Kiwi Saver, Mary Holm financial writer and columnist

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  from Mary Holm, New Zealand's most widely read investment writer

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Student Loans

The following is a selection of articles and radio broadcasts mainly from January 2005 to the present. To explore this topic in more depth and access earlier columns, please use the search box.

Articles

RNZ Radio 30 November 2017

How to best deal with a student loan

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NZ Herald 8 April 2017

Q&As: Is the family home an investment?
- You can get a benefit even if you have savings ...
- ... And having 1 or 2 boarders won't affect your benefit
- 2 letters on study options for last week's correspondent
- One way to save for retirement travel in Europe
- Should 'whingers' take care of elderly parents themselves?

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NZ Herald 1 April 2017

Q&As: University probably the best route to a new start for woman
- Credit cards not linked to mortgages
- Clearing up info on Residential Care Subsidy and gifting
- Do small gifts count when apply for that subsidy?

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NZ Herald 8 October 2016

Q&As: Perhaps we should celebrate a young man's spending splurge
- Don't get rid of student loan, pay down mortgage
- Dodgy share advice given to elderly couple
- Think of NZ Super as insurance
- Pension info there, but reader may have been distracted

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NZ Herald 3 September 2016

Q&As: Should student earn interest while running up student loan?
- Freebies for shareholders left some the worse for wear
- Deduction of Canadian pension from NZ Super seems fair
- Another ethical KiwiSaver fund
- Show Me The Money Week about to start

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NZ Herald 28 March 2015

Q&As: 'No' on deductions but 'yes' on student loan for teen entrepreneur
- Clarification on KiwiSaver fees for children
- Doesn't performance matter more than fees?
- Give or lend to adult children when they need it, not when you die

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NZ Herald 14 February 2015

Q&As: How to let both daughters in on the deal
- Did "holidaying" KiwiSaver miss out?
- Could KiwiSaver money be grabbed because hubby's running up debts?
- Student loan repayments can continue into retirement
- Some tips for last week's separated woman

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NZ Herald 21 September 2013

Q&As: Dripfeed money when moving it from country to country
- Home exemption from capital gains tax applies to farmhouses but not farms
- Should people overseas be allowed to use KiwiSaver money to repay student loans?
- Is prostitution just another job?
- Sex worker's letter makes a reader weep
- Escaping the trap of over-valuing money

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NZ Herald 7 September 2013

Q&As: Plans of 29-year-old daughter sound good so let her be
- Using KiwiSaver to repay student loans probably not a good idea
- Improvements wouldn't be subject to capital gains tax
- South African tax option not ruled out

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NZ Herald 6 July 2013

Q&As: Mother and son should probably go for the big trip
- Reader confused - although not unhappy - with student loan rebate
- Update on what's happened to gold and silver prices
- Type of mortgage would matter if bank defaults
- Property and shares more alike than reader thinks
- Diversification the best way
- 2 more KiwiSaver providers that tell members about tax credit

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NZ Herald 18 May 2013

Q&As: When are capital gains taxed?
- Should separated father's income count when applying for a student allowance?
- Too much in this column on KiwiSaver?
- The government's thinking on income in family trusts

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NZ Herald 11 May 2013

Q&As: Does rental property have tax advantages over shares?
- What happens if somebody wrongfully gets KiwiSaver tax credits while living overseas
- Does it work to set up a family trust so your kids can get student allowances?

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NZ Herald 20 April 2013

Q&As: Two readers warn about trying to control children's inheritances
- Do adult children expect an inheritance these days?
- A bit of confusion over KiwiSaver and tax
- Two readers' ideas on rethinking student loans

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NZ Herald 6 April 2013

Q&As: You can be regarded as being in a de facto relationship even if you don't live together
- Accountant gives bad advice on joining KiwiSaver
- Paying extra off the mortgage versus saving outside KiwiSaver
- 2 Q&As about young man who is NZ tax resident but still pays interest on his student loan
- Reader's student loan idea might work - depending on family dynamics

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NZ Herald 30 March 2013

Q&As: 2 readers tell of struggles for overseas students repaying student loans
- Another reader explains why he let his student children run up loans and then helped to repay them
- Confusion over changes to KiwiSaver employer contributions
- Will a pre-nuptial agreement do the trick?
- Can a parent draw up a Section 21 agreement for their adult child?

