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ASG’s How to Survive
Uni and TAFE 2012:
without living on two-minute noodles
Other information
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 member driven, 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 $6,000 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.
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.
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 Fares Allowance
Students receiving the dependent ‘living away from home’ allowance can
claim two return trips each year from their home to their campus. Check
Centrelink for details.
Centrelink
Is the Federal Government agency that administers ABSTUDY, Austudy
and Youth Allowance.
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.
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.
Note: These scholarships are available only to those students who
previously received them, subject to academic progress and
full-time status.
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Other information
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.
OS-HELP
A HECS type loan scheme to assist students who are undertaking a
portion of their course overseas. Students can receive one loan per six
months for up to two study periods.
Registered Private Providers
Privately run colleges that provide Vocational Education and Training
(VET) opportunities to students.
Relocation Scholarships
Available to dependent students on Centrelink benefits who have to live
away from home to study.
RSA
This is a certificate course in the Responsible Serving of Alcohol. It is
usually completed in VET institutes.
Rural Tertiary Hardship Fund
This fund has been discontinued as of 1 January 2012.
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.
Student Services and Amenities Fee (SSAF)
A compulsory fee of up to $263 levied by the university to cover services
such as sporting and recreational activities, careers and employment
services, childcare, financial advice and food services. You can use a HECS
type loan to pay the fee.
TAFE
Technical and Further Education institutes, which offer a wide variety of
VET courses.
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.
ASG’s How to Survive Uni and TAFE 2012: without living on two-minute noodles | www.asg.com.au page | 45
Other information
Glossary of terms continued
VET Courses
Vocational Education and Training courses are provided by TAFE,
Registered Private Providers and Community Training Organisations.
VET FEE-HELP
This is a HECS-style loan scheme specific to the Vocational Education and
Training (VET) courses.
Youth Allowance
Is a scheme administered by Centrelink to assist eligible students to
receive benefits while studying. You can be eligible generally from the
age of 16. There are some exceptions for homeless students.
ASG’s How to Survive Uni and TAFE 2012: without living on two-minute noodles | www.asg.com.au page | 46
Other information
Reference list
Reference list
‚‚ Access Economics, Locking in or losing prosperity: Australia’s Choice, Business
Council of Australia, July 2005, viewed 17/02/12 www.accesseconomics.com.
au (Note: Access Economics has joined with Deloitte to become Deloitte Access
Economics, however this report resides on the organisation’s previous website)
‚‚ A
ustralian Government Department of Education, Employment and
Workplace Relations, 2012, What happened to the Student Learning Entitlement
(SLE) systems? viewed 17/02/12, http://www.studyassist.gov.au/sites/
studyassist/helpfulresources/faqs/pages/faqs
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ustralian Bureau of Statistics, A Picture Of The Nation – 2070.0, 2006, Canberra,
viewed 17/02/12, www.abs.gov.au
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ustralian Government Department of Education, Employment and Workplace
Relations, 2012, Student Services and Amenities Fee, viewed 17/02/12,
http://www.deewr.gov.au/HigherEducation/Programs/StudentSupport/
StudentServicesandAmenities/Pages/Home.aspx
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, Information for Commonwealth Supported Students:
HECS-HELP 2012, viewed 17/02/12 www.studyassist.gov.au/sites/StudyAssist/
HelpfulResources
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ustralian Government Department of Education, Employment and Workplace
Relations, 2012, Youth Allowance Overview, viewed 17/02/12,
www.deewr.gov.au/youthallowance
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, VET FEE-HELP, viewed 17/02/12, www.studyassist.gov.au/sites/
studyassist/helppayingmyfees/vet-fee-help/pages/vet-fee-help
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, Lowering the HECS-HELP discount, viewed 17/02/12
http://studyassist.gov.au/sites/studyassist/news/pages/
loweringthehecshelpdiscount
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, Can I pay off my HECS debt sooner? viewed 17/02/12,
http://studyassist.gov.au/sites/studyassist/payingbackmyloan/loan-repayment
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, FAQs—Withdrawing, viewed 17/02/12, http://studyassist.gov.
