Top 10 List of Nigerian States with the highest number of students applying for NELFUND Loan

An illustration of text with the Top 10 List of Nigerian States with the highest number of students applying for NELFUND Loan and Nelfund logo

The Nigerian Education Loan Fund (NELFUND) was introduced by President Bola Tinubu in the State House Council chamber in July. More than 22,000 students nationally received student loan allocations totaling over N2.5 billion from the federal government, with Southeast Asian colleges conspicuously missing from the list of recipients.

If you are yet to apply for a student loan and in case you are still interested, follow this guide on How to apply for Federal Student Loan 2024 on NELFUND

This has sparked concerns about whether the area was purposefully left out of the plan.

According to NELFUND authorities, the exclusion was caused by the institutions in the region not responding to the requisite verification processes required for the transfer of funding, not by any geopolitical bias. students requesting loans from NELFUND:


1. Kano state

Regarding the number of loan applicants and enrolled students, Kano State leads the Northwest. Among other places, Kano is home to Bayero University. Kano has the highest application rate for the NELFUND loan program (17,122 out of 20,814 registered students), with 82.3% of students applying. This highlights the financial difficulties that students encounter when pursuing higher education.

2. Borno state

The northeastern state of Borno is recuperating from years of warfare. The University of Maiduguri, among other educational establishments, has been a major contributor to this recovery. 13,798 out of 16,353 enrolled students in Borno applied for the loan, indicating a high application rate and a notable 84.4% dependency on outside funding for education.



3. Benue State

The North-Central state of Benue is well-known for its agricultural abilities and for establishments such as Benue State University, Makurdi. 11,754 out of 16,127 enrolled students applied for the loan, indicating a 72.9% need for financial assistance in this rural state.

4. Katsina State

Umaru Musa Yar'adua University is located in Katsina State, which is also in the Northwest. With 10,952 out of 13,538 enrolled students applying for the loan, the state has a high application rate of 80.9%, indicating the need for financial aid among its student body.


5. Kaduna State

North-western Kaduna State is well-known for universities like Ahmadu Bello University in Zaria. Out of 13,873 enrolled students, 10,380 applied, indicating that a significant portion—74.8%—of students in Kaduna rely on NELFUND loans to pay for their education.

6. Plateau State

Plateau State, in the North-Central region, is home to the University of Jos. The state has a strong representation in student loan applications, with 9,328 out of 11,624 registered students applying, constituting 80.3%. This indicates a significant reliance on the loan program to pursue higher education.

7. Oyo State

Prominent academic institutions such as the University of Ibadan and Ladoke Akintola University of Technology may be found in Oyo State, which is located in the South-West area. Only 8,990 of the 14,086 enrolled students applied for the loan, a lower ratio of 63.8% when compared to other states.

8. Adamawa State

The northeastern state of Adamawa is well-known for its diversified population and top-notch educational facilities, including Yola's Modibbo Adama University. 8,977 enrolled students—or 80.0% of the total—of the 11,219 registered students submitted NELFUND loan applications. 

This implies that a sizable percentage of students are looking for financial assistance to help pay for their education.

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9. Yobe State

Yobe consists of numerous academic institutions, including Federal University in Gashua and Yobe State University in Damaturu, which are located in Yobe State, which is also in the northeast. With 8,966 out of 10,398 enrolled students applying or 86.3% of the total, the state's students exhibit a high loan application rate.

10. Taraba State

Nigeria's northeastern state of Taraba is renowned for its abundant natural resources and rich cultural legacy. 


Taraba State University in Jalingo is one of the public universities in the state. Taraba's student population has a substantial financial need, as evidenced by the 8,668 students who applied for the NELFUND loan out of 10,699 enrolled students, or 81.0% of registered students. 

This suggests that Taraba supports the student loan program.

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