental outcomes. However, such programmes often impose considerable fiscal demands on the government and may become difficult to sustain during periods of economic instability, population expansion, and declining public revenue.
    By contrast, the student loan model potentially offers greater financial continuity through revolving funding and repayment mechanisms. NELFUND’s zero-interest structure seeks to reduce financial exclusion while maintaining a measure of sustainability absent from many fully subsidised educational systems. Nevertheless, the effectiveness of this model depends heavily on broader institutional and economic conditions, including administrative efficiency, employment opportunities, repayment compliance, and public confidence. In economies characterised by unemployment, inflation, and governance challenges, loan recovery systems may encounter significant operational difficulties. The comparative question of accessibility, sustainability, and long-term impact is ultimately central to determining whether NELFUND can emerge as an enduring legacy of the Tinubu administration.
  2. NELFUND as an Enduring Legacy of the Tinubu Administration.
    In governance, political legacy[51] refers to the lasting influence of a policy or administration beyond the tenure of its creators. A policy becomes a genuine legacy when it survives political transition, becomes institutionally accepted, and produces measurable social impact. Educational reforms[52] often acquire this status because of their direct connection to social mobility, economic development, and human capital formation.[53] This explains the enduring relevance of educational policies associated with leaders such as Obafemi Awolowo. Against this background, the central question is whether the Nigerian Education Loan Fund (NELFUND) can evolve into an enduring legacy of the Tinubu administration. The significance of the scheme lies in its attempt to address a longstanding challenge in Nigerian tertiary education: financial exclusion.
    However, the status of NELFUND as a transformative reform remains conditional. Transformative policies are not judged merely by legislative enactment or policy ambition, but by implementation, institutional credibility, and long-term outcomes. Nigeria’s policy experience demonstrates that many promising reforms failed because of weak administration, inadequate funding, corruption, or political instability.[54] NELFUND’s historical significance will therefore depend on whether it can produce sustained improvements in tertiary educational access and maintain public confidence over time.
    Institutional continuity beyond the present administration is equally important. Many Nigerian reforms have struggled to survive changes in government due to weak institutional foundations and shifting political priorities. For NELFUND to become a genuine legacy, it must develop beyond its association with a single administration and acquire broader national legitimacy. This concern reinforces the argument for stronger legal protection through the incorporation of the Nigerian Education Loan Fund Act into Section 315 of the Constitution in order for the scheme to acquire constitutional flavour not capable of been easily repealed or eroded
    This attempt to Constitutionally entrenchthe Act may strengthen continuity, reduce vulnerability to political reversal, and support the long-term institutional stability of the scheme. Ultimately, whether NELFUND becomes an enduring legacy of the Tinubu education policy will depend on sustained implementation, public legitimacy, and institutional durability. If the scheme succeeds in expanding tertiary educational access while maintaining credibility and continuity across political administrations, it may attain lasting significance within Nigeria’s educational history. If not, it risks joining the long list of ambitious but short-lived reforms that failed to achieve enduring national impact.
  3. Recommendations
    9.1 Constitutionalism and the Need for Legal Entrenchment
    A major challenge confronting public policies in Nigeria is political instability arising from changes in government and shifting administrative priorities. Numerous educational reforms have historically failed because they lacked sufficient legal and institutional protection capable of preserving continuity beyond the tenure of the administrations responsible for their introduction. The principle of constitutionalism, therefore, becomes highly relevant to the long-term sustainability of NELFUND. Constitutionalism [55]emphasises the supremacy of legal structures and institutional safeguards in ensuring continuity, stability, and protection against arbitrary governmental action. In view of the strategic importance of educational financing to national development, there is a compelling argument for protecting NELFUND from future policy reversals through constitutional entrenchment.[56] This may be achieved through an amendment to section 315(5)(e) of the Constitution of the Federal Republic of Nigeria, 1999 (as amended), by incorporating the Nigerian Education Loan Fund Act, 2024, among statutes accorded constitutional protection. Such entrenchment would place the legislation in a position similar to the Land Use Act and the National Youth Service Corps Act, thereby strengthening its permanence and institutional stability.
    9.2 Sustained Funding Through Statutory Allocations
    For the Nigerian Education Loan Fund (NELFUND) to endure as a credible educational financing mechanism, sustainable funding must remain a central priority.[57] Educational loan schemes require continuous financial support capable of accommodating rising student populations, inflation, and increasing institutional costs. Overreliance on discretionary annual governmental allocations may expose the programme to fiscal uncertainty and political instability.[58] Consequently, there is a need for stable statutory funding arrangements supported by diversified revenue sources capable of guaranteeing continuity irrespective of changing economic conditions.
    9.3 Transparent Administration and Public Accountability
    Transparency and accountability are indispensable to the legitimacy and effectiveness of any public welfare programme. Given Nigeria’s historical challenges relating to corruption and institutional inefficiency[59], the administration of NELFUND must be guided by strict financial oversight and transparent operational procedures. Public confidence in the programme will depend significantly on whether funds are properly managed and fairly distributed to eligible beneficiaries. Independent auditing mechanisms, periodic public reporting, and effective anti-corruption safeguards should therefore be institutionalised within the operational structure of the scheme.
    9.4 Employment-Linked Repayment Structure
    The sustainability of the loan scheme depends significantly on the practicality of its repayment framework. Considering the high rate of unemployment and underemployment among graduates in Nigeria, repayment structures must remain flexible and responsive to prevailing economic realities. Strict or unrealistic repayment conditions may discourage participation and increase default rates.
    9.5 Periodic Legislative Review of the Act
    Educational financing policies operate within constantly evolving economic and social environments. Consequently, the Nigerian Education Loan Fund Act, 2024, should not remain administratively static. Periodic legislative review is necessary to address implementation challenges, emerging educational realities, technological developments, and economic fluctuations.

