2020 JOSH FRYDENBERG MP With compliments from

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2020 JOSH FRYDENBERG MP With compliments from
2020
SCHOOL LEAVERS’
GUIDE

           With compl iments from

           JOSH FRYDENBERG MP
           FEDERAL MEMBER FOR KOOYONG
           TREASURER OF AUSTRALIA       / 561
2020 JOSH FRYDENBERG MP With compliments from
04 /	 Education and Training Options
                                                  Vocational Education and Training (VET)
                                                  Universities
                                                  Private Higher Education Providers
                                                  Open Universities Australia (OUA)
                                                  Apprenticeships and Traineeships
                                                  Australian Defence Force (ADF) Gap Year and
                                                  Cyber Gap Program
                                                  Literacy and Numeracy Support

CONTENTS                                   06 /	 Financial and Other Support
                                                  Commonwealth Supported Places
                                                  Higher Education Loan Program (HELP)
                                                  VET Student Loans
                                                  Repaying your HELP Debt
                                                  Trade Support Loans
                                                  General Benefits

                                           08 /
                                              	
                                               Finding Employment
                                                  Employment
                                                  Youth Jobs PaTH (Prepare-Trial-Hire)
                                                  Empowering YOUth Initiatives
                                                  Transition to Work
                                                  Engaging Early School Leavers
                                                  Work for the Dole
                                                  The National Work Experience Programme
                                                  jobactive
                                                  Community and Volunteer Work
                                                  Starting a Business

                                           10 /
                                              	
                                               Additional Information
                                                  Medicare
                                                  Enrolling to Vote
The material in this resource guide               Tax File Number
is made available for the purpose
of providing access to government
information and not as professional

                                           12 /
advice. Before relying on the material,
users should obtain appropriate                   Useful Websites
professional advice relevant to their
particular circumstances to evaluate
its accuracy, currency, completeness

                                           15 /
and relevance for their purposes. Some
material in this resource guide may               Have Your Say
include or summarise views, standards
or recommendations of third parties.
The inclusion of such material is not an
endorsement by the Commonwealth of
that material and not an indication of
the Commonwealth’s commitment to
any particular course of action. Links
provided to internet sites are provided
for the user’s convenience and do
not constitute endorsement of the
information at those sites.

The information contained in this
booklet is current as at 3 August 2020.
562 /                                                                       School Leavers’ Guide 2020
2020 JOSH FRYDENBERG MP With compliments from
JOSH
                                        FRYDENBERG MP
                                        FEDERAL MEMBER FOR KOOYONG | TREASURER OF AUSTRALIA

                        Dear school leaver,
                        Congratulations on your impending graduation!

                        This is a challenging, but nonetheless exciting, time to be completing school. The future
                        requires all of us to be adaptable and prepared. Exploring your options means accessing
                        current information on a range of pathways, and talking to your parents, friends, teachers
                        and career advisers. The School Leavers’ Guide is a great starting point.

                        When deciding what you might do after school, consider your interests, your likes and
                        dislikes, and your experiences at school, at home and within your community. Think about
                        your hopes and visions for the future and where you want to study, train or work.

                        This Guide contains sections about career development, further education and training
                        options, and financial assistance available to young people, as well as useful contacts for
                        more detailed information.

                        I trust you will find this information helpful. Please contact my office on 03 9882 3677 if
                        I can be of any further assistance. If you have not yet done so, I also encourage you to
                        enrol to vote – simply visit www.aec.gov.au/enrol and follow the steps.

                        Good luck as you make the transition from school. I wish you every success in your future
                        endeavours.

                        Yours sincerely,

                        Josh Frydenberg MP
                        Federal Member for Kooyong | Treasurer of Australia
                        PS: F
                             or further information about the Australian Government’s health and economic
                            response to the COVID-19 pandemic visit www.australia.gov.au.

