Study in aussie will cost you roughly around 30k per year.
(Course fee + Living expenses + Air Tickets). Depending on the
degree you pursuing, it will take one to two years.
The best way is still to take up the "P.M. scholarship"...err..I
mean the Papa Mama Scholarship if available. You have long
repayment periods, and can negoitate with your parents if you
really tight and need to skip a payment to them.
The other solution is to borrow from various sources, and have few
loans. But the payment of the loan can kill you. And you might not
find a job that fast when you return.
Distance learning is another option, but you must check if it is
recognised by your employer. It allows you to work, yet study. But
it's tiring and take quite a lot of willpower.
The final option is to work for a number of years, save up before
you pursue your degree. The door of education is always open if you
have the determination. I had course mates who are in the
60s.
Just my two cents, hope this helps a little. 