They may also deter students who are risk-averse and/or are from a disadvantaged background from participating in higher education in the first place, as they may face financing difficulties later in their studies. The pattern of enrolments in the first grade of undergraduate professional and university education by regions reveals that most students attend higher education institutions in the regions of their residence. For instance, the greatest share of the students of the University of Ljubljana comes from the central region of Slovenia (Osrednjeslovenska regija), where Ljubljana is located.