MPs for them to share

                                                   695 Burke Road, Camberwell VIC 3124    03 9882 3677
                                       josh.frydenberg.mp@aph.gov.au    joshfrydenberg.com.au   JoshFrydenbergMP
                                                                                                                      / 563
2020 JOSH FRYDENBERG MP With compliments from
Vocational Education and                       Applying for University
               Training (VET)                                 You can apply to your chosen university
               Vocational education and training is           through standard entry (on the basis of your
               competency-based and directly job-             senior secondary school qualifications),
               related. The VET system provides               special or alternative entry, or advanced
               training for around 4 million students         standing entry (credit transfer or credit for
               annually for a wide range of occupations.      prior learning).
               VET provides industry relevant skills          In most states and territories, and in some
               for a broad range of employment                courses, applications are processed
               opportunities to support a skilled             through a Tertiary Admissions (Service)
               workforce for employers.                       Centre. Contact individual universities and
               Courses are offered through a variety of       Tertiary Admissions Centres for further
               registered training organisations (RTOs)       advice. See page 13 for more information.
               including:
               • TAFE institutes;                             Private Higher Education
EDUCATION      • Private and enterprise training              Providers
AND TRAINING     providers;
               • Secondary schools;
                                                              Approved private higher education
                                                              providers are generally non-university
OPTIONS        • Industry organisations;
                                                              higher education providers which offer
                                                              a range of fee-paying courses leading
               • Professional associations;                   to a higher education award course.
               • Community organisations;                     Visit www.compared.edu.au and
               • Adult and community training                 www.courseseeker.edu.au to
                 providers; and                               view and compare higher education
                                                              institutes and courses.
               • Universities.
                                                              Currently, only a few of these
               For more information on VET                    providers have been approved by the
               opportunities, including courses and           Government to offer Commonwealth
               training providers, visit                      supported places. However, many of
               www.myskills.gov.au                            them can offer a HELP loan.
                                                              Further information on higher education
               Universities
                                                              can be found at
               Universities offer a wide range of general     www.studyassist.gov.au
               and specific courses at undergraduate
               and postgraduate levels, with subsidised       Distance and Online Study
               places and loans for study available to
               some domestic students through the             Many providers offer alternative modes of
               Higher Education Loan Program (HELP).          study to tertiary students, such as online
                                                              or distance education. You should check
               If you are considering going directly          with providers directly.
               from school to university, it is important
               to fully explore university and course         One example is Open Universities
               requirements. Look at prerequisite Year        Australia (OUA). OUA are owned and
               11 and 12 subjects for courses, and the        operated by a consortium of Australian
               campuses at which they are offered.            universities and offers students access
                                                              to higher education study regardless of
               You can visit www.compared.edu.au              their ATAR, previous education, age or
               and www.courseseeker.edu.au to help            location.
               you decide which university and which
               course is right for you.                       For more information visit
                                                              www.open.edu.au
               Some universities also run enabling
               courses that can help you build your
               skills in preparation for study or help you
               if you are unsure about what you might
               like to study.
               It is possible to pursue university study by
               transferring from recognised VET studies
               or undertaking pathway courses.

