The annual payment on my Swedish student loans is calculated from my income (it's 4 or 5%) and when I hit 65, the debt is forgiven. They still accumulate intere

The annual payment on my Swedish student loans is calculated from my income (it's 4 or 5%) and when I hit 65, the debt is forgiven. They still accumulate interest though, so it's not until last year, 12 years later (but on grad student/postdoc salary) that I've started paying off even the interest. Apparently the government realized they will be stuck with a huge hit around 2035, because they have since changed the terms of student financing to constitute a larger fraction straight grants, but if you do take out loans, the terms are much more strict.