This study analyzes whether the students need an additional loan mechanism which will provide additional funding to them in order to reduce and/or eliminate the learning costs of higher education students in Turkey. In Turkey, it is observed that some students got an adequate score to study with partial-scholarship or non-scholarship at best foundation universities but could not prefer to take education as paid in these universities due to their financial constraints. The study shows the results of field research conducted on 253 students who are studying in Departments of Economics and Electric and Electronics Engineering at Ankara Yıldırım Beyazıt University, Çukurova University and Eskişehir Osmangazi University in order to analyze the validity of this observation. As a result of the study, approximately half of the students participating in the field research thought that such a credit mechanism was not necessary, while about 30% of them stated that they needed a loan mechanism, approximately 20% of the students stated that they were indecisive. It is thought as primary reason for this that it is associated with the students’ inability to make forecasting about their future income. However, the fact that students attach great importance to employment opportunities when they prefer the universities displays their apprehension of them about income and employment. It is thought that the main reasons behind these attitudes of the students who have negative and indecisive approaches to the necessity of borrowing mechanisms stem from these two criteria. However, it is considered that some of the students who have negative and indecisive approaches about the borrowing system will desire to get involved in such a system with the construction of an income-contingent credit scheme which includes starting to repay after finding a job and repaying a certain percentage of the current income.