What is the test for a student to obtain a university loan from his parents?

I concur with the conclusion of Mr. Justice Pitfield in Whitley v. Whitely, [1997] B.C.J. No. 3116 at para. 21 that the opportunity to pursue post-secondary education is a privilege and not a right. He further found, as I find in the instant case, that there was no reason why a child: . . . should not make some contribution to the cost of that education by accepting obligations in respect of some amount of loan. The appropriate level of loan obligation should be determined by reference to his means and capabilities, the financial capabilities of his parents and a fair balance between child and parents.