Give your child a head start, not a HECS debt.
The current ‘user-pays’ HECS system can make getting ahead very difficult for young people.
If parents are unable to pay on their behalf, students have a significant HECS bill to manage upon completion of their studies, a debt that can take years to repay.
Our mission is to help you create a fund that will eliminate this debt and give your child a head start in life. Start today and create a secure financial future for your child.
- Education fund
- Up to $50,000*
- Plan length
- 10 years
- How it’s held
- Units in a trust, or tenants in common
- Protection
- Free accident and disability insurance*
- What it pays for
- University or TAFE
*Conditions apply.
How the 10 year plan runs
Top accounting and legal advice, once the exclusive domain of the rich, shared across a group of families in similar situations so the cost stays low.
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Today
Assessment and structure
We analyse your income and set the right strategy for your circumstances. You participate as a unit holder in a trust, or directly on the title as tenants in common. The deed quarantines the investment for your children’s education.
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Years 1 to 10
The property does the work
Rental income offsets the loan and the interest is tax deductible. Our Tax Saviours handle your return. If you have extra money, pay lump sums off the line of credit at any time.
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When study begins
The fund pays for their education
The trust is wound up and the properties sold. You receive your share in proportion to your units, plus the capital gain, to pay for university or TAFE instead of a HECS debt.
More ways we help
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PostgraduatesAlready have a HECS debt? In most cases we can reduce the time to repay it by half.
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Career counsellingA comprehensive assessment of a student’s strengths, so they choose the right course first time.
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Overseas studentsHelping international students settle into Adelaide, starting with students from China.
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Become an AssociatePlanners, brokers, accountants, educators and agents of good character: join our growing team.