Nonsense, I most certainly wasn't rich, I worked four jobs to pay for my training, I won a scholarship to pay for my instructor rating-and most of my self funded students have gone out and done FIFO or similar high paying careers first, not had rich parents but self motivated and already successful, with a career to fall back on too.
Never have I asked for any payments "up front", I'm not running a Ponzi scheme.
I don't have time now, but with your calculations let me know how long it will take them to pay off their HELP loan, including the 20% "admin" and indexation and how much it will have ballooned on an FO wages for five years.