1. finance
2. personal finance
3. financial planning
4. retirement and pension

ASG’s How to Survive
Uni and TAFE:
without living on two-minute noodles
Disclaimer:
The information contained in this guide is for general information
purposes only. The Australian Scholarships Group (ASG) has sought expert
opinion in relation to the information and made every effort to ensure
the information is correct at the time of publication. While ASG makes
every effort to keep the information up to date and correct, it makes
no representations or warranties of any kind, express or implied, about
the completeness, accuracy, reliability, or suitability of the information
contained for any individual or group. ASG is not a licensed provider of
financial advice and encourages you to ensure that you seek professional
advice before making any changes to your own or your family’s
circumstances.
ASG’s How to Survive Uni and TAFE – without living on two-minute noodles –
Published 2011
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 2
Contents
Introduction
Income
Decision time ............................................................................................ 5
The value and benefits to you of further education ................... 6
About the author – Vince Callaghan ................................................ 7
Government support ............................................................................
Scholarship support ..............................................................................
Employment options for students ...................................................
Loans for students ..................................................................................
Budgeting – making your finances work
Budgeting for living and study costs.........................................9
Estimated annual post-secondary study costs............................ 10
Budgeting template................................................................................ 12
25
29
31
32
Life as a uni and TAFE student
Getting help ............................................................................................. 34
Key websites ............................................................................................. 35
Frequently asked questions ................................................................ 37
Expenses
Course costs ..............................................................................................
Study-related costs..................................................................................
Accommodation costs ..........................................................................
Other day-to-day living costs .............................................................
15
19
20
23
Other information
Glossary of terms ....................................................................................
Reference list ............................................................................................
Index ............................................................................................................
About the Australian Scholarships Group (ASG) .........................
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
41
43
45
46
page | 3
ASG’s How to Survive
Uni and TAFE:
without living on two-minute noodles
Introduction
Introduction
Decision time
Decision time
Should I or shouldn’t I? is a question many students face upon the
completion of Year 12. It’s a big question and a big decision – and one
that could be life changing, impacting your future employment and
earning-capacity.
Research shows that students who gain post-secondary qualifications are
more likely to experience higher wages (research from NATSEM indicates
up to $1.5 million more over the course of a lifetime), better working
conditions, and less chance of being unemployed. If they do become
unemployed, they are more likely to find a new job faster than their less
qualified colleagues.
It’s not just the individual who benefits from a post-secondary
qualification. The community also benefits through greater productivity,
higher participation of skilled young people entering the workforce and
ultimately, more prosperity within the community.
In fact, the Australian Government aims to push up the proportion of
young adults with degrees from the current 32 per cent to 40 per cent
by 2025.
Having made the decision to study at the post-secondary level, you and
your family face a number of questions to work through. These will often
include questions like: What would you like to study? What courses are
available to you? What will the course cost? What are the day-to-day living
costs of a student? In other words, can you survive university or TAFE
without living on two-minute noodles?
ASG’s How to Survive Uni and TAFE – without living on two-minute
noodles aims to provide you and your family with the most relevant, and
up to date information on the benefits and costs of studying after Year 12.
It also provides you with some great tips and helpful resources to support
you and your family as you navigate your way through this important, and
very exciting time.
The Australian Scholarships Group (ASG) wishes every student success
in their studies and their future careers, and commends the parents who
have provided education opportunities for their children.
ASG’s How to Survive Uni and TAFE – without living on two-minute
noodles will help you and your family explore the issues and costs
associated with post-secondary study in Australia. Study options include
tertiary (university), vocational education (TAFE) and various courses
offered through private education providers.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 5
Introduction
The value and benefits to you of further education
The value and benefits to you of further education
There are many education and training options in Australia for you as
a school leaver. In both the university and Vocational Education and
Training (VET) sectors, your course choices are almost limitless.
You may choose to study at a university but make sure you investigate
all the options available to you. There are increasing numbers of students
opting for a VET course through TAFE Institutes, Registered Private
Providers or Community Training\Organisations.
Choosing to go on to further study after secondary school is a smart
decision. The benefits of further study to you, your future and the nation,
are significant. If you complete a degree, diploma, or certificate course,
you can look forward to more fulfilling employment options and
career prospects.
By completing a university or VET course, you will develop a host of skills,
many of which are highly valued by potential employers. Research has
also shown that a tertiary qualification will also significantly increase your
lifelong earning capacity.
Although this guide focuses on the cost of going on to further education,
it is important to balance those costs against the overall lifelong value
that further education will bring to you.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 6
Introduction
About the author – Vince Callaghan
About the author – Vince Callaghan
Vince Callaghan, author of ASG’s How to Survive Uni and TAFE – without
living on two-minute noodles has worked in Australia’s post-secondary
education sector since the 1970s.
His career began as a university tutor before the areas of student services
and support gained his interest. Soon after, Vince became acutely aware
that some students’ financial difficulties disadvantaged their participation
in further education and Vince has worked to assist students ever since.
His career has spanned working with universities and colleges across the
country, including the University of Western Australia (UWA), La Trobe
University, Melbourne State College—then the largest teachers’ college in
Australia—and Deakin University at its Warrnambool campus.
Vince has authored a number of guides for both government and
post-secondary institutions. These include the Australian Government’s
Tertiary Education Assistance Scheme (TEAS), a plain language guide to
the TEAS scheme and subsequently the Austudy scheme, the Australian
Government’s Department of Education’s guide to Austudy that resulted in
the annual distribution of one million copies Australia wide, and a guide
to the costs associated with study for Deakin University.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
For many years, Vince was the spokesperson
on student financial issues for the Australian
and New Zealand Student Services Association
and the Student Financial Advisers Network
of Australia. In these roles, Vince presented
evidence before numerous House of
Representative and Senate enquiries arguing
for financial equity for students in general, and
in particular for rural and regional students.
In his retirement, Vince has maintained his interest in student financial
concerns as evidenced by his latest publication ASG’s How to Survive Uni
and TAFE - without living on two-minute noodles, his submissions to various
government inquiries, and the well-attended seminars and workshops
he continues to conduct on the cost of post-secondary education
throughout Victoria. He also very much enjoys taking tour groups to Italy
for the Wollongong University based, Odyssey Travel.
Vince is married to Julie and they have two sons, Liam and Ed.
page | 7
ASG’s How to Survive
Uni and TAFE:
without living on two-minute noodles
Budgeting – making your finances work
Budgeting – making your finances work
Budgeting for living and study costs
Budgeting for living and study costs
Budgeting
Great tips
As a student it is important to budget for your study related costs,
accommodation costs and other living expenses as income is usually very
limited. With a good budget, it means you just may be spared a diet of
two-minute noodles.
Check the Useful Websites page of this guide for helpful resources on
budgeting, managing your budget and estimating costs associated with
studying at university and TAFE.
Estimated annual post-secondary study costs
The table on the following pages provides the estimated costs associated
with post-secondary study based on four living options. These include
living in the family home, living in halls of residence, shared independent
living in private rental accommodation and boarding through the
Homestay program.
This table provides general estimates only. ASG’s Online University Costs
Calculator at www.asg.com.au can be used to get more specific cost
estimates based on your personal circumstances.
