$40,000 for what you come out with at UNSW is insanely cheap.
People who complain about the finances then claim it's their dream to fly confuse me. I had no financial backing but managed to work my ass off to find the money to finish my training. It's not impossible, it's just more work. But if it's your dream, then that extra work shouldn't be a "disappointment". It's just one of the many hurdles you'll face in this industry that weens out the people who actually want to do it, from the kids with shiny jet syndrome.