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Bramble 1 point ago +3 / -2

Australia has a decent system here.

Each citizen student gets 70k AUD lifetime loan. You get like 20k more if you choose to go into medicine as a graduate. Once you're tapped out that's all you get, too bad.

No stupid levels, no income requirements, no skin color requirements.

It's a low interest loan pegged to inflation. Repayment is handled through their tax bureau, and all income you make over 45k AUD is taxed at an additional rate of 5% that goes towards the loan.

There is no forgiveness, no forgetting, none of that. It's a simple and effective system.