Creating your own budget
A budget template to print and use is included in this chapter. Be sure
to itemise all your income and expenditure items so you can track your
finances. If you prefer, you can source the budget template as an Excel
worksheet or PDF file from ASG’s website www.asg.com.au on ASG’s
How to Survive Uni and TAFE - without living on two-minute noodles page.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 9
Budgeting – making your finances work
Estimated annual post-secondary study costs
Estimated annual post-secondary study costs
Estimated annual post-secondary study costs
Living Options
General notes:
Family Home
(52 weeks per annum
- full board, includes
utilities)
Halls of Residence
(36-40 weeks per annum)
Varies according to sector
and course selection
(See Section 2)
Varies according to sector
and course selection
(See Section 2)
Varies according to sector and
course selection
(See Section 2)
Varies according to sector and
course selection
(See Section 2)
Textbooks, stationery,
equipment, photocopying etc [1]
$1,000
$1,000
$1,000
$1,000
Computer and internet access [2]
$620
$0
(usually included in fees)
$620
$620
Course/tuition fees
Shared Independent Living
Homestay Program
(Private rental
(Full board with family - 52 weeks
accommodation, shared with 2
per annum, including utilities)
others, 52 weeks per annum)
Accommodation
establishment costs
$0
$1,000
(refundable bond - will vary)
$1,336
(refundable bond - will vary)
$230
(placement fee)
Utility connection fees [3]
$0
$0
(depending on the college
chosen)
$30
(average cost per person in
3-person share house)
$0
Furniture and household goods
$0
$0
$500
(based on secondhand furniture
and goods purchased)
$250
(to supplement furniture provided)
Accommodation - ongoing costs
$0
$8,000 - $18,000
(depending on the college
chosen and facilities
provided)
$7,243
(estimated $139/week per person
in 3-person share house)
$14,300
($275/week full board)
All costs are estimated. The
Australian Scholarships Group
(ASG) provides these figures
as a guide only. ASG cannot
guarantee that they will
represent the actual costs
of education for a particular
student.
ASG has provided these figures
as a reasonable and conservative
estimate based on substantial
desktop research.
Students and parents can source
further information about
university costs for specified
courses and living options on
a national or state basis from
ASG's Online University Costs
Calculator at: www.asg.com.au
VET and TAFE course costs vary
from state-to-state.
Continued next page
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 10
Budgeting – making your finances work
Estimated annual post-secondary study costs continued
Estimated annual post-secondary study costs continued
Living Options
Notes to estimates:
Family Home
(52 weeks per annum
- full board, includes
utilities)
Halls of Residence
(36-40 weeks per annum)
Groceries - food, beverages,
household requirements
$0
$0
Utilities - gas, electricity,
water, telephone
$0
$0
Public transport
(allow extra for owning a car)
$1,768
($34/week)
Snacks and drinks on the run
Shared Independent Living
Homestay Program
(Private rental
(Full board with family - 52 weeks
accommodation, shared with 2
per annum, including utilities)
others, 52 weeks per annum)
$3,640
($70/week per person in
3-person share house)
$0
$0
$1040
($20/week)
$1,560
($30/week per person in a
3-person share house)
$1,768
($34/week)
$1,768
($34/week)
$1,820
($35/week)
$1,820
($35/week)
$1,820
($35/week)
$1,820
($35/week)
Entertainment/Other
$2,080
($40/week)
$2,080
($40/week)
$2,080
($40/week)
$2,080
($40/week)
Ancillary - clothes, medical,
mobile phone, etc
$2,600
($50/week)
$2,600
($50/week)
$2,600
($50/week)
$2,600
($50/week)
$9,888
$17,540 - $27,540
$24,197
$24,668
TOTAL COSTS
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
Costs will vary depending on
consumption and usage.
[1] Based on requirements for a
full-time student annually. The
cost will vary widely depending
on the course selected.
[2] Computer and internet
costs will vary according to
the computer purchased and
internet costs established.
[3] Varies according to suppliers
chosen.
page | 11
Budgeting – making your finances work
Budgeting template
Budgeting template
ASG's How to Survive Uni and TAFE: without living on two-minute noodles Budget Worksheet
Calculate your income and expenses annually as a guide to planning your expenditure throughout the year
INCOME
Government allowance
Part-time work salary (after tax)
Any extra earnings
Scholarship allowances
Any extra allowances
Interest on savings
Any other income
TOTAL INCOME
EXPENSES
Course expenses
Course/tuition fees
Text books
Equipment/Tools
Stationery
Photocopying
Computer equipment
Computer software
Internet access
Living expenses
Accommodation costs
Bond or placement fees
Monthly rent or fees or board
Household costs
Electricity
Gas
Phone
Water
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
ANNUAL
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
NOV
DEC
ANNUAL
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 12
Budgeting – making your finances work
Budgeting template continued
ASG’s How to Survive Uni and TAFE: without living on two-minute noodles Budget Worksheet continued
EXPENSES
Groceries - food, beverages,
household requirements
Snacks on the run
Ancillary costs
Public transport/travel/car costs
Medical
Dental
Clothes
Mobile phone
Entertainment/hobbies
Insurance
Other
TOTAL EXPENSES
SAVINGS/DEFICIT
JAN
FEB
MAR
APR
MAY
JUN
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
JUL
AUG
SEP
OCT
NOV
DEC
ANNUAL
page | 13
ASG’s How to Survive
Uni and TAFE:
without living on two-minute noodles
Expenses
Expenses
Course costs
Course costs
The cost of your course will depend on the course you choose to study,
and whether it is a VET or CSP at university. VET courses and CSP courses
have different cost structures which are outlined in this chapter.
VET courses and tuition fees
TAFE Institutes, Registered Private Providers and Community Training
Organisations all run VET courses. VET tuition costs differ depending on
your course and its duration. Usually, VET courses cost less than university
courses. In some cases, if you have a student or Centrelink Health Care
Card, the VET course costs will be reduced further. You need to do
your homework on this because VET course costs at TAFE Institutes are
different in each state.
Check the costs involved with your chosen course and what its payment
options are. See if FEE-HELP arrangements are in place for it.
University courses and tuition fees
University tuition costs are fairly clear-cut. All universities in Australia
(apart from private universities e.g. Bond and Notre Dame) have tuition
costs set by the Australian Government.
At university you enrol for a place known as a Commonwealth Supported
Place (CSP), which is subsidised by the Australian Government. The
Government pays a proportion of your course tuition costs and you are
required to pay the balance. See the next page for more information
on CSP.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
Each year, university courses are grouped into one of five bands, known
as the University Course Bands. For each of these bands, the Government
decides by how much courses in each band will be subsidised. The
amount you are required to contribute will depend on the course you
choose to study and which band your chosen course falls into. More
information on the University Course Band is on the next page.
HECS-HELP
HECS-HELP or the Higher Education Contribution Scheme–Higher
Education Loan Program is the loan scheme you have with the
Government when you take up a CSP at university. Essentially, through
this scheme, the Government pays the tuition fees of your course to your
university on your behalf, the government will absorb the subsidised
amount, and consequently you owe the Government the contribution
amount for your course.
Deferred HECS-HELP payments
If you defer your payments you incur a HECS-HELP debt, which is
administered by the Australian Taxation Office (ATO). You can make
voluntary repayments anytime you want as long as you pay in amounts
of $500 or more. If you do, you will be given a 10 per cent discount on
those amounts.
Most HECS-HELP debts are repaid by having a portion of your salary or
wage withheld. Your repayments begin when your employment income
is above the Government nominated threshold (for 2010–2011 the
threshold is $44,912). If your income is below the nominated threshold,
you are not required to repay the debt.
page | 15
Expenses
Course costs continued
There is no interest rate on your HECS-HELP debt, but the debt will
increase annually at the rate of inflation.
The HECS-HELP debt belongs to you and nobody else. Should you die, it
will die with you. If you fail subjects for reasons beyond your control and
have incurred a HECS-HELP debt, you should apply to your university to
have the debt waived.
Commonwealth Supported Place (CSP)
To get a CSP you need to be an Australian or New Zealand citizen, or have
a permanent visa. You must also live in Australia while you are studying
and have an Australian Tax File Number. You can, however, retain your
CSP if you are studying overseas in a course that is part of an exchange
arrangement with your university.
Payment options for CSP
So that you are not locked into one payment option for the whole of your
course, each semester your university will ask you to nominate one of the
three HECS-HELP payment options shown below.
‚‚ You can nominate to pay your tuition fee ‘up front’ and if you do, you
will be given a 20 per cent discount on the amount owing.
‚‚ You can nominate to ‘defer’ ALL of your tuition fees, and repay them
when your future income is above the Government nominated
threshold. The threshold for the 2010-2011 tax year is $44,912.
‚‚ You can nominate to pay at least $500 ‘up front’ to receive the 20
percent discount, and then defer the remaining amount. You begin
to repay the debt when your future income is above the nominated
threshold which for the 2010-2011 tax year is $44,912.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
There are some different HECS-HELP payment rules for New Zealand
citizens and permanent visa holders that should be followed up if you
are in these categories. For more information refer to the Information for
Commonwealth Supported Students: HECS-HELP booklets at the website:
www.goingtouni.gov.au
University course bands
The Australian Government divides all university courses into four bands.
