The student loan is quite easy to get, but you must pay the money back. It is important that you apply for a student loan as soon as possible - well before your programme commences. As soon as you are out in the workforce and earning over a certain threshold, you will be paying back your loan.To get a student loan you must be a NZ citizen, permanent resident (for 2 years or more) or have refugee status.
Just remember, whatever you borrow you will need to pay back.
You might be entitled to a student allowance while you are studying. The student allowance is designed to help with your living costs while you study. It is a weekly payment that you will not have to pay back.
There are specific conditions which apply to both student loans and allowances. You can find out more by visiting StudyLink
Freephone: 0800 88 99 00