And, I would think that running the system that way is actually cheaper and more efficient than the US way where we seem to be moving towards individually accounting for every dollar of education for payback - all while the overall system spirals out of cost controls. It's much simpler to supply gov't budgets direct to public schools with oversight for spending.

Vs open loans which little cost accountability. (well accountability via students for which this is the most extensive, longest term, financially complex, with highly variable ROI purchase they will have made in their life so far...)