citizenship, kids soon to be in university and HECS (complicated questions)
Hi,
We need some advice please. We emigrated in Oct 2005 on permanent resident visa. Daughter is now finishing year 12. University is looking very expensive. I am trying to understand HECS and fees. Plus it would seem that permanent residency counts for very little as you must be a citizen to access HECS. Anyone experienced this? Why HECS, is that cheaper than paying up front (we can stick the fees on the mortgage), the universities list two prices and UAI scores, i.e. HECS or non commonwealth funded? How do we go about citizenship, we are eligible this Oct. Can you apply in advance, if so how do you go about it? If we have a 6 months wait from Oct this will take us past the uni enrollment date and could effect which category that we can apply under. All very complicated and new. Any help appreciated. Thanks Alex and Tara |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by ali south
(Post 5162871)
Hi,
We need some advice please. We emigrated in Oct 2005 on permanent resident visa. Daughter is now finishing year 12. University is looking very expensive. I am trying to understand HECS and fees. Plus it would seem that permanent residency counts for very little as you must be a citizen to access HECS. Anyone experienced this? Why HECS, is that cheaper than paying up front (we can stick the fees on the mortgage), the universities list two prices and UAI scores, i.e. HECS or non commonwealth funded? How do we go about citizenship, we are eligible this Oct. Can you apply in advance, if so how do you go about it? If we have a 6 months wait from Oct this will take us past the uni enrollment date and could effect which category that we can apply under. All very complicated and new. Any help appreciated. Thanks Alex and Tara In exactly the same boat with a daughter in year 12 and wanting to go to Uni next year. We are not legible for citizenship until December so it is really cutting it fine for us! As far as I know, HECS is a low/no interest loan and the cheapest way of affording Uni. As a PR, it means nothing, you have to pay the full fees ($30k?) up front so a HECS loan is ideal if you don't want that extra debt! I spoke to people at HECS and officials re: citizenship and this is what they told me: Get your daughter to apply for the Uni and get the approvals subject to OP etc. Using that letter, you can apply for citizenship early with a covering letter explaining why you need to. Now they will not let you become citizens BEFORE your 2-year period but they can get everything in order so that you can take the citizenship test etc as close as possible to your 2-year anniversary. Other stress-free options to consider are convince your daughter to take a year off! Or, you can pay for 6-months fees (whatever) and apply for HECS later on to cover the balance. Anyone else who can help out here would be good as it is intense as my daughter still hasn't selected a college or even a course yet! Andrew |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
There can be up to three different fees for Uni courses in NSW.
The fee for a commonwealth supported place is a standard fee within four bands (I think) - what they call National Priorities (teaching/nursing approx $4k p.a.) is the cheapest, followed by Arts ($5k) etc, then accounting, economics, science etc ($7k), then Law, Medicine/Vet science ($8k) etc which are the most expensive. Some unis offer Fee-paying places on some courses which cost more than a commonweath-supported place. This is usually the first cost listed in UAC guide (I've only got last years so I don't know how current it is). They also have a lower UAI than the commonwealth-supported places. (You are effectively buying your place). Then you get the International fees for overseas students which are more expensive again and the second cost listed in the UAC. If you only have PR my understanding is you cannot get HECS, which is only a student loan, so you will have to pay up-front. But you can still qualify for a commonwealth-supported place OR a fee-paying place. You won't have to pay the extortionate International fees as you will be a domestic student. Hope that makes sense! |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by NickyC
(Post 5163557)
There can be up to three different fees for Uni courses in NSW.
The fee for a commonwealth supported place is a standard fee within four bands (I think) - what they call National Priorities (teaching/nursing approx $4k p.a.) is the cheapest, followed by Arts ($5k) etc, then accounting, economics, science etc ($7k), then Law, Medicine/Vet science ($8k) etc which are the most expensive. Some unis offer Fee-paying places on some courses which cost more than a commonweath-supported place. This is usually the first cost listed in UAC guide (I've only got last years so I don't know how current it is). They also have a lower UAI than the commonwealth-supported places. (You are effectively buying your place). Then you get the International fees for overseas students which are more expensive again and the second cost listed in the UAC. If you only have PR my understanding is you cannot get HECS, which is only a student loan, so you will have to pay up-front. But you can still qualify for a commonwealth-supported place OR a fee-paying place. You won't have to pay the extortionate International fees as you will be a domestic student. Hope that makes sense! Are there many commonwealth supported places? Is it hard to gain a spot. My daughter wants to do a teaching degree or Bachelor of arts. Many thanks Tara |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by andrew63
(Post 5162913)
Hi
As far as I know, HECS is a low/no interest loan and the cheapest way of affording Uni. As a PR, it means nothing, you have to pay the full fees ($30k?) up front so a HECS loan is ideal if you don't want that extra debt! Andrew |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by ali south
(Post 5165514)
thanks, so HECS is still the same fee but on a student loan basis??
