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Yeah I can see where you are coming from now. That’s great for you. Personally, I am not caring enough to do a job like that. I’m selfish, impatient, I laugh at people who get ripped off by conmen and I will always choose lifestyle over money which is why I left my last job. I would never work extreme hours or really go out of my way to help anyone, even if I was getting paid to do it. That is the harsh truth.
AmyWills
Bravesparrow, actually, no I would not work for less than $20 an hour, which is why I could not be bothered searching for that link, plus I have a great job now anyway and I don’t live in NSW.
No idea what he is talking about. Sounds good – maybe too good to be true – and a little sus. What did he mean by “follow your nose”?? and how come that link didn’t work?
Lol!!! [lmao][laughing] No Chris/Drac, that post wasn’t directed at you!!!!
I was replying to Sweet, sorry about the confusion
No, it’s not crazy, it’s called ‘user pays’ which is how uni (college) is overseas in countries such as the US and Canada, and how Howard wants it to be here.
In HECS places, the government helps you out by paying around two thirds of the full cost of your course. In full fee places, the government gives you nothing, so the full cost is worn by you, hence the term “full fee”
The 20% discount happens when you are in a HECS place, but you pay your fees up front, so you don’t get a loan.
I cannot believe you go to uni and do not know this
AmyWills
Sweet,
I feel you are seriously misinformed.
You say “Furthermore, a fee place is not as bad is made out. In both hecs and fee places ur paying exactly the same amount.”
This is rubbish. A full fee place is always at least 3 times the amount of a HECS place.
Hi Drac,
Yeah I go to Monash Uni here in Melbourne, so unless you are prepared to move, then that cancels that option out. We have ENTER scores here, not UAIs but I think it works out to be the same kind of thing.
Here’s a few things you need to know about uni fees:
1. If you get into a CSP (Commonwealth Supported Place), which the government helps pay for you can either:
a) get a HECS-HELP loan
b) pay it up front and receive a 20% discount – everyone gets it, you just need to fill out this form to say you are going to pay up front
c) pay a bit of it up front (must be at least $500) and get the discount on this portion, and defer the rest through a HECS loan.The HECS loan is indexed with inflation, so it increases each year. I think it is a good idea to pay it up front, my dad disagrees and says I should let the loan accumulate, but anyway…
2. If you get into a full fee place (where the govt doesn’t help you out at all) and cannot pay the fees up front, you can get a FEE-HELP loan. However, this will cost you an additional 20% and you will end up with a massive debt.
This is a handy website: http://www.goingtouni.gov.au/
Yeah I spose I’m lucky that my parents pay most of my expenses, but I paid for my car ($13,300 in cash) and I pay my uni fees without their help, plus all the textbooks – although my grandparents throw me a bit of cash each year for that sort of thing too. Oh well,
you’re lucky too coz you said your parents are willing to help you out with uni fees, plus your mum must have loaned you a bit (interest free!) for the car.Hi Draconis,
I am also a “youngin” like you, (19), and am doing a Business/Commerce degree, majoring in Accounting, I’m in my second year. I have been interested in property for a while and read a lot of the books (“Rich Dad Poor Dad for teens” for a start [laughing])
Recently, I realised that it is not feasible for me to buy a property at this stage in my life. For starters, I’m a full time student, and even though I work 2 days per week (at an accounting firm) and have a reasonable amount of savings, I just don’t have enough income.
So, what I am doing now is saving. Every month or so, I check moneymanager or choice websites to see which bank has the highest interest rate and shift my savings accordingly. At the moment, I believe BankWest has the highest at call interest rate of 6.60% calculated daily, paid monthly. http://www.abetterdeal.com.au/
I need my savings to be ‘at call’ – ie not locked away in a term deposit- so I can access them whenever I need to, which is usually just twice per year to pay uni fees. (I pay my fees up front to get a 20% discount – its about $6K per year)
Luckily, my parents are nice and pay most of my expenses (such as car registration, insurance, car services, petrol allowance, clothes) so I can pretty much save whatever I earn.
Regarding full-fee uni places, I would strongly recommend against applying for them. Why get yourself into so much debt? Even if you don’t get into your first choice uni/course, do something else for a year, and if you do well, you can always transfer.
Hope that helps
Amy
AmyWills
