How to manage university fees in Nigeria

Getting a university education in Nigeria is a dream for many young people, but one major challenge most students face is the cost. School fees, accommodation, textbooks, and other expenses can put a lot of pressure on students and their families. However, with proper planning and smart choices, managing university fees is possible.

1. Create a Budget and Stick to It

The first step to managing university fees is knowing exactly how much you need and how much you have. Write down all your expected expenses — tuition, hostel rent, feeding, and study materials. Compare that with your sources of income such as allowances, scholarships, part-time work, or help from relatives. When you see everything clearly, it becomes easier to control your spending and avoid unnecessary costs.

2. Apply for Scholarships and Grants

There are many scholarship opportunities for Nigerian students offered by the government, private companies, and international organizations. Examples include the MTN Foundation Scholarship, NNPC/Total Scholarship, and federal/state bursary awards. Applying for these programs can greatly reduce your financial stress. Even if you don’t win on your first try, keep applying — persistence pays off.

3. Consider Part-Time Jobs or Online Tasks

Students can earn extra income by taking small jobs during their free time. This could be tutoring, freelancing, selling simple products, or completing online micro-tasks on platforms like OwoDaily or Konnect. The goal is not to make millions, but to support your daily needs so that your parents or sponsors can focus on paying the major fees.

4. Cut Down on Unnecessary Expenses

Sometimes, we spend money on things we don’t really need — frequent outings, expensive gadgets, or daily fast food. Learning to differentiate between wants and needs is very important. Cooking your meals, buying used textbooks, or sharing accommodation with a friend can save you a lot of money over time.

5. Pay in Installments When Possible

Some Nigerian universities allow students to pay school fees in installments. If you’re struggling with full payment, reach out to the bursary or student affairs office to ask about this option. It’s better to pay gradually than to miss an entire semester because of financial difficulties.

6. Save Early and Consistently

If you already know you’ll be paying fees soon, start saving early — even small amounts can add up. You can use digital savings apps like PiggyVest or Opay’s savings plan to keep your money safe and separate from your daily spe

nding.

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