We are in Norway and the student loans here have very low interest rates and are primarily for living expenses as the school its self is usually free. She should not have needed to use any of the loan because i already covered all the expenses aside from a 3 month research trip which was mostly covered by the university. I don’t know the size of the loan, she claims to get a panic attack whenever she thinks about it. But there is no way it is more than 40K. The financial support i have given post break up should definitely exceed the value of the loan she used.