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NZ Herald 23 March 2013

Q&As: Should student loan interest - for people overseas - be lower than mortgage rates?
- Why parents let students run up loans, and then repay the loans for them
- One way parents can help their adult child buy a home without losing the money to the child's ex later on
- How the new partner of a widow might get his share if they split up

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NZ Herald 16 March 2013

Q&As: Student loan question brings out the differences in a couple's attitudes to money
- 2 Q&As about making use of the student loan repayment bonus - which expires on March 31 - while students are still studying
- Clarification of some tricky wording about student loans
- A warning for couples: Relationship property agreements should not be DIY

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NZ Herald 17 November 2012

Q&As: Is KiwiSaver the best place to save for a child?
- KiwiSaver is flexible in retirement
- 21st birthday money could be used to repay student loan - and get bonus
- Gains, taxes and prizes
- Another website offers info on banks
- Tell your KiwiSaver provider how well they communicate

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NZ Herald 8 September 2012

Q&As: Time to check a reader's challenge about banks and gold
- And let's hear it from the reader himself
- Why 1-person retiree households spend so much less than 2-person households
- Should NZ Super be more for older retired people?
- Income manipulation to get student allowances is now curbed
- Not every reader agrees with aggressive ones

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NZ Herald 1 September 2012

Q&As: The extra money retired people can get from the government, above NZ Super
- 2 Q&As about information on spending in retirement
- People don't literally invest student loans - so how do they do it?
- Reader finds this column not worth reading!
- People who make the most of student loans are "not morally bankrupt"
- A note about Money Week

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NZ Herald 25 August 2012

Q&As: 3 readers are upset about morality and student loan repayment strategies
- Is it better to take advantage of the student loan repayment bonus, while it lasts?
- Low retirement spending figures challenged

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NZ Herald 18 August 2012

Q&As: New research helps to answer whether couple in early 50s should worry about how much they are saving
- KiwiSaver funds won't be the next finance companies
- Should young man overseas repay his student loan?

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NZ Herald 5 May 2012

Q&As: Reader could do with a re-think
- Economist calls for in-depth look at NZ Super
- Easy way to make KiwiSaver contributions
- Should we use KiwiSaver money to repay student loans?
- How about starting to charge interest on student loans?
- 3 readers remember what tertiary tuition fees were like in their day

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Syndicated column 5 May 2012 - How the lolly choice has changed

The economists have given up on the idea, and it's time the rest of us did too. I'm talking about making financial decisions based only on the cold hard facts and numbers, and not taking into account emotional and psychological factors.

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NZ Herald 14 April 2012

Q&As: Should reader buy a NZ house now - while still overseas - or later?
- 3 readers' varying views on student loans
- 2 readers seem to be a bit muddled about the new KiwiSaver tax credit

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NZ Herald 7 April 2012

Q&As: Best ways to play the KiwiSaver game if you are an employee with a mortgage
- 2 readers argue - convincingly - with my comments last week on student loan repayment
- Why a reader changed her attitude to repaying her children's student loans

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NZ Herald 31 March 2012

Q&A: Students get a good deal by world standards, and shouldn't dodge student loan repayments
How come the bonds in a balanced KiwiSaver fund report losses?
Winning the tax game if you have a home and a rental property
Where to get free budget advice

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NZ Herald 24 March 2012

Q&As: Is it better to go for the most expensive house you can, or the cheapest?
- Adult son in sheltered workshop should keep up with KiwiSaver
- Slight risk of holding back on using student loan repayment bonus

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NZ Herald 17 March 2012

Q&As: No clear-cut answer on whether's it's better to slash debt or save for Christmas
- The best way to make use of the student loan repayment bonus
- Student loan holder living overseas is foolish to ignore his loan
- What's the point?