au/sites/studyassist/helpfulresources/faqs
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, Student Services and Amenities Fee Payment options, viewed
17/02/12, http://studyassist.gov.au/sites/studyassist/helppayingmyfees/sa-help/
pages/sa-help
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, FEE-HELP, viewed 17/02/12, http://studyassist.gov.au/sites/
studyassist/helppayingmyfees/fee-help/pages/fee-help
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, OS-HELP, viewed 17/02/12, http://studyassist.gov.au/sites/
studyassist/helppayingmyfees/pages/os-help-loans-and-study-overseas
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, When do ‘special circumstances’ apply? viewed 17/02/12, http://
www.studyassist.gov.au/sites/studyassist/helpfulresources/faqs/pages/faqs
‚‚ A
ustralian Government Department of Education, Employment and Workplace
Relations, 2012, Rural Tertiary Hardship Fund, viewed 17/02/12, www.deewr.gov.
au/HigherEducation/Programs/Funding/RTHF/Pages/default.aspx
‚‚ A
ustralian Scholarships Group’s (ASG), ASG’s Online University Cost Calculator,
viewed 17/02/12, www.asg.com.au
ASG’s How to Survive Uni and TAFE 2012: without living on two-minute noodles | www.asg.com.au page | 47
Other information
Reference list continued
‚‚ A
ustralian Taxation Office 2009, Australian Taxation Office, Canberra, viewed
17/02/12, www.ato.gov.au
‚‚ Centrelink, 2011-12, Independence Test for Youth Allowance, Australian
Government Centrelink, viewed 17/02/12, www.centrelink.gov.au
‚‚ A
ustralian Taxation Office 2012, Repaying your HECS-HELP debt in 2011-12 Guide,
Australian Taxation Office, Canberra, viewed 17/02/12, www.ato.gov.au
‚‚ Centrelink, 2011-12, Low Income Health Care Card, Australian Government
Centrelink, Canberra, viewed 17/02/12, www.centrelink.gov.au
‚‚ Australian Taxation Office, Guide to tax file numbers, Australian Government,
Australian Taxation Office, viewed 17/02/12, www.ato.gov.au
‚‚ Centrelink, 2011-12, Personal income test, Australian Government Centrelink,
viewed 17/02/12, www.centrelink.gov.au/internet/internet.nsf/payments/
chartda.htm
‚‚ B
radley, Professor Denise, Chair, Australian Government Review of
Higher Education, December 2008, Executive Summary viewed
17/02/12, www.deewr.gov.au/HigherEducation/Review/Pages/
ReviewofAustralianHigherEducationReport.aspx
‚‚ C
entrelink, 2011-12, ABSTUDY, Australian Government Centrelink, viewed
17/02/12, www.centrelink.gov.au
‚‚ C
entrelink, 2011-12, Earnings for independent classification, Australian
Government Centrelink, viewed 17/02/12, www.centrelink.gov.au
‚‚ Centrelink, 2011-12, Eligibility for Austudy, Australian Government Centrelink,
viewed17/02/12, www.centrelink.gov.au
‚‚ Centrelink, 2011-12, Eligibility for Rent Assistance, Australian Government
Centrelink, viewed 17/02/12, www.centrelink.gov.au
‚‚ Centrelink, 2011-12, Eligibility for Youth Allowance, Residence Requirements for
Youth Allowance, Australian Government Centrelink, viewed 17/02/12,
www.centrelink.gov.au
‚‚ Centrelink, 2011-12, Fares Allowance, Australian Government Centrelink, viewed
17/02/12, www.centrelink.gov.au/internet/internet.nsf/payments/fares.htm
‚‚ Centrelink, 2011-12, How much Advance Payment on Youth Allowance do I get?
