How much total loan amount should I take for my studies including tuition fees and living expenses in Australia/New Zealand for a Master's?

You should plan for a loan that covers both tuition fees and living expenses for your master's studies.

- Australia: For a two-year program, you may need about AUD 120,000 - 150,000 (includes tuition, living costs, health insurance, and visa fees).
- New Zealand: For a two-year program, plan for NZD 100,000 - 120,000 (covers tuition, living expenses, and health insurance).

These estimates are based on current typical costs and are subject to change. Actual amounts may vary by university, city, and lifestyle.