Bet you wish you were in Australia. No up front fees at all to complete a university degree. You pay later in extra tax once you have a job earning in excess of $45,000 per year. At $45,000 you pay an extra 4% tax on top of normal income tax. It goes up to an extra 8% tax if you earn over $83,000. I had all my uni fees paid off by the time I was 30 and it was a nice little pay rise not having to pay that extra tax anymore!