The idea of it is, you go to university to be able to get a well paying job

Once you graduate, and get that job, you should have no problem paying them back. It’s not the government’s fault if you went to university for a degree without actually looking into the types of jobs you’ll be able to obtain and its salaries just because you wanted to pick something you’re passionate about. Save that as a Hobby. If you went for an arts degree, there’s a good chance you’d have trouble paying it back, so be prepared for that. Research jobs/salaries you can get with it before you pick a degree. You can get student loans, you don’t have to pay it back all at once. You should manage. If you’re paying that much money to attend school, make sure it’s a degree that’s actually worth your time. In return, you’ll be able to get a well paying job and a secure future. I’m not saying that some degrees are useless, because everyone has a different view on importance. However, when it comes to employment, some are far more useful than others.