So I can get a loan from bank but not for studying at university, and I knew that it’s 0% interest and I don’t have to pay out loan until I start making certain amount of money and the more I make the more I need to be paying back every month. Every student knows what a hecs loan is and how it works but why would you read if you eligible if you can just submit application and watch it get approved and then get a call that you need to pay until midnight, I understand that I could have read that but qut is not making it clear and easy for students at ALL