University Students, how do you afford it?

For those that are in university (specifically grad school) in Japan how are you affording it? I'm trying to understand if either most of these people have a lot of savings or if they're taking out large loans that they aren't concerned about. I assume people who are taking out loans are doing it from their home country? The conversion rate to pay off USD loans in yen is not good, so I am just curious how people are managing it as I am considering it.

by adddy03