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		<dc:creator><![CDATA[Uduak Effiong]]></dc:creator>
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					<description><![CDATA[AN EXAMINATION OF THE FACTORS AFFECTING STUDENTS ACCESS TO STUDENT LOAN SCHEME IN NIGERIA. CHAPTER ONE INTRODUCTION Background of the Study Throughout history, the higher education and financial assistance systems have undergone substantial changes aimed at making education more accessible and reducing students&#8217; financial burdens. Starting with charitable scholarships during colonial times and evolving into [&#8230;]]]></description>
		
		
		
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