4/                                                                        School Leavers’ Guide 2020
2020 JOSH FRYDENBERG MP With compliments from
Apprenticeships and                                                                       To find out if you are eligible for this
                                                                                          program and be referred to a SEE
Traineeships                                                                              provider, talk to Services Australia or
An apprenticeship or traineeship is                                                       your local employment service provider
a great career path that kick starts                                                      including:
your future with a job and structured
                                                                                          • jobactive;
education and training. It provides you
with the opportunity to gain real world,                                                  • Disability Employment Services;
hands-on experience while building                                                        • Community Development Program;
important technical, business and
                                                                                          • Transition to Work; and
service skills.
                                                                                          • ParentsNext.
Anyone of working age can become
an apprentice or trainee. You don’t                                                       For further information about SEE visit:
need to have any entry qualifications                                                     www.employment.gov.au/skills-
and there are a variety of study options                                                  education-and-employment
at different certificate levels.
An apprenticeship or traineeship is                                                       Commonwealth
offered in more than 500 occupations          financial support, along with a             Scholarships Program for
across the workforce including                cyber-experience placement to give          Young Australians
building and construction, health care,       valuable insight into how you can
agriculture, manufacturing, automotive,                                                   The Commonwealth Scholarships
                                              protect Australia’s online systems and      Program for Young Australians offers
tourism, beauty, hospitality, mining and      information. You’ll enhance your cyber
digital technologies.                                                                     scholarships for young people to
                                              skills, and learn more about what           undertake vocational education and
Employment prospects for                      makes a career with the Australian          training courses, from the Certificate
apprenticeships and traineeships              Defence Force so rewarding. or              III to Advanced Diploma level. You will
are high.                                     For more information please visit:          also gain hands on work experience
Whether you’re looking to become a            www.defencejobs.gov.au/                     directly linked to your study through
fully qualified tradesperson, a business      education/GapYear or www.dta.               completing a paid, twenty-day
manager, a healthcare expert or a             gov.au/help-and-advice/learning-            internship placement with a local
financial planner, an apprenticeship or       and-development/start-your-digital-         business. The Commonwealth
traineeship can help get you there.           career-government/australian-               Scholarship Program is open to
For more information contact your local       defence-force-cyber-gap-program             young people aged 15-24 years
Australian Apprenticeship Support                                                         who live in an eligible region. The
Network Provider on 13 38 73 or visit         Foundation Language,                        eligible regions are Gosford, Grafton,
                                                                                          Maryborough, Townsville, Alice
www.australianapprenticeships.                Literacy, Numeracy and                      Springs, Wanneroo, Armadale, Port
gov.au
                                              Digital Skills Support                      Pirie, Shepparton and Burnie.
Australian Defence Force                      If you are a job seeker wishing to          Scholars receive up to $5,000 per
                                              develop your reading, writing and           annum in study assistance and up to
(ADF) Gap Year and Cyber                      maths skills to improve your chances        $3,000 for completing the internship
Gap Programs                                  of finding and keeping a job, the Skills    placement. Local businesses who host
The ADF Gap Year Program provides             for Education and Employment (SEE)          an intern receive $1,500.
an opportunity for young Australians,         program can help.
                                                                                          For more information, including how
who have finished Year 12 or                  The SEE program provides language,          to apply for a scholarship, visit the
equivalent, to experience 12 months           literacy and numeracy training to           BUSY At Work website at:
in the military without the obligation        eligible job seekers, to help you to        www.busyatwork.com.au/
to make a longer commitment.                  participate more effectively in training    scholarship-program-for-young-
Participants in the Gap Year Program          or in the workforce                         australians/
learn practical and leadership skills,        You can get up to 650 hours of free
enjoy a healthy and varied lifestyle,         accredited training, starting at your
meet new friends and may even                 own level and working at your own
receive recognised qualifications to          pace. Training is delivered flexibly
help progress their future career - all       through full-time or part-time hours, via
while getting paid.                           face-to-face or distance training.
The Cyber Gap program is open to              A work experience component can
those already studying or currently           also be included in some cases.
enrolling in a cyber-related qualification.
Defence can offer you generous

  With compliments from Josh Frydenberg MP                                                                                        /5
2020 JOSH FRYDENBERG MP With compliments from
The Government is helping thousands             Further information about the HELP
            of Australians to become qualified in           loan schemes, including information on
            their chosen field by providing access          VET Student Loans, can be found at
            to a Commonwealth supported place, a            www.studyassist.gov.au and
            student loan through HELP (including VET        www.dese.gov.au/vet-student-loans
            Student Loans), or support for apprentices
            through Trade Support Loans.                    VET Student Loans
            A loan is a serious commitment. It is a real    VET Student Loans helps students to cover
            debt that must be repaid when you reach         fees for vocational education and training
            a certain income level (this income level       (VET) courses.
            for the 2020-21 financial year is $46,620).     Maximum loan amounts available vary
            Make sure you understand your rights and        depending on the course chosen. Some
            obligations before signing up to any sort       courses approved for VET Student Loans
            of loan.                                        may also be eligible for state or territory
                                                            government funding, which may reduce the
            Commonwealth Supported                          loan amount needed to cover tuition fees.
FINANCIAL   Places                                          You can find information on eligibility,
AND OTHER   At the undergraduate level, many
            higher education providers (particularly
                                                            including courses approved for VET
                                                            Student Loans, as well as the providers
SUPPORT     universities) offer Commonwealth
            supported places to students who are
                                                            (TAFEs, colleges and other institutions)
                                                            approved to offer VET Student Loans, by
            Australian citizens. A Commonwealth             searching on the MySkills website at
            supported place (CSP) is a place at a           www.myskills.gov.au
            university or higher education provider
            where the government pays part of your          Repaying your HELP Debt
            fees. This part is a subsidy, not a loan, and   You pay back your HELP debt through
            you don’t have to pay it back. This subsidy     the tax system once you earn above the
            does not cover the entire cost of your          compulsory repayment threshold.
            study. Students must pay the rest, called
            the ‘student contribution amount’. This         In 2020-21, students will start repaying their
            amount can be loaned through the Higher         HELP debts when their income reaches the
            Education Loan Program (HELP).                  minimum repayment threshold of $46,620.
                                                            The amount you repay changes with your
            Higher Education Loan                           wage. The more you earn, the higher your
            Program (HELP)                                  repayment will be.
            At the undergraduate and postgraduate           myGov
            levels, HELP assists eligible students with
            their student contribution amounts or           myGov is a simple and secure way to
            tuition fees at university and other higher     access government services online with
            education providers. Eligible students have     one login and one password.
            access to deferred payment arrangements         Create a myGov account and you can
            through HELP.                                   link to your Medicare, Centrelink or Child
            The HELP scheme consists of various             Support online account. You can also:
            loans:                                          • get messages sent to your secure
            • HECS-HELP is for eligible                        myGov Inbox;
              Commonwealth supported students               • update your personal details with
              to cover their student contribution              Centrelink and Medicare;
              amounts;                                      • be confident your personal information
            • FEE-HELP is for eligible fee-paying              is secure;
              students to cover their tuition fees;         • access your online accounts overseas;
            • SA-HELP is a loan that assists eligible          and
              students to pay for all or part of their      • link to other government services.
              student services and amenities fee; and
                                                            To create a myGov account go to
            • OS-HELP is to assist eligible students
                                                            my.gov.au
              who undertake part of their study
              overseas with a range of associated           More information is available here:
              expenses, such as airfares and                www.servicesaustralia.gov.au/
              accommodation.                                individuals/subjects/about-mygov