10.0Conclusion
The Nigerian Education Loan Fund (NELFUND) represents a significant intervention in the financing of tertiary education in Nigeria. Introduced against the backdrop of rising educational costs, limited access to tertiary education by indigent students and persistent funding challenges, the scheme reflects an effort by the Tinubu administration to institutionalise a more structured and globally acceptable approach to educational support. Unlike earlier free education models associated with the Awolowo and UPN eras, NELFUND adopts an interest-free loan framework intended to balance educational accessibility with financial sustainability.
This study has shown that the scheme possesses considerable potential to widen access to tertiary education, reduce financial barriers, and strengthen human capital development. However, its long-term success depends on effective implementation, sustainable funding, administrative efficiency, transparency, and favourable economic conditions, particularly in relation to graduate employment and repayment capacity. As with many public reforms in Nigeria, political instability and institutional weakness remain significant risks.
Whether NELFUND ultimately emerges as an enduring legacy of the Tinubu education policy will depend not merely on its statutory existence but on its ability to achieve lasting educational impact and survive beyond the present administration. This underlines the importance of strengthening the scheme’s legal foundation through the proposed incorporation of the Nigerian Education Loan Fund Act, 2024, into section 315 of the Constitution of the Federal Republic of Nigeria, 1999 (as amended). In the final analysis, the future of tertiary education financing in Nigeria will require policies that combine accessibility, accountability, sustainability, and institutional continuity.

*Dr Samson R.Osagie is a Legal Practitioner and a Former Attorney General of Edo State.

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US, Nigeria Sign Deal On Mineral Development, Geological Exploration

The United States of America and the Nigerian Government have signed a strategic deal to deepen cooperation in solid minerals development and geological exploration.

Nigeria’s Minister of Solid Minerals Development, Dr. Dele Alake, disclosed this at the Nigerian Mission House in New York, during the signing ceremony on the sidelines of the 81st United Nations General Assembly. He described it as a future-driven framework for collaboration between both countries in the areas of geological data and exploration, mineral development and processing, infrastructure, and technical capacity to drive industrial growth.

Alake, however, stressed Nigeria’s resolve to move beyond exporting raw materials.

“But let me be clear about Nigeria’s ambition. We are not here to remain a source of raw material for the value that others create. Our goal is to turn potential into lasting value at home through stronger local processing, new skills, quality jobs, and new opportunities for Nigerian businesses,” Alake said

On his part, US Deputy Secretary of State, Christopher Landau, said Washington is committed to supporting Nigeria’s economic growth, noting that the partnership would bring greater prosperity to both nations.

“The signal we are sending is that the United States and Nigeria are partners. Under President Trump and President Tinubu’s leadership, the United States and Nigeria have done many things together in the last one and a half years that we’ve never done before. I think we would like to keep building on that momentum,” he added.

Edo CPC Begins Crackdown On Sachet Gin As Grace Period Ends

The Edo State Consumer Protection Committee has said it will today, Tuesday, 22nd September, 2026, begin full enforcement of the ban on sachet alcoholic drinks across the state.

The disclosure was contained in a statement issued by its Chairman, Mr. Iyamu Osaro Culture.

The Committee said the grace period granted to traders to sell off existing stocks of sachet gin and alcoholic Agbo expired on Saturday, 20th September, 2026.

According to the statement titled BAN ON SACHET GIN: GRACE PERIOD ELAPSES, ENFORCEMENT BEGINS ON TUESDAY, 22ND SEPTEMBER, 2026, enforcement teams will move into markets and communities in Benin, Auchi, Ekpoma and other parts of the state from today.

The Committee warned that anyone caught selling, hawking or hoarding sachet gin below 200ml will be made to pay a prescribed fine into the Edo State Government Single Account, while the products will be seized and confiscated.

“This announcement is to prepare the minds of the public ahead of our operation,” the statement read, urging traders and consumers to comply in their own interest.

The ban on sachet alcohol was first introduced by the National Agency for Food and Drug Administration and Control (NAFDAC) in 2018 to curb rising drug abuse among underage children and commercial drivers, as the products were easily accessible and concealable.

