“…It is against this background that a small-scale study was undertaken on the student loans system in Tanzania (Kossey and Ishengoma, 2017;Nyahende, 2017Nyahende, , 2013Nyirenda, 2016;Ally, 2015), drawing from international experiences of student loans finance (Dary and James, 2019;Salmi, 2003;Chung, 2003;Woodhall, 2002a;Nortey, 2002;Woodhall, 1983), discourses on financial aid schemes for HE students (Woodhall, 2002b;Irina, 2002), and debates surrounding the efficacy of student loans in increasing the supply of HE finance (Ziderman, 2004(Ziderman, , 2002Woodhall, 2003a). The study aimed to answer the following key questions:…”