engineer students were selected because of the strong likelihood that they will easily find employment and equitable salaries upon graduation. in israel most engineering students are hired very soon after graduation, and receive higher than average - for israel- salaries. in light of these conditions, the risk that engineering students would take if they took loans during their studies is relatively low in comparison with students studying in other fields that offer lower chances of finding employment quickly and/or lower levels of remuneration. 15 students participated in the preliminary study.