Tej ntsiab lus tseem ceeb:
- Cov nyiaj qev pab kawm qib siab ( HELP loan) yog ib co as koj muaj peev xwm ncua tsis them txog rau thaum koj tau ib txoj hauj lwm ruaj ua tso.
- Thiab koj tsis tas them tej nuj nqe no txog rau thaum koj khwv tau nyiaj txog $51,550 rau ib xyoos twg tso.
- Koj yuav tsum yog ib tug pej xeem Australia los sis yog muaj ib co visa twg los sis yuav tsum nyog cov neeg nyob ntawm Australia mas thiaj muaj cai qev tau siv.
- Thiab yuav xam kom them tej nuj nqe qev kawm qib siab no raws li tej kab theem nyiaj poob nqe (Consumer Price Index).
Thaum uas teev npe kawm qib siab, ces koj yuav tau npaj seb yuav them koj tej sob kawm li cas.
Muaj ib txhia tub kawm ces yeej muaj peev xwm them kiag lawv tej nqe ntiav kawm lawv tej sob kawm ua ntej kom tsis txhob tiv nuj nqes, tab sis feem coob ces yeej qev tsoom fwv tej nyiaj los pab them tej nqe ntiav kawm. Tsoom fwv tej nyiaj uas qev los pab no hu ua cov nyiaj qev los kawm qib siab (Higher Education Loan Program los yog HELP).
Cov hom nyiaj HELP
Muaj 5 hom nyiaj HELP schemes, uas cov HECS-HELP thiab FEE-HELP yog ob co uas muaj neeg siv ntau tshaj plaws.
Raws li Stephanie Stockwell uas yog tus kis rau lub tuam chav tswj dej num kev kawm hais, ces koj yuav tsum mus teev zwm npe rau cov Commonwealth Supported Place (CSP) mas koj thiaj muaj cai qev tau cov nyiaj pab cuam HECS-HELP siv.
CSP ces yog thaum ib tug tub kawm teev npe mus kawm ntawm ib lub tsev kawm qib siab twg thiab tsoom fwv pab them nyiaj ncaj qha rau lub tsev kawm qib siab ntawd kom tus tub kawm ntawd tau them tej nqe kawm tag nrho pheej yig zog.Stephanie Stockwell, Department of Education spokesperson
“Txawm li cas los, yog tias ib tug tub kawm twg yeej tseem yuav tau them qee yam nqe kawm tej sob kawm, yog li thiaj muaj cov nyiaj HELP qev coj los pab, vim yog lawv muaj cai qev siv, ces lawv kuj yuav qev tau cov nyiaj HELP los them tej nqe sob kawm uas tseem yuav tau them ntawd thiab.”
Hos lwm yam ces yog cov FEE-HELP uas muaj peev xwm siv coj los teev zwm rau cov sob kawm yuav tau them cov nqe ntiav kawm kom txwm, yog tias lub teej kawm ntawm teb chaws Australia ntawd tsis pab them.
Ces thiaj nyob ntawm seb koj teev npe kawm qhov twg yuav ua cov txiav txim tias seb koj muaj cai qev tau cov nyiaj HELP li cas siv xwb.
Thiaj yog tej yam tseem ceeb yuav tau nco tias cov nyiaj qev los siv kawm ntawv li HECS-HELP thiab FEE-HELP loans yog ib co muaj peev xwm qev coj los siv them tej nqe kawm ntau yam sob kawm.
Yuav xam koj tej nuj nqe qev los kawm qib siab li cas? Source: Getty / Getty Images/Kanawa_Studio
Koj puas muaj cai qev tau cov nyiaj HELP siv?
Koj muaj cai qev tau siv yog tias koj yog:
- Ib tug pej xeem Australia uas yeej npaj yuav kawm qee yam sob kawm ntawm Australia.
- Ib tug neeg New Zealand tam sim no los yog dhau los uas yeej tau cov Special Category Visa uas yeej nyob ruaj ntev ntawm Australia thiab yeej kub siab yuav kawm kom tiav cov sob kawm ntawd ntawm teb chaws Australia.
- Ib tug neeg nyob ruaj thiab yog tus neeg tau cov Humanitarian Visa dhau los uas tseem nyob ntawm Australia rau lub caij tseem kawm.
- Ib tug neeg tau cov Pacific Engagement Visa siv.
Hos cov neeg ua hauj lwm txwv teb chaws los kuj muaj peev xwm thov tau ib cov FEE-HELP loan tsi ntsees twg siv kom lawv thiaj mus kawm tau lwm cov sob kawm uas xav kawm ntxiv thiab.
Ho yuav xam koj cov nuj nqes qev kawm qib siab (ELP debt) li cas?
Yeej xam tej nqe no them raws li cov unit uas koj kawm tsis yog xam raws xyoo kawm. Yog tias koj kawm cov sob kawm (unit) ntau npaum li cas ces yuav ua rau koj tiv cov nuj nqes qev los siv kawm qib siab ntau npaum li ntawd.
Bruce Chapman ces yog ib tug zeskais nto npe rau phab kawm txog Economics ntawm Australian National University thiab kuj yog tus pab tsim cov HECS system thaum pib.
