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How to Apply FG Students' Loan for Tertiary Institutions


Applications are now accepted for the Nigerian Education Load Fund (NELFUND) for students in public tertiary institutions within the country.

The student load initiative is a programme established by the federal government of Nigeria to break financial barriers in higher education.


Benefits of Student Loan Initiative

  • A path to educational accessibility without financial hurdles
  • Interest-free loans for tuition fees
  • Equal access to higher education for all eligible candidates.
  • Reduced financial stress on students and families

How to Apply for NELFUND Student Loan

Step 1

Register on the Student Loan Application Platform by clicking the “APPLY NOW” button to get started

Step 2

Proceed to your student loan application, select either tuition/institutional fee, upkeep or both.

Step 3

Your student loan get approved and disbursed to your school account or yours in minutes.

Step by Step Procedures

Step 1: visit
Step 2: Click on the "Apply Now"
Step 3: Click on “Get Started”
Step 4: Answer the questions on this page to continue by clicking on “Yes, I am a Nigerian” 
Step 5: Verify your educational information. You would be required to select your school from a dropdown and provide your matric number to check if your school has uploaded your details. 
Step 6: Click the “Verify with JAMB” and enter your JAMB details in the screen.
(Students whose NIN has not been registered with JAMB will have an input field where they can enter their NIN for validation.)
Step 7: Create an account by entering your Email address, Password and Confirm Password in the fields provided and click “Create Account”.
Step 8: Click the email verification link sent to your email.
This concludes the process of creating an account.

After successful registration, log in by clicking the “LOGIN” button.
Step 1: Enter your email address and password to Login.
Step 2: Click on the “Proceed to Contact Details" button.
Step 3: Update contact details with the current information of your Phone Number, Full Residential Address, State of Residence and Local Government Area of Residence and click “Proceed to Educational Details”
Step 4: Update your educational details by selecting your Higher Institution and inputting your Matric Number, then click “Proceed to Account Details”
Step 5: Verify your BVN by entering your BVN, select your Bank Name and enter your Account Number. Click “Save Changes” to complete your profile.

Step 1: Click on the “Request for Student Loan” button at the top right of the screen on the home or loans page after logging into the application.
Step 2: If you want an upkeep loan, click the check box, and click Continue, if all you need is the institutional charge, click the “Continue” button.
Step 3: Upload supporting documents. The admission letter is compulsory which the Student ID and Institution Invoice are optional.
Click the checkbox for the policy and declaration and click “Continue”
Step 4: Read the loan overview and click the check boxes for both the Terms & Conditions and GSI Mandate then click “Submit Application”
Step 5: Click on the “Loans” button to view the status of your application

Also See: Kevron Group Announces Scholarship for Undergraduate Students | How to Apply

Frequently Asked Questions

Under what circumstances would NELFUND deny an application?

if such an applicant is: Proven to have defaulted in respect of any previous loan granted by any license financial institution; Found guilty of submitting fake/fraudulent documents and dismissed for exam malpractices by any school authority; and Convicted of fraud and forgery, drug offences, cultism, felony, or any offences involving dishonesty;

Are there any documents to upload during the application process?

Yes. Scanned admission letter for new students (compulsory), scanned Student Identification Card (optional).

Is there any appeal process when an application is denied?

A complaint can be raised from the portal, or you can send an email to the NELFUND

What are the consequences of defaulting on the loan?

Deliberate default could result in penalties, legal action, and potential damage to your credit score.


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