The average HECs student debt is now $26,500 and rising rapidly. Once upon an inflation-free time HECs hardly mattered, now it matters a lot. Worse still, the way HECs is managed by the government is antiquated and unfair to former students. Meanwhile, banks use the debt to reduce your borrowing capacity. No wonder there is a push to change the process. In today's show we cover: Why more than 200,000 people are pushing for change in student debt How to manage your HECs situation  Expanding an SMSF to include six people Is leasing an electric car a better way to go? Advisor James Wrigley of First Financial joins wealth editor James Kirby in this episode. See omnystudio.com/listener for privacy information.