Waching daily Jul 5 2018

For more infomation >> new whatsapp status video | whatsapp status video telugu | Best Whatsapp status Video - Duration: 1:08.

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America's Cup Road Stopping Bill - First Reading - Video 3 - Duration: 3:35.

For more infomation >> America's Cup Road Stopping Bill - First Reading - Video 3 - Duration: 3:35.

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HELP information video current legislation long - Duration: 3:26.

A HELP loan is a student loan, and is very different

to a loan from the bank.

Unlike a bank loan, you are only required to pay back

your HELP loan once your income reaches a certain

amount or threshold, known as the compulsory

repayment threshold.

Once your income reaches that level, you need to start

paying off your HELP loan even if you're still studying.

It's important to know that you will still have a

HELP debt even if you don't complete your study.

So for example, if you complete the first year of

a three year course but defer or stop your study

after the census date, you will still need to pay back

the cost of that first year.

If you are withdrawing, it is your responsibility to

complete your provider's formal withdrawal procedures.

When you are repaying a HELP loan, the rate you

have to pay will depend on how much you earn and

varies from two percent to eight percent of your income.

The Australian Tax Office, or ATO, will calculate your

repayments based on your income.

When you start working you will need to declare that

you have a HELP debt, and repayments are deducted

from your pay once you reach the repayment threshold.

However you can make voluntary repayments to

your HELP debt at any time.

Before you access a HELP loan, make sure you

understand your obligations around repaying the loan

and stay informed about any changes to the HELP scheme

and how they could affect your repayments.

When I decided to study, I wanted to pick the right

education provider for me.

I started looking into different providers early

so I had enough time to make the right decision,

and I knew I wouldn't be pushed into picking

something that wasn't right for me.

I had to think about things like how far I would have

to travel each day, whether studying online would work

for me, how much my course would cost me, and whether

I had used a HELP loan before.

When I asked how to pay for my study, I found out that

I could either pay upfront or use a HELP loan,

which meant that I could pay it back when I was earning enough.

I chose to take out a HELP loan to pay my tuition fees,

because I wasn't in a position to pay for my

studies upfront and neither were my parents.

When I finish studying this year, I will have

a $20,000 HELP debt.

Here is what my HELP loan repayments might look like.

If I work full time and earn a salary of $55,000 a year,

two percent of my pay would go towards repaying

my HELP loan, and this is taken out of my pay along

with regular tax payments.

This means that I would be making repayments of $1,100

a year towards my HELP debt, which is about $42 a fortnight.

I know that when my salary increases, so will my

HELP debt repayments.

Each year my HELP debt will increase because of

indexation which reflects increases in the cost of living.

If I decide to take on more debt, like buy a car,

I will need to include my HELP loan repayments in my budget.

If I decide to move overseas to work,

I will still have to make repayments to my HELP debt.

It is important to make informed financial decisions,

so I will do my research, starting with the

MoneySmart website, before making any

financial commitments.

A HELP loan is a great way to pay for your study,

but it is a loan, so make sure you know what's involved.

To find out more about HELP loans, search online for

Study Assist or visit studyassist.gov.au.

For more infomation >> HELP information video current legislation long - Duration: 3:26.

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HELP information video current legislation short - Duration: 2:24.

A HELP loan is a student loan,

and is very different to a loan from the bank.

Unlike a bank loan, you are only required to pay back

your HELP loan once your income reaches a certain

amount or threshold, known as the compulsory

repayment threshold.

Once your income reaches that level, you need to start

paying off your HELP loan even if you're still studying.

It's important to know that you will still have

a HELP debt even if you don't complete your study.

When you are repaying a HELP loan, the rate you

have to pay will depend on how much you earn and

varies from two percent to eight percent of your income.

The Australian Tax Office, or ATO, will calculate your

repayments based on your income.

Before you access a HELP loan, make sure you

understand your obligations around repaying the loan

and stay informed about any changes to the HELP scheme

and how they could affect your repayments.

I chose to take out a HELP loan to pay my tuition fees,

because I wasn't in a position to pay for my

studies upfront and neither were my parents.

When I finish studying this year, I will have

a $20,000 HELP debt.

Here is what my HELP loan repayments might look like.

If I work full time and earn a salary of $55,000 a year,

two percent of my pay will go towards repaying my

HELP loan, and this is taken out of my pay along

with regular tax payments.

This means I would be making repayments of $1,100

a year towards my HELP debt, which is about $42 a fortnight.

I know that when my salary increases,

so will my HELP debt repayments.

Each year my HELP debt will increase because of

indexation which reflects increases in the cost of living.

If I decide to take on more debt, like buy a car,

I will need to include my HELP loan repayments in my budget.

If I decide to move overseas to work,

I will still have to make repayments to my HELP debt.

It is important to make informed financial decisions,

so I will do my research, starting with the

MoneySmart website, before making

any financial commitments.

A HELP loan is a great way to pay for your study,

but it is a loan, so make sure you know what's involved.

To find out more about HELP loans, search online for

Study Assist or visit studyassist.gov.au.