Thanks Pat The Bogan for that reply. Damn it, you got "caught out" (your phrase) by the CSA. Hmm, a lot of non custodial mothers and fathers get "caught out" for not paying child support. They all seem to think a "private" arrangement is just peachy instead, but guess what? That "private" arrangement is almost ALWAYS a sneaky way to pay LESS. Come on bud, be a real man, and own up to your legal responsibilities to support your offspring according to the LAW.

You KNOW you don't have to repay that HECS debt of $23,000 at once. If you earn below a certain level you don't even have to pay one cent of it for your entire life. So stop the moan and groan about HECS and your legal debts to your own offspring. Be a man, get a job, pay your debts and support your kids without the "woe is me" moan and groan. The world doesn't owe you a living.

You're in your current situation because of **CHOICES** made by **YOU**: YOU acquired the HECS debt, YOU fathered children, YOU got "caught out" by the CSA avoiding your legal responsibilities. Only **YOU** can rectify things. Stop blaming others.

You have a tremendously valuable degree. It's up to you to make good or bad **CHOICES** regarding that degree. It's up to you, NOT others. You're responsible for your own life.

we are unique: Hiya.

Yes!

There are also scholarships open to all students. Most universities have a list of dozens; even hundreds, for which students can apply. Some other organizations also fund scholarships; traineeships or help with Hecs/Help debt - for people doing some degrees (like in health) and the like. Some included are listed by Sarrah (not sure of the spelling); government departments (check the department - health is one) and the military forces (even part-time service).

Also, if one is earning, a lot of study costs are tax deductible.

There are opportunities to get ahead but one has to surf, snoop and ask around.