Professor Chapman tshab txhais tias “Yog tias koj teev npe kawm ib co sob kawm qib siab twg, ces tej zaum koj yuav tau kawm 4 units rau thawj 3 hlis (first semester) thiab yuav ua rau koj yuav tau them 4 units ntawd xwb. Ces ib xyoos tej zaum koj yuav tau them $3,000 xwb, tab sis yog xyoo tom ntej koj tsuas kawm ib sob kawm xwb, ces koj tsuas tau them nqe li $500 ntxiv xwb.”
Ib daim duab yees ib pab tug kawm uas kawm ntawm Australia tej tsev kawm qib siab uas yog cov neeg coj ntseeg ntau yam kab lis kev cai sib txawv. Credit: funky-data/Getty Images
Ho yuav them tej nyiaj yus qev los ntiav kawm ntawv rov qab li cas?
Yus yeej tsis tas ua dab tsi li txog rau thaum yus nrhiav tau hauj lwm ua tso. Thiab thaum yus tus tswv lagluam txiv yus tej nyiaj hli uas khwv tau coj mus them se uas them ib zaug twg tso, ces lawv mam li rho me ntsis coj mus them yus tej nuj nqes uas qev coj los ntiav kawm qib siab ntawd.
Tab sis tsuas pib them tej nuj nqes no thaum yus khwv tau nyiaj raws li tsoom fwv tau teev tseg ib theem twg tso.
Tam sim no ces yog , ces koj yuav raug txiav se ntxiv li 1% coj mus them txog rau thaum koj them tag koj tej nuj nqe qev los siv ntawd.
Professor Chapman tshab txhais tias qhov ntawd yog ib qho tseem ceeb uas ua rau cov HELP system txawv tej nyiaj qev pab rau tej tub kawm txawv teb chaws siv los kawm ntawv.
Yog tias tej neeg qev nyiaj los kawm qib siab ntawd ho ntsib teeb meem li ho poob lawv tej hauj lwm, los yog ho muaj mob, los yog tab tom saib xyuas ib tug niam txiv laus neeg los yog ib tug me nyuam yug tshiab, ces lawv tsis tas txhawj txog cov kev yuav them tej nuj nqe no rov qab, thiab tsoom fwv mam li sau tej nyiaj no tom qab tuaj yog tias lawv ho khwv tau nyiaj zoo tuaj ntxiv lawm.Emeritus Professor Bruce Chapman in Economics at the Australian National University and the architect of the original HECS system.
Vim yus cov nuj nqes qev los ntiav kawm qib siab ntawd tsuas nyob rau ntawm seb yus khwv tau nyiaj li cas, thiab ib tug twg cov nyiaj khwv tau yeej sib txawv thiab, ces nyias thiaj muaj nyias ib co nuj nqes sib txawv thiab muaj cov kev npaj them rov qab sib txawv.
Ces zeskais Chapman thiaj tshab txhais tias cov HELP loans no thiaj txawv tej nyiaj qev ntawm tej txhab nyiaj, uas tej neeg qev yuav tsum tau them kom tag lawv tej nuj nqes rau ib lub caij twg.
Yog tham txog cov nuj nqe HECS lawm ces ib txhia tsuas them yog tias lawv khwv tau nyiaj ntau thiab tej zaum tsuas them li ntawm 5 lub xyoos xwb, tab sis ib txhia ces tsuas them tag txog rau thaum lawv so tsis ua hauj lwm lawm xwb.Bruce Chapman, Emeritus Professor in Economics, ANU
Txawm tias nom tswv yeej tsis hais kom yus pib them yus tej nuj nqes kom tag txog rau thaum yus khwv tau nyiaj li tsoom fwv tau teev tseg tso los yog ntev ntxiv tuaj ces yus kuj yuav muaj tej nuj nqe no ntau ntxiv tuaj lawm thiab.
Stephanie Stockwell thiaj ceeb toom tias “Txhua xyoo twg ces yuav muaj tej nuj nqe no xam rau yus them raws tej nyiaj poob nqe raws cov Consumer Price Index lawm.”
Tsis tas li ntawd los tsoom fwv kuj yuav hais kom yus them yus tej nuj nqe no rov qab yog tias yuas xaiv mus nyob txawv teb chaws rau ib lub caij twg. Thiab yus yuav tsum tau qhia tias seb yus ho puas khwv tau nyiaj txawv teb chaws li cas, thiab yeej muaj tej cai tswj tej nuj nqes HELP no siv coj los tswj yus.
Tsev kawm qib siab University of Sydney Source: AAP
"Cov kev thov qev tej nyiaj no yeej thov yooj yim xwb"
Raws li Renee Hindmarsh uas yog tus kis coj Universities Australia hais ces koj tsuas thov tib zaug rau lub caij koj tseem kawm koj cov sob kawm xwb.
“Tej tub kawm muaj cai thov yuav tsum tau xa daim form thov qev cov nyiaj HECS-HELP, uas tej tsev kawm qib siab muab rau lawv. Thiab lawv yuav tau qhia lawv tej Tax File Number (TFN) rau hauv daim form no los yog yuav tsum qhia kom meej tias lawv tseem thov tus TFN, thiab qhia ib tug zauv qhia tias tus tub kawm ntawd yog leej twg (Unique Student Identifier).”
Yog koj xav paub xov xwm kom txaws tshaj no ntxiv txog tsoom fwv cov nyiaj pab kawm qib siab, ces mus txheeb tau ntawm .
Mloog tau hnub zwj Teeb (Thursday) 6 pm, hnub zwj Hnub (Sunday) 11 am, los yog koom tau ntxiv ntawm , , thiab . Downloadthiab caum
