Lisa Nightingale says she “could not afford to do it without PELS.” Cindy Christensen says “PELS was the only way [she] could do the Masters program.”.

PELS, the Post Graduate Educations Loan Scheme, is an interest-free loan facility for fee-paying post-graduate students doing non-research courses at universities across Australia. It is quickly becoming a solution for students who want to further their education at Central Queensland University (CQU).

“More people are now hearing about the program and increasing numbers are taking the opportunity to return to study and defer tuition payments,” according to Hollie Perren, CQU Alumni Relations Manager. Eligible students can take advantage of a loan from the Commonwealth government that covers all or part of tuition fees until they are able to pay it back. It is similar to the deferred payment arrangement known as HECS, for undergrads.

The scheme is useful for busy professionals who want to take advantage of CQU’s unique flexible learning programs to further their careers but don’t have the cash flow to cover additional education expenses. It also works well for parents, career-changers or anyone who could use financial assistance to continue to upgrade their qualifications and skills.

Cindy Christensen, a Planning Analyst, will start CQU’s Master of Information Systems program next semester, thanks to PELS and the university’s part-time learning options.

“PELS gives me a chance to continue my studying.... My [degree] will be useful in helping me acquire more skills in complex database development and management.”.

Lisa Nightingale, a single mother, is using PELS to complete a graduate certificate in religion that will advance her opportunities in the local Catholic education system. “I’ll be able to teach in primary school with this degree.”.

Nightingale received her undergrad degree in 2001 following five years at CQU. She worked full time in the region and participated in the University’s external learning programs. .

“No, it’s not easy. It’s bloody hard. But the tools are there at CQU. Writing academic essays was impossible, but a uni support group helped. At times I thought I couldn’t do this anymore... But I can do this. And I’ll keep on, externally, and do my Masters.”.

PELS is available to most students who are beginning or continuing studies. The Commonwealth pays the amount directly to the student’s university. Students then repay their loan through the taxation system when a pre-determined income threshold is reached. More information on PELS is available by phoning the PELS Inquiry Line at 1800 120 108 or visiting www.hecs.gov.au/pels.htm