When I was in college ..

When I was still in college, I was fortunate enough not to have taken student loans because our university was then subsidized by the government; and so our tuition fee was really quite small. However, after a few years we were forced to pay higher tuition fees, specially for those with laboratory subjects.

I must admit, some of my classmates were forced to avail of those student loans, but it's a good thing they all managed to pay them off before the semester ended. They also graduated on time! :)