This law student flatting in Auckland Central receives $230 a week in student loan living costs - which adds to her $60K student loan debt each week. She also works as a nanny, making about $250 a week.

"I really don't see how a student could happily survive on the current living costs alone."

She feels grateful that her degree has recorded lectures, which means she doesn't have to attend lectures in person and can fit in part-time work to supplement her living costs loan. However, not all degrees have that flexibility. "There's not an appreciation that not every student can work while studying," she says.

This is the second episode of Show Us Your Money, a series where a range of New Zealanders get candid about their money. We’re stripping away the secrecy around our bank accounts, and showing the reality of life in Aotearoa at different income levels.

Watch the previous episode where a 28-year-old making $74K shows us his bank account here.