The amount you pay will depend on which band your course sits within.
The types of courses that fall within each band are shown on the next
page. If you are unsure which band your course is in, visit the Going to Uni
website www.goingtouni.gov.au
Band one includes the following courses: Arts/Humanities, Foreign
Languages, Social Sciences,Visual and Performing Arts, Social Studies,
Education and Nursing. In 2011, the maximum cost for band one courses
(if you are taking on a full study work load) is $5,442 for the year ($2,721
per semester). If you choose to pay ‘up front’ and get the 20 per cent
discount, the per annum cost is $4,352 ($2,176 per semester).
Band two courses include: Engineering, Computing, Built Environment,
Health, Surveying, and Agriculture. The maximum cost in 2011 (if you are
taking on a full study load) is $7,756 for the year ($3,878 per semester).
If you choose to pay ‘up front’ and get the 20 per cent discount, the per
annum cost is $6,204 ($3,102 per semester).
Band three courses include: Law, Dentistry, Veterinary Science,
Accounting/Economics, Medicine, Administration, and Commerce. The
maximum cost in 2011 (if you are taking on a full study load) is $9,080 for
the year ($4,540 per semester) with a 20 per cent discount the per annum
cost is $7,264 ($3,632 per semester).
page | 16
Expenses
Course costs continued
The National Priority Band includes: Mathematics, Statistics and
Sciences. The maximum cost in 2011 (if you are taking on a full study load)
is $4,355 for the year ($2,177 per semester). If you choose to pay ‘up front’
and get the 20 per cent discount, the per annum cost is $3,484 ($1,742
per semester).
Your university will classify each unit or subject that you study into one
of the bands. Not all of your units or subjects in your given course are
necessarily going to be in the same band. For example, if you enrol in a
nursing course, which is in Band one, you might study health units that
fall within band two. In that case, you would pay additional amounts for
those units.
Education and Nursing students
Students who graduate in Nursing and Education will receive a reduction
in their repayments for up to 260 weeks (five years) as long as they
continue to be employed in those professions.
Repaying your HECS HELP
Once your income is above the threshold, you start to repay the debt
according to your income level. At the lower end of the threshold, (for
2010–2011 it begins at $44,912). If your income in any tax year goes
above the threshold you begin repaying. Generally the repayments will
be deducted from your fortnightly salary. Using 2010-2011 as an example,
if your income were to go over the amount you begin repaying at four
per cent. The percentage you repay, however, will increase according to
the amount you earn. There is a ceiling of eight per cent repayment if
your income reaches $83,408 in the 2010-2011 tax year. These thresholds
change slightly each tax year.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
Failing course units or complete withdrawal
from a course
It is important to know that if you fail units and have to repeat them, you
will be paying for these units each time you attempt them. If you don’t
complete your course you still pay for the proportion of the course you did
complete. Similarly, if you decide to withdraw from a course or a unit, do so
before the census dates for each semester, which are usually in March for
first semester and in August for second semester.
Compulsory university student fees
At the moment there are no ‘compulsory’ university student fees. These
annual fees were traditionally used to help develop student services and
amenities on campus.
‘Full-Fee’ tuition courses for Australian
university students
‘Full-Fee’ places are no longer available to commencing Australian
undergraduate students. Continuing students who chose this option can
continue in the scheme and have access to FEE-HELP, which has similar
repayment rules as HECS-HELP. Check out the FEE-HELP booklets available
at your university.
page | 17
Expenses
Course costs continued
Great tips
‚‚ Check the VET and university websites listed in the guide for
more information on any of the above topics.
‚‚ Make sure you have a Tax File Number.
‚‚ Check the census dates for your university. They are usually,
but not always, 31 March for semester one and 31 August for
semester two. There might be a third semester at your university,
which is likely to change the census dates.
‚‚ Check whether a HECS-HELP/FEE-HELP type debt scheme is in
place for your course in VET.
‚‚ If you are studying a VET course, check what advanced standing
applies if you decide to go on to further study at a university.
‚‚ If you are going to withdraw from your course or a unit, do so
before your institution’s census dates.
‚‚ If there are reasons beyond your control for withdrawing or
failure, e.g. illness or bereavement, apply to your university to
have your debt waived. Check the Going to Uni website for more
information at www.goingtouni.gov.au
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 18
Expenses
Study-related costs
Study-related costs
Computers
Having your own computer is advisable if not essential. University and
VET providers will communicate important information to you via email.
Lecture notes and messages from lecturers are usually made available
electronically. In some universities, it is possible that some of your course
units will only be available online. There are computer labs on most
campuses but they can become extremely busy, especially prior to exam
times. It is important to have a reliable computer and printer as your
assignments will need to be typed and printed.
Textbooks
Textbooks can be very expensive. Before you buy any new textbook, look
for second-hand copies. You will often find notices around your campus
offering second-hand textbooks for sale. Also check out your campus
library to see if they have textbooks referred to by your lecturers. Some
textbooks are ‘required’ reading and some ‘recommended’ reading, so wait
until you have a ‘required’ textbook reading list before you buy them.
Travel
Public transport is usually a much cheaper option than maintaining your
own car and paying for parking. As a student, you may be eligible for a
Centrelink Health Care Card, which generally gives you access to travel
concessions on public transport and can help you save even more. If you
are renting, try to rent close to travel routes that connect to shops and
your campus.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
Consider car-pooling. Check your institution’s student services
noticeboards for ads from people in your local area. Better still, riding a
bike or walking, where possible, keeps you fit and frees you up from the
constraints of public transport timetables. Be sure you budget for bike
safety gear and accessories.
Great tips
‚‚ Check out cheaper computer options, such as buying second-hand,
computer swap meets, or buying entry-level computers that provide
only the power and functionality you need.
‚‚ If using campus-based computer equipment, book regular sessions to
fit your study timetable. Remember that computer facilities are often
in high demand so student services often place restrictions on session
times and frequency.
‚‚ Check whether your campus has a second-hand textbook outlet.
For discounted textbooks go to www.textbookexchange.com.au
‚‚ Apply for a Centrelink Health Care Card as soon as you finish
secondary school as it may provide you with travel concessions, as
well as health care discounts.
page | 19
Expenses
Accommodation costs
Accommodation costs
If you are able to defer most of your course costs or minimise the costs
related to your studies, you may have avoided a major drain on your
own finances or the family budget. However, if you have to leave home
to study you may find significant costs are involved, in particular your
accommodation costs.
boarding with relatives is particularly useful on a short-term basis to set
up some networks and get acquainted with a new area while being under
the support of extended family care.
Many students who take up VET courses have the opportunity to live
locally because of the breadth of courses offered by local VET providers.
However some VET students, and many university students, need to leave
home in order to take up the course of their choice.
Not all of Australia’s 37 universities provide their own residence
accommodation to students. For those offering accommodation, the costs
vary considerably. Influences include position, prestige, catering, and
other facilities that are offered. If you want to have all the optional extras –
all your meals provided, tutoring, college library, sporting facilities, phone,
computer and internet access etc, you will be paying top of the range.
Catering options also influence accommodation costs. Halls of residences
and colleges may offer either full catering or self-catering options, or a
mix of both.
Living with family
Children today are living with their parents for longer periods than ever
before, especially if they’re students. Research from the Australian Bureau
of Statistics (ABS) shows that over the past 20 years there has been an
increase in the number of young adults living with their parents, from
24 per cent of people aged 20–29 years in 1986 to 31 per cent in 2006.
This trend is associated with young people’s increasing participation in
education, and also a delay in partnering and parenthood.
While many students are keen to escape their family homes and branch
out to some form of independent living, living in the family home offers
major financial advantages.
If relocating to study is required, some students’ families arrange for
them to live with relatives in a ‘board arrangement’. The success of these
types of arrangements usually depends on the individuals involved, but
University residences and colleges
Costs vary from state to state and from one hall of residence to another.
The costs will reflect the services provided, but you can expect to pay as
much as $18,000* per academic year.
Visit all university websites that you are interested in to find what
accommodation options are available and be sure to compare them
based on your requirements and budget.
