It's not free here but it may as well be - they have a great scheme where the Government pays and you pay them back later. No interest (as far as I know) and only if/when your income reaches a certain level. It's taken out in bits from the tax you pay. Excellent system and very fair.
I could go back and do a Masters or something but I don't really see the point at my age. I'm not sure I could be bothered tbh or whether I could deal with the hassle of essays etc. I did it when I was younger but my mental health situation is worse now.