6/                                                                       School Leavers’ Guide 2020
2020 JOSH FRYDENBERG MP With compliments from
Financial hardship                              General Benefits                             • Age Pension, Carer Payment or
                                                                                               Disability Support Pension;
If making your compulsory repayment             Services Australia
will cause you serious financial hardship,                                                   • ABSTUDY Living Allowance, Austudy
you can apply to the ATO to defer your          Services Australia delivers                    or Youth Allowance;
repayment.                                      government payments and
                                                                                             • Bereavement Allowance or Widow
                                                services. They can provide you with
For up-to-date information visit                                                               Allowance;
                                                information on relevant services and
www.studyassist.gov.au                          payment options, including referrals         • Partner Allowance, Special Benefit or
For more information on HELP                    to employment service providers,               Sickness Allowance;
repayments, call the Australian                 Services Australia specialists and           • Family Tax Benefit – Part A at more
Taxation Office on 13 28 61 or visit            other departments and agencies.                than the base rate;
www.ato.gov.au                                  www.servicesaustralia.gov.au is              • Parenting Payment partnered and
                                                your first port of call for information on     single; or
Scholarships                                    all payments and services available
A variety of scholarships and awards are                                                     • JobSeeker Payment or Farm
                                                through Services Australia.
available for students to gain financial                                                       Household Allowance.
help for their tertiary studies. Details will   Youth Allowance                              Special rules apply for some young
become available from universities and          Financial help may be available if           people to get Rent Assistance with
other higher education providers during         you’re 24 or younger and a student or        some payments – for more information
2020.                                           Australian Apprentice, or 21 or younger      visit: www.servicesaustralia.gov.au/
                                                and looking for work.                        individuals/services/centrelink/rent-
Trade Support Loans                                                                          assistance
                                                You may be eligible for Youth Allowance
An Australian apprentice or trainee             if you are:                                  Low Income Health Care Card
working in a skills need area may be
                                                • 16 to 21 and looking for full-time         If you are a student, looking for work,
eligible for a Trade Support Loan (TSL)
of up to $21,542 to help cover the costs           work;                                     an apprentice, or on a low income you
of living and learning.                         • 18 to 24 and studying full-time;           may be eligible for a Low Income Health
                                                                                             Care Card. This card entitles you to get
A TSL is an interest-free government            • 16 to 24 and doing a full-time
                                                                                             a prescription filled at a reduced cost,
funded loan that is paid in monthly                Australian Apprenticeship;
                                                                                             and other concessions.
instalments for up to six months at a           • 16 to 17 and independent or needing
time. Your debt is indexed annually and                                                      For more information call 13 24 90 or
                                                   to live away from home to study; or
you will get a 20 per cent discount on                                                       visit www.servicesaustralia.gov.au/lic
your debt when you have successfully            • 16 to 17, studying full-time and have
completed your apprenticeship.                     completed year 12 or equivalent.          ABSTUDY
                                                Eligibility is based on many things          ABSTUDY is the Aboriginal and Torres
You could borrow just a small
                                                including:                                   Strait Islander Study Assistance
amount over a few months or receive
                                                                                             Scheme, which is a group of payments
payments over the four years of your            • Your age and whether you are
                                                                                             for Aboriginal or Torres Strait Islander
apprenticeship, up to the lifetime limit of        undertaking an approved course or
                                                                                             students or apprentices. ABSTUDY may
$21,542 (for 2020-21).                             activity;
                                                                                             assist you if you are:
You choose how to spend the money.              • If you are dependent or independent;
                                                                                             • an Aboriginal or Torres Strait Islander
You could use the loan to cover living          • Income and assets tests; and                 Australian;
expenses, buy work equipment like
tools or boots, or save your payments to        • Residency requirements.                    • in an approved course, Australian
buy a car. Whatever you do, remember            Individual circumstances vary,                 Apprenticeship or traineeship; and
you will have to pay the money back.            so for more information visit:               • not getting another payment to study
You will start repaying your TSL once           www.servicesaustralia.gov.au/                  or train.
you have reached the compulsory                 individuals/services/centrelink/
                                                                                             ABSTUDY can help with your study
repayment threshold of $46,620 (for             youth-allowance
                                                                                             costs and housing if you need to travel
2020-21). Repayments are made                                                                to study. It can help with your costs for:
                                                Rent Assistance
through the income tax system (like a
university HELP loan).                          Rent Assistance is a regular extra           • study;
                                                payment that may be available to you,        • housing;
For more information contact an
                                                if you receive certain payments from
Australian Apprenticeship Support                                                            • living expenses; and
                                                Services Australia. Thresholds and
Network in your region on 13 38 73                                                           • travel to your place of study each
                                                maximum amounts of Rent Assistance
or visit www.australianapprentice-                                                             term or semester, if you need to
                                                vary according to your individual
ships.gov.au                                    circumstances.                                 study away from home.
                                                You may be able to get Rent Assistance       For more information call 1800 132 317
                                                if you pay rent, live in Australia, and      or visit: www.servicesaustralia.gov.
                                                receive one of these payments:               au/abstudy

