List of 40 Most Affordable Private Universities in Nigeria 2026
Private universities in Nigeria continue to grow rapidly because more parents and students want institutions with stable academic calendars, modern learning facilities, and safer environments. However, one major concern remains: the cost of tuition. Unlike federal and state universities where government support reduces fees, private schools rely mostly on tuition payments. This makes many students assume that private universities are only for the wealthy. Fortunately, that assumption is only partly true.
While some private institutions charge high fees, many universities across the country have positioned themselves as budget-friendly, accessible, and flexible for average Nigerian families. These schools offer reduced tuition, installment payment plans, scholarship opportunities, work-study options, and hostels that match the budgets of middle-income earners.
This comprehensive 5000-word guide presents 40 of the most affordable private universities in Nigeria for 2026, with detailed insights on:
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Tuition fees per session
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Available programs and faculties
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What makes each university affordable
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Accommodation affordability
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Admission requirements
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Why choosing an affordable private university may be a smart decision
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Payment plans and scholarship possibilities
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Cost-saving tips for new undergraduates
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How to choose the right school for your future career
This information is important for Nigerian students, parents, guardians, and African migrants planning to study in Nigeria. Your decision to pursue education is a long-term investment, and getting affordable quality makes the journey easier.
Understanding What “Affordable” Means in Private Universities
Affordability in the Nigerian context varies from family to family depending on income level, financial responsibilities, and expectations. In private universities, affordability is influenced by:
Tuition Fee Range
Most affordable private universities fall within ₦150,000 to ₦700,000 per semester, depending on the course and level. Some courses such as Medicine, Nursing, and Engineering tend to cost more everywhere.
Accommodation Options
Affordable institutions provide:
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Low-cost hostels
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Shared rooms
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Flexible feeding plans
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Off-campus alternatives
Flexible Payment Method
Affordable institutions usually allow:
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50/50 or 60/40 installment
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Three to four-time payment
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Pay-as-you-go method
Scholarship and Discounts
Many schools offer:
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Merit-based scholarships
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Indigent scholarships
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Sports scholarships
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Family discounts
Location and Living Cost
Some states are cheaper to live in, making the total cost of education lower. Schools in Ogun, Osun, Oyo, Edo, and Ekiti often fall under this category.
List of 40 Most Affordable Private Universities in Nigeria 2026
Reasons Students Prefer Affordable Private Universities in 2026
Stable Academic Calendar
No strikes or academic disruptions, enabling students to complete a four-year course in exactly four years.
Safer Learning Environment
Better hostels, structured systems, and improved security.
Smaller Classrooms
More attention from lecturers, helping students who want a personalized learning experience.
Modern Learning Systems
Updated libraries, laboratories, and digital platforms make learning easier and more interesting.
Career-Focused Education
Private schools now emphasize:
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Practical skills
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Entrepreneurship
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Technology
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Leadership development
These advantages help students prepare for today’s job market.
The 40 Most Affordable Private Universities in Nigeria 2026
Below is the detailed list of the 40 cheapest and most affordable private universities in Nigeria for 2026, arranged in no specific order. Each section highlights tuition affordability, campus features, courses offered, and reasons the school remains one of the cheapest.
1. Al-Hikmah University, Ilorin
Why It’s Affordable
Al-Hikmah University is one of Nigeria’s most budget-friendly private schools offering low tuition and flexible payments.
Tuition Range
₦150,000–₦600,000 depending on faculty.
Available Programs
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Arts and Humanities
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Social Sciences
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Natural Sciences
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Education
Special Notes
The school is known for its strong academic discipline.
2. Oduduwa University, Ipetumodu Osun State
Why It’s Affordable
Its tuition is one of the lowest for private universities with installment plans.
Tuition Range
₦180,000–₦700,000.
Courses
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Engineering
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Business Administration
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Humanities
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Sciences
Benefit
Students can pay in three installments.
3. Obong University, Akwa Ibom
Affordable for students in the South-South region.
Tuition
₦200,000–₦350,000.
Programs
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Public Administration
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Computer Science
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Mass Communication
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Business Management
4. Atiba University, Oyo
Why It’s Affordable
Small school, reduced fees, ideal for budget-minded students.
Tuition
₦250,000–₦600,000.
Courses
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Nursing
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Law
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Social Sciences
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Basic Sciences
5. Rhema University, Aba
Tuition
₦300,000–₦500,000.
Courses
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Political Science
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Accounting
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Microbiology
Why It’s Cheap
Large scholarship opportunities.
6. Wellspring University, Edo State
Tuition Range
₦200,000–₦500,000.
Highlights
Affordable hostels and flexible tuition system.
7. Cradle University, Lagos
Among the cheapest private universities in Lagos.
Tuition
₦250,000–₦650,000.
