Does the fear of debt constrain choice of university and subject of study?

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Does Student Loan Debt Deter Higher Education Participation? New Evidence from England (2017, background): “By contrast, in 2002, loans were restricted to living costs and students could find ways of minimising these costs, thereby reducing their reliance on loans (Callender and Jackson 2008).”
College students and financial distress: exploring debt, financial satisfaction, and financial anxiety (2013, result): “These findings were consistent with those by Callendar and Jackson (2008) who found British students avoided college debt by selecting colleges close to home and in low cost of living areas as well as locations that offer employment opportunities. A similar study by Mangan, Hughes, Davies, and Slack”
University choice: what do we know, what don’t we know and what do we still need to find out? (2015, background): “Lifestyle benefits Callender and Jackson (2008) Outcomes and benefits Institution”