i dunno what you are thinking. You previous threads says you have enough $$ to pay for the 8K/yr type of school fees. So i assume u have about 40k in auzzie dollars??
1. UQ is really easy to get into as an international. Don't get too excited about it.
2. Anyway if u have only 40K, there is no way for u to take any loans ( or to repay it after wards). Each year at UQ cost 45K with a 5% annual increment. Sch fees alone is about 210K over 4 years.
3. Living expenses? About 120/pw for rent. Each year requires about 40 weeks = 5K rent = 20K over 4 years
4. food? Give it 10K over 4 years..
6. We haven not thrown in the axillaries like student health cover, textbooks, transport, the watever crap fees etc. And yeah , the internet u take for granted back home cost a bomb there too ...
5. There u have it...250KAUSD. In sing dollars terms that's 310K. Assuming u have 50K singapore. where in the world are u going to loan 260K?
6. Assuming tat papa mana somehow can lend/give u 100K. You still have to loan 160K from the bank.Assuming u can load that amt somehow...the interest currently stands at 5% for education loans...typical payment period is about 5 years. total amount u have to pay is 3.3K PER MONTH. As a intern with one of the teaching hospital, ur monthly salary is 2.5K , with shift allowance , maybe it hits 3.2K..how are you going to pay back?? You have to work at least 3 years to get a M.Med in family med before u can practice as a private GP ( fastest route to a higher salary) . So for 4 years, u have to pay off a loan that you cannot afford off until it becomes easier ( not by a lot, u probably dun have capital to set up ur own practice, so u prob join a GP gp which pays about 8K per mth..)
What if there is no papa mama to lend a hand?? The other opportunity cost is that for the next 8 years of ur life, you are foregoing ur current salary as u struggle to pay off ur loans. How many 8 years do u have???
7. Work in australia? Well, internationals can do only 20 hours per week. If u earn more than 6K, u got to pay tax. Besides, u probably dun have time to do much work. Into your clinical years, u will mug all day long.
8. Think carefully first before jumping in. I know it's exciting to get an offer but, bear in mind, it's not that hard for for internationals to get an offer, and the feasibility of actually being able to finish school. Education is not one of auzzie biggest earners for nothing.
I suggest u work for 1-2 more years, earn some $$ on the side line by tuition ,teach at ploys or watever... scrap together another 50-80K...rework your sums such that you pay about 1-1.5K max as a loan repayment....and consider flinders as well, it's cheaper by about 20K over 4 years..
9. Oh yes, as a reminder, u applied as a international. If during ur study you somehow get ur PR, u will lose ur place. The school doesn't not received any reimbursement from the gov for internationals so out you will go...The gov will not dish out additional $$ for you. Not every country let every student study cheap like in singapore...