  With compliments from Josh Frydenberg MP                                                                                           /7
2020 JOSH FRYDENBERG MP With compliments from
Employment
             When you are trying to get a job there are
             things you can do to make the process
             easier. You might want to:
             • Spend some time developing your
               career portfolio;
             • Consider the skills and attributes that
               employers are looking for;
             • Learn more about the steps involved in
               looking for work;
             • Get feedback on your résumé and job
               applications;
             • Consider directly approaching
               employers to ask about opportunities;
             • Practice your interview techniques; and
FINDING      • Follow up any applications you have         fortnight on top of your Youth Allowance
EMPLOYMENT     circulated.                                 or Newstart Allowance payment.
             There are a number of ways to get             For more information visit www.
             help finding work. You may find the list      employment.gov.au/youth-jobs-path
             of useful websites at the back of this
             resource a good place to start.               Transition to Work
             For more information visit                    Transition to Work ensures young people
             www.employment.gov.au                         aged 15-24 who have greater barriers
                                                           to employment receive intensive support
             Youth Jobs PaTH                               from community-based organisations with
             Youth Jobs PaTH is an Australian              expertise in helping them to develop their
             Government employment service that            work-like skills. This program is focused
             helps young people gain skills and work       on developing skills, confidence and
             experience they need to get and keep          readiness to enter employment. Providers
             a job.                                        help eligible young people to:
                                                           • Develop practical skills to get a job;
             PaTH will maximise the chances of young
             Australians under 25 and on Newstart or       • Connect with education or training;
             Youth Allowance to get a job through the      • Find and complete work experience
             following initiatives:                          placements;
             Employability Skills Training                 • Find job opportunities in their local
                                                             area; and
             Employability Skills Training courses help
             you get job ready by building your skills     • Connect with relevant local community
             and improving your chances of getting a         services.
             job or a PaTH Internship. In course one,      For more information visit www.
             you’ll learn workplace skills including       employment.gov.au/transition-work
             managing your work life, communication
             skills and problem solving. In course two,    jobactive
             you’ll learn job search skills and get help
                                                           jobactive is a national network of private
             to write your resume and job applications
                                                           and community organisations dedicated
             and improve your interview skills.
                                                           to finding jobs for unemployed people.
             PaTH Internship Placements                    If you are a registered job seeker and
             A PaTH Internship is a workplace trial so     in receipt of an eligible income support
             you can get work experience that could        payment, jobactive can help you.
             lead to a job. It is a chance for you to      Your jobactive provider will enter your
             show an employer what you can do and          employment history and education into
             how you fit into their business.              the JobSearch database (jobsearch.gov.
             You can select an internship at a business    au), which will automatically match your
             that interests you, working on activities     experience against available jobs.
             that match your skills and qualifications.    For more information about jobactive visit
             You’ll also receive an extra $200 a           www.jobactive.gov.au