Are there many commonwealth supported places? Is it hard to gain a spot. My daughter wants to do a teaching degree or Bachelor of arts. Many thanks Tara The great majority of uni places are commonwealth-supported and it's only the big city universities that even offer fee-paying places for domestic students. They get a lot of criticism for doing it because it's seen as a money-making exercise at the expense of better candidates. It's not hard to get a commonwealth-supported place - as long as your HSC result/UAI is high enough for the course you want to do. Fee-paying places are for less-bright kids who don't make the proper UAI cutoff but whose parents are rich ;) - they are in the minority. If your daughter wants to teach, then you should only be up for fees of $3000-3500 per year (cheapest CSP band less 20% for paying up-front). My younger son is doing Arts at UNSW and we pay up-front about $4000 a year for him. I don't think it's expensive - it's far less than the school fees we used to pay. Apologies - just realised that PRs do not get the 20% discount for paying up-front so you'd pay the full $4k per year for teaching, $5k per year for Arts on a commonwealth-supported place. |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by ali south
(Post 5162871)
Hi,
We need some advice please. We emigrated in Oct 2005 on permanent resident visa. Daughter is now finishing year 12. University is looking very expensive. I am trying to understand HECS and fees. Plus it would seem that permanent residency counts for very little as you must be a citizen to access HECS. Anyone experienced this? Why HECS, is that cheaper than paying up front (we can stick the fees on the mortgage), the universities list two prices and UAI scores, i.e. HECS or non commonwealth funded? How do we go about citizenship, we are eligible this Oct. Can you apply in advance, if so how do you go about it? If we have a 6 months wait from Oct this will take us past the uni enrollment date and could effect which category that we can apply under. She should investigate what happens if she becomes a citizen part-way through her degree. You can't apply for citizenship before you have the 2 years, sorry. |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by JAJ
(Post 5165985)
Without citizenship, your daughter will pay domestic fees (not international) but will not be eligible for HECS fee deferral/discount, which makes a difference of 25%.
She should investigate what happens if she becomes a citizen part-way through her degree. You can't apply for citizenship before you have the 2 years, sorry. Andrew |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Debsy got her citizenship on Aus Day this year and started at Uni with HECS in February. She had no problem getting it all sorted.
|
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by NickyC
(Post 5165879)
Yes, HECS is the same fee. Though actually you do pay more if you use HECS - if you pay up front you get a 20% discount.
The great majority of uni places are commonwealth-supported and it's only the big city universities that even offer fee-paying places for domestic students. They get a lot of criticism for doing it because it's seen as a money-making exercise at the expense of better candidates. It's not hard to get a commonwealth-supported place - as long as your HSC result/UAI is high enough for the course you want to do. Fee-paying places are for less-bright kids who don't make the proper UAI cutoff but whose parents are rich ;) - they are in the minority. If your daughter wants to teach, then you should only be up for fees of $3000-3500 per year (cheapest CSP band less 20% for paying up-front). My younger son is doing Arts at UNSW and we pay up-front about $4000 a year for him. I don't think it's expensive - it's far less than the school fees we used to pay. Apologies - just realised that PRs do not get the 20% discount for paying up-front so you'd pay the full $4k per year for teaching, $5k per year for Arts on a commonwealth-supported place. |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by moneypen20
(Post 5166106)
Debsy got her citizenship on Aus Day this year and started at Uni with HECS in February. She had no problem getting it all sorted.
If you have to pay the fees, I think you may be able to get a discount for paying up front. |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by JAJ
(Post 5165985)
Without citizenship, your daughter will pay domestic fees (not international) but will not be eligible for HECS fee deferral/discount, which makes a difference of 25%.
She should investigate what happens if she becomes a citizen part-way through her degree. You can't apply for citizenship before you have the 2 years, sorry. I am 2nd/3rd year, studying education. (2nd / 3rd year as I am managing to fasttrack my four year degree into 3.5 yrs by doing extra subjects). 1st year of my study, I paid full fees, as we weren't Aussie citizens. I had to pay in full upfront at $499 per core education subject. This year, with citizenship, I can either defer my fees and pay them back when I graduate and am earning above the threshold, or pay them in full, upfront and receive a 20% discount. An education core subject costs $499 per subject, with discount of 20% they charge me $399. Bit sickening really that once you have citizenship, they'll knock 20% off the fees if you pay up front. That means for my 1st year of study I paid upfront an extra $600 more than I really should have. I'm still paying upfront, I'm still the same person, still studying the same course. Difference is I'm a citizen now. What a load of crap. There's no way i'd have started a degree and then left the country, so why not give the 20% discount to all who pay upfront. Another bloody money spinner.:curse: |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by steandleigh
(Post 5205384)
The difference is 20%.
I am 2nd/3rd year, studying education. (2nd / 3rd year as I am managing to fasttrack my four year degree into 3.5 yrs by doing extra subjects). 1st year of my study, I paid full fees, as we weren't Aussie citizens. I had to pay in full upfront at $499 per core education subject. This year, with citizenship, I can either defer my fees and pay them back when I graduate and am earning above the threshold, or pay them in full, upfront and receive a 20% discount. An education core subject costs $499 per subject, with discount of 20% they charge me $399. Bit sickening really that once you have citizenship, they'll knock 20% off the fees if you pay up front. That means for my 1st year of study I paid upfront an extra $600 more than I really should have. I'm still paying upfront, I'm still the same person, still studying the same course. Difference is I'm a citizen now. What a load of crap. There's no way i'd have started a degree and then left the country, so why not give the 20% discount to all who pay upfront. Another bloody money spinner.:curse: All potentially very scary as I will have 2 kids going through together. 5k each is manageable but 19k each is not! (I think that is yje fee if you are a full paying student at Sydney Uni) Daughter has now decided teaching is too narrow and wants to do BA and then one year qual in teaching. Current Principal said he would give her a job after uni too! Thanks again Tara |
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by ali south
(Post 5205021)
so what is your son majoring in, is it anything to do with anational priority subjects?
|
Re: citizenship, kids soon to be in university and HECS (complicated questions)
Originally Posted by ali south
(Post 5205401)
Thanks for your reply, so, if you don't mind me asking, how much are you paying each year in total and which uni do you attend?
Tara I attend JCU in Cairns due to our location. Education costs $599 per core subject and around $615 per elective. An average year costs $4800ish, plus book list (which last year was $800:eek: - that's required books plus other materials). If you can pay upfront then you get 20% off your fees. :) |
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