Nigeria, July 5 -- As the Nigerian Education Loan Fund continues to disburse billions of naira to students across the country, beneficiaries at Nasarawa State University, Keffi are expressing mixed feelings, relief today, uncertainty tomorrow. For many, the loan has been a lifeline. For others, especially those nearing graduation, a growing concern is beginning to take root: what happens when repayment begins?

Umar Yahaya, a 400-level student, explained that the money helped him survive a difficult semester. He used part of it to pay his fees and also addressed his daily expenses, including food and transportation. However, he admitted that the thought of repaying the loan after school worries him. "This money has helped me survive. I pa...