| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | student loans | academic culture in the US | Loans taken out to pay for educational expenses, which students are expected to pay back with interest | 1 |
| 2 | student loans | academic culture in the US | Student loans can be a significant financial burden for students, and the repayment process can impact their post-graduation plans | 1 |