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Postgraduate eguide : 2010
FULL-FEE-PAYING PLAcES For domestic students, some postgraduate coursework programs are full-fee-paying which means students pay a ‘tuition fee’. Tuition fees are paid one session at a time, and the amount payable is determined by multiplying the number of credit points in which you enrolled by the cost per credit point. Eligible students can access FEE-HELP to defer part or all of their tuition fees. This is similar to HECS-HELP for students in undergraduate courses, where the deferred contributions are paid out through the tax system in subsequent years. The University’s tuition fee policy can be found at: www.uow.edu.au/student/finances OThER cOSTS Additional costs to consider include textbooks, transport, parking, childcare, accommodation and living costs. For information on joining the University Recreation and Aquatic Centre (URAC) visit: www.uow.edu.au/urac FINANcIAL ASSISTANcE AND LOANS FEE-hELP (FOR FULL-FEE-PAYING PLAcES) FEE-HELP provides a loan to eligible full-fee-paying students to cover part or all of their tuition. You are eligible for FEE-HELP if: you are enrolled as a full-fee-paying student; and you are an Australian citizen or holder of a permanent humanitarian visa. New Zealand citizens and other permanent visa holders are not eligible for FEE-HELP and must pay tuition fees up-front. Students may borrow an amount up to the value of the tuition fees charged for their course. However, over their lifetime, students will only be able to borrow a maximum of $83,313 (indexed). FEE-HELP can only be used to cover tuition fees for your course and cannot be used to cover other fees such as textbooks or accommodation. All Research programs are exempt from tuition fees. It is UOW and Australian Government policy to award Domestic Doctoral and Masters by Research students an ‘exempt’ place. For further information visit www.uow.edu.au/student/finances UOW Postgraduate Coursework courses are a mix of Commonwealth supported and full-fee-paying Places. cOMMONWEALTh SUPPORTED PLAcES UOW is now offering Commonwealth supported places for a number of its postgraduate programs that are were previously full-fee-paying. This change has reduced the tuition fees paid by domestic full-fee-paying students for all postgraduate programs offered by the Faculties of Creative Arts, Education, Engineering, Health and Behavioural Sciences, Informatics and Science. You will be notified at time of offer if you have been allocated a Commonwealth supported place; there is no need to complete a separate application form. For the Faculties not mentioned above, Commonwealth supported places are available however students must apply, and these applications are assessed on a range of equity-based criteria. Download an application form from www.uow.edu.au/future/apply For Commonwealth supported places, the Australian Government contributes, on average, about three quarters of the total funding for the educational costs. Students in a Commonwealth supported place are required to contribute the remaining cost of their course. Eligible Commonwealth supported students can access HECS-HELP to defer part or all of their tuition fees. Commonwealth supported students also consume Student Learning Entitlement (SLE) when they enrol. Students are granted seven full-time years (or part-time equivalent) of SLE. Once a student has used up all their SLE, they cease to be Commonwealth supported. Your Offer of Admission will state if you have been offered a Commonwealth supported place, however you will be advised at enrolment if you have used your SLE. Information regarding additional and lifelong SLEs can be accessed from www.goingtouni.gov.au Your Offer of Admission will quote the amount per credit point for your course. To estimate the total tuition fees, you will need to multiply the cost per credit point by the total amount of credit points required to complete the program. Students who accept an offer for a fee-paying course will be able to elect whether they wish to apply for FEE-HELP during enrolment (subject to eligibility). hEcS-hELP (FOR cOMMONWEALTh SUPPORTED STUDENTS) HECS-HELP is a loan that assists Commonwealth supported students to pay their student contribution amount. You are eligible for HECS-HELP if: you enrol in a Commonwealth supported place; and you are an Australian citizen or holder of a permanent humanitarian visa. Students who pay at least $500 of their student contribution up-front will receive a 20% discount on the amount paid. Voluntary repayments made through the Australian Taxation Office (ATO) receive a 10% discount. New Zealand citizens and other permanent visa holders are not eligible for HECS-HELP and must pay their student contribution amount up-front. They are not entitled to any discounts. REPAYING hELP LOANS Eligible students will be able to apply for HECS-HELP or FEE-HELP during the enrolment process. Your HELP debt is repaid via the Australian Tax Office once your income reaches the minimum threshold for compulsory repayment ($41,595 for the 2008/2009 financial year). For further information about HECS-HELP and FEE-HELP please visit UniAdvice to obtain your copy of the HECS-HELP or FEE-HELP information booklet. Information is also available by calling 1800 020 108 or visiting the Department of Education, Employment and Workplace Relations website www.goingtouni.gov.au RESEARch SchOLARShIPS UOW offers a number of scholarships for research students. These are: Australian Postgraduate Award (APA) University Postgraduate Award (UPA) Australian Postgraduate Award Industry (APAI) Matching Scholarships APA AND UPA APA and UPA both provide a stipend (living allowance) and a thesis binding allowance. Scholarship holders must be studying full- time. Scholarships may be held for up to three years for Doctoral studies and two years for Masters by Research studies, subject to satisfactory progress. Applicants should hold, or expect to obtain, Honours Class I or equivalent results. The 2008 stipend rate for the APA and UPA was $20,007 (non-taxable). Stipends are indexed annually.