I like Australian interest rate rises

As a recently graduated university student with only a single debt comprising of an outstanding HECS loan my view of interest rate rises is in stark contrast to the majority of the population. Indexed against inflation, the growth rate of a HECS debt is curbed by the latest inflation-targeting decisions of the RBA.

Simultaneously a standard bank account now earns a greater rate of return allowing me to benefit by delaying repayments as long as legally possible. The only requirement is a sufficiently lengthy delay to overcome the bonus provided for paying lump sum HECS repayments.