As another commenter wrote, taking a student loan in Sweden is so beneficial that you would take it even if you don't need it because just taking it and buying funds or stock with it would give you free money.
There are even standard savings accounts that have a higher interest rate than the student loan
Don't think they do anymore though. Most savings accounts have like 0% or like 0.1%
One difference is that the student loans in Sweden are controlled by the government and have a very low interest rate (it's 0.05% currently). It'd be foolish not taking that loan.
That is a big difference!
I think the argument goes something like this: if the state lends money to allow more people to educate themselves, then in the future those people will be earning more money and then be paying higher taxes. Therefore the interest on the loan does not need to pay it of, the increased income to the state from taxes need to pay of the loans.