Hi Michael,
Thank you so much for your information, it's given us a much better idea of what our options are!
We're in NSW, so will look into the stamp…

I spoke to a financial counsellor prior to lodging my application, and at the time I was advised it was my best option... Rather than just defaulting, and having someone…

Thanks for the helpful reply... I was 19yrs old, beaten and sexually abused by a group of still unknown assailants and left for dead. I was severely injured, and…

About us…
Me: 25 years old, employed on a full-time basis in the same workplace/role since July 2009, with a gross annual salary of $60,000 (with guaranteed pay increases every 6…