Jesus christ, it is still cheaper...
Whether someone can afford to do it up front does NOT mean it isn't cheaper - it still is. If there is a car that can be £100,000 but you have to pay up front, or £1,000,000 but you get loans to pay for it at first, the £100,000 is STILL cheaper - that won't change.
Cost of living may be higher, but are you telling me it is £8,000 per YEAR cheaper (than say... London?)







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but none of these options are available to international students, at least not in the first year!