Exactly. People get too fixated on the amount of money, rather than the real amount they'll be paying back. If you don't do too well after uni, you'll be paying very little to nothing back, if you do do well, you'll pay quite a bit back, but comparatively nothing to what you actually do earn and gain from going.
Depending on how you work after uni you can also perfectly legally work out your tax returns so you never pay any of it back.
I'm no wheeler dealer. Fack awff.