Interestingly, the model of funding for University here in the UK is that students can take a low interest rate loan to cover the fees (around £8500 per year) and only have to pay it back when they graduate and are earning above a certain threshold (around £18k per year, currently). Many still need another loan to cover living costs if they can't work or parents can't afford to support their kids, but there is some sort of acknowledgment that the fees aren't immediately payable if the graduate isn't earning.

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