Note when and how you have to apply for each alternative, and whether
there is an application fee.
* Costs reflect 2011 figures
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 20
Expenses
Accommodation costs continued
If you choose to apply for a room in a university residence, don’t wait
until you are offered a place at that university. The cut off date for most
university accommodation occurs well before universities send out
their place offers. Also bear in mind that some applications to halls of
residences and colleges require applicants to submit references as part of
the application.
Commercial student accommodation
There is an increasing number of commercially-run student residences.
These are usually slightly cheaper than university residences, but often
don’t have the same kind of catering facilities and academic support
services that university residences offer. The National Union of Students
website www.unistudent.com.au has useful information on this type
of accommodation. Almost all universities and TAFE institutes will have
an accommodation service that will give you more information on
commercially-run facilities.
Renting
Depending on the area, renting with other students may be a cheaper
way to go, particularly in areas outside metropolitan capital cities. Do your
homework to compare the rents in different areas because it could save
you thousands of dollars a year. When adding up the costs of rent, don’t
forget to factor in transport costs, particularly if you’re moving further
away from campus for cheaper rent.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
Keep in mind that in the private rental market, you may need to take on
a 52-week lease agreement. You will have to factor in set-up costs such
as rent in advance, bond, gas and electricity, telephone connections,
removalist fees and new furnishings.
It is important to find accommodation close to public transport that goes
to your university or college. It should also be close to shops and sporting
facilities that you might want to access.
Another option to consider is renting holiday accommodation where the
landlord requires tenants to vacate the premises for a six to eight week
period during the summer months. While this option often provides
cheap rent during the year, it does require budgeting for annual moving
and cleaning costs and is only feasible if you find somewhere else to live
during this time.
Private board and Homestay
Private board and Homestay offer some of the cheapest forms of
accommodation for students. Both arrangements generally refer to
student boarding arrangements in family homes in a ‘host’ arrangement,
although private boarding can be more diverse. Private board is an
arrangement you make with a specific individual or family, whereas
Homestay arrangements are made through the Homestay program.
page | 21
Expenses
Accommodation costs continued
In both cases, your meals are usually provided as part of the board.
Potentially on the downside, you may need to fit in with the already
existing routine of the house and your academic timetable might make
this difficult at times. You can expect to have access to the household’s
facilities and will likely have your own room. Be sure that you have
adequate study space, including phone and internet access
if required.
The long-term success of these types of arrangements often depends on
the rapport and flexibility of everyone involved. As a short-term option,
private board and Homestay enables you to get acquainted with your
new area and an opportunity to develop relationships.
Great tips
‚‚ Compare your preferred accommodation options.
‚‚ Make sure you know the application cut off dates for
accommodation options.
‚‚ Prepare your applications in advance, including any references.
‚‚ For current information on university residences check your preferred
university’s websites.
‚‚ Look into whether your state government assists with bond and/or rent.
For example, the Victorian Government Department of Human Services
offers bond assistance for eligible applicants.
‚‚ Check out public transport routes to your campus, supermarkets and
sporting facilities before choosing a rental property or
other accommodation.
‚‚ Apply for a Centrelink Health Care Card to decrease your rental costs on
gas and electricity and to get travel concessions on public transport.
‚‚ Choose your fellow renters carefully.
‚‚ Have a meeting with your fellow renters to discuss and set down
ground rules.
‚‚ Cheap furniture can be found at opportunity and second-hand shops
e.g. Salvation Army.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 22
Expenses
Other day-to-day living costs
Other day-to-day living costs
Meals
A healthy and balanced diet is important to your health and consequently
your studies. You can eat cheaply, but a diet of two-minute noodles
is unlikely to keep you healthy. Plan your meals and shop at discount
supermarkets or markets.
Monitor your usage to your budget. Shop around for the best deals
according to your requirements and beware of accessing the internet
from your mobile phone as costs can add up quickly. From what seemed
initially to be a great deal, many students find themselves in debt for
much more than they anticipated.
Credit card usage
Shopping
Make a list before you go shopping. Impulse buying can prove expensive.
If you rent with others, shop for your household and split the costs. Look
for ‘specials’ that you need and buy fruit and vegetables in season to
save money.
Medicine and health
You may need medical help during your student years. To save on medical
costs, look for local doctors who bulk-bill. There may be a medical service
on your campus or nearby, that will bulk-bill. A current Centrelink
Health Care Card will help you get prescription medicines at a heavily
reduced price.
Unless you have willpower of steel, avoid using credit for your everyday
expenses (for more information, refer to Loans For Students section of
this guide).
Great tips
‚‚ When you leave secondary school, apply immediately for a Centrelink
Health Care Card. It may help reduce your winter electricity and gas
bills and your car registration. It will also give you travel concessions
on public transport, discounts on some prescription medicines and free
ambulance cover.
‚‚ Learn to cook.
Dental costs can also prove expensive so find out whether your institution
offers discounted services. In general, preventative dental procedures are
cheaper than remedial services so regularly schedule these services for
yourself if possible.
‚‚ Shop at discount supermarkets or markets.
Mobile phone and internet costs
‚‚ Monitor your mobile phone and internet usage according to your budget.
Read the fine print on all mobile phone and internet contracts in detail,
paying particular attention to the total costs associated with the contract.
‚‚ Make sure you keep your Health Care Card up-to-date.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
‚‚ Identify local doctors who bulk bill.
‚‚ Schedule preventative dental procedures regularly to avoid more
expensive remedial treatments.
‚‚ Avoid accumulating debt on your credit card.
page | 23
ASG’s How to Survive
Uni and TAFE:
without living on two-minute noodles
Income
Income
Government support
Government support
This section will outline eligibility criteria for Youth Allowance, Austudy
and ABSTUDY. It will also look at other associated Centrelink benefits such
as Rental Assistance, Travel Allowance, Advance Payments and Health
Care Card benefits. The information in this section is relevant to both VET
and university students.
ABSTUDY
Finding your way around Centrelink rules and regulations can be
challenging, but it is well worth the effort.
Austudy
It is important to remember that this section provides a summary of the
main government benefits that are likely to be applicable to students,
but it certainly isn’t the complete list. This information is as accurate
as possible at the time of publication but you must always check with
Centrelink to ensure you get the full support you are entitled to based
on your circumstances.
For more information on any of the benefits below, and its respective
eligibility criteria, visit the Centrelink website at www.centrelink.gov.au
or call them on 132 490.
A word of caution
Students must be enrolled in an approved course to be eligible for the
Relocation and the Student Start Up scholarships. This generally means a
course of higher education such as a bachelor degree at university. Check
with Centrelink for more information.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
ABSTUDY is a scheme specifically for Indigenous Australian students. To
be eligible for ABSTUDY, you can be either a part-time or full-time student,
and can qualify for benefits to do Masters or Doctorate level courses.
To be eligible for Austudy you must be 25 years of age or over when you
start your course. Much of the following information covering Youth
Allowance eligibility criteria and other Centrelink benefits also applies to
Austudy students.
Youth Allowance
You need to be at least 16 years of age to be eligible (there are some
exceptions to this if you are considered to be homeless and you should
check with Centrelink). You need to be an Australian or New Zealand
citizen, or hold a Permanent Resident visa (there are further restrictions
for New Zealand citizens so check these with Centrelink).
You also must be a full-time student, which is classified by Centrelink
as being enrolled in an approved course and attending at least three
quarters of what your institution deems as the normal full-time
study load.
page | 25
Income
Government support continued
‘Independent’ Vs. ‘Dependent’ allowance
There are two types of allowance categories: Independent allowance
and Dependent allowance; they affect students’ eligible for ABSTUDY
and Youth Allowance. Independent allowance does not take parental
income into consideration. Dependent allowance does. Most students
commencing further study immediately after secondary school are
considered ‘dependent’ by Centrelink.
Centrelink has very precise rules to classify who they deem as
‘independent’ and ‘dependent’. Following is a short summary of these
rules which will help you work out which category you fit into.
