| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | student debt | Nordic countries | Less stigmatized due to welfare state support and free education | 1 |
| 2 | student loans | Nordic countries | Higher education is often free or heavily subsidized, leading to minimal need for student loans | 1 |
| 3 | student loans | Scandinavian countries | Government-funded grants and low tuition fees reduce reliance on student loans for education | 1 |