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Check Out the Universities Eligible for Student Loans in Nigeria

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The students’ loan scheme in Nigeria has recently commenced with 126 federal tertiary institutions set to benefit in the first phase. This initiative by the Nigerian Education Loan Fund (NELFUND) aims to provide financial support to 1.2 million students from federal government-owned universities, polytechnics, colleges of education, and technical colleges. Here’s a detailed look at the scheme, eligibility criteria, and how students can apply.


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Overview of the Nigerian Education Loan Fund (NELFUND)

The Nigerian Education Loan Fund (NELFUND) was established to provide interest-free loans to students pursuing higher education in federal government-owned institutions across Nigeria. The primary objective is to alleviate the financial burden on students and ensure they have the necessary resources to complete their education.

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Phase One: Benefiting Institutions

In its initial phase, the students’ loan scheme will cover 126 federal tertiary institutions. These include universities, polytechnics, colleges of education, and technical colleges spread across the country. Here is the comprehensive list of institutions participating in this phase:


  1. Abubakar Tafawa Balewa University
  2. Adeyemi College of Education
  3. Ahmadu Bello University, Zaria
  4. Airforce Institute of Technology, Kaduna
  5. Akanu Ibiam Federal Polytechnic, Unwana, Afikpo, Ebonyi State
  6. Alvan Ikoku Federal University of Education, Owerri
  7. Bayero University Kano
  8. Creek-high state
  9. David Umahi Federal University of Health Sciences, Uburu
  10. Federal College of Agriculture, Akure
  11. Federal College of Animal Health and Production Technology, Ibadan
  12. Federal College of Animal Health, VOM
  13. Federal College of Education (Special) Oyo
  14. Federal College of Education (Technical), Akoka
  15. Federal College of Education (Technical), Asaba
  16. Federal College of Education (Technical), Gusau
  17. Federal College of Education (Technical), Omoku
  18. Federal College of Education (Technical), Potiskum
  19. Federal College of Education, Abeokuta
  20. Federal College of Education, Bichi
  21. Federal College of Education, Edo
  22. Federal College of Education, Gidan Madi
  23. Federal College of Education, Isu Ebonyi
  24. Federal College of Education, Kano
  25. Federal College of Education, Katsina
  26. Federal College of Education, Kontagora
  27. Federal College of Education, Odugbo
  28. Federal College of Education, Okene
  29. Federal College of Education, Pankshin
  30. Federal College of Education, Yola
  31. Federal College of Education, Zaria
  32. Federal College of Education, Zuba
  33. Federal College of Technology, Akure
  34. Federal College of Technology, Babura
  35. Federal College of Technology, Ikot Abasi
  36. Federal College of Technology, Minna
  37. Federal College of Technology, Owerri
  38. Federal College of Technology, Umunnoechi
  39. Federal College of Technology, Uyo
  40. Federal College of Technology, Wukari
  41. Federal Institute of Industrial Research, Oshodi, Lagos
  42. Federal Polytechnic Ado-Ekiti, Ekiti State
  43. Federal Polytechnic Ayede
  44. Federal Polytechnic Bali
  45. Federal Polytechnic Bauchi
  46. Federal Polytechnic Bida
  47. Federal Polytechnic Damaturu, Yobe State
  48. Federal Polytechnic Daura
  49. Federal Polytechnic Ede
  50. Federal Polytechnic Idah
  51. Federal Polytechnic Ile-Oluji
  52. Federal Polytechnic Ilaro
  53. Federal Polytechnic Kaltungo
  54. Federal Polytechnic Kazaure, Jigawa
  55. Federal Polytechnic Kaura Namoda
  56. Federal Polytechnic Nasarawa
  57. Federal Polytechnic Nekede
  58. Federal Polytechnic N’yak, Shendem
  59. Federal Polytechnic Offa
  60. Federal Polytechnic Ohodo
  61. Federal Polytechnic Oko
  62. Federal Polytechnic Ukana
  63. Federal Polytechnic Umunnoechi
  64. Federal Polytechnic of Oil and Gas, Bonny
  65. Federal Polytechnic Ugep
  66. Federal Polytechnic Wannune
  67. Flexisaf University of Technology
  68. Global Maritime Academy
  69. Kaduna Polytechnic
  70. Michael Okpara University of Agriculture, Umudike
  71. Modibbo Adama University of Technology, Yola
  72. National Institute of Construction Technology and Management, Uromi
  73. National Open University
  74. National Teachers Institute
  75. Nigeria Police Academy Wudil
  76. Nigerian Army College of Education
  77. Nigerian Army College of Environmental Science and Technology
  78. Nigerian Army University, Biu
  79. Nigerian Defence Academy
  80. Nigerian Maritime University, Okerenkoko
  81. Nnamdi Azikiwe University, Awka
  82. Obafemi Awolowo University
  83. Petroleum Training Institute
  84. Umar Suleiman College of Education, Gashua
  85. University of Agriculture, Makurdi
  86. University of Agriculture, Abeokuta
  87. University of Benin
  88. University of Calabar
  89. University of Ibadan
  90. University of Ilorin
  91. University of Jos
  92. University of Lagos
  93. University of Maiduguri
  94. University of Nigeria, Nsukka
  95. University of Petroleum Resources, Effurun, Warri
  96. University of Port Harcourt
  97. University of Uyo
  98. Usman Danfodio University, Sokoto
  99. Waziri Umaru Federal Polytechnic, Birnin-Kebbi
  100. Yaba College of Technology

Read More on Full Universities List

This list includes universities, polytechnics, colleges of education, and other technical colleges participating in the first phase of the students’ loan scheme.

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Application Process

Eligibility Criteria

To qualify for the interest-free loan, students must meet the following criteria:

  • Institution Eligibility: Only students from institutions that have completed and uploaded their students’ data to the NELFUND website are eligible to apply.
  • Enrollment Status: Applicants must be enrolled in any of the 126 listed federal institutions.
  • Application Window: Applications are open to students who complete their application within 15 to 30 minutes on the NELFUND website.

Application Procedure

Students interested in applying for the loan can do so through the official NELFUND website at The application process is designed to be user-friendly, with a streamlined process that ensures applications can be completed within a short timeframe. Applicants will need to provide their personal details, institution details, and any necessary financial information.

Deadline and Notifications

The application deadline for the first phase will be announced on the NELFUND website. It is crucial for students to monitor the website regularly for updates and announcements regarding their application status.

Managing Director’s Comments

According to Akintinde Sawyerr, Managing Director/Chief Executive Officer of NELFUND, the scheme is a testament to the commitment of the federal government towards supporting education in Nigeria. He emphasizes that this initiative will ensure that no deserving student is left behind due to financial constraints.

Future Phases and Expansion

While the current phase covers federal government-owned institutions, plans are underway to include state-owned tertiary institutions in subsequent phases. Details regarding the expansion of the scheme will be announced in due course on the NELFUND website.


The students’ loan scheme initiated by NELFUND presents a significant opportunity for students across federal institutions in Nigeria to access interest-free loans and support their higher education journey. With a streamlined application process and clear eligibility criteria, this initiative aims to ease the financial burden on students and enable them to focus on their studies.

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