Interstate financial help

[happyhappyland]

Im thinking of moving to Queensland for vet science since I have no gareenteed entry into any courses I want to do at melb and was wondering how people pay for living expenses and the such. Assuming my parents are giving me nothing, I would need around 18k a year. Would there be any bank willing to provide me a loan without monthly repayments? Youth Allowance wouldnt be enough and Im not sure how else to survive financially.

[Nokiacharger]

I think your figure of 18k is pretty conservative. My friend studies medicine in Queensland and he told me not to bother trying without 30 grand a year. Consider a) a place to live = 16k if you stay at a college b)food c)books d)transport (car or train or w.e) e) going out

He has nearly finished this year and he said he would break 30k by the end of the year and he's from a poor family and his parents are paying.

Just letting you know what you are in for.

[jane1234]

Im thinking of moving to Queensland for vet science since I have no gareenteed entry into any courses I want to do at melb and was wondering how people pay for living expenses and the such. Assuming my parents are giving me nothing, I would need around 18k a year. Would there be any bank willing to provide me a loan without monthly repayments? Youth Allowance wouldnt be enough and Im not sure how else to survive financially.

Centrelink:

Youth allowance
Student start-up scholarship
Relocation scholarship
Rent assistance (don't know if this is applicable for residential colleges EDIT: Think it is, just googled it.)
Fares allowance (helps with going home for holidays)

Part time job would help (maybe 15 hours a week?)

If you got a scholarship from the university then that would clearly help things too.

I'm in a similar situation, but I calculated and you can get a max of ~$16,400 from Centrelink and if you get about $150 per week from a part time job then you're looking at about $22,000 per year. Although I know personal income affects Youth Allowance, so it might would be less. Think you can earn $236 per fortnight until your YA payment is affected.

Don't quote me on these figures, I might be completely wrong.

Also, for your first year the Relocation scholarship is ~$4,000 instead of $1,000.

And I'm pretty sure you wouldn't need $30,000 per year. I think maybe $22-25K would be more realistic.

[Russ]

Rent assistance isn't applicable to a residential college, because you're choosing a much more expensive option

If you choose college then transport and food become negligible and you'll probably also get opportunities to work through them.

I would strongly advise against a personal loan because you'll be paying a lot for the privilege (unless your parents feel like an extra mortgage)

Working part time is the easiest solution, but it becomes tough to balance that with uni commitments

[jane1234]

Rent assistance isn't applicable to a residential college, because you're choosing a much more expensive option

If you choose college then transport and food become negligible and you'll probably also get opportunities to work through them.

I would strongly advise against a personal loan because you'll be paying a lot for the privilege (unless your parents feel like an extra mortgage)

Working part time is the easiest solution, but it becomes tough to balance that with uni commitments

I read here http://community.boredofstudies.org/showthread.php?t=233521&page=1 that you can claim RA even if you are staying in a residential college?

[Russ]

Hmm, interesting. I was going with what I've heard, but if somebody is actually claiming it then they're more likely to be correct

[Eriny]

You can claim rent assistance if you're on-campus, it's just that the payment you get will only cover about 25% of rent costs (still a decent amount though!). I get rent assistance.

[paulsterio]

Become a tutor!

[mikee65]

What was the cutoff for guaranteed entry over there?

[simpak]

Why is guaranteed entry so attractive?  Rather save myself the 30k and the trouble and stay at home, even if my prospects were less certain.  Or do you mean your current average indicates you wouldn't be accepted into a vet sci major.  In which case I guess I get where you're going with things but still...a lot of money for it.  Consider just taking another major and applying to the four year doctorate pathway at the end of Science?

[mikee65]

I doubt its the latter mavis,

Weigh certainty against doubt...guess who wins

[happyhappyland]

Why is guaranteed entry so attractive?  Rather save myself the 30k and the trouble and stay at home, even if my prospects were less certain.  Or do you mean your current average indicates you wouldn't be accepted into a vet sci major.  In which case I guess I get where you're going with things but still...a lot of money for it.  Consider just taking another major and applying to the four year doctorate pathway at the end of Science?

I went to Melb Open day and theres around 70 places for vet science major (which leads to vet). Given that many people have over 98.4 and those who wish to pay full fee have 95 my chances arent that high (even with all H1s in my science subjects). I emailed queensland and they have 75% of their places going to non-standards with the GPA to be competitve being 5.8

Im not sure if I can get any youth allowance since my parent's income is over 100k. They want me to do med so they are cutting me off if I do vet science (how nice...)

[jane1234]

Why is guaranteed entry so attractive?  Rather save myself the 30k and the trouble and stay at home, even if my prospects were less certain.  Or do you mean your current average indicates you wouldn't be accepted into a vet sci major.  In which case I guess I get where you're going with things but still...a lot of money for it.  Consider just taking another major and applying to the four year doctorate pathway at the end of Science?

I went to Melb Open day and theres around 70 places for vet science major (which leads to vet). Given that many people have over 98.4 and those who wish to pay full fee have 95 my chances arent that high (even with all H1s in my science subjects). I emailed queensland and they have 75% of their places going to non-standards with the GPA to be competitve being 5.8

Im not sure if I can get any youth allowance since my parent's income is over 100k. They want me to do med so they are cutting me off if I do vet science (how nice...)

I think you can get YA if you move, it says somewhere...

Found it: http://www.centrelink.gov.au/internet/internet.nsf/factors/away_home.htm

Pretty sure it won't matter what your parents get if you have to move... could be wrong though...

[simpak]

Im not sure if I can get any youth allowance since my parent's income is over 100k. They want me to do med so they are cutting me off if I do vet science (how nice...)

!!!, swap parents please.
My mother would much prefer I be interested in vet than med.
She also just retired so I might be eligible for youth allowance for the first time ever.

And I think (even if you're not living at home) your parent's income will influence your allowance to some degree.

Anyway, would you wait to see if you got in at least?  I don't know when you find this information out, I know absolutely nothing of the application process actually.  However, I do have a friend who is doing the vet sci major and she only got like a 75 or something in Physics Fundamentals, so if you have straight H1s I see no reason why you should be discouraged from applying and getting in.

[mikee65]

Yes unfortunately parental income is a factor, if under the threshold your eligible for the maximum amount, unless you live within 90 minutes from parental residence