Uganda, April 24 -- Today's economic hardship is real, with many Ugandans, especially teachers, feeling the pinch. The burden of debt is palpable, and it is affecting the quality of education. With salaries stretched thin, borrowing has become a survival tool. But the cycle of repayment pressure is taking a toll. Teachers are stressed, anxious, and distracted, impacting lesson planning, teaching, and student support.

In Nakasongola District, for example, many have turned to multiple loans, desperate to stay afloat, only to end up trapped in a cycle of debt. Mr Owen David Kajura, a primary school teacher, knows this struggle all too well. Since 2014, Mr Kajura has been juggling bank loans, occasioned with hefty monthly salary de...