Owen Rascovitch

I know a little bit.

Well, I thought that was quite relevant, especially for my audience, our audience.

And I'm currently in the last year of my undergraduate degree.

So I'm doing that online, but still costs the same, sadly.

Yeah.

You miss out on so much but still it costs the same.

But the great thing, I guess, with our Australian system compared to some other systems like the US, which is scary and I'm glad I'm not there, is the government has a system where you don't have to pay up front for the loan and you don't have to go to loan shark to get a loan.

It's a government loan system.

What's it, the Higher Education Contribution Scheme?

HECS.

Yes.

That's how I know it.

Yeah, and I think that's for public universities and for private universities you can get a help loan, which is a similar thing.

No, it's fee help.

There we go.

And so most unis for undergrad, you can get a Commonwealth supported place.

So that's a little bit, it's different to HEX as in it's a subsidized place.

So it's a cheaper place and then you get HEX.

But there are unis that offer full fee places.

So you're paying a full fee, but you can still get HECS.