| 
                         1  | 
                        
                         Q  | 
                        
                         
                        Can 
                        a student at a chiropractic college interstate or 
                        overseas apply for a loan or scholarship?  | 
                      
                      
                        | 
                            | 
                        
                         A  | 
                        
                         Yes, 
                        provided that the student intends to return to practice 
                        in NSW (and, for loans) remains in NSW until the loan is 
                        re-paid)  | 
                      
                      
                        | 
                         2  | 
                        
                         Q  | 
                        
                         Can 
                        a chiropractor pay off the loan sooner than in two years  | 
                      
                      
                        | 
                            | 
                        
                         A  | 
                        
                         Yes, 
                        the trust fund appreciates early repayment so that it 
                        can provide funds to additional students  | 
                      
                      
                        | 
                         3  | 
                        
                         Q  | 
                        
                         What 
                        security do the trustees require for loans?  | 
                      
                      
                        | 
                            | 
                        
                         A  | 
                        
                         The 
                        trustees require guarantees from two people. A guarantee 
                        is a legal document that requires the guarantor (often 
                        parents) to repay the loan should a debtor default on 
                        payments,  | 
                      
                      
                        | 
                         4  | 
                        
                         Q  | 
                        
                         Can 
                        a person other than an Australian citizen apply for a 
                        loan or scholarship?  | 
                      
                      
                        | 
                            | 
                        
                         A  | 
                        
                         No.  |