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a couple more things to add: I understand that the inflation % for HECS will/should never be as high as a mortgage repayment, but this is a case for what to do with money if you WEREN"T to buy a house. Earning 4.5% interest on this $18,000 might get you slightly ahead of the amount that HECS is...

Hi All Apologies if this isn't exactly a Property-related question, I only ask because I'm considering purchasing a property right now, but at the same time am considering paying off my HECS completely instead. I've got a HECS debt of approx $12k and also some savings equating to 20% of a...