Are you a student in Nigeria struggling to pay your school fees or cover other educational expenses? Good news! The Nigerian government, under President Bola Ahmed Tinubu, has introduced the Tinubu Student Loan program to support students financially. This is part of the government’s efforts to make education more accessible and affordable for everyone in the country.
In this post, we will walk you through how to apply for Tinubu Student Loan in Nigeria (2025) step-by-step. Whether you’re in a university, polytechnic, college of education, or any recognized higher institution, this guide is for you.
What Is Tinubu Student Loan?
The Tinubu Student Loan is an initiative of the Nigerian government under the Student Loan Act, signed into law by President Tinubu in 2023 and modified in 2024. This loan is designed to provide interest-free financial assistance to Nigerian students in tertiary institutions.
The loan is managed by the Nigerian Education Loan Fund (NELFUND). The aim is to help students cover their tuition, accommodation, books, and other school-related expenses so they can focus on their studies without financial stress.
Key Features of Tinubu Student Loan (2025)
Before we explain the application process, let’s look at some important features of the Tinubu Student Loan:
1. No Interest Charges
The loan is interest-free, which means you only pay back the exact amount you borrow after graduation. No extra charges are added.
2. Repayment Starts After Graduation
You only begin repayment two years after completing NYSC or getting a job, whichever comes first.
3. Open to All Public Institutions
All students in federal and state universities, polytechnics, colleges of education, and vocational schools can apply.
4. Monthly Allowances
Apart from tuition, the loan may include monthly stipends to help cover living expenses, depending on your institution and level of study.
5. Digital Application Process
Everything is done online, making it easy to apply from anywhere.
Who Can Apply for Tinubu Student Loan?
To be eligible for the Tinubu Student Loan in Nigeria (2025), you must meet the following conditions:
Nigerian Citizenship
You must be a Nigerian citizen with a valid National Identification Number (NIN).
Enrolled in a Public Institution
You must be a student of a federal or state-owned university, polytechnic, college of education, or vocational institution.
Academic Performance
You must maintain good academic standing (not on probation or facing disciplinary action).
No Previous Criminal Record
Applicants must not have a criminal record or history of exam malpractice.
Financial Need
You should demonstrate financial need. The loan is targeted at students from low-income families.
Documents Needed To Apply
Before you begin the application, make sure you have the following documents ready:
- Valid National Identification Number (NIN)
- JAMB Admission Letter
- Institution Admission Letter
- School ID Card
- Bank Verification Number (BVN)
- Passport Photograph
- Personal Email Address
- Parent or Guardian’s Details (Name, Occupation, Contact Information)
Step-by-Step Guide: How To Apply For Tinubu Student Loan In Nigeria (2025)
Now, let’s get into the main part: how to apply. The entire process is done through the official portal of the Nigerian Education Loan Fund (NELFUND).
Follow these simple steps:
Step 1: Visit the Official Portal
Go to the NELFUND Student Loan Application Portal:
https://nelf.gov.ng
Step 2: Create an Account
Click on “Apply Now” or “Register”.
You will need to provide the following:
- Full Name (as it appears on your NIN)
- Email Address
- Phone Number
- NIN
- Create a password
After filling in your details, a verification email or code will be sent to your email or phone.
Step 3: Login to Your Dashboard
Once registered, log in to your dashboard using your email and password.
This is where you will fill in your loan application form and track the status of your application.
Step 4: Complete Your Profile
Update your profile with:
- Academic details (institution, course, level)
- Bank details (for loan disbursement)
- Parent/Guardian information
- Upload required documents (as listed above)
Step 5: Fill The Loan Application Form
Click on “Apply for Loan” and fill in the loan application form. This includes:
- Amount required for tuition
- Purpose of the loan
- Monthly upkeep (if applicable)
Ensure you provide accurate information. False details can lead to disqualification.
Step 6: Submit Your Application
Review all your information and click “Submit”.
You will receive a confirmation email with your Loan Application ID.
Step 7: Wait for Approval
NELFUND will review your application. If approved, you will receive a notification and the loan will be disbursed to your school or personal bank account, depending on the structure.
How Much Can You Get from Tinubu Student Loan?
The loan amount depends on:
- Your school fees
- Cost of living in your location
- Institution type (University, Polytechnic, etc.)
Some students may receive just tuition support, while others might also receive monthly upkeep. On average, students can receive between ₦100,000 to ₦500,000 per academic session.
When Will You Repay the Loan?
Repayment starts 2 years after your NYSC or once you secure a job—whichever comes first. You will repay monthly from your salary, and it will be deducted automatically by your employer and remitted to NELFUND.
If you’re self-employed, you’ll be required to remit a percentage of your monthly income.
Important Things To Know Before Applying
Here are a few things to keep in mind:
Loan Is For Education Only
You must use the loan strictly for your education—school fees, books, accommodation, and upkeep. Misuse can lead to penalties.
Stay in Good Academic Standing
If you fail courses or face disciplinary issues, your loan may be suspended or canceled.
Repayment is Mandatory
Even though the loan is interest-free, it must be repaid. Failure to repay can lead to legal action or denial of government jobs in the future.
FAQs About Tinubu Student Loan in Nigeria (2025)
Can private university students apply?
No. Currently, the loan is only for students in public universities and institutions.
Is the loan free money?
No. It is not a scholarship. You must repay the loan, but it is interest-free.
Can I apply every year?
Yes, you can apply every academic year as long as you meet the requirements.
What happens if I don’t get a job after graduation?
Repayment begins two years after NYSC or once you get a job. If you are unemployed, you can apply for repayment deferment through the portal.
Will my school be informed?
Yes. Your institution must verify your admission and academic standing during the application process.
Final Thoughts
Education is one of the most powerful tools for personal and national development. The Tinubu Student Loan in Nigeria (2025) is a great opportunity for students who are financially struggling to complete their studies without stress.