[candiodari]

The US model is in force (with variations) in the Netherlands, the UK, Denmark, Northern Ireland, Latvia, Iceland, Hungary, and for that matter, Australia. The conditions vary greatly, and I'm sure I've missed some.

The European commission already tried to swap all systems for a loan based one twice.

Which "European model" are you talking about ? If there is any of the models worthy of being called "European model", surely it'd be the commission's model, which would be the US model (with the state going after students who fail to pay, not sure about bankruptcy cases).

[ajmurmann]

I think the model torviking and I were contrasting with US is not how you pay for education but around facilities and culture at universities. Do the countries you listed have universities with lots of facilities that aren't directly related to learning, strong emphasize on university loyalty with fraternities, sports teams everyone celebrates etc?