In Germany, it’s simple:<p>1. If your parents earn enough to finance you studying, you won’t get a loan<p>2. The loan is limited to 800$ a month<p>3. If you fail too many courses, the loan is cancelled.<p>But:<p>4. You only have to pay back in months in which you earn over 30k€ per year<p>This allows the loans to be a lot less risky.<p>I’d argue this is a much better system than what I read about the US tuition system, especially for the students.<p>(Obviously, the large supply of free governmentally paid universities help drive the price down, too.)