What and where to study or train

In terms of choosing what and where to study or train, consider:

• Where you want to be in five years time (this could be in employment, or you may use the course as a gateway to further study.)
• The course content (be honest about your strengths and weaknesses.)
• Teaching style (such as the balance between exam-based and project-based assessment.)
• Transition to work (is there a well developed process for building a bridge between the course and your future employment?)
• The costs (see paying for your studies.)
• Flexibility (will you be able to use credits from the course if you choose to switch?).
• The size of the campus (would you be suited to a smaller community?)
• The prestige of the institution (will it have an impact on your career prospects?)
• Would you prefer to live on or near the campus? (see renting.)
• Additional facilities (make sure your interests are catered for.)
• Mentoring (is there a mentoring program available where you can seek guidance from former students or industry leaders?)
• How far will you have to travel?

For help to make your decision, you can access information at the following:

• The Federal Government's education portal  
• Going to uni  
• TAFE/Polytechnic - NSW, Western Australia, South Australia, ACT, Tasmania, Queensland, Victoria.

Studying overseas - if you’re considering heading abroad check out studying overseas.

International students - If you are reading this from overseas and considering study in Australia you can find out more at Study in Australia. You may also find help at our Moving to Australia site.

As a student or someone undergoing training there are a number of things to consider and opportunities to take advantage of.

Have a budget – this is an important step for anyone but especially when money may be tight. You’ll find help in Budgeting.

Earn some money – having a part time job while studying or training can make a lot of difference to your finances. For more information check Working part-time.  However, if you’re receiving assistance, talk to Centrelink to see how working will impact your benefits.

For more information about managing your financial affairs while studying, you may like to contact Centrelink’s free Financial Information Service.

If you are a fulltime student we know money can sometimes be tight. In other cases you may have help funding your education. We’re here to help.

An A-Z Review^® - sitting down with one of our professional personal bankers could help ensure your banking is structured to meet your needs and help you reach your goals sooner. Request an A-Z Review^® at your nearest ANZ branch.

Everyday banking benefits – if you are a fulltime student on application you could be entitled to an ANZ Access Advantage account with no monthly account service fee¹ and unlimited access to ANZ ATMs, Phone and Internet Banking, plus branch, cheque and EFTPOS². Find out more about ANZ Access Advantage.

ANZ GoMoney^tm – use your iPhone² to manage your accounts. Find out more about ANZ GoMoney.

Graduate loans – if you are a graduate, then depending on your circumstances you may qualify for a loan to help with things like a trip overseas or just getting ready for your new job. Plus there is no need to make a repayment in the first 12 months.  Find out more about ANZ Graduate Loans.

Savings solutions – you may need to save help pay for your study or training. We have savings accounts to suit the way you bank:

• ANZ Progress Saver – pays bonus interest³ if you when you make one deposit of $10 or more in a month and no withdrawals or debits in that month.  It also provides branch access.
• ANZ Online Saver – if you would rather bank online then this could be the savings account for you. It pays interest and gives you 24/7 online access to your money⁴ via your linked ANZ account. You can even name your account after your goal – perhaps you’d like to call it your Holiday account!
• ANZ Smartypig – is a unique savings program designed to make saving social, goal-oriented and fun.⁵
• ANZ Term Deposits – you may want to place some money in a term deposit to generate income while you are studying.  The minimum balance is $5,000⁶ and we have terms from one month to five years. Find out more about ANZ Term Deposits.

ANZ goMony is a registered trademaek of ANZ

Terms and conditions are available on application. Fees and charges apply.

®A-Z Review is a registered trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.

1. Full-time students need to show proof of enrolment with an Australian Educational Institution at an ANZ branch in order to receive a monthly account service fee waiver. Students need to renew their monthly account service fee waiver annually with proof of enrolment at an ANZ branch in order for the waiver to continue.

2. iPhone is a trademark of Apple Inc.

3. Fees and charges may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 444kB) for fees and charges that apply.

4. ANZ Online Saver is only open to customers who are the account holders of, or signatories to, eligible ANZ deposit accounts with ANZ Internet and/or Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Access Deeming, ANZ Progress Saver, ANZ V2 PLUS, ANZ Premium Cash Management Account and ANZ Everyday Visa Debit. Terms and conditions and fees and charges apply to the eligible account.

5. The SmartyPig account is a deposit product offered by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. ANZ is trading as “SmartyPig”. “SmartyPig is a Trademark of SmartyPig LLC, which is licensed to ANZ.

6. A minimum investment of $5,000 is required. At the end of the term, if you have not told us what you want to do with your funds, we will reinvest them in the same type of ANZ Term Deposit. In this case, the interest rate applicable to your new ANZ Term Deposit may be lower or higher than the interest rate on your maturing ANZ Term Deposit. You can contact us at maturity of your ANZ Term Deposit to confirm interest rates that will apply upon reinvestment.