Australian Government Centrelink, viewed 17/02/12, www.centrelink.gov.au
(see Youth Allowance brochure – PDF download at: http://www.centrelink.gov.
au/internet/internet.nsf/publications/st002.htm)
‚‚ Centrelink, 2011-12, Independence classification, Australian Government
Centrelink, viewed 17/02/12, www.centrelink.gov.au
‚‚ Centrelink, 2011-12, Relocation Scholarships, Australian Government Centrelink,
viewed 17/02/12, http://www.centrelink.gov.au/internet/internet.nsf/payments/
relocation_scholarship.htm
‚‚ Centrelink, 2011-12, Scholarship payment, Australian Government Centrelink,
viewed 17/02/12, http://www.centrelink.gov.au/internet/internet.nsf/
individuals/exempt_equity.htm
‚‚ Centrelink, 2011-12, Student regional area search, Australian Government
Centrelink, viewed 17/02/12, http://www.centrelink.gov.au/wps/portal/
clk_common/RIS
‚‚ Centrelink, 2011-12, Student Start-up Scholarships, Australian Government
Centrelink, viewed 17/02/12, http://www.centrelink.gov.au/internet/internet.
nsf/payments/start_up_scholarship.htm
‚‚ Centrelink, 2011-12, Study Loads for Youth Allowance, Australian Government
Centrelink, viewed 17/02/12, www.centrelink.gov.au
‚‚ Centrelink, 2011-12, The parental means test for Youth Allowance and ABSTUDY,
Australian Government Centrelink, viewed 17/02/12, www.centrelink.gov.au/
internet/internet.nsf/filestores/ah2229_1102/$file/ah2229_1102en.pdf
‚‚ Centrelink, 2011-12, What is the maximum rate of pay under Wage Level A of
the Australian Pay and Classification Scale? Australian Government Centrelink,
viewed 17/02/12, www.centrelink.gov.au
‚‚ Centrelink, 2012, Student Relocation Scholarship, Australia, viewed 17/02/12
www.centrelink.gov.au/internet/internet.nsf/payments/
relocation_scholarship.htm
ASG’s How to Survive Uni and TAFE 2012: without living on two-minute noodles | www.asg.com.au page | 48
Other information
Reference list continued
‚‚ Centrelink, 2012, Student Start-up Scholarship, Australia, viewed 17/02/12
www.centrelink.gov.au/internet/internet.nsf/payments/
start_up_scholarship.htm
‚‚ M
edicare Australia, 2012, Saving you money on medicine, Australian Government
Medicare Australia, Canberra, viewed 17/02/12, www.medicareaustralia.gov.au/
public/services/scripts/saving-money.jsp
‚‚ Centrelink, Changes to Youth Allowance, Austudy and ABSTUDY, Australian
Government Centrelink, Canberra, viewed 17/02/12, www.centrelink.gov.au/
internet/internet.nsf/individuals/change_independence.htm
‚‚ 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
17/02/12 www.natsem.canberra.edu.au (select publications).