Independent
To be considered ‘independent’ you must fit into one of the
following categories:
‚‚ You are an orphan
‚‚ You are a refugee without parents in Australia
‚‚ You are married or in a de-facto relationship for a period of at least
12 months
‚‚ You have a child
‚‚ You are in State Care or because of your age have left State Care
‚‚ You are financially self-supporting—to qualify for this you will need to
work full-time (an average of 30 hours a week) for at least 18 months
in a two-year period. This period off studying is often referred to as the
‘gap’ year where students seek and maintain employment to prove
financial independence.
‚‚ Your family home is in a ‘very remote’, ‘remote’, or ‘outer regional’
area as classified by the map that is accessible from http://www.
doctorconnect.gov.au/internet/otd/Publishing.nsf/Content/locator
In addition, the following four criteria must also be met:
‚‚ You must be a full-time student
‚‚ You must have needed to move away from home to study
‚‚ Your parents’ combined taxable income must also be less than
$150,000, unless you are considered to be dependent on one
parent, and
‚‚ You will also have to earn a nominated amount (currently
$19,532) within an 18-month period or have worked
15 hours each week for two years from the time you leave
secondary school.
NOTE: Changes affecting inner regional students in relation to the
independence criteria are under review. These changes may come into effect
in the near future. Refer to Centrelink for latest updates.
‚‚ You are at least 23 years old (in 2012, the minimum independent age
will reduce to 22 years of age)
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 26
Income
Government support continued
Dependent
If you are not ‘independent’, then you will be considered as ‘dependent’ on
your parents’ income. You will be classified as either ‘dependent’, ‘living at
home’ or ‘away from home’.
Payments for dependent students will begin to be reduced when parents
earn more than $45,114.
Centrelink uses quite complicated formulae for determining eligibility in
each category and the amount you will receive. Contacting Centrelink
is really important. Both your parents’ incomes and assets are taken into
account, unless you are dependent on one parent. If either parent is on a
Centrelink Health Care Card or pension, benefit or allowance from Family
and Community Services or Veterans Affairs, their income may
be disregarded.
Whatever you believe your circumstances to be, it is important to apply
for benefits in order to be certain of Centrelink’s policies and how they
apply to your particular situation.
It may be that you would be better off to reduce your part-time work
commitments. Youth Allowance is taxable income, so you need to be
mindful that when it’s combined with your other earnings you don’t
end up paying tax at the end of the financial year rather than receiving
a refund.
If you’re on a scholarship of any kind, check with Centrelink because
sometimes, income from scholarships can be included as taxable income.
Up to $6762 of Government equity and merit scholarships will be exempt
from being considered by Centrelink as earned income.
Youth Allowance and other Centrelink benefits
If you have to live away from home, you can apply for Rent Assistance.
To determine your Rent Assistance amount, Centrelink will consider
whether or not you share accommodation. Students who rent private
accommodation are generally considered as sharing and the amount you
receive will depend on what you pay in rent.
If you live in university or commercial student accommodation, you are
generally considered by Centrelink not to be sharing.
Income and Youth Allowance
While receiving Youth Allowance, you may work and earn up to $236 per
fortnight before your allowance is affected. In January 2012 this amount
will increase to $400. If you earn more than this amount there is a formula
Centrelink uses to decrease your allowance. For more information refer to
the Employment Options for Students section of this guide and of course,
check with Centrelink.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 27
Income
Government support continued
Student Start Up Scholarships
Student Start Up Scholarships are for students commencing study in
an approved course, and are for students who are eligible for Youth
Allowance, Austudy or ABSTUDY. It is a total payment of $2128 per
eligible student. It is paid in two instalments over the year of $1064
per instalment.
Relocation Scholarships
Relocation Scholarships are for students who are considered under
Centrelink rules to be dependent and on Youth Allowance or ABSTUDY,
and living away from home to study. Students fulfilling these criteria
can be eligible in their first year of study for $4124 and $1000 in
subsequent years.
and your place of study every year. You will be paid the equivalent of the
public transport cost of the trip (in some cases the costs of airfares). You
can also be paid in advance if you give Centrelink sufficient notice.
Advance payments
If you receive Youth Allowance and need to access some of it as a lump
sum, you may be able to claim an advance payment amount between
$250 and $500.
Great tips
‚‚ Check with Centrelink regularly to ensure you get the right level of
support you are entitled to. Visit www.centrelink.gov.au or
phone 132 490.
Rural Tertiary Hardship Fund
‚‚ Apply for a Centrelink Health Care Card.
The Rural Tertiary Hardship Fund is a one-off grant of $3000 for eligible
students who are commencing their first year Bachelor degrees. This is
a new initiative and is to assist regional and rural students who have to
relocate in order to study. Since it is a “hardship” scholarship there are
quite well defined criteria to determine eligibility. You will need to follow
up with Centrelink to determine your eligibility.
‚‚ Apply for Travel Allowance, even if it is not a big amount. Every dollar you
are eligible for can help.
Fares allowance
If you receive Youth Allowance and have to live away from home to study,
you will generally be eligible for two return trips to and from your home
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
‚‚ Check out your rental assistance entitlement and make sure you have
been given the correct amount.
‚‚ Your personal assets will affect your eligibility for assistance through
Centrelink. Contact Centrelink to find out about the Liquid Assets Waiting
Period before you apply for Youth Allowance.
‚‚ Apply for Youth Allowance as soon as you can.
page | 28
Income
Scholarship support
Scholarship support
The key to accessing scholarship support is you. It’s up to you to explore
the diversity of scholarships available and apply within the specified
guidelines and timelines. Scholarship closing dates often fall before the
notification of course places, so begin your investigations and submit
your applications early in the academic year.
For more information on the Student Start Up Scholarships and the
Relocation Scholarships see the Government Support section of this guide.
There are many types of scholarships available to students in university
and VET courses. Investigate the range of scholarships available through
university or VET institutions, as well as those provided by government or
linked to academic merit and achievement.
The payment of the Indigenous Accommodation Scholarships will
continue to be paid through universities, just as they have been in
the past. These provide selected students from low socio-economic
backgrounds from regional and remote areas with a scholarship of
$4,508 in 2010 (indexed annually) per year for up to four years to assist
them with accommodation costs when students move to undertake
higher education.
Australian Government scholarships
There are two Australian Government scholarships, the Student Start Up
Scholarships and the Relocation Scholarships. These are paid to students
who are eligible for Youth Allowance, ABSTUDY or Austudy.
For the Student Start Up Scholarship, a total of $2128 is paid in two
instalments over the year of $1064. For the Relocation Scholarships, a
payment of $4124 is paid to eligible students in their first year of study,
and $1000 in subsequent years. If you are a dependent student under
the Centerlink rules and receiving Youth Allowance or ABSTUDY, and
you are living away from home to study, you may also be eligible for the
Relocation Scholarships.
Indigenous Commonwealth Accommodation
Scholarships
University scholarships
Many Australian universities have created equity scholarships to assist
rural and regional students, Indigenous students and students from
non-English speaking backgrounds. You need to access each university’s
website to find out which scholarships are available. It is essential that you
check these out in advance as the closing dates are often linked to your
university preferences.
These two new scholarships don’t apply to you if you are already receiving
the Commonwealth Education Cost or Commonwealth Accommodation
Scholarships. These are old Australian Government scholarships which
have discontinued since the beginning of 2010, but are still paid out to
students who were receiving them, and who continue to meet
the requirements.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 29
Income
Scholarship support continued
Great tips
‚‚ Make sure you know the application closing dates for all scholarships
you want to apply for.
‚‚ Have character references (where required) ready to go with
your application.
‚‚ Get advice from Centrelink if you are unsure whether your scholarship
affects your Youth Allowance benefits.
‚‚ Scholarships look good on your resumé when you apply for a job.
‚‚ Always apply. Don’t assume you won’t get a scholarship.
‚‚ Apply early. Don’t use logic and wait until you get an offer of a place—it
will be too late!
‚‚ Google ‘Australian Undergraduate Scholarships’ – you will be amazed at
the number of scholarships on offer!
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 30
Income
Employment options for students
Employment options for students
Even if you are eligible for Youth Allowance, it is unlikely to be enough for you
to live on. And although your parents often assist with study and living costs,
many of you can help ease the financial burden of further study by
working part-time.
