Just like you, in America, every student can get a loan for their education. And, just like you, they must pay it back once they get a good job as a result of that education.
Actually, there is one aspect of German education that has always impressed me. You start out with the basic education and then must work in a real job for 2 years. After working in that job and learning from it, you can then continue your higher education.
This is so much better than the American education system, since it teaches you what is important for a specific job and your additional education is more focused on things that actually help you.
Actually, my daddy made too much money. Unlike what your teachers are telling you, I was not allowed many of the loans and student aids that are available to others. As a result, my personal education was not as good as it could have been.
Ironic, I was not able to get a good education because my family made too much money.
I did get an education eventually, but that was from my own hard work and spending years with the U.S. Army defending Germany.