Shen and Ziderman (2008) carried out a research about education loans sponsored by universities and the governments of about 39 countries. They made extensive research into the all these countries and the repayment ration comparison among these countries. They found out that the repayment ration is very about 40% in almost countries and this has made the students who were the loan recipient earn less for themselves and more to repay their studies. It is also correct that the value of the education they received after ten years is less compared to the new advancements, which makes their progress in future life halt at a point as they are competing with newly educated line of students, and at the same time continue paying interest on their education they received 10 years back. HMO (2003) identified that a typical higher educated student can earn as much as 50% higher than the ones how only took a graduation certification or remained non-graduates. Chevalier and Conlon (2003) stated that, since higher education has a better return on investment provided and earned by the student, they have lobbied several times to hike their fees for higher education. Moreover, these universities believe that it is their right to charge a higher fee because the quality of education being provided is not cheap and comes with a heavy price tag. This indicates the over expectations of the faculty teaching higher education, who would agree that the student take a loan and pay them but may not bend to decrease their fees to some extent to provide relief to the students.