If your situation requires you to work part-time, be careful to balance
work commitments and studies so that your studies are not compromised.
Remember that your studies must always be your top priority. Finding
part-time employment that fits in with your study timetable is
very important.
Where to look for part-time work
Almost all VET institutions and universities have career and part-time job
placement services. You should check your university website for details
on these services. The My Future website www.myfuture.edu.au also has
helpful employment information.
Many student jobs are found in the hospitality industry; particularly hotels,
restaurants and bars. Having a certificate in the ‘Responsible Serving of
Alcohol’ (RSA) and a certificate of ‘Food Handling’ can be
an advantage as it may be a pre-requisite for working in the
hospitality sector.
These certificates can usually be completed at TAFE institutes or through a
registered training organisation. A good place for more information on these
courses is to visit the Consumer Affairs website for your state. It is also a good
idea to complete these courses during semester breaks so you are one step
ahead when applying for jobs.
Income and Youth Allowance
If you receive a Centrelink allowance, you should be aware that income
from part-time employment may affect your Youth Allowance payments,
particularly if you earn more than $236 a fortnight on a regular basis, so
be careful and check. In 2012 this amount will increase to $400 a fortnight.
You are required to inform Centrelink of your fortnightly earnings. During
certain times of the year you may be able to earn more without it affecting
your fortnightly allowance, for example, in semester and summer breaks.
Contact Centrelink for more information on this.
Great tips
‚‚ Prepare a resumé and have it ready to distribute to potential employers.
‚‚ Check your employment earnings and the possible impact on your Youth
Allowance payments.
‚‚ Ensure you know Centrelink’s rules on income and how they might affect
your situation.
‚‚ Check local VET providers that offer short certificate courses in
‘Responsible Serving of Alcohol’ and ‘Food Handling’.
‚‚ Don’t work for cash-in-hand. It’s illegal.
‚‚ Update your resumé, covering letter and references, and relate them to
the jobs you want to target.
Another useful way to get a part-time job is by doing a bit of ‘door-knocking’
at appropriate businesses and leaving copies of your resume.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 31
Income
Loans for students
Loans for students
Student loans may be an alternative solution for assisting with tuition
costs and living expenses while completing further education. But if you
decide to take some time off after graduation for whatever reason, either
to travel or you don’t get that job you hoped for, you might find that your
repayment commitments are going to be difficult. This is another reason
why you should be careful when taking out loans.
VET and university student loans
Credit cards
Used wisely, credit cards can help you smooth out the paying of your
expenses to match your income. Unfortunately, many people use credit
to spend above their means and fall into debt. This can create increased
levels of stress for you long-term and mean that you end up paying back
far more than your initial expenditure. Credit is best kept for emergency
use or if you have the self-discipline to use it sensibly.
Most VET colleges and universities run a student loan scheme. These
loans usually have very good terms and with little or no interest rate
(as long as you repay on your agreed schedule). Institutions often have
quite different rules, borrowing limits and repayment conditions. A good
principle is to only borrow money if you really need to. Remember that all
loans have to be repaid.
Great tips
Bank loans
‚‚ Using credit cards is fine for emergencies, but if not used sensibly, can
quickly get you into debt.
Quite a few major banks and credit unions have special loans for students
and offer favourable terms, especially if you have a good academic record
and have very good graduate employment opportunities. Check with
individual banks or credit unions for more information. Remember that
banks are more likely to provide loans to you in the final years of your
course and if your academic record and employment opportunities are
above average.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
‚‚ Investigate all credit options thoroughly before making any commitments.
‚‚ Ensure you understand the credit terms.
‚‚ Borrowing money and taking out loans requires repayments, usually with
an interest rate. Know whether you can afford to make loan repayments.
page | 32
ASG’s How to Survive
Uni and TAFE:
without living on two-minute noodles
Life as a uni and TAFE student
Life as a uni and TAFE student
Getting help
Getting help
Often the best help when you have problems will come from your
parents, family and friends. But it is important to know that on your VET
or university campus, there are staff members who are employed to help
you get through difficult times. These difficulties may be the result of
personal, health, study or financial concerns.
Help services for students
You will find services such as personal and academic counselling, study
advice, part-time employment and careers assistance, health, medical and
disability services. All of these services are generally free.
If you experience any problems, you should get help quickly to avoid
serious affects on your wellbeing and your studies. There are links to
student services on all campuses from each VET or university homepage.
Don’t hesitate to ask your lecturers or tutors for help or clarification if you
have study problems or haven’t understood something.
Great tips
‚‚ Log onto your VET or university website to find out what services are
available on your campus.
‚‚ Seek help through your institute’s financial adviser, especially if you
need assistance with Youth Allowance issues.
‚‚ Check out the campus part-time employment services for any
job vacancies.
‚‚ If you have a disability (long or short-term) contact the disability adviser
on your campus.
‚‚ Don’t be embarrassed to ask for help. Your future is too important.
‚‚ If you don’t know what’s expected of you for your assignments, ask
your lecturer.
‚‚ Check to see what study advice groups are being run on your campus
and register to attend. They usually cover subjects like assignment writing;
how to take good lecture notes; referencing; and exam preparation.
‚‚ Don’t make the mistake of assuming that you are the only person
with problems.
‚‚ Make sure you know when orientation week is and get a copy of
the program.
‚‚ Get to know as many fellow students as possible and have a great time.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 34
Life as a uni and TAFE student
Key websites
Key websites
General information on VET courses
across Australia
State based information on university courses
‚‚ NSW/ACT: www.uac.edu.au
‚‚ www.myfuture.edu.au
‚‚ QLD: www.qtac.edu.au
‚‚ www.training.com.au
‚‚ SA / NT: www.satac.edu.au
‚‚ www.deewr.gov.au
‚‚ TAS: www.utas.edu.au
‚‚ www.ntis.gov.au
‚‚ VIC: www.vtac.edu.au
‚‚ WA: www.tisc.edu.au
State based information on VET courses
‚‚ NSW: www.tafensw.edu.au
Information on Commonwealth Supported
Places and HECS-HELP
‚‚ NT: www.det.nt.gov.au/training
‚‚ www.goingtouni.gov.au
‚‚ ACT: www.det.act.gov.au
‚‚ QLD: www.tafe.qld.gov.au
‚‚ SA: www.tafesa.edu.au
Accommodation
‚‚ TAS: www.yourchoice.tas.gov.au
‚‚ www.unistudent.com.au
‚‚ VIC: www.tafe.vic.gov.au
‚‚ www.australian–universities.com
‚‚ WA: www.trainingwa.wa.gov.au/trainingwa
General information on university courses
across Australia
Tax file numbers
‚‚ www.ato.gov.au
‚‚ www.goingtouni.gov.au
Youth Allowance, Austudy and ABSTUDY
‚‚ www.myfuture.edu.au
‚‚ www.centrelink.com.au
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 35
Life as a uni and TAFE student
Key websites continued
Scholarships
Job related
‚‚ www.goingtouni.gov.au
‚‚ www.youth.gov.au
‚‚ www.myfuture.edu.au
‚‚ www.ato.gov.au
‚‚ www.grantsearch.com.au
‚‚ www.centrelink.gov.au
‚‚ www.asg.com.au
‚‚ www.deewr.gov.au
Estimating education costs
‚‚ www.asg.com.au
Budgeting
‚‚ www.asg.com.au
Government support
‚‚ www.fido.gov.au
‚‚ www.centrelink.gov.au
Discount shopping
‚‚ Various opportunity shops
‚‚ www.textbookexchange.com.au
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 36
Life as a uni and TAFE student
Frequently asked questions
Frequently asked questions
How do I find out what courses are available in the VET
and university sectors, what they cost and how to apply?
There are lists of all these courses on the following websites:
‚‚ www.ntis.gov.au
‚‚ www.training.com.au
‚‚ www.goingtouni.gov.au
‚‚ www.myfuture.edu.au
For more information refer to the Course Costs and the Useful Websites
sections of this guide.
How do I find up-to-date information on Commonwealth
Supported Places and the HECS-HELP tuition bands?
The Going to Uni website www.goingtouni.gov.au is the best source.
