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I'm not promoting anything, I'm just making a point in a sarcastic nature.

You dont pick your major until 2nd year. All those units are the one's all communications students do, and then in 2nd and 3rd year you do units specific to your major.

Age: 25 Job: Marketing and CR Manager - 38hours per week Money in Bank: I think around 4k in actual savings Loans - HECS - ~2k, Car - still owe about 24-25k, Morgage - started off at $365k but it is between me and my partner.

Here are some copies of newsletters I get from UWS, there are a few stories of UWS law graduates. http://www.uws.edu.au/__data/assets/pdf_file/0017/110096/ALU1275_GradLife_8.pdf http://www.uws.edu.au/__data/assets/pdf_file/0010/75565/GradLife.pdf I think the whole purpose of UWS with their...

If thats what is says, pick those. The only way you could select other units is if they gave you the option of electives.

Go speak to the student centre

UWS has a lot of European students (both male and female)

The financial burden of having to repeat a unit The big fat FAIL on your transcript if you fail a unit And graduating uni in time i.e not going back to uni for one semester after everyone else graduates.

Sports management and property are too narrow, if you want to keep your options open. Management is something you can work your way into within many fields - your not going to go straight from being a graduate to a manager. HR and Marketing are kind of related. HR you are working internally...

well maybe I might get a nice tax return lol but if I do, I will be most probably putting it all back into my HECS, and get the 10% disocunt too

If you have academic credit, then you probably should wait util you find out what units you are exempt from before you select your units. Maybe the letters mean your last initial of you name...I dont know lol

By the way, just something that Im not sure about. If you have been in a job for say half the financial year, earning an income that is above the threshold, but you have not earnt that income in the full year becuase you have not worked in that job the full year, so your taxable income is below...

What about when the student pays the interest (CPI) for the HECS loan if they are deferring it. I think at the moment it is around 3.9%.

I dont think many people who are just starting uni have a spare 20K lying around.

I saved almost 4k in HECS fees by paying up front, unlikly you will gain 4k in interest.

I was only paying $2k a semester, and half of it was paid by my parents anyway, and they would prefer to pay for my education than put it towards a house for me and my partner, especially with the income he has. It was fine for me to put money towards paying off my HECS, I had nothing else to...

Well I was just speaking from my current situation. I already have a morgage and me and my fiance are paying it off. It's ok with our dual income and he does earn a lot more than i do, but paying an extra $70 a week in tax is just annoying when it can go towards other stuff.

No, they take it out of your tax. i.e If you are earning in the minimum income bracket to pay back HECS $43-48k you pay back 4%. I'm paying almost $4k in HECS this year (although I'll probably get a refund becuase its more than I owe) It may not seem like much out of your annual income, but...

I'm on $65k ex super and benefits..Just checked my payslip and I pay $75 a week in HECS repayments..knew it was around the 70 mark

1. You will have to see if the uni's do mid year transfers...some do and some dont. 2. No, uni transfers are based on ATAR and Uni marks 3. Aim as high as possible, but it really depends on your ATAR 4. You can get credited for subjects you do if they are recognised at the uni you are...