I propose that the government introduce a system of 'virtual tuition fees' to optimise higher education.
 
Proposal:
Each faculty should evaluate each study programme. At the beginning of the academic year, each full-time student is granted a virtual credit equal to the value of the studies. The credit is repaid by passing examinations. As each study programme also has a course-by-course evaluation, the student is already aware at the time of enrolment of exactly how much of his/her studies are to be repaid by the successful completion of each examination.
The order in which the examinations are taken is not important and the existing 3 free periods for each examination are maintained. It is important for the student to pass all the examinations within the time allowed for study, which includes the one-year graduate internship.
Faculties are free to decide whether to limit the time taken for examinations to a semester, a year or to the whole course of study.  Thus, at more demanding faculties, which require all examinations to be passed in order to progress to the next year, a student may start paying late interest as soon as the academic year in which he/she fails to pass all examinations has ended, while at less demanding faculties the first late interest may not be payable until after the end of the one-year graduation period.
In the event of late completion of examinations, a credit account is opened for the student to monitor the status of his/her debts. The debts will only become due for payment once the debtor is in regular employment. The same applies to those who drop out. Their debt is equal to the sum of all outstanding examinations.
 
The proposal is made with the intention of finally separating responsible students from irresponsible and speculative ones. Also, students' financial situation will not be jeopardised while they are studying, as payment only starts after they are in full-time employment (small jobs or student work are not full-time jobs!). Faculties should be limited only in the evaluation of study programmes, as incomplete studies should not be allowed to have a major impact on students' financial situation.