FG Inaugurates Inter-Ministerial Committee on Nigeria’s 66th Independence Anniversary

The Federal Government has inaugurated the Inter-Ministerial Committee (IMC) for the commemoration of Nigeria’s 66th Independence Anniversary, with emphasis on reflecting on the enduring legacies of the founding fathers.

In a statement signed by Chris Ugwuegbulam, Head, Information & Public Relations, the Chairman of the Committee and Secretary to the Government of the Federation (SGF), Senator George Akume, CON, disclosed during the inaugural meeting held on Wednesday, September 17, 2026, in Abuja that the 66th anniversary provides an opportunity for Nigerians to reflect on the contributions, sacrifices and enduring legacies of the nation’s founding fathers and heroines who fought for Nigeria’s independence from colonial rule.

The SGF, who was represented at the event by the Permanent Secretary, Political and Economic Affairs Office (PEAO), Mrs. Bekearedebo Augusta Warrens, noted that the achievements recorded since independence were built on the foundation laid by the country’s nationalists, stressing the need to remember their sacrifices while reflecting on the nation’s journey since October 1, 1960.

According to him, the anniversary will also provide an opportunity for the present administration to showcase its achievements and highlight efforts being undertaken to reposition the country through its reform initiatives, against the backdrop of the socio-economic challenges confronting the nation.

He emphasised that activities for this year’s celebration will be low-key, and urged members of the Committee to work with urgency given the limited time before October 1.

The SGF disclosed that the programme of activities will commence with a World Press Conference on Thursday, September 24, 2026; Juma’at Service on Friday, September 25; Church Service on Sunday, September 27, 2026; Independence Day Public Lecture on Wednesday, September 30, 2026; and a nationwide broadcast by President Bola Ahmed Tinubu, GCFR, on Thursday, October 1, 2026.

Members of the Committee include the Honourable Minister of Finance and Coordinating Minister of the Economy, Mr. Taiwo Oyedele; Minister of Information and National Orientation, Mohammed Idris; Minister of Interior, Dr. Olubunmi Tunji-Ojo; Minister of Foreign Affairs, Amb. Bianca Odumegwu-Ojukwu; Minister of the Federal Capital Territory Administration, Barr. Nyesom Wike; Minister of Budget and Economic Planning, Sen. Abubakar Atiku Bagudu; National Security Adviser, Mallam Nuhu Ribadu; Special Adviser to the President on Policy Coordination, Hadiza Bala Usman; Special Adviser to the President on Information and Strategy, Mr. Bayo Onanuga; Special Adviser to the President on Media and Public Communications, Chief Sunday Dare; Permanent Secretary, State House, Engr. Temitope Peter Fashedemi; Permanent Secretary, General Services Office (GSO), Dr. Ibrahim Abubakar Kana, mni; Permanent Secretary, Federal Ministry of Health, Ms. Kachollom Daju, mni; Permanent Secretary, Cabinet Affairs Office (CAO), Dr. John Chidiebere Ezeamama; Inspector-General of Police, Mr. Olatunji Disu; Director-General, Department of State Services, Mr. Adeola Oluwatosin Ajayi; Commander, Guards Brigade, Brig. Gen. Adebisi Olusegun Onasanya; and Permanent Secretary, Political and Economic Affairs Office (PEAO), Mrs. Bekearedebo Augusta Warrens.

The Terms of Reference of the Committee include planning, organising and executing all approved activities for the October 1 celebration; co-opting any organisation or individual considered relevant to the successful execution of the programme; documenting activities for posterity; and undertaking any other assignment required for successful implementation.

Delta Assembly Passes 13th-Month Salary Bill, Becomes First State in Nigeria to Legalise It

In a major boost for workers’ welfare, the Delta State House of Assembly has passed the Executive Bill seeking to institutionalise the payment of 13th-month salary to public servants in the state.

The Bill, which gives statutory backing to the welfare policy introduced by Governor Sheriff Oborevwori’s administration, was passed on Tuesday after its third reading at plenary presided over by the Speaker, Rt. Hon. Emomotimi Dennis Guwor.

Describing the passage as a significant step towards strengthening workers’ welfare, the Speaker noted that the legislation will provide greater certainty for public servants while boosting morale and productivity in the state civil service.

With its passage, Delta has made history as the first state in Nigeria to establish a statutory framework for the payment of 13th-month salary to public servants.

The legislation, which now awaits the Governor’s assent, is expected to further strengthen the welfare of the Delta workforce and improve productivity and service delivery in line with the MORE Agenda.

Workers across the state have continued to laud the initiative, describing it as a demonstration of Governor Oborevwori’s commitment to putting smiles on the faces of Deltans.

Iconic News gathered that Governor Oborevwori had introduced the 13th-month salary as an annual welfare package upon assumption of office, a gesture the new law now makes permanent and legally binding.