Dear Students,
We hope you are progressing well with your studies.
This is an important notice regarding our payment terms. As part of our financial policy, Yarrawonga Mulwala Community Learning Centre applies interest charges to overdue accounts. We are writing to inform you that from 1 March 2026, any student account that is overdue will incur a 2% charge per calendar month, calculated on the full outstanding balance of the invoice.
If you are currently behind in payments, we encourage you to bring your account up to date before 1 March 2026 to avoid additional fees.
Should you be experiencing financial difficulty please contact our Training Manager, Sharron Johnson to discuss.
If you need assistance reviewing your account, please reach out to our Office Manager, Kerri McKenna ,and she will be able to assist.
Please also note, all payments made via our merchant facility, will now incur a .48% surcharge.
In order to reduce any additional costs, we strongly recommend all payments to be made via Direct Debit into the YMCLC bank account.
Thank you for your attention to this matter and for your ongoing commitment to your studies.

________________________________________
Frequently Asked Questions (FAQs)
1. What does “overdue” mean?
An account becomes overdue when a scheduled payment or instalment is missed. Once this occurs, the entire remaining balance of the invoice is considered overdue.
2. How much is the overdue fee?
From 1 March 2026, a 2% interest charge per calendar month will apply to the full outstanding balance of any overdue account.
3. When will the new charge start?
The 2% monthly charge will begin on 1 March 2026. If you bring your account up to date before this date, no interest will be applied.
4. Why is this fee being introduced?
This fee reflects our existing financial policy and helps ensure the sustainability of our training and support services. It also encourages students to maintain their payment arrangements.
5. Will I be charged multiple times if I remain overdue?
Yes. The 2% interest is applied per calendar month until the overdue balance is paid in full.
6. What if I am experiencing financial hardship?
If you are facing difficulty making payments, please contact the office as soon as possible. We may be able to arrange a payment plan or provide alternative support options.
7. How can I check my account balance?
You can contact our office for an updated statement or request clarification about any invoice or instalment.

YMCLC acknowledges the distressing events that occurred at Bondi Beach on Sunday 14 December 2025. We recognise that incidents of this nature can be upsetting and may affect people in different ways, whether directly or indirectly.  

You are not alone 

At this time, it's important to focus on your care and safety while supporting one another. 

Support is available 

If you or someone you care for needs immediate help or is in danger, call 000. 

Free, confidential supports are available: 

• Lifeline – 13 11 14 (24/7 phone and online chat)
• Beyond Blue – 1300 22 4636 (mental health support)
• 1800RESPECT – 1800 737 732 (support for trauma, violence, and abuse)
• Headspace – 1800 650 890
• If you are Deaf or hard of hearing, TTY and relay services are available for these lines. 

If the current news or social media feels overwhelming, it is okay to: 

• Take breaks from media coverage
• Stick to familiar routines where possible
• Spend time with people, animals, or activities that help you feel grounded
• Ask for extra support from your support workers, family, or friends 

YMCLC encourages kindness, patience, and mutual support during this time. 

With solidarity and care, 
Yarrawonga Mulwala Community & Learning Centre

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Make your password a strong one - more than 8 characters in it, with at least 1 number, 1 Uppercase letter, and 1 non-alphanumeric character (eg !, $, %).