Education in Nigeria can be financially challenging, but the Federal Government is easing the burden through the Nigerian Education Loan Fund (NELFUND). In 2025, eligible students in public tertiary institutions can access interest-free student loans to support their academic journey. This guide outlines the full application process, eligibility criteria, documents required, and repayment terms.
What is NELFUND?
NELFUND (Nigerian Education Loan Fund) is a federal initiative established to provide interest-free loans to Nigerian students in need of financial aid. It covers tuition and other academic-related expenses for students enrolled in government-owned tertiary institutions.
Who is Eligible for NELFUND Loan 2025?
To qualify for the 2025 NELFUND loan, applicants must meet the following criteria:
- Be a Nigerian citizen
- Be enrolled in a federal or state-owned university, polytechnic, college of education, or vocational school
- Have their institution submit student data to NELFUND
- Demonstrate financial need
- Maintain good academic standing
- Have a valid JAMB registration and admission record
Note: As of early 2025, the loan is primarily open to students in federal institutions, with state schools to be added later.
Required Documents for Application
Ensure you have the following before starting your application:
- JAMB Admission Letter
- Matriculation Number
- National Identification Number (NIN)
- Bank Verification Number (BVN)
- Valid email address
- Institutional invoice or statement of school fees (if available)
Step-by-Step Guide to Apply for NELFUND Student Loan 2025
Step 1: Visit the Official Portal
Go to the NELFUND official website: Click here
Or directly to the student loan portal:
https://portal.nelf.gov.ng/auth/login
Step 2: Start a New Application
Click on “Apply Now” and then “Get Started” to begin your loan request.
Step 3: Confirm Your Eligibility
Answer a few questions to confirm you are a Nigerian and a student in an eligible institution.
Step 4: Verify Your Institution Details
Input your matriculation number to check if your institution has uploaded your data to NELFUND.
Step 5: Authenticate via JAMB
Click “Verify with JAMB” and enter your JAMB registration number. If your JAMB record isn’t linked with NIN, you may be prompted to validate using your NIN instead.
Step 6: Create a NELFUND Account
Enter your email and set a password to create your profile. A verification link will be sent to your email.
Step 7: Verify Email and Log In
Check your inbox for a confirmation email. Click the link to activate your account, then return to the portal and log in.
Step 8: Upload Documents and Submit
Upload the required documents, review your information, agree to the terms and conditions, and submit your application.
Loan Features and Repayment Terms
- Loan Type: Interest-free
- Coverage: Tuition and academic-related costs
- Grace Period: Repayment begins two years after NYSC
- Repayment Method: Flexible deductions based on income
Important Tips for Applicants
- Apply early to avoid last-minute delays.
- Use accurate information that matches your JAMB and school records.
- Make sure your institution has submitted your data to NELFUND.
- Watch out for scams—the entire process is free and only available on the official portal.
Frequently Asked Questions (FAQs)
Q1: Who can apply for NELFUND loan?
Only Nigerian students in federal and approved state-owned tertiary institutions who demonstrate financial need.
Q2: How much can I borrow?
The exact amount depends on your tuition and institutional charges submitted to NELFUND.
Q3: Is there any interest on the loan?
No. The NELFUND student loan is completely interest-free.
Q4: When will repayment start?
Repayment begins two years after NYSC, giving you time to secure employment or income.
Q5: Can I reapply if I miss the deadline?
You’ll need to wait for the next application window. Stay informed by visiting Click here regularly.
Conclusion
The NELFUND Student Loan 2025 offers a golden opportunity for Nigerian students to pursue higher education without financial constraints. By following this guide, you can confidently complete your application and secure funding for your academic success. Stay updated with your institution and always rely on official sources for information.
