[nikonyrh]

Approximate facts from Finland: Bachelors program is 3 years and Masters (which basically everybody does) is extra 2. There was a major shift from direct subsidies to government-backed loans on 2017 but first I'll refer to the benefits I got.

My university fees were about 100 eur / year + books etc. Housing was subsidized by 80% so if you live on the campus on a shared two-bedroom unit you had to pay out of pocket maybe 50 - 60 eur / month. In addition I got a "salary" of 330 eur / month while studying, so not in summer break during which I was doing internship. You can get a student loan as well, up-to 400 eur / month. If you graduate on time the government will pay 40% of your student loan on the part in the excess of 2500 euros.

Under the new system students get paid 250 eur / month + the 80% housing cost (up to a limit), and can get up-to 650 eur / month loan. You are expected to work during the summer and there are still no benefits. If you graduate on time the government will pay 30% of your student loan on the part in the excess of 2500 euros.

After graduating and working for some years you can expect a salary of 3500 - 4500 eur / month which is about 2500 - 3000 eur / month after taxes. Here the salary differences are very small across jobs and tax progression is fairly high as well. Add employer's expenses and 24% VAT and then hardly anyone can afford to hire someone to clean their home once a month so everybody does it themselves instead.

Finnish source: https://fi.wikipedia.org/wiki/Opintotuki