Articles & guides
Guides, tips, and plain-English explainers about the Android apps we publish — written to be practical and easy to follow.
What Pausing Your Federal Student Loan Payments Really Costs
Pausing federal student loan payments does not pause the interest, so a twelve-month pause on $30,000 at 6.52% adds about $1,956. If that…
Getting a Federal Student Loan Out of Default: Rehabilitation or Consolidation?
Rehabilitation takes nine voluntary payments made within ten consecutive months and removes the default from your credit report, while…
Federal Student Loan Delinquency and Default: What Happens, and When
A federal student loan is delinquent the day after a missed payment and goes into default after about 270 days of non-payment, with credit…
NELFUND Scams: The Upfront Fee, the Fake Portal, and the Fake Agent
NELFUND never asks for any payment before disbursement, so every request for an upfront fee is a scam, and the only place to apply is…
The NELFUND Upkeep Allowance: How Much You Get and How to Make It Last
NELFUND upkeep is a monthly stipend paid to the student, separate from the institutional charges paid to your school, and it must be…
How to Apply for a NELFUND Student Loan, Step by Step
You apply for a NELFUND student loan in three stages on the official portal: verify your identity, complete the application, then wait for…
NELFUND Eligibility in 2026: Who Qualifies, Who Does Not
You qualify for a NELFUND loan if you are a verified Nigerian citizen admitted to a PUBLIC tertiary institution — a federal or state…
NELFUND Loan Repayment: How the 10% Salary Rule Actually Works
NELFUND repayment starts two years after you complete NYSC and takes 10% of your gross monthly income, deducted at source. The loan is…