| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | student debt | Australia | University tuition fees are subsidized by the government, reducing the need for large student loans | 1 |
| 2 | student loans | Australia | Student loans are widely used due to the high cost of education and the availability of loan programs | 1 |
| 3 | student loans | Australia | Student loans are often considered an investment in future earning potential | 1 |