8/                                                                       School Leavers’ Guide 2020
2020 JOSH FRYDENBERG MP With compliments from
The National Work                          The NCI’s website provides you with          The website provides you with:
                                           a careers front door, connecting you
Experience Programme                       to information, advice and support to
                                                                                        • Information on making informed
                                                                                          choices about jobs and training,
The National Work Experience               help you find the job or study options         setting goals and personal
Programme is for people aged               that are right for you. The website            presentation, talking to employers
17 and older and registered with           provides information about learning            and workplace expectations;
jobactive, Transition to Work or           and training, getting job ready along
Disability Employment Services. The        with career ideas and resources.             • Insights into how different employers
program places you in real life work                                                      recruit and tips to get their attention,
                                           For more information visit                     how to maintain a positive online
experience placements, helping you
                                           www.nci.dese.gov.au                            presence as well as what skills and
gain experience and confidence,
while demonstrating skills to potential                                                   attributes are needed for different
employers. The Program will offer you      Launch into Work                               jobs and industries; and
work experience and employment             Launch into Work offers tailored             • Practical information, templates
opportunities by providing unpaid          pre-employment projects that lead to           and workbooks to help you tailor
placements with employers for up to        real jobs. Projects are co-designed            résumés and cover letters, and
four weeks, to a maximum of 25 hours       directly with an employer to ensure            prepare for interviews.
per week.                                  participants build the skills required for
                                                                                        For more information please visit
You may be eligible for an extra $20.80    a specific role within their organisation.
                                                                                        jobjumpstart.gov.au
a fortnight Approved Program of            As a participant, you will receive at no
Work Supplement while undertaking a        cost to you: training, tailored to the       Community and Volunteer
National Work Experience placement.        role; work experience, mentoring and
                                           a commitment of employment if you            Work
For more information visit
https://jobsearch.gov.au/                  successfully complete the project.           Volunteer work is an excellent way
jobseekerinfo/national-work-               Launch into Work is targeted at              of experiencing new challenges and
experience-programme                       females however males are also               learning about the world of work.
                                           welcome to participate. To be                Volunteers provide a valuable service
Foundation Skills for Your                 eligible, you must be registered with        to the community. There are a variety
                                           a jobactive, Transition to Work or           of organisations that rely on volunteers
Future Program
                                           ParentsNext provider.                        and it can be a great way to gain
The Australian Government has                                                           new skills and build on your work
                                           Further information is available at
established the Foundation Skills for                                                   experience.
                                           www.employment.gov.au/launch-
Your Future Program to assist young
                                           work-program                                 For more information visit
people who are in employment or
have recently become unemployed                                                         www.volunteeringaustralia.org
and who wish to improve their oral         Job Jumpstart
communication, reading, writing,           Job Jumpstart is the Australian              Starting a Business
maths and digital skills to support them   Government’s digital service for             Starting a business is another option
in the workplace                           young people seeking job search and          to consider. There are more than two
The Foundation Skills for Your Future      employment planning information.             million small businesses operating
Program provides flexible training         It offers a range of information and         across Australia and you do not need
options for eligible participants to       resources, categorised into life stages      formal qualifications or business
support your learning needs. Service       for ease of use.                             experience to start and run a business.
providers, approved to deliver the                                                      There are a number of programs
Program, can work with you or your                                                      aimed at helping you build your
employer to accommodate your                                                            enterprise skills and develop innovative
learning needs.                                                                         ideas, as well as providing sources of
For further information on the                                                          training and education.
Foundation Skills for Your Future                                                       For more information visit
Program visit: www.employment.                                                          www.business.gov.au
gov.au/foundation-skills-your-
                                                                                        You can also contact your local
future-program
                                                                                        Business Enterprise Centre at
                                                                                        www.becaustralia.org.au for one-
National Careers Institute                                                              on-one advice and help.
The National Careers Institute was
established to provide you with access
to accurate and up to date careers
information.

