I am not saying you are getting a good deal or a poor one; just that you should be aware that "free" isn't the deal you are getting.

As far as 10's of thousands in debt, actually you do have that debt, in a socialized form. You will be paying it back as part of your taxes for the rest of your life.

In Finland 43.5% of GDP is collected in the form of taxes, in the US 28.5%. So you are paying 15% of your income for the rest of your life for these services.

The money has to come from somewhere.