There are various fees incurred with tertiary study and there are various government assistance schemes to make studying more affordable. So, to make your time at university the best it can be, make sure you're aware of all the costs involved and any assistance you might be eligible for before you begin.
The type of place you are offered will determine, in part, the kind of assistance that you are eligible for.
Commonwealth supported places are available for all undergraduate courses and some postgraduate coursework courses. Fee-paying places are available in all postgraduate coursework courses and the graduate-entry Bachelor of Medicine and Bachelor of Surgery programs.
More details are available below:
- Funding your study as a Commonwealth supported student
- Funding your study as a fee-paying student
- Other costs.
The cost of studying at university is shared between the Commonwealth Government and you.
It is important to know that eligible students do not have to pay upfront for their university fees and that you don't start repaying your contribution until you are earning over a specified amount per year ($47,196 in 2011-2012). For most students, this means that you will not start repaying until you leave university.
The cost of university study to you = Student Contribution + equipment and resources required.
Most eligible students choose to borrow the money from the Commonwealth Government, through the HECS-HELP Scheme and pay the loan back once they are working and earning over the declared income threshold for that year.
Alternatively, you can pay the Student Contribution upfront, in which case you are eligible for a 10% discount.
Who is eligible for a HECS-HELP loan?
Students who are Australian citizens or holders of permanent humanitarian visas are eligible for a HECS-HELP loan, and do not have to pay their fees upfront. Permanent residents and New Zealand citizens must pay their fees upfront and are not eligible for a discount.
How do I apply for a HECS-HELP loan?
The process is easy. When you enrol in topics you decide whether you want to defer your Student Contribution or pay upfront. If you decide to receive a HECS-HELP loan (defer your contribution) the Commonwealth Government pays the loan amount directly to Flinders on your behalf. You can change your mind from one semester to another too, if you want to pay upfront for some study and defer Student Contributions in other semesters, you just need to make any upfront payments by the published due dates.
How are Student Contribution Amounts calculated?
The table below shows the annual Student Contribution for a full time study load (36 units) by subject area. Each subject is typically worth 3, 4.5, 6 or 9 units. A 3-year degree at Flinders is 108 units.
2012 maximum student
Mathematics, Statistics, Science
Education, Nursing, Humanities, Behavioural Science, Social Sciences, Foreign Languages, Visual and Performing Arts
Computing, Built Environment, Health, Engineering, Surveying, Agriculture
Accounting, Administration, Commerce, Economics, Law, Medicine, Veterinary Science
Most students will study subjects from two or more of the bands above. For example, if you are undertaking a double degree in Education and Science, your education subjects are charged at Band 1 in 2012, whilst science topics are charged at the National Priority rate. This means that you would incur a Student Contribution amount of $706 for a first-year education subject (4.5 units) and $565 for a first year biology subject (4.5 units).
Full details of the HECS-HELP scheme, your eligibility and repayment options are available at the Going to Uni website.
In addition to Commonwealth supported places available for postgraduate study, all postgraduate coursework courses are also offered on a full-fee paying basis. See the postgraduate course listing for further information.
A small number of fee-paying places are also available in the graduate-entry Bachelor of Medicine and Bachelor of Surgery programs.
The university recognises that for some students there may be a tax or employment benefit in studying as a fee-paying student.
Students who are Australian citizens or holders of permanent humanitarian visas are eligible for a FEE-HELP loan, and do not have to pay their tuition fees upfront. Permanent residents and New Zealand citizens must pay their tuition fees upfront.
A FEE-HELP loan is similar to a HECS-HELP loan. If you are eligible, you may indicate at enrolment that you want to receive a FEE-HELP loan for tuition fees.
You will not start repaying your loan until you are earning over the declared income threshold for that year. However, over your lifetime you can borrow only up to the FEE-HELP limit. In 2012, the FEE-HELP limit is $89,706, and $112,134 for students studying dentistry, medicine or Veterinary Science. This amount is indexed each year.
Textbooks, equipment and fieldwork
Students are expected to be able to access copies of set textbooks and readings (which are a combination of articles and chapters for a specific topic). Multiple copies of set texts and readers are provided by the library but you may also purchase textbooks and readers. The cost of a textbook can vary from $10 to $250.
Second-hand textbooks can be purchased and Unibooks offers textbook discounts.
Stationery and folders will be required and in some topics, special equipment (such as lab coats) must be purchased.
Some topics will require fieldwork and excursions or out-of-city placements. This can include expenses such as transport, accommodation and food. There is some university assistance for such activities but allowances should be made for these costs. Students should find out about these costs when researching the courses.
Getting to uni
Many students choose to drive to uni. Parking permits may be purchased for one semester or a full year. Permits are $130 for a full year in 2011.
For those who are able to participate, carpooling offers a cost-effective and sociable alternative to solo travel. For further information see:
For any queries regarding study-related costs, or HECS-HELP queries, please phone the Admissions/Prospective Students Office on (08) 8201 3074 or 1300 657 671 (local call cost) or email firstname.lastname@example.org.