{"id":93,"date":"2024-08-14T10:18:32","date_gmt":"2024-08-14T10:18:32","guid":{"rendered":"https:\/\/oversealoan.com\/en\/?p=93"},"modified":"2024-08-14T10:18:38","modified_gmt":"2024-08-14T10:18:38","slug":"australian-study-loan","status":"publish","type":"post","link":"https:\/\/oversealoan.com\/en\/?p=93","title":{"rendered":"What do I need for an Australian study loan?"},"content":{"rendered":"\n<p><strong>To apply for\u00a0an <\/strong><a href=\"https:\/\/oversealoan.com\/%e6%be%b3%e6%b4%b2%e7%95%99%e5%ad%a6%e7%94%9f%e8%b4%b7%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Australian study loan<\/strong><\/a><strong>\u00a0, first the applicant needs to be an Australian citizen or permanent resident, or have a local guarantor. The guarantor must have a stable annual income (at least AUD 50,000) and good credit (credit score of at least 650 points). Provide an admission letter and transcripts to prove academic qualifications, as well as bank statements and credit records to prove financial status.<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/oversealoan.com\/en\/?p=93\/#Loan_Applicant_Qualifications\" title=\"Loan Applicant Qualifications\">Loan Applicant Qualifications<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/oversealoan.com\/en\/?p=93\/#Australian_study_loan-Academic_Background\" title=\"Australian study loan-Academic Background\">Australian study loan-Academic Background<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/oversealoan.com\/en\/?p=93\/#Proof_of_financial_status\" title=\"Proof of financial status\">Proof of financial status<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/oversealoan.com\/en\/?p=93\/#Australian_study_loan-guarantor\" title=\"Australian study loan-guarantor\">Australian study loan-guarantor<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\" id=\"d539\"><span class=\"ez-toc-section\" id=\"Loan_Applicant_Qualifications\"><\/span>Loan Applicant Qualifications<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p id=\"bd0a\"><a href=\"https:\/\/oversealoan.com\/%e5%a6%82%e4%bd%95%e7%94%b3%e8%af%b7%e7%95%99%e5%ad%a6%e8%b4%b7%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\">What to do if you don&#8217;t have enough money to study abroad? Let&#8217;s take a look at how to apply for a student loan?<\/a>\u00a0Hey, you may not believe it, but to apply for\u00a0a student loan\u00a0in Australia , you must first be a citizen or permanent resident there. Does it sound a bit strict? But in fact, for international students, there is a roundabout way to save the country &#8211; find a local guarantor. This guarantor must have considerable financial strength, with an\u00a0<strong>annual income of at least 50,000 Australian dollars<\/strong>\u00a0and a credit score of no less than 600.<\/p>\n\n\n      \n\t\t\t<div class=\"uagb-icon-wrapper uagb-block-8502c8ad  \"\t>\n\t\t\t\t\t\t\t\t\t<span class=\"uagb-svg-wrapper\" \n\t\t\t\t\t aria-label=\"circle-chevron-down\"\t\t\t\t\ttabindex=\"0\">\t\t\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 512 512\" role=\"graphics-symbol\" aria-hidden=\"false\" aria-label=\"\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM390.6 246.6l-112 112C272.4 364.9 264.2 368 256 368s-16.38-3.125-22.62-9.375l-112-112c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L256 290.8l89.38-89.38c12.5-12.5 32.75-12.5 45.25 0S403.1 234.1 390.6 246.6z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n<p id=\"bfc4\">Let&#8217;s talk about&nbsp;<a href=\"https:\/\/oversealoan.com\/%e6%be%b3%e6%b4%b2%e7%95%99%e5%ad%a6%e7%94%9f%e8%b4%b7%e6%ac%be\/\" rel=\"noreferrer noopener\" target=\"_blank\">student loans in Australia<\/a>&nbsp;. You must be at least 18 years old. This is a legal requirement. After all, financial responsibility is not a joke. In addition, your academic background will be put under a magnifying glass. Did you know that according to a survey,&nbsp;<strong>more than 80% of applicants will submit their high school or university transcripts at this stage<\/strong>&nbsp;to prove their academic qualifications.<\/p>\n\n\n\n<p id=\"0593\">If everything about you meets the requirements and the guarantor is OK, then the most important thing is your credit history. Without a good credit record in Australia, you may not even be able to get a mobile phone contract, let alone apply for a tuition loan of tens of thousands of Australian dollars. At this time, the role of the guarantor is particularly important.