It was a hot Tuesday afternoon in August, and Madam Taiye sat in her living room, watching her three children scatter Lego bricks all over the floor. The kids were on summer holiday, their laughter echoing through the house. But behind her smile, Taiye’s mind was already restless. September was around the corner, and with it came the long list of back-to-school expenses: tuition fees, new uniforms, textbooks, transportation, and…