Masaiti, Gift, Kapambwe Mwelwa, and Nelly Mwale. “Shifting from Government Bursaries to a Loan Scheme in Higher Education: Exploring the Zambian Experience in Student Financial Aid”. International Journal of African Higher Education 2, no. 1 (March 19, 2016). Accessed May 21, 2026. https://www.ejournals.bc.edu/index.php/ijahe/article/view/9260.