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"275\" height=\"183\" src=\"https:\/\/oversealoan.com\/en\/wp-content\/uploads\/2024\/08\/\u4e0b\u8f7d-20.jpg\" alt=\" Australian study loan\" class=\"wp-image-96\" style=\"width:377px;height:auto\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\" id=\"e1e4\"><span class=\"ez-toc-section\" id=\"Australian_study_loan-Academic_Background\"><\/span>Australian study loan-Academic Background<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p id=\"129d\">This article tells you<a href=\"https:\/\/studenbank.com\/%e8%b4%b7%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\"> <\/a>what a loan is\u00a0. First of all, you need to have an acceptance letter from an Australian university. This sounds simple, but the acceptance letter actually represents your hard work and past efforts. Remember, this letter is not just a piece of paper, it is the beginning of your future educational journey.<\/p>\n\n\n\n<p id=\"ccdc\">Next, let&#8217;s talk about transcripts. Yes, your high school or college transcripts.&nbsp;<strong>Most lenders will ask to see your transcripts<\/strong>&nbsp;to evaluate your academic ability and previous academic performance. Don&#8217;t underestimate these transcripts, they may be the key to your loan. Why? Because lenders use them to determine whether you have the ability to complete your education. After all, they don&#8217;t want to lend money to students who may drop out.<\/p>\n\n\n\n<p id=\"b56a\">Furthermore, if you are applying for a loan for a specific major, such as medicine or law, the grade requirements may be higher. In these fields,&nbsp;<strong>many students are required to have an average GPA of 3.5 or above<\/strong>&nbsp;. This shows your academic commitment and ability, and also strengthens your loan application.<\/p>\n\n\n      \n\t\t\t<div class=\"uagb-icon-wrapper uagb-block-7ff0fe9d  \"\t>\n\t\t\t\t\t\t\t\t\t<span class=\"uagb-svg-wrapper\" \n\t\t\t\t\t aria-label=\"circle-dollar-to-slot\"\t\t\t\t\ttabindex=\"0\">\t\t\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 512 512\" role=\"graphics-symbol\" aria-hidden=\"false\" aria-label=\"\"><path d=\"M326.7 403.7C304.7 411.6 280.8 416 256 416C231.2 416 207.3 411.6 185.3 403.7C184.1 403.6 184.7 403.5 184.5 403.4C154.4 392.4 127.6 374.6 105.9 352C70.04 314.6 48 263.9 48 208C48 93.12 141.1 0 256 0C370.9 0 464 93.12 464 208C464 263.9 441.1 314.6 406.1 352C405.1 353 404.1 354.1 403.1 355.1C381.7 376.4 355.7 393.2 326.7 403.7L326.7 403.7zM235.9 111.1V118C230.3 119.2 224.1 120.9 220 123.1C205.1 129.9 192.1 142.5 188.9 160.8C187.1 171 188.1 180.9 192.3 189.8C196.5 198.6 203 204.8 209.6 209.3C221.2 217.2 236.5 221.8 248.2 225.3L250.4 225.9C264.4 230.2 273.8 233.3 279.7 237.6C282.2 239.4 283.1 240.8 283.4 241.7C283.8 242.5 284.4 244.3 283.7 248.3C283.1 251.8 281.2 254.8 275.7 257.1C269.6 259.7 259.7 261 246.9 259C240.9 258 230.2 254.4 220.7 251.2C218.5 250.4 216.3 249.7 214.3 249C203.8 245.5 192.5 251.2 189 261.7C185.5 272.2 191.2 283.5 201.7 286.1C202.9 287.4 204.4 287.9 206.1 288.5C213.1 291.2 226.4 295.4 235.9 297.6V304C235.9 315.1 244.9 324.1 255.1 324.1C267.1 324.1 276.1 315.1 276.1 304V298.5C281.4 297.5 286.6 295.1 291.4 293.9C307.2 287.2 319.8 274.2 323.1 255.2C324.9 244.8 324.1 234.8 320.1 225.7C316.2 216.7 309.9 210.1 303.2 205.3C291.1 196.4 274.9 191.6 262.8 187.9L261.1 187.7C247.8 183.4 238.2 180.4 232.1 176.2C229.5 174.4 228.7 173.2 228.5 172.7C228.3 172.3 227.7 171.1 228.3 167.7C228.7 165.7 230.2 162.4 236.5 159.6C242.1 156.7 252.9 155.1 265.1 156.1C269.5 157.7 283 160.3 286.9 161.3C297.5 164.2 308.5 157.8 311.3 147.1C314.2 136.5 307.8 125.5 297.1 122.7C292.7 121.5 282.7 119.5 276.1 118.3V112C276.1 100.9 267.1 91.9 256 91.9C244.9 91.9 235.9 100.9 235.9 112V111.1zM48 352H63.98C83.43 377.9 108 399.7 136.2 416H64V448H448V416H375.8C403.1 399.7 428.6 377.9 448 352H464C490.5 352 512 373.5 512 400V464C512 490.5 490.5 512 464 512H48C21.49 512 0 490.5 0 464V400C0 373.5 21.49 352 48 352H48z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading has-large-font-size\" id=\"5225\"><span class=\"ez-toc-section\" id=\"Proof_of_financial_status\"><\/span>Proof of financial status<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p id=\"6331\">The loan company will ask you to provide financial proof to see if you have the ability to repay the loan. Don&#8217;t underestimate this process, it basically determines whether you can get the money.