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The paper studies the relation between different national cost-sharing models and how students from different socio-economic backgrounds finance their higher education in six different European countries: the Czech Republic, England, Germany, the Netherlands, Norway, and Spain. The findings reveal considerable differences both between the countries and also between different socio-economic groups of students within each country. Even though there are only small social differences in the students' level of income, there are considerable social differences in the students' sources of income. The findings are discussed related to the country's specific policy and higher education funding structures. [ABSTRACT FROM AUTHOR]