AUD 29,710 (effective 2024-05-10), the overseas travel cost, and school-age children's schooling costs are official set amounts; the figures in the table for spouse/children, added as a proportion of the main applicant amount, vary with the base figure and official methodology, so always rely on the live numbers in the official pages and the Document Checklist Tool. In addition to living costs, you must add the first year's tuition. The annual income method has two thresholds, single and with family; those amounts are likewise per the official source. For full amounts, see the official financial capacity help text and the student visa funds page below.","s3AccessTitle":"\"Genuine access\" is a key scrutiny point","s3AccessBody":"A balance alone is not enough; you must also show the money is genuinely available to you during your stay in Australia. Acceptable forms of evidence include deposits or loans from an approved financial institution, government loans, scholarships, or sponsorship. You should also corroborate:","s3Access1":"proof of the relationship between you and the person providing the funds, plus their identity documents;","s3Access2":"a history of ongoing support to you (rather than funds assembled at the last minute);","s3Access3":"an explanation for recent large deposits (source of funds), and explanations for ongoing deposits such as salary;","s3Access4":"if the funds come from a business, proof that the business is trading normally.","s3RiskBody":"Whether you need to submit financial/English evidence depends on the combined immigration risk level (risk framework) of your institution and your nationality; but even if the system deems you exempt, the case officer retains discretion to require it. Self-checking with the official Document Checklist Tool first is the safest approach. To quickly estimate the total, use our cost calculator.","s4Title":"4. English score requirements (by course/visa)","s4Body":"From 23 March 2024, the English thresholds for student visas were raised across the board. The minimum score for a subclass 500 visa depends on your study pathway (whether you package an ELICOS language course, and whether it is a foundation/bridging course):","s4ThScenario":"Scenario","s4ThIelts":"Minimum IELTS (overall)","s4Accepted":"Tests Home Affairs accepts include IELTS Academic (including One Skill Retake), IELTS General Training, PTE Academic, TOEFL iBT (you must select \"Taking TOEFL for Australia\" when registering), LANGUAGECERT Academic, the Michigan English Test (MET), and others. Equivalent scores across tests are per the official source; our English score conversion tool can compare IELTS/PTE/TOEFL. Common exemptions include: the main course is a standalone ELICOS, a registered course taught in a language other than English, a registered postgraduate research course, or completing enough years of recent English-taught study in an English-speaking country (subject to the official source and the relevant 2025 legislative instruments).","s5Title":"5. Common refusal triggers","s5Item1":"Course and background not consistent: an academic \"downgrade\" (already holding a higher degree but enrolling in a lower-level course), a large change of field with no reasonable career logic, or age/course duration clearly mismatched, with no convincing explanation.","s5Item2":"Obvious signs of \"padded\" funds: a large deposit appearing just before lodgement with no explanation of source, funds parked for too short a time, or the funds provider's relationship to you or their income unable to be substantiated.","s5Item3":"Vague statements disconnected from evidence: 150-word answers that are only slogans, lacking specific research into the institution/course/city, or contradicting the uploaded documents.","s5Item4":"Englis

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