Study Loans - Poly

1. Before you get into poly, there's a 3-6 mths break. Yes, make full use of this time to get a part time job, be it MacDonald's, KFC, sales girl / man at the boutiques or any other job that you don't mind doing as long as it's morally right, it should give you some experience in the long run and a step closer to your better future. (3 * 400 = $1200)
   
2. During poly, there's usually long holidays break. Yes, again, make full use of this time to get the earn more money, like the above step. (Assuming a 5 mth of job during the total of about at least 6 mths worth of holidays and $400 a mth. 5 * 400 = $2000)
   
3. During poly, there's also a 3 - 6 mth attachment. Yes, this will bring you some income, from 450 a mth onwards. (3 * 450 = $1350)
4. You should be about $1450 short after executing step 1-3 and have graduated. Yes, take this opportunity to get a job. You are graduated so get yourself a job. The application for job should start about 2 mths before your last exam. So that the holiday period can be a buffer in case you can't get a good job before it's time to pay off your bank loan.) I understand that the market is bad but it shouldn't affect low level employees like us too much.. 'cos it's always business as usual. At most you'll get a lower paid job but it's ok.. Suffer for about 3 mths and you're debt free!! (Assuming a $1.5K job with $1200 take home pay, you should be able to pay off the debt within 2 mths, assuming a $400 per mth expenses) After which, you can then quit and get the job u wanted more..

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