 With compliments from Josh Frydenberg MP                                                                                      /9
2020 JOSH FRYDENBERG MP With compliments from
Medicare                                    To enrol in Medicare you must live in
                                                          Australia and be one of the following:
              Medicare is Australia’s universal
              health care system. When you enrol in       • An Australian citizen;
              Medicare, Services Australia pays some      • A New Zealand citizen;
              or all of the costs of your necessary
                                                          • An Australian permanent resident;
              health care.
                                                          • Applying for permanent residency; or
              Medicare provides access to:
                                                          • A temporary resident covered by a
              • If your doctor bulk bills, Medicare
                                                            Ministerial Order.
                pay the cost directly to the doctor.
                This means you won’t have to pay          You may already be listed on your
                anything;                                 parents’ Medicare card, however young
                                                          people over the age of 15 may enrol on
              • You’ll need to pay for your
                                                          their own Medicare Card. If you are on
                appointment if your GP doesn’t bulk
                                                          your parents’ card, you can download
                bill. You may be able to claim some of
                                                          a Medicare enrolment or transfer
                this money back from Medicare; and
                                                          application form from the Services
ADDITIONAL    • Medicare also help to make some
                medicines more affordable for you
                                                          Australia website to get your own
                                                          Medicare card.
INFORMATION     through the Pharmaceutical Benefits
                Scheme.
                                                          You will need to provide some form of
                                                          identification (like a passport or student
              For more information visit                  ID). If you haven’t been enrolled before,
              www.servicesaustralia.gov.au/               you may need to provide eligibility
              individuals/subjects/whats-covered-         documents.
              medicare
                                                          Remember to take your Medicare card
              How to Enrol in Medicare and                with you when visiting a doctor or when
                                                          you have a prescription filled.
              Obtain a Medicare Card
                                                          For more information call 13 20 11
              You get a Medicare card when you enrol
                                                          or visit: www.servicesaustralia.gov.
              in Medicare. You’ll usually be told your
                                                          au/individuals/services/medicare/
              Medicare number straight away and
                                                          medicare-card
              your card will be sent to the address you
              provided in 3 to 4 weeks.
                                                          Unique Student Identifier
              You can use a digital copy of your
              Medicare card as soon as you enrol. To      A Unique Student Identifier (USI) is a
              use a digital version of your Medicare      reference number that links together
              card, you need to:                          higher education and training records
                                                          from different providers, in different
              • Download and sign in to the Express       states, and across different years – all in
                Plus Medicare app; and                    the one record.
              • Select the Card tab on the home           Students can view their higher education
                screen.                                   and training records or transcripts online
                                                          through their USI account. They can also
                                                          download or print their USI Transcript
                                                          and share it electronically with providers
                                                          and employers of their choice.
                                                          All students undertaking higher
                                                          education and nationally recognized
                                                          training must provide a USI to their
                                                          provider unless exempt. It is free and
                                                          easy to create and stays with you for life.
                                                          For more information please visit
                                                          www.usi.gov.au

10 /                                                                  School Leavers’ Guide 2020
Tax File Number
                                           Your tax file number (TFN) is your
                                           personal reference number in the
                                           tax and superannuation systems.
                                           You keep the same TFN even if you
                                           change your name, change jobs,
                                           move interstate or go overseas.
                                           Your TFN is an important part of your
                                           tax records, as well as your identity,
                                           so it’s important to keep it secure.
                                           You must provide your TFN or a
                                           certificate of an application for a TFN
                                           when you apply for a study or training
                                           loan. You also need your TFN to be
                                           able to apply for government benefits,
                                           lodge your tax return electronically or
                                           get an Australian business number
Enrolling to Vote                          (ABN). How to apply for a TFN will
                                           depend on your circumstances.
Voting is both your right and your
responsibility as an Australian. It is     For information on how to apply
compulsory for all Australians 18          for a TFN visit www.ato.gov.au/
years and older to enrol and vote          individuals/tax-file-number
(although you can pre-enrol when you       For more information contact the ATO
turn 16). Failure to vote at an election   on 13 28 61 or visit www.ato.gov.au
can result in a fine.
If you believe you are already
pre-enrolled, you can check your
enrolment here: check.aec.gov.au
If you need to enrol for the first
time for federal, state and local
government elections, this can be
done by filling out a single form,
available from the Australian Electoral
Commission (AEC) website (select
enrol to vote), post offices or your
local Member of Parliament.
For more information contact the AEC
on 13 23 26 or visit
www.aec.gov.au/enrol
If you need to update your enrolled
address, because you have
permanently changed home, you
should revise your enrolment after
you have lived at the new residential
address for a period of at least one
month.
If you are temporarily living away from
home (for instance for study), but
intend your return, you do not need to
update your enrolment.
To update details, visit here:
www.aec.gov.au/enrol/update-my-
details.htm

