Yeah it can be a bit of a concern. I was facing 'heading North and the possibility of being up there for an unknown period of time without a job, and that was very daunting indeed with substatial repayment requirements fortnightly. It also hangs over your head for about half a dozen years which can be very restrictive if you want to go travelling to look for work. I was lucky to score a fantastic first job and didn't have to go anywhere to find work, however I am not sure how great an option it is to solely rely on a casually paid instructors job if you have repayments hanging over your head.
Good Luck. It is worth it in the end-you'll wonder how you would ever do another job!