A Senior Lecturer at University of Ghana's department of Political Science says the two year period set for the repayment of the no guarantor student loan proposed by the NPP government is not feasible.

Dr Isaac Owusu Mensah said not everyone who completes his or her tertiary education immediately finds a job, therefore, many beneficiaries of the loan might not be able to raise enough money to pay for the loan within the given two year period.

"For the payment, it's certainly not going to be two years," he told Winston Amoah on Joy FM's Super Morning Show, Monday.

The New Patriotic Party at its 2020 manifesto launch held in Cape Coast over the weekend mentioned among its policies a no guarantor loan system for tertiary students.

The incumbent government has promised to offer tertiary students loans which will not require any guarantor but with the Ghana card as a surety.

However, these students will be required to pay for the debt within a given period of two years.

Dr Owusu lauded the policy, nonetheless, he said the period for repayment will be a limit to the policy.

He argued that it will be possible for the lucky few who will be able to get a job right after completing tertiary education, however, the others who do not find jobs immediately or would want to pursue other dreams might not be able to pay.

He said given that a student, after completing the University and getting a first-class degree will proceed with completing the National Service.

Dr Owusu said after serving the state, "the person may want to or have the opportunity to do a second degree. The person will be required to spend two years there, then, the opportunity to do the PhD which requires a minimum of three years will follow."

Adding all these years, Dr. Owusu said it will amount to nothing less than five years for a person to finish their education, therefore, "such a person is not going to pay the debt in the next two years, " he said.

"So certainly there will some challenges with the payment of fees in relation to the time required but I think that it is a good policy," he added.