‚‚ Centrelink, Income and assets, Australian Government Centrelink, Canberra,
viewed 17/02/12, www.centrelink.gov.au/internet/internet.nsf/individuals/
change_independence.htm
‚‚ S tate Government of Victoria, Department of Human Services, 2012, Bond Loan
Scheme, Department of Human Services, Melbourne, www.housing.vic.gov.au/
private-renters-assistance, viewed 17/02/12, www.housing.vic.gov.au/privaterenters-assistance
‚‚ Centrelink, Liquid Assets, Australian Government Centrelink, Canberra, viewed
17/02/12, www.centrelink.gov.au
‚‚ C
ommonwealth of Australia, 2011-12, Commonwealth scholarships, Australian
government, Department of Education, Employment and Workplace Relations,
Canberra, viewed 17/02/12, www.deewr.gov.au/highereducation/pages/
default.aspx
‚‚ V
ictoria Legal Aid, Centrelink allowances and payments – youth allowance,
Victoria, viewed 17/02/12, www.legalaid.vic.gov.au/735.htm
‚‚ C
ommonwealth of Australia, 2011-12, Support for Student Services, Amenities,
Representation and Advocacy, Australian government, Department of
Education, Employment and Workplace Relations, Canberra, viewed17/02/12,
www.deewr.gov.au/highereducation/programs/studentsupport/
studentservicesandamenities/pages/home.aspx
‚‚ C
ommonwealth of Australia, 2011-12, Student income support reforms, Australian
government, Department of Education, Employment and Workplace Relations,
Canberra, viewed 17/02/12, www.deewr.gov.au/HigherEducation/Programs/
StudentSupport/Pages/StudentIncomeSupportReforms.aspx
‚‚ M
arks, Gary, 2008, The Occupations and Earnings of Young Australians: The Role of
Education and Training, LSAY Research Report 55, ACER viewed 17/02/12,
www.acer.edu.au/documents/LSAY55.pdf
ASG’s How to Survive Uni and TAFE 2012: without living on two-minute noodles | www.asg.com.au page | 49
Other information
Index
Index
ABSTUDY 28-30, 32, 39
Accommodation options and costs 8, 10, 23-25, 30, 32, 38, 41, 42
Budgeting Template 12
Australian Scholarships Group (ASG) 4, 11, 51
Austudy 6, 28, 30, 32, 39
Author - Vince Callaghan 6
Benefits of further education 4-5
Budgeting 8-14, 24, 39
Census 19-20
Centrelink references 16, 21-22, 25-26, 28-34, 39, 40-42
Commonwealth Accommodation Scholarship 32
Commonwealth Supported Places (CSP) 9, 11, 16-17, 38, 40, 45
Community Training Organisations 5, 16, 45, 46
Compulsory university student fee 19
Computers 21-22
Employment options for students 30, 34, 41
Equipment 8, 9, 21-22
Estimated annual post-secondary study costs 8, 9-11
Failing course units 19
FEE-HELP 20, 44-45
Full-fee tuition courses for Australian university students 20
Glossary of terms 44-46
Government support 28-31
HECS-HELP 16-20, 38, 40
Help 37
Living costs 8, 26
OS-HELP 20
Payment options for CSP 17
Registered Private Providers 16
Relocation and Start-up Scholarship 28, 30-32
Responsible Serving of Alcohol (RSA) 34, 41
Scholarships 28, 30-33, 39, 41
Student concession card 21
Student Learning Entitlements 19
Study assist 16, 18, 20, 40-41
Study-related costs 21-22
Tax File Number (TFN) 17, 20, 39
Textbooks 8-9, 21-22, 39, 41
Travel 21-22, 25-26, 28, 31, 35, 41
Tuition fees and course costs 8-9, 11, 16-20
University course bands 17-18
University courses 16-17, 38
University websites 20, 23
VET courses 16, 20, 23, 32, 38, 40
VET FEE-HELP 16, 20, 38
VET websites 16, 38
Withdrawing from a course or subjects 19-20
Youth Allowance 28-34, 37, 39, 40-42
ASG’s How to Survive Uni and TAFE 2012: without living on two-minute noodles | www.asg.com.au page | 50
About the Australian Scholarships Group (ASG)
ASG’s How to Survive Uni and TAFE 2012: without living on two-minute
noodles is provided to students and parents as an education support
initiative of the Australian Scholarships Group (ASG).
Not-for-profit organisation and Australia’s specialist education benefits
provider, the Australian Scholarships Group (ASG), offers parents a proven
and proactive way to help nurture and fund their children’s education. As a
not-for-profit organisation, ASG Members share the benefits.
ASG has helped more than 243,000 families prepare for the cost of
their children’s education. Currently ASG has more than 90,000 families
enrolled in an ASG education program in Australia. In the past financial
year, ASG has supported more than 72,000 students in their secondary or
post-secondary education. ASG has returned more than $A1.4 billion in
education benefits to Members and their children since its inception and
has more than $1.6 billion in funds under management.
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 2012: without living on two-minute noodles
- Published 2012.