Student Loans and Tertiary Study: US 28093

This resource helps teachers deliver the Financial Capability Unit Standard 28093 ‘Describe the financial responsibilities and consequences of tertiary study funding options’ (Level 2, 3 Credits). Students will learn about the financial responsibilities of tertiary study funding options. You will study a range of funding options and consider their consequences, both in the present and in the future.

Curriculum links

Financial Capability is a core generic domain on the New Zealand Qualifications Framework. This unit of work also has links to the Social Sciences and Mathematics and Statistics learning areas.


Click here for an Interactive Financial Capability US Matrix

Student Loans and Tertiary Study: US 28093

  • Year 11-13
  • 25-30 hrs
  • Mathematics and Statistics
    Social Sciences
    Level 2 Financial Capability Unit Standard
  • Free to NZ Schools
  • Led by teachers
    Training Available
Download overview

Students taking part will

  • Learn about ten different tertiary funding options 
  • Understand interest charged on loans 
  • Learn about when you have to pay back your loan 
  • Advantages and disadvantages of student loans 
  • Explore other funding options and their advantages and disadvantages 
  • Investigate scholarships 
  • Investigate cadetship options 
  • Investigate internship options 
  • Understand the different components of tertiary study costs 
  • Complete a practice assessment

For access to the detailed Teaching Guide and Student Assessment for this Unit Standard, please contact us via email at:

Download includes:

  • Using Financial Capability Unit Standards
  • Activity: 28093 Interactive Student Workbook
  • Helpful information