However, your university will have copies of the guide Information for
Commonwealth Supported Students published each year.
For more information refer to the Course Costs and the Useful Websites
sections of this guide.
How do I find out what my personal HECS-HELP debt is?
Through the Going to Uni website www.goingtouni.gov.au Here you
can enter your Commonwealth Higher Education Student Support
Number (CHESSN), which is allocated to you by your university or VET
provider. The number will also appear on your Commonwealth Assistance
Notice (CAN).
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
For more information refer to the Course Costs and the Useful Websites
sections of this guide.
How do I find out if I am eligible for Youth Allowance?
Contact Centrelink or your campus student services advisor. Do your
homework beforehand, and make sure you have information on your
parents’ income for the previous tax year, if you are likely to be considered
as a ‘dependent’ student.
For more information, refer to the Government Support section of this guide.
When should I apply for a Centrelink health care card?
As soon as you finish your secondary school exams.
How do I get Rent Assistance?
You can apply through Centrelink. You have to be eligible for Centrelink
Youth Allowance benefits and live away from home. For details on the
criteria contact Centrelink.
For more information refer to the Government Support section of this guide.
Can I apply for Fares Allowance?
If you are eligible for Centrelink benefits and are living away from home
you are entitled to two return trips each year between your home and your
campus. You apply through Centrelink. There is not a lot of information
page | 37
Life as a uni and TAFE student
Frequently asked questions continued
provided on the Fares Allowance by Centrelink so make sure you follow
this up. They may require receipts.
For more information, refer to the Government Support section of
this guide
Should I consider deferring from my course?
Some students take a year off study either at the beginning of or during
their course. Students may defer their study for a range of reasons,
including taking a break from study; uncertainty regarding course choice
or travel.
Some students may defer in order to work and get the ‘independent’ rate
of Youth Allowance. Before deferring, talk with your parents or advisors at
your school or institute. If you are deferring to become eligible for Youth
Allowance make sure you know the required criteria because these rules
have changed significantly throughout 2010. Always contact Centrelink
for more information.
How do I get part-time employment?
Have up-to-date copies of your resumé and references. Complete a
‘Responsible Serving of Alcohol’ and/or ‘Food Handling’ certificate. Prior
experience, promoting your enthusiasm and a lot of ‘door-knocking’ at
businesses will help.
When should I buy my textbooks?
It’s best to wait and see which textbooks are ‘required’ and which are
‘recommended’.
What should I know about renting with other students?
You should arrange a house meeting early on to sort out household
responsibilities such as shopping, bills and rent payments, cleaning and
cooking, and dispute resolution.
For more information, refer to the Accommodation Costs section of
this guide.
How do I apply for scholarships?
Make sure you know the criteria, application procedures and cut off dates.
Have character references ready in advance and forward them when
required. Don’t be put off if you miss out, reapply the following year.
Check out the Going to Uni website www.goingtouni.gov.au and other
websites detailed in the Scholarships section of this guide.
Can scholarships affect my Youth Allowance?
In some cases, Centrelink considers scholarships as ‘earned’ income and
this could affect your Youth Allowance payments. It is important to check
with Centrelink. Australian Government scholarships are not considered
by Centrelink as earned income so they will not affect your Youth
For more information, refer to the Employment Options section of
this guide.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 38
Life as a uni and TAFE student
Frequently asked questions continued
Allowance payments. Up to $6762 of merit and equity scholarships will
not be considered as earned income by Centrelink.
For more information, refer to the Government Support section of
this guide.
Is my Youth Allowance assessed as taxable income?
Yes. You can choose to have tax taken out of your Youth Allowance if you
wish but you will need to advise Centrelink of your request.
How do I change from student residence accommodation
to renting?
It is important to thoroughly read the contract before you sign. There may
be time limits for how long you are required to stay in student residences.
Usually contracts cover at least one semester or more than likely, the full
academic year. There may be penalties for leaving early. Explore these
issues before making your final decision.
For more information, refer to the Accommodation Costs section of
this guide.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 39
ASG’s How to Survive
Uni and TAFE:
without living on two-minute noodles
Other information
Glossary of terms
Glossary of terms
ABSTUDY
ABSTUDY is a scheme for Indigenous Australian students to financially
assist their retention at school and further studies.
Centrelink Income Bank
Gives Centrelink recipients, who are working, some flexibility in the
amounts they can earn at different times throughout the year.
Australian Scholarships Group (ASG)
ASG is a not-for-profit friendly society that assists parents to provide for
their children’s future education costs in Australia and New Zealand.
Centrelink Liquid Assets Waiting Period
This is a waiting period penalty (up to 13 weeks) for Centrelink applicants
who are single without dependent children if they indicate that they have
more than $5,500 in monetary assets at the time of applying.
Austudy
An Australian Government scheme administered by Centrelink, Austudy
assists students over the age of 25 who are beginning tertiary courses.
Census
Refers to the deadline date where students must submit their request
for FEE-HELP and pay any ‘up front’ tuition fees. It is also the last date to
amend enrolment without being liable for course fees.
Centrelink
Is the Federal Government agency that administers ABSTUDY, Austudy
and Youth Allowance.
Centrelink Advance Payments
Is a lump sum payment (up to $500), which allows eligible students on
Centrelink benefits to access. It is repaid through a fortnightly deduction
from their allowance.
Centrelink Health Care Card
Gives concessions to the cardholder, i.e. discounted prescription
medicines, car registration, utility bills, free ambulance cover and public
transport concessions.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
Centrelink Rent Assistance
This is additional financial assistance available to students on Centrelink
benefits if they are required to live away from home to study.
Centrelink Fares Allowance
Students receiving the dependent ‘living away from home’ allowance can
claim two return trips each year from their home to their campus.
Commonwealth Learning Scholarships
Scholarships specifically to assist Indigenous and rural and regional
students who leave home to study. There are two types of scholarships
for these students, Commonwealth Education Scholarships and
Commonwealth Accommodation Scholarships. A student is able to
hold both at the same time.
Note: These scholarships are available only to those students who
previously received them, subject to academic progress and
full-time status.
page | 41
Glossary of terms continued
Commonwealth Supported Places (CSP)
Places at Universities that are subsidised by the Australian Government.
Community Training Organisations
These are organisations that provide Vocational Education and Training
(VET) opportunities to students.
FEE-HELP
This is a scheme for students who do not enrol in a Commonwealth
Supported Place at a University. This is applicable to many fee paying VET
courses and other undergraduate or postgraduate courses that don’t offer
CSP places such as private universities and Open University.
HECS-HELP
Is a loan from the Australian Government that allows university students
to defer their tuition fee and repay their debt at a later time.
Rural Tertiary Hardship Fund
A one-off grant for students living outside of Australian major capital
cities, and who have to relocate to commence their first bachelor degree.
Start Up Scholarships
Available to Youth Allowance, ABSTUDY and Austudy students each year
of their course.
Student Concession Card
Gives students discounts on public transport.
TAFE
Technical and Further Education institutes, which offer a wide variety of
VET courses.
Registered Private Providers
Privately run colleges that provide Vocational Education and Training
(VET) opportunities to students.
Tax File Number (TFN)
This is an individual number assigned to you by the Australian Taxation
Office. Students need to have a TFN to be eligible for a Commonwealth
Supported Place at a university, to get employment, apply for a Centrelink
health care card and receive Centrelink benefits.
Relocation Scholarships
Available to dependent students on Centrelink benefits who have to live
away from home to study.
VET Courses
Vocational Education and Training courses are provided by TAFE,
Registered Private Providers and Community Training Organisations.
RSA
This is a certificate course in the Responsible Serving of Alcohol. It is
usually completed in VET institutes.
