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Yeah not too sure about HECS, i'd just presume it would. But best to get a professional opinion. Moving around doesn't help much, causing debt will be expected through investing, especially borrowing large sums of money. And taking into account whether you buy an IP or PPOR you will be in...

Hi James and welcome to SS. You've learnt the hard way that education isn't always the key. Good start by getting into the books and getting on here, i've been here since i was 14 and it's been great. So lets fast forward to Feb $64k, so just shy of $50k after tax? Firstly i'd be...