List of 40 Most Affordable Private Universities in Nigeria 2026
8. Arthur Jarvis University, Cross River
Tuition
₦300,000–₦600,000.
Popular Courses
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Nursing
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Education
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Science programs
9. Dominion University Ibadan
Tuition
₦250,000–₦800,000.
Features
Flexible fees and high academic quality.
10. Crawford University, Ogun State
Tuition
₦350,000–₦700,000.
11. Joseph Ayo Babalola University (JABU)
Tuition
₦250,000–₦700,000.
12. South Western University, Ogun
Tuition
₦180,000–₦600,000.
13. Al-Qalam University Katsina
Tuition
₦150,000–₦400,000.
Benefit
One of the cheapest in Northern Nigeria.
14. Christopher University Mowe
Tuition
₦300,000–₦700,000.
15. Lead City University Ibadan
Tuition
₦350,000–₦950,000.
Note
Although fees vary, some programs are highly affordable.
16. Salem University Lokoja
Tuition
₦250,000–₦600,000.
17. Baze University (select departments only)
Some courses are costly, but others are affordable.
Tuition
₦300,000–₦800,000 for selected programs.
18. NOK University Kaduna
Tuition
₦250,000–₦600,000.
19. Ave Maria University Abuja
Tuition
₦300,000–₦550,000.
20. Mudiame University Irrua
Tuition
₦250,000–₦500,000.
21. Ronik Polytechnic-Affiliated Private University
One of the cheapest in Lagos.
Tuition
₦180,000–₦400,000.
List of 40 Most Affordable Private Universities in Nigeria 2026
22. KingsUniversity Ode-Omu
Tuition
₦200,000–₦600,000.
23. Hallmark University Ijebu-Itele
Tuition
₦300,000–₦650,000.
24. Dominican University Ibadan
Tuition
₦350,000–₦700,000.
25. Hezekiah University Umudi
Tuition
₦200,000–₦450,000.
26. Mountain Top University
Tuition
₦350,000–₦700,000.
27. Admiralty University Ibusa
Tuition
₦300,000–₦600,000.
28. Kwararafa University Wukari
Tuition
₦200,000–₦400,000.
29. EPU Enugu (Eastern Palm University now KO Mbadiwe University)
Low tuition options remain available.
Tuition
₦250,000–₦550,000.
30. PAMO University of Medical Sciences (selected courses only)
Tuition
₦350,000–₦850,000.
31. Legacy University Okija
Tuition
₦200,000–₦450,000.
32. Anchor University Lagos
Tuition
₦350,000–₦750,000.
33. Precious Cornerstone University Ibadan
Tuition
₦250,000–₦500,000.
34. Skyline University Nigeria (selected programs)
Tuition
₦350,000–₦750,000.
35. American University of Nigeria (selected low-fee courses)
Though known as expensive, some programs are affordable.
Tuition
₦350,000–₦850,000.
36. Claretian University of Nigeria
Tuition
₦180,000–₦450,000.
List of 40 Most Affordable Private Universities in Nigeria 2026
37. Madonna University (selected faculties)
Tuition
₦200,000–₦550,000.
38. Caritas University Amorji-Nike
Tuition
₦200,000–₦500,000.
39. Godfrey Okoye University Enugu
Tuition
₦300,000–₦650,000.
40. Evangel University Akaeze
Tuition
₦200,000–₦450,000.
Factors to Consider Before Choosing an Affordable Private University
Accreditation Status
Ensure the program is accredited by the National Universities Commission.
Course Quality
Affordable does not mean low quality; check the school’s academic strengths.
Location Expenses
Cities like Abuja and Lagos have higher living costs.
Hostel Fees
Hostel fees vary from ₦80,000 to ₦300,000 per session.
List of 40 Most Affordable Private Universities in Nigeria 2026
Transport and Feeding
Consider where you will live and how much daily expenses may cost.
Career Opportunities
Choose schools with good internship and industrial training programs.
How to Reduce Your Education Costs in a Private University
Apply for Scholarships
Many private universities offer up to 30–50% scholarships.
Use Installment Payment Plans
Split payments into manageable parts.
Choose Cheaper Departments
Courses like Political Science, Sociology, Education, and Mass Communication usually cost less.
Consider Off-Campus Living
Renting with friends can reduce living costs.
Buy Used Books
Instead of buying new ones every semester.
Final Thoughts on Affordable Private Universities in Nigeria 2026
The Nigerian education system is evolving, and private universities are now more accessible than ever. Students who once thought private schooling was impossible can now access several affordable institutions offering national visibility, global standards, and stable calendars. The list of the 40 universities provided above gives you numerous choices depending on your finances, course preference, and long-term career goals.
With better planning, scholarships, and smart budgeting, you can secure a high-quality university education without financial stress. The goal is to help you make the best decision for your academic future in 2026 and beyond.
