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Tertiary student places in Australia are usually funded through the HECS-HELP scheme. This funding is in the form of loans that are not normal debts. They are repaid over time via a supplementary tax, using a sliding scale based on taxable income. As a consequence, loan repayments are only made when the former student has income to support the repayments. Discounts are available for early repayment. The scheme is available to citizens and permanent humanitarian visa holders. Means-tested scholarships for living expenses are also available. Special assistance is available to indigenous students.[1]
There has been criticism that the HECS-HELP scheme creates an incentive for people to leave the country after graduation, because those who do not file an Australian tax return do not make any repayments.
Tempat siswa tersier di Australia biasanya didanai melalui skema HECS-HELP. Pendanaan ini dalam bentuk pinjaman yang bukan merupakan hutang normal. Mereka dibayar kembali dari waktu ke waktu melalui pajak tambahan, menggunakan skala geser berdasarkan penghasilan kena pajak. Akibatnya, pembayaran kembali pinjaman hanya dilakukan ketika mantan siswa memiliki penghasilan untuk mendukung pembayaran. Diskon tersedia untuk pembayaran awal. Skema ini tersedia untuk warga negara dan pemegang visa kemanusiaan permanen. Beasiswa yang teruji cara untuk biaya hidup juga tersedia. Bantuan khusus tersedia untuk siswa asli. [1]
Ada kritik bahwa skema HECS-HELP menciptakan insentif bagi orang untuk meninggalkan negara setelah lulus, karena mereka yang tidak mengajukan pengembalian pajak Australia tidak melakukan pembayaran apa pun.
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