Vietnam has an extensive state-controlled network of schools, colleges, and universities and a growing number of privately run and partially privatised institutions. General education in Vietnam is divided into five categories: kindergarten, elementary schools, middle schools, high schools, and universities. A large number of public schools have been constructed across the country to raise the national literacy rate, which stood at 90% in 2008. Most universities are located in major cities of Hanoi and Ho Chi Minh City with the country's education system continuously undergoing a series of reforms by the government. Basic education in the country is relatively free for the poor although some families may still have trouble paying tuition fees for their children without some form of public or private assistance. Regardless, Vietnam's school enrolment is among the highest in the world. The number of colleges and universities increased dramatically in the 2000s from 178 in 2000 to 299 in 2005. In higher education, the government provides subsidised loans for students through the national bank, although there are deep concerns about access to the loans as well the burden on students to repay them.Since 1995, enrolment in higher education has grown tenfold to over 2.2 million with 84,000 lecturers and 419 institutions of higher education. A number of foreign universities operate private campuses in Vietnam, including Harvard University (USA) and the Royal Melbourne Institute of Technology (Australia). The government's strong commitment to education has fostered significant growth but still need to be sustained to retain academics. In 2018, a decree on university autonomy allowing them to operate independently without ministerial control is in its final stages of approval. The government will continue investing in education especially for the poor to have access to basic education.