全职学习，可行吗?

pangpang

这两天突然萌生一个想法：全职读书。大家帮我看看有否可行性。
我是citizen，所以应该可以用HECS贷款交学费。（不太清楚年龄限制，>25好象可以的,应该是没有年龄上限的)
>25yrs old 可以申请Centrelink AUStudy.需要做财产和收入测试。既然我全职，收入几乎为零，房子还在还贷，应该可以拿到最高的补贴。不知道最高有多少pw? （不过，不是租房的话，是不是就拿不到最高?）。依靠这个补贴可以对付伙食费了。也就是说读书其间俺不需要靠别人来养活，也还可以打casual工增加点零花钱。

来到AU，除了前6个月，几乎没有怎么享受过政府福利。每天这么早九晚五的上班，尤其上班不太有事做，又不能上和工作无关的网站，实在郁闷 。何不选个轻松的方式活。重新学一个自己感兴趣的方向。学习总是一件快乐的事 。

coco-tang

太好了学啥

人民

未婚还是已婚？AUStudy是看家庭收入。HELP贷款读本科的自己还是要出20%的，master好像不要。TAFE的话，学费就可免了（HCC卡 holder).

个人觉得，如有工作，还想读书，为什么不part time 读书，每学期少读几门。

pangpang

to FL2: culture tourism, bachelor study 3 years. Not sure if I am eligible for Master course as my previous degree was in Engineering.

to FL3: I'd be very happy if my employer accept part time contract, say max. 2 days a week. If I study part time, the study period is too long and I can't get AUStudy allowance.

pangpang

quote from http://www.oursteps.com.au/bbs/v ... &extra=page%3D1 by powermao

前2个说完了，第三个 FEE-HELP 是什么？
FEE-HELP is a loan given to eligible fee-paying students to help pay part or all of their tuition fees.
From 1 January 2005 FEE-HELP replaced the previous schemes PELS and BOTPLS.
简单说，就是全额学费贷款。

FEE-HELP 什么人可以申请呢？
澳洲公民或难民
Australian citizens or holders of an Australian permanent Humanitarian visa.  Holders of other permanent visas which are not classified as Humanitarian may only access FEE-HELP if:
·they qualify under the transitional arrangements for pre-2005 PELS or
·they are undertaking a bridging course for overseas trained professionals.

能申请多少呢？
你课程的全部或部分学费，最大8万澳元，研究生段可以100％，本科段最大80％。
FEE-HELP limit
You can borrow up to the amount of the tuition fee being charged by your provider for your unit of study. However, over your lifetime you can borrow only up to the FEE-HELP limit. In 2007, the FEE-HELP limit is $80,000, and $100,000 for students studying dentistry, medicine or veterinary science. This amount is indexed each year.
A loan fee of 20% applies to FEE-HELP loans for undergraduate courses of study. The FEE-HELP limit does not include the loan fee. No loan fee applies to FEE-HELP loans for postgraduate courses, bridging courses for overseas-trained professionals, enabling courses or units of study undertaken directly with Open Universities Australia  (formerly OLA).
The Australian Government pays the amount of the loan directly to the student’s provider.
Students repay their loan through the tax system once their income is above the minimum threshold for compulsory repayment.


就是说白了，HELP就是LOAN，换了个名词而已，都是贷款，一个是给符合CSP条件困难学生的贷款，一个是正常的全额贷款，都是无息贷款。

那么，真的是无息贷款么？
不是的，没有利息，但是要乘以通货膨胀率，直接一点说，就是和国家的GDP增长率差不多，外行人叫货币增值率，呵呵。

qqyang

part time读书，full time工作嘛。读书的内容如果与工作相关，学费书费停车费还能够抵税。

pangpang

就是工作里乐趣不多，才想读书玩玩，为兴趣读，不以就业为终极目的。要是又读和工作相关的，岂不更闷？