Start here
Med student
Things worth knowing as a med student.
General information only. Nothing on this page is saved.
Now
HELP debt and indexation
The repayment table starts once income crosses a published line. Indexation is separate from the repayment.
Internship pay by state
The intern rate is an award figure, and it is not the same in every state.
A first tax return
A resident sketch with no wage still shows the brackets the later payslip will use.
Soon
Moving states
Stamp duty and the award both change with the state. The move page lines them up.
A simple budget
A fortnightly sketch before a salary exists, so the first contract has a number next to it.
Phone plans
A locum or rural term can change the plan that made sense in the city.
Often missed
Cards
Points and fees are a published comparison, not a recommendation to open an account.
Super starts with the first wage
Employer super is 12% of ordinary earnings from 1 July 2026. It is not optional on a hospital payslip.
A rough figure — not advice. Terms
Advertisement — labelled, never inside the number.