When/if you apply for finance does it aske you about any hecs/help loans? Do you list it as a current debt? I'm hoping that this is going to be the last thing that DH is worried about. Our friend that is here tonight told him that he thinks its a good idea... just the last hurdles...

Effectively, my take hm pay will be less until i pay back the debt yeah? because they with hold the tax? If i don't earn over the threshold and therefore don't have to pay back anything at that point, what happens with the tax that was withheld?

Sorry for all the questions.