This research aimed at (i) identify online educational resources mostly used by students of tertiary institutions in North-west, Nigeria. (ii) Examine the tools mostly used by students to access online educational resources available in tertiary institutions in North-west, Nigeria, and (iii) find out the problems that hinders access and utilization of online educational resources in tertiary institutions in North-west, Nigeria. The descriptive research design of survey type was employed for the study. The population sample was three hundred and thirty - three students of tertiary institutions in the zones. Three research questions were generated while one hypothesis was tested at 0.05 level of significance. The instrument employed for the study was a researchers designed questionnaire and a checklist. Percentage, multiple-regression, Pearson, Product-Moment correlation were used to analyze the collected data. The findings of the study revealed that: the online educational resources mostly used by students of tertiary institutions in North-west Nigeria were Google, Facebook, Yutub and so on while the available online educational resources tools to access the online educational resources were mostly cell phones, smart phones and laptops which were grossly inadequate. The problems that hinder access and utilization include lack of constant network, high cost of online accessibility, poor power supply and so on. The study concluded that majority of the students are aware of the availability of these on line resources but its accessibility and utilization were inadequate due to ignorance and other factors. It is recommended that administrators of tertiary institutions should strive to make available to students other varieties of online educational resources among others.