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NZ Herald 10 March 2012

Q&As: A reader's 10 rules on property investment make good sense
- 3 Q&As on the fairness of wealthier people using student loans
- Was the word "renter" misused in last week's column?
- Research centre is looking into issues about overseas pensions and NZ Super

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NZ Herald 3 March 2012

Q&As: How to plan retirement savings if you don't want to own a home
- Family in last week's column must have muddled their language a little
- If you've lived in Australia, applying for NZ Super may not be straightforward

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NZ Herald 5 March 2011

Q&As: Should couple sell their house, and buy again later?
- The high price of not organising your automatic payments well
- When you should and shouldn't repay your student loan quickly - and future prospects
- 2 Q&As on what happens to KiwiSavers when they retire

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NZ Herald 20 November 2010

Q&As: Have I been too easy on the banks, or is a reader being too tough?
- Why does it take so long to clear a cheque in this computer age?
- Inland Revenue acknowledges delays in processing student loan bonus payments

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NZ Herald 6 November 2010

Q&As: How to weigh up contributing to KiwiSaver versus repaying your student loan, now that there's a repayment bonus
- Gold investors should take care about who is storing their bullion
- How long should it take to process a KiwiSaver application?

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NZ Herald April 25 2009

Q&As: It's top-up time for many people in KiwiSaver
More ideas for couple having trouble affording their first home
3 Q&As on the government's new student loan repayment bonus

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NZ Herald April 18 2009

Q&As: The pluses and minuses of the government's new student loan repayment bonus.
2 Q&As on the woes - and possibilities - for first home buyers.

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NZ Herald July 28 2007

Q&As: KiwiSaver providers that are offering ethical investment funds.
More on ethical KiwiSaver funds.
Will the KiwiSaver kick-start be around for a while?
Could the government take KiwiSaver money to repay student loans?
Oops! Too much haste.
Sack adviser who recently recommended Bridgecorp.

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NZ Herald June 9 2007

Q&As: Super saver, 19, might be best to stay out of the rental market unless his parents have deep pockets.
Former landlord tells his nightmare story.
Is it good for New Zealand when our young take off on their OE?

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NZ Herald June 2 2007

Q&As: Student allowance rip-off is not OK.
Advice for house-less Gen Xers: Buy a rental property in the provinces.
Rental property buyers feel like the scourge of society.
The cliché king has his say.
Cardboard boxes and contentment.

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NZ Herald May 19 2007

Q&As: Four readers give diverse views on whether baby boomers or Generation Xers got a better deal on tertiary education, student loans, and affordability of houses.

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NZ Herald December 16 2006

Q&As: Should man, 64, get student loan for the income, given that he probably won't ever repay it?
Passing shares down the generations has good and bad points.
Why did GPG get an exemption from the new international share tax rules?
Woman makes great progress in one short year.
New charity aims to help children help themselves.

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NZ Herald April 15 2006

Q&As: Attitudes to student loans.
Interest on student loans.
Fear and share investment.
Spending in retirement.

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NZ Herald April 8 2006

Q&As: Buying a share on a rumour.
Retiring at 40 (2 Q&As).
Investing student loan money.

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NZ Herald April 1 2006

Q&As: Can he retire?, 40-year-old asks.
Couple about to retire wonder if their expenses will drop as they get older.
Student loan interest ends. What happens if you go overseas?

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Syndicated column November 29 2005: The student loan lark - what students can and can't do

Student loans are back in the news. And there's some confusion about how students will be able to use - or abuse - the system when all loans become interest-free next April.

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Syndicated column September 20 2005: Wellington and Christchurch dwellers big spenders and risk takers

So much for Aucklanders' image as the big spenders, risk takers and owers of debt!

Wellington and Christchurch dwellers are more inclined to put some of their savings into high-risk, high-return investments than Aucklanders, a recent survey shows.

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NZ Herald September 17 2005

Q&As: Don't be rushed into buying an apartment.
2 Q&As on how student loans can be invested.
A finance company has its say.

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NZ Herald September 10 2005

Q&As: How to go about investing your student loan.
How to find rating information on finance companies.

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NZ Herald March 12 2005

Q&As: Student's letter is real! Some students DO invest their loan money.
Who can help home buyers spot a leaky home?

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NZ Herald March 5 2005

Q&As: How to invest a student loan, and SHOULD you?
Where can you get an apartment for $100,000?
Bonds may beat term deposits, even for the short term.

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