As I understand, in Finland universities are not private so there is no "negotiation between the state and the universities". Also, there is no tuition and stud

As I understand, in Finland universities are not private so there is no "negotiation between the state and the universities". Also, there is no tuition and students get stipends from the government while studying and can additionally take cheap loans if they need more income for their expenses. The question should not be "what is different between the systems?" but "what, if anything, is similar?".