Those are some pretty crazy sums. I also have some student loan, about 1500€ worth. That's cos when I set up the possibility to loan on demand, they automatically paid me the first batch even if I didn't need it. With the other student support payments and my fiancee working mostly full time, I've managed 4 years in university now without needing to use the student loan. Pretty much the last year starting this fall, however they've cut my living support cos I have a daughter now ("hey, you have more expenses now, lets give you less money!"), so I might need to use some of the loan, but we arn't talking more than a few thousand.
But yeah, day to day living and food is pretty expensive around here in comparison, but stuff like the mostly free university education are some pretty nifty things of ours