<\/p>\n\n\n\n<p id=\"06fd\">Now you might be asking, what financial proof do you need? Good question! Generally, you will need to submit bank account statements, preferably covering at least the past six months. This way, lenders can see your income and expenses at a glance.&nbsp;<strong>Studies show that applicants with stable income are 30% more likely to get a loan<\/strong>&nbsp;.<\/p>\n\n\n\n<p id=\"1aa4\">In addition, if you have other sources of income, such as part-time work or family support, you must also provide corresponding proof. Sometimes, these additional proofs of income can greatly increase your chances of getting a loan.<\/p>\n\n\n\n<p id=\"95df\">Credit history is also crucial. In Australia, a good credit history can make your loan application process much smoother. In fact,&nbsp;<strong>most lenders will use credit scores to assess your loan eligibility<\/strong>&nbsp;, and generally scores above 600 will be more advantageous. If you have had a loan or credit card record in Australia or elsewhere, these will be carefully checked.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe loading=\"lazy\" title=\"NEW Student Loan Forgiveness coming this fall. Plus, a DEADLINE you need to know about\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/3sT5ZSHVXWY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\" id=\"2763\"><span class=\"ez-toc-section\" id=\"Australian_study_loan-guarantor\"><\/span>Australian study loan-guarantor<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p id=\"030d\">First of all, you need to understand what a guarantor does. In simple terms, if you cannot repay the loan in the end, the guarantor will have to pay for it. Therefore, lenders attach great importance to the financial strength and credit status of the guarantor. Usually, the guarantor must be an Australian citizen or permanent resident with a stable income of&nbsp;<strong>at least AUD 50,000 per year<\/strong>&nbsp;and a credit score of 650 or above.<\/p>\n\n\n\n<p id=\"aacd\">The guarantor has a lot of responsibilities. They need to provide a lot of personal information during the application process, including proof of income, proof of employment, financial status, etc. Here&#8217;s a little trick &#8211;&nbsp;<strong>lenders usually prefer if the guarantor is a relative, such as a parent or sibling<\/strong>&nbsp;. In this case, the lender believes that the guarantor is more likely to support the applicant financially.<\/p>\n\n\n\n<p id=\"2483\">Also, did you know that a guarantor also has to bear certain risks? If something goes wrong, you can look for a private loan.&nbsp;<a href=\"https:\/\/oversealoan.com\/%e7%a7%81%e4%ba%ba%e8%b4%b7%e6%ac%be\/\" rel=\"noreferrer noopener\" target=\"_blank\">What is a private loan?<\/a>&nbsp;Check out this article. This will directly affect the guarantor&#8217;s credit record. So, when being a guarantor, you must think carefully and make sure you can really bear this responsibility.<\/p>\n\n\n\n<p><a href=\"https:\/\/medium.com\/tag\/%E6%BE%B3%E6%B4%B2%E7%95%99%E5%AD%A6%E7%94%9F%E8%B4%B7%E6%AC%BE?source=post_page-----c231db5fe464---------------%E6%BE%B3%E6%B4%B2%E7%95%99%E5%AD%A6%E7%94%9F%E8%B4%B7%E6%AC%BE-----------------\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>To apply for\u00a0an Australian study loan\u00a0, first the applicant needs to be an Australian citizen or permanent resident, or have a local guarantor.<\/p>\n","protected":false},"author":1,"featured_media":97,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[9],"class_list":["post-93","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-international-student-loan","tag-australian-study-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What do I need for an Australian study loan? - oversealoan<\/title>\n<meta name=\"description\" content=\"To apply for\u00a0an Australian study loan\u00a0, first the applicant needs to be an Australian citizen or permanent resident.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oversealoan.com\/en\/?p=93\" \/>\n<meta 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