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Emergency Loans : Emergency loans will be granted to students who
can provide, to the satisfaction of the FCCS Officer, evidence of emergency
circumstances that necessitate the provision of funds within 24 hours.
Subject to the approval of the FCCS Officer: (i) cash loans, to a maximum of
$50, will be available immediately from the Cashier's Office; (ii) cheques
for emergency loans will be available within not more than 24 hours from the
approval of the loan.
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Domestic Expenses
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(a) Bond money and rent in advance - A loan may be granted when there is evidence that
expenditure of this kind is unplanned and not able to be met from a student's
normal resources. Where accommodation is to be shared, the student should
detail his/her share of the establishment costs in the loan application. Loans will not normally be granted to
retain rental accommodation during vacation periods.
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(b) Removal costs
- A loan may be provided to assist with the costs of removal within the
Adelaide metropolitan area.
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(c) Connection charges and operating costs - Deposits and connection fees for gas, electricity,
water and telephone may qualify a student for a loan if evidence is provided
that the amount involved is beyond the student's capacity to pay.
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(d) Utilities (eg Telephone,
Gas, Electricity) - These costs are
usually regarded as being part of a student's normal budget. However, a
student may qualify for a loan, if he/she can provide evidence of hardship
and incapacity to pay such charges.
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(e) Insurance Loans - may be granted to cover the costs of household
contents insurance.
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(f) Household and appliance
repairs - A loan may be provided in
cases of emergency leading to a decline in living conditions (eg failure of a
hot water service or refrigerator).
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(g) Structural alterations - Such costs are generally seen as being outside
the scope of the fund. A student would qualify for a loan only in exceptional
circumstances, where there is evidence that a small expenditure would lead to
a reduction in a student's weekly costs or would rectify a poor study
environment.
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Transport Expenses
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(a) Car repairs -
A loan may be granted if there is evidence that a student requires his/her
vehicle to attend classes, travel to work or transport dependants, or because
he/she has a disability.
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(b) Registration and
insurance - Registration costs are
generally seen as being outside the scope of the fund, on the grounds that
they would be included within a student' s normal budget. A student would
qualify for a loan only in exceptional circumstances where there is evidence
that deregistration is imminent and the student requires his/her vehicle to
attend classes, travel to work or transport dependants, or because he/she has
a disability. Loans may be granted to cover the costs of third party property
insurance and the excess component of an insurance claim.
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(c) Vehicle purchase - Loans will not normally be granted to fund the
purchase of a car, because the purchase price will generally exceed the loan
limit of $400. However, where there is evidence that a student requires
his/her vehicle to attend classes, travel to work or transport dependants, or
because he/she has a disability, consideration will be given to a loan
application to fund a part of the cost of a vehicle.
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(d) Purchase of bicycles,
motor cycles and safety equipment -
Loan applications to fund the purchase of bicycles, motor cycles and
associated safety equipment will be considered where there is evidence that a
student requires this transport to attend classes or travel to work.
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(e) Fines - In cases where payment of a fine is no longer
negotiable, a loan may be provided to avoid the issue of a warrant and
imprisonment.
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Books and Equipment : A loan may be granted to cover the costs of
textbooks and other equipment directly related to the study needs of the
student. Loans will not normally be granted to fund the purchase of a
computer, because the purchase price will generally exceed the loan limit of
$400. However, a loan may be granted for the purchase of a second hand
computer, or where there is evidence that the loan will be a partial
contribution towards the total purchase price, with the balance to be
provided by the student from other sources.
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Clothing : A loan may be provided in cases where a student
requires a special item of clothing to qualify for employment or to undertake
a field placement. Basic clothing requirements for students will also be
considered. (See also clause 7(a) below).
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Travel
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(a) Employment related
travel - A loan may be approved to
cover the costs of travel incurred in gaining vacation employment outside the
Adelaide metropolitan area;
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(b) Travel costs resulting
from family emergency - A loan may
be granted in cases where travel costs are incurred at short notice due to
death, illness, or another emergency within a student's family;
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(c) Field trips/placements - A student may be granted a loan to cover costs
incurred in attending a field trip/placement or other educational excursion,
which is a requirement of the course or topic in which the student is
enrolled. Academic staff will be asked to substantiate such expenditure;
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(d) Travel associated with
intramural sport etc - A loan may
be granted to assist with travel costs when a student is representing the
University and can provide evidence that he/she will face hardship due to the
additional expenses. Evidence will be sought to substantiate the student's
involvement in the sporting activity.
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Dependants
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(a) General expenses - A loan may be provided to cover costs relating to
a student's dependants.
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(b) Child minding expenses - A loan may be granted to assist a student who is
experiencing difficulty in meeting child minding costs. However, such support
will not be provided on an ongoing basis.
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Medical, Dental or
Optical Expense: Loans may be
granted to cover the costs of urgent and unplanned medical, dental or optical
treatment.
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Visa Fees : Loans will not be approved to cover the costs of
visas for full fee-paying international students.
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Other Purposes : Students may apply for loans for purposes other
than those detailed above. However, these applications must be supported by
evidence that financial difficulties are having, or are likely to have, an
adverse effect on a student's academic performance.
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