| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | medical school debt | Germany | In Germany, medical school is often more affordable, with lower tuition fees and various financial aid options, resulting in less significant debt for students. | 1 |
| 2 | student debt | Germany | Less common as higher education is often publicly funded or has lower tuition fees | 1 |
| 3 | student loans | Germany | Higher education is often free or heavily subsidized, leading to minimal need for student loans | 1 |
| 4 | student loans | Germany | The focus is on avoiding student loans to prevent financial hardship, and higher education is structured to minimize the need for loans | 1 |