Youth Allowance
Is a scheme administered by Centrelink to assist eligible students to
receive benefits usually while studying further education.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 42
Reference list
Reference list
‚‚ Access Economics, Locking in or losing prosperity: Australia’s Choice, Business
Council of Australia, July 2005, viewed 17/12/09 www.accesseconomics.com.au
‚‚ C
entrelink, 2009-10, ABSTUDY, Australian Government Centrelink, viewed
17/12/09, www.centrelink.gov.au
‚‚ ASG’s Online University Cost Calculator www.asg.com.au
‚‚ C
entrelink, 2009-10, Eligibility for Austudy, Australian Government Centrelink,
viewed 16/02/09, www.centrelink.gov.au
‚‚ A
ustralian Bureau of Statistics, A Picture Of The Nation – 2070.0, 2006, Canberra,
viewed 17/12/09, www.abs.gov.au
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2009, Information for Commonwealth Supported Students: HECS-HELP
2010, viewed 17/12/09 www.goingtouni.gov.au
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, CHESSN & myUniAssist, Australian Government Department of
Education, Employment and Workplace Relations, Canberra, viewed 17/12/09,
www.goingtouni.gov.au
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2010, Youth Allowance Overview, viewed 15/04/10,
www.deewr.gov.au/youthallowance
‚‚ A
ustralian Taxation Office 2009, Australian Taxation Office, Canberra, viewed
17/12/09, www.ato.gov.au
‚‚ A
ustralian Taxation Office 2009, Repaying your HECS-HELP debt in 2009-10 Guide,
Australian Taxation Office, Canberra, viewed 17/12/09, www.ato.gov.au
‚‚ Australian Taxation Office, Tax file numbers, Australian Government, Australian
Taxation Office, viewed 17/12/09, www.ato.gov.au
‚‚ B
radley, Professor Denise, Chair, Australian Government Review
of Higher Education, December 2008, Executive Summary viewed
17/12/09, www.deewr.gov.au/HigherEducation/Review/Pages/
ReviewofAustralianHigherEducationReport.aspx
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
‚‚ Centrelink, 2009-10, Independence Test for Youth Allowance, Australian
Government Centrelink, viewed 17/12/09, www.centrelink.gov.au
‚‚ Centrelink, 2009-10, Low Income Health Care Cards, Australian Government
Centrelink, Canberra, viewed 17/12/09, www.centrelink.gov.au
‚‚ Centrelink, 2009-10, Study Loads for Youth Allowance, Australian Government
Centrelink, viewed 17/12/09, www.centrelink.gov.au
‚‚ Centrelink, 2009-10, What is the maximum rate of pay under Wage Level A of
the Australian Pay and Classification Scale? Australian Government Centrelink,
viewed 17/12/09, www.centrelink.gov.au
‚‚ Centrelink, 2009-10, Eligibility for Rent Assistance, Australian Government
Centrelink, viewed 17/12/09, www.centrelink.gov.au
‚‚ Centrelink, 2009-10, Eligibility for Youth Allowance, Residence Requirements for
Youth Allowance, Australian Government Centrelink, viewed 17/12/09,
www.centrelink.gov.au
‚‚ Centrelink, 2009-10, How much Advance Payment do I get? Australian
Government Centrelink, viewed 17/12/09, www.centrelink.gov.au
‚‚ Centrelink, 2010, New Scholarships for students in higher education, Australia,
viewed 23/03/10 www.centrelink.gov.au/internet/internet.nsf/individuals/
new_scholarships.htm
‚‚ Centrelink, 2009-10, How much Fares Allowance do I get? Australian Government
Centrelink, viewed 17/12/09, www.centrelink.gov.au
page | 43
Reference list continued
‚‚ Centrelink, 2009-10, Parental income test, Australian Government Centrelink,
viewed 17/12/09, www.centrelink.gov.au
‚‚ Centrelink, 2009-10, Personal income, Australian Government Centrelink, viewed
17/12/09, www.centrelink.gov.au
‚‚ Centrelink, Liquid Assets, Australian Government Centrelink, Canberra, viewed
17/12/09, www.centrelink.gov.au
‚‚ Centrelink, Personal Income test, Australian Government Centrelink, Canberra,
viewed 17/12/09, www.centrelink.gov.au
‚‚ C
ommonwealth of Australia, 2009-10, Commonwealth scholarships, Australian
government, Department of Education, Employment and Workplace Relations,
Canberra, viewed 17/12/09, www.deewr.gov.au/highereducation/pages/
default.aspx
‚‚ C
ommonwealth of Australia, 2009-10, Support for Student Services, Amenities,
Representation and Advocacy, Australian government, Department of
Education, Employment and Workplace Relations, Canberra, viewed
05/01/2010, www.deewr.gov.au/highereducation/programs/studentsupport/
VoluntaryStudentUnionism/TF/Pages/overview.aspx
‚‚ M
arks, Gary, 2008, The Occupations and Earnings of Young Australians: The Role of
Education and Training, LSAY Research Report 55, ACER viewed 17/12/09,
www.acer.edu.au
‚‚ M
edicare Australia, 2009, Saving you money on medicine, Australian Government
Medicare Australia, Canberra, viewed 17/12/09, www.medicare.gov.au
‚‚ P
ayne, Alicia and Percival, Richard, NATSEM Report, What price the clever country?
The costs of tertiary education in Australia, Issue 21, November 2008, viewed
17/12/09 www.canberra.edu.au/centres/natsem/publications.
‚‚ S tate Government of Victoria, Department of Human Services, 2010, Bond Loan
Scheme, Department of Human Services, Melbourne,
www.housing.vic.gov.au/private-renters-assistance, viewed 17/12/09.
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
page | 44
Index
Index
ABSTUDY 25-26, 28-29, 35, 41-43
Accommodation options and costs 9-12, 20-22, 27, 29, 35, 38, 39,41
Budget Template 12
Australian Scholarships Group (ASG) 2, 5, 10, 41, 46
Austudy 7, 25, 28-29, 35, 41-43
Author - Vince Callaghan 7
Benefits of further education 6
Budgeting 9-11, 21, 36
Census 17-18, 41
Centrelink references 15, 19, 22-23, 25-28, 30-31, 35-39, 41-44
Commonwealth Accommodation Scholarship 29, 41
Commonwealth Learning Scholarships 41
Commonwealth Supported Places (CSP) 15-16, 35, 37, 42-43
Community Training Organisations 6, 15, 42
Compulsory university student fee 17
Computers 10-12, 19-20
Deferred HECS-HELP payments 15
Employment options for students 26-27, 31-32, 34, 38, 42
Equipment 10, 12, 19
Estimated annual post-secondary study costs 9-11
Failing course units 17
FEE-HELP 15, 17-18, 41-42
Full-fee tuition courses for Australian students 17
ASG’s How to survive uni and TAFE—without living on two-minute noodles | www.asg.com.au
Glossary of terms 41-42
Government support 25, 36
HECS-HELP 15-18, 35, 37, 42
Help 34
Living costs 23, 31
Payment options for CSP 16
Registered Private Providers 42
Relocation and Start-Up Scholarship 25, 28-29, 42
Responsible Serving of Alcohol (RSA) 31, 42
Scholarships 27, 29-30, 36, 38-39
Student concession card 42
Study-related costs 9, 19
Tax File Number (TFN) 16, 18, 35, 42
Textbooks 10, 19, 38
Travel 13, 19, 22-23, 25, 28, 32, 38
Tuition fees and course costs 15-16, 41
University course bands 15-16
University courses 15-16, 35
University websites 18, 20
VET courses 15, 18-20, 25, 29, 31-32, 34-35, 37, 42
VET websites 35
Withdrawing from a course or subjects 17-18
Youth Allowance 25-31, 34-35, 37-39, 41-42
page | 45
About the Australian Scholarships Group (ASG)
ASG’s How to Survive Uni and TAFE–without living on two-minute noodles is
provided to students and parents as an education support initiative of the
Australian Scholarships Group (ASG). ASG is a not-for-profit organisation
and a specialist education benefits provider. As a not-for-profit
organisation, ASG Members share the benefits.
ASG has helped more than 397,000 Member parents prepare for the cost
their children’s education and in the past financial year has supported
more than 43,000 students in their secondary or post-secondary
education. ASG has returned more than $A1.2 billion in education benefits
to Members and their children since its inception and has more than
$1.6 billion in funds under management.
ASG offers a proven and proactive way to ensure the education dreams
that parents have for their children can be nurtured and funded.
For more information about ASG and its range of education and
parenting support initiatives visit www.asg.com.au or call 1800 648 945.
ASG’s How to Survive Uni and TAFE–without living on two-minute noodles
- Published 2011.