VET Student Loan 학자금 대출

VET(Vocational Education and Training) 학자금 대출 

호주 정부 대출로 자격요건이 되는 학생이 디플로마 이상 레벨의 승인된 수업을 대출 받아 공부할 수 있는 학자금 대출 프로그램입니다. 

호주의 학자금 대출이 매력적?인 부분은 일정 이상의 수입이 있을 때, 소득 대비 상환을 한다는 겁니다. 이 이야기는 대출받아 대학을 다녀도, 그 이후 직업을 못구해 수입이 없다면 상환을 요구하지 않는다는 말이죠. 재정 상태와 상관없이 교육의 기회가 공평하게 주어지는 거 같아 좋네요.

그럼 자격 요건은?

호주 시민 이거나 

자격이 되는 뉴질랜드 시민이거나

 (A qualifying New Zealand citizen is a New Zealand citizen who meets all of the following: 

 holds a special visa category, such as the New Zealand Special Category Visa (SCV); 

 has been usually resident in Australia for at least 10 years; 

 was a dependent child when he or she was first usually resident in Australia; 

 has been in Australia for periods totalling 8 years during the previous 10 years; and 

 has been in Australia for periods totalling 18 months during the previous 2 years. )

호주에 거주하고 있는 영구 인도주의적 비자 소지자

그리고 또한 승인된 과정을 수강하기에 학업적으로 적합하다는 것을 보여줘야 합니다.

You have been assessed by your approved course provider as academically suited to undertake the approved course on the basis of either: 

 providing your Australian Year 12 Certificate; OR 

 providing a copy of a certificate showing that you have been awarded a qualification at level 4 or above in the Australian Qualifications Framework (where the language of instruction was English)2 ; OR 

 displaying competence at Exit Level 3 in the Australian Core Skills Framework in both reading and numeracy through an approved Language, Literacy and Numeracy test. In addition, your approved course provider must reasonably believe you show competence in completing the course. 

FEE-HELP limit

The maximum amount of VET Student Loans, VET FEE-HELP and FEE-HELP, you can use over your lifetime. The FEE-HELP limit is indexed annually on 1 January. For 2019, the FEE-HELP limit is $104,440 for most students.

그러면 언제 상환해야 할까요?

if you use a VET Student Loan, you will not have to make any repayments in the 2018-19 income year unless your income is $51,957 or above. For the 2019-20 income year, beginning 1 July 2019, you will not need to make repayments unless your income is $45,881 or above.

대출금을 상환해야 하는 최저 수입이 낮...아 졌네요! 아무렴요! 벌면 갚아야죠 ㅋㅋㅋㅋㅋ

아... 많은 분들이 대출금에 이자가 붙는지 궁금해 하시는데요!

2.7 Will I be charged interest? 

There is no interest charged on HELP debts. Your HELP debt is, however, indexed each year. It increases annually on 1 June to maintain its real value, adjusting in line with changes in the cost of living (as measured by the Consumer Price Index figure released each March). Debts are not indexed until they are 11 months old. You can find current and past indexation rates on the ATO website at www.ato.gov.au. 

이자는 없지만...

매년 6월에 생활 물가 상승에 따른 대출금액의 조정이 있네요.

(참고로 작년 2018년 6월의 Indexation applied on HELP debt 은 대출금의 1.90 % 이었습니다.)

대출할 때 내는 대출 수수료는요?

2.8 Is there a loan fee?

Yes, for most students. A 20 per cent loan fee applies to VET Student Loans for full fee paying / fee for service students. The loan fee does not count towards your FEE-HELP limit.

You do not have to pay the loan fee upfront – it is added to your HELP debt at the ATO.

For example, if you are undertaking a course that costs $1,000, the loan fee is $200 (i.e. 20% of $1,000). So your VET Student Loans debt for that course will be the cost of the course ($1,000) + the loan fee ($200) = $1,200.

You do not incur the loan fee if you are a student who is subsidised by a state or territory government and you are studying a diploma or advanced diploma course. If you are not sure if you are a subsidised VET student, contact your provider directly.

헉... 대출수수료가 대출금의 20%이라니...

대출 수수료는 대출한도에 포함되지 않는다네요.

다행 정부지원되는 디플로마나 어드밴스드 디플로마 과정은 대출수수료가 없다네요! 유휴~!

보통 TAFE 에서 진행되는 디플로마 과정들은 대출 수수료 걱정 없을 듯 합니다.

그래도 확실히 하기 위해선 해당 과정에 대해 한번 문의해 보심이 좋겠네요!

source : https://docs.education.gov.au/system/files/doc/other/v3.0_final-vsl_information_booklet_2019.pdf