 With compliments from Josh Frydenberg MP                                            / 11
www.australianapprenticeships.gov.au
           Learn more about Australian Apprenticeships and the benefits of
           combining practical work and training.

           www.aec.gov.au
           Everything you need to know about Australia’s electoral system
           and voting.

           www.dese.gov.au/vet-student-loans
           Learn more about the eligibility criteria and how to apply for VET
           Student Loans.

           www.gooduniversitiesguide.com.au
           Find courses and places to study using various search criteria
USEFUL     and ratings on universities, campuses and courses.

WEBSITES   www.graduatecareers.com.au
           Employment support services and programs.

           www.servicesaustralia.gov.au
           For Medicare and Centrelink support services and programs.

           www.jobsearch.gov.au
           Current labour market information including job prospects,
           employment rates and average incomes.

           www.aqf.edu.au
           The Australian Qualifications Framework (AQF) is the national
           policy for regulated qualifications in the Australian education and
           training system.

           www.open.edu.au
           A flexible way to study toward a university degree off campus.

           www.volunteeringaustralia.org
           Provides information on a range of opportunities for volunteers.

           www.defencejobs.gov.au
           Provides information on a range of career and job opportunities in
           the Australian Defence Force.

           www.myskills.gov.au
           Australia’s directory of training available for school leavers,
           students, apprentices and employers throughout the country.

           www.compared.edu.au
           Provides students with information on survey results covering
           the higher education student life cycle from commencement to
           employment. It publishes overall satisfaction of current students
           and recent graduates, median salary received by recent
           graduates and full-time employment rates after graduation.

12 /                                                               School Leavers’ Guide 2020
www.courseseeker.edu.au
Compare undergraduate courses from top universities
and higher education institutions. Find course information,
entry requirements, admission processes and student
satisfaction.

www.studyassist.gov.au
Provides information to students about Government
assistance with higher education.

my.gov.au
A fast, simple way to access government online services
including Centrelink, Medicare and the ATO.

www.uac.edu.au
The Universities Admissions Centre (UAC) is the central
application point for admission into universities in New
South Wales and the Australian Capital Territory.

www.qtac.edu.au
The Queensland Tertiary Admissions Centre (QTAC) is the
central application point for admission into universities and
tertiary education in Queensland.

www.satac.edu.au
The South Australian Tertiary Admission Centre is the
central application point for admission into universities in
South Australia.

www.vtac.edu.au
The Victorian Tertiary Admissions Centre is the central
application point for admission into universities in Victoria.

www.tisc.edu.au
The Tertiary Institutions Service Centre is the central
application point for admission into universities in Western
Australia.

www.utas.edu.au
To apply for tertiary education in Tasmania you have to
apply directly through the university. Find out more about
studying at the University of Tasmania here.

 With compliments from Josh Frydenberg MP                        / 13
NOTES

14 /    School Leavers’ Guide 2020
JOSH FRYDENBERG                                               MP

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JOSH FRYDENBERG MP                                                                                                                      695 Burke Road, Camberwell VIC 3124
                                                                                                                             03 9882 3677     josh.frydenberg.mp@aph.gov.au
FEDERAL MEMBER FOR KOOYONG | TREASURER OF AUSTRALIA
                                                                                                                                joshfrydenberg.com.au    JoshFrydenbergMP
Authorised and printed by Josh Frydenberg MP, Liberal Party of Australia, 695 Burke Road, Camberwell VIC 3124.                                                    / 575
JOSH FRYDENBERG MP
        FEDERAL MEMBER FOR KOOYONG
        TREASURER OF AUSTRALIA
              695 Burke Road, Camberwell VIC 3124                                          03 9882 3677
              josh.frydenberg.mp@aph.gov.au                                    joshfrydenberg.com.au                     JoshFrydenbergMP
576 /   Authorised and printed by Josh Frydenberg MP, Liberal Party of Australia, 695 Burke Road, Camberwell VIC 3124.   School Leavers’ Guide 2020
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