$30K is the loan which is usually 1-2% APR. In Finland, which more or less copies Sweden policies, also gives you subsidized housing (50% or around 250€, which ever is less, median where I went to was around 400€ for 1bd apartment), subsidized food (2€ lunch and dinner every day of the week, median lunch when eating out is around 10€), and around another 250€ a month in general student aid. There are also a lot miscellaneous student discounts for public transportation and it is common for private companies to also offer a slight discount to students only.