Idk about you, but while I was getting my free engineering degree in Norway I still had to pay for rent and food.
In principle, I could have studied part-time instead of full time, while working some job that doesn't require a degree, but I don't see how that would benefit anyone. Regardless, even if you have housing and food covered while studying, you still need money for books, paper, a computer, etc. so either you need a job (which, for a lot of degrees, means you'll be studying part-time), or you need a loan.