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Student loans are loans offered to students to assist in payment of the costs of professional education. These loans usually carry lower interests than other loans, and are usually issued by the government. Often they are supplemented by student grants which do not have to be repaid. In Australia, students can pay for university courses using the Higher Education Contribution Scheme (HECS). The selection criterion for HECS is based on the rank achieved in the secondary school final examination. HECS fees are government-subsidised, and are substantially cheaper than full-fee paying places which have lower entry requirements.-< /a>
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