i don't understand why 1st world countries complain about student loans. i don't know much about it but i am reacting to what is obvious. you have a chance to get a loan to finance your studies and of course pay for it later. 3rd world countries don't have that. your lucky if your parents can send you to school. if not then you have to work your ass out to finance your own education. some juggle working in the morning and studying at night, some defer studying and work first to be able to save for tuition fee, some had to stop working in order to help their family send younger siblings to school or younger siblings have to stop studying to allow their older sibling to finish school and help them. People should learn to appreciate what you have.