So we have already established with a few "techniques" the endo is closer to 20k not 30k.
The bloke working in GA also has the option of applying to a company that allows salary sacrifice. No money required upfront. No need to remortgage house etc....
Seems to be about $250 per fortnightly pay to pay it back. Never paid for it myself but the GA guy can easily cover it by realising a higher salary to offset the cost.
So the arguement that the poor guy in GA can't afford it and has no "options" is not quite true....