To determine how much money you'll need for your qualification, work out both your study costs and your living costs.

1. Study costs are the costs you incur as part of your course. There are two components:

• Course fees. This is what the institution charges to teach you.
• Course related costs. These are what you'll have to pay to take part in the course e.g. textbooks, stationery, photocopying.

Examples of a range of tuition fees.

Our directory of tertiary institutions will help you find out the cost of completing your course from your University, Polytechnic, College of Education, Wananga or private training establishment.

2. Living costs are what it will cost to house, clothe, feed and transport you while you study.

To give you an idea of how much you'll need, see an example of what a student living away from home could expect to spend in a week.

Living at home, if you can, is a good way to cut down your living expenses.