Latest news with #MichaelRyan
Sydney Morning Herald
3 days ago
- General
- Sydney Morning Herald
Michael lost an arm in year 12, but he was determined to do his HSC
All the tips and tricks to help you do your best in this year's exams. See all 9 stories. 'When I want to do something, I'll focus and go all out' When Michael Ryan returned to St Joseph's College Hunters Hill for the HSC exams in 2022, he did so against incredible odds after a life-threatening farm accident on an all-terrain vehicle. He was airlifted to hospital after the accident, to endure multiple surgeries, infections and several heart attacks before the amputation of his left arm became inevitable. In the months of rehabilitation in hospital, he battled pain and fatigue, and the challenge of learning to walk again and relearning everyday tasks with one arm. Yet he remained intent on finishing his HSC. Returning to school, he refused teachers' offers of special extensions and doubled down on his studies. With the support of the HSC Disability Provisions program, he scored in the top two bands for all of his HSC courses and an ATAR of 88.95. 'I wanted to graduate with my peers and move forward. My teachers, family and friends supported my decision,' he said. Though no longer able to play rugby, he stayed on as a student coach. Beyond school, he volunteered with WIRES and the Bill Crews Foundation. Having intended to study chiropractic science at Macquarie University, Ryan had to rethink his career path and is now studying law and business at the University of Technology, Sydney. He works part-time as a paralegal and returns to his high school as a rugby coach and boarding supervisor. 'My perspectives and values were realigned after what happened. I was a procrastinator, and not super-efficient with how I was working,' he said. 'The importance of a work ethic is something I really value now – when I want to do something, I'll focus and go all out.' For one of his best HSC subjects, geography, Ryan encouraged this year's students to get to know the course content thoroughly and 'be succinct' when writing. He said the practical and real-world scenarios in geography support the type of precise answers he believes markers seek. 'They aren't looking for vague answers. They want a specific answer to show you understand the content.' His top tips for HSC Geography Take the time needed: 'Spend the extra time to get your work to 100 per cent. It's rare that you have the same view as your marker. Use your teachers for feedback, they want to help you. Nothing ever takes just one go.' Consider turning off the music: 'I've never been able to listen to music when I study.' Study with mates: 'I was good at learning with flash cards and testing other people. If I was confident enough to help others, it also reinforced what I already knew.' Read the advice from an HSC Geography marker. 'I was desperate to make a film': Saunders' big ambition Scarlett Saunders had a three-hour daily commute to get to Newtown High School of Performing Arts, all in the pursuit of her dream to become a filmmaker. From year 7, her passion grew for drama and film and with a focused approach to her studies, it led to her topping NSW in the 2024 HSC Entertainment Industry exam. Keen to tell stories of women in the film industry – and 'desperate to make a film' – she combined her ambition with her writing skills in English Extension 2, which requires students to explore their knowledge and understanding of authorship in their major work compositions. 'I wanted to take the course project as an opportunity to see if this was a platform and an industry that I really wanted to get into,' said Saunders, who plans to be a screenwriter and eventually a director. A cut-down version of her eight-minute film earned her a place in the bachelor of arts screen production course at the Australian Film Television and Radio School. 'There's still this need for authentic female depictions and authentic female stories to be told and shared,' said Saunders, who cites Greta Gerwig (director of Little Women, Barbie, Ladybird) as a role model. Saunders said year 12 students shouldn't discount the value of their interests and passions. 'A lot of people begin dropping extracurricular activities to maximise their HSC study time. I found something that I was really passionate about that was like an extracurricular activity but still counted towards my HSC.' Saunders' tips for HSC English Work at your own pace: 'Try to develop a consistent approach to your study – even if it's just two or three hours a day. When hearing about other people's efforts makes you feel like yours aren't adequate, ask yourself if such comparisons are in your best interest.' Don't live in a study bubble: 'Take breaks with things like walking the dog – something that fills you back up. Remember, year 12 is the last time you and your friends will be in the same place, so take a moment to appreciate it.' English Extension 2 students: Just start writing! 'It's really rewarding to have something that you can call your own. Your first draft will never be the final piece you submit, so the sooner you start writing and creating, the closer you are to a more developed draft.' Cambridge maths studies now part of Pan's equation Receiving a coveted place in the Mathematical Tripos degree at England's Cambridge University, Sizhe Pan, a 2023 graduate of James Ruse Agricultural High School, now immerses himself in maths 24/7 with like-minded classmates from around the globe. 'If you like maths, it's a dream,' said Pan, who studied Mathematics Extension 1 and Extension 2 and achieved an ATAR of 99.4. Extracurricular maths competitions in year 11 broadened his horizons and led him to apply to overseas universities – now he's enjoying a life of study with other up-and-coming maths experts. 'Living on campus is kind of cool because you're right next door to all your friends. I have good Singaporean and Indian friends; good German, Ukrainian and Malaysian friends – we all cook together and share each other's food.' Although still in year two and 'figuring things out', Pan is considering a future in academia and research or quantitative maths after he completes the bachelor's degree, then possibly the master's in mathematics at Cambridge. 'I'd like to go into pure maths where I'd be working every day as a researcher … I'd spend all my working time just thinking about maths. Or possibly quantitative maths – I'm interested in how the maths works behind the stock market.' His advice to students seeking good results in HSC maths? 'Even if you're able to push yourself and be very disciplined, find a way to enjoy the subject because it can get really hard to study if you don't enjoy it.' Pan's tips for HSC Mathematics Start by developing your understanding: 'Understand the content deeply before going into past papers or textbook questions.' Apply time and patience: 'The content can be challenging – some questions take hours to do.' Complete past papers: 'It's important to test your knowledge of the whole syllabus, including what you studied at the beginning of the year.' Read advice from an HSC Mathematics marker. Compounding curiosity delivers trifecta Not many people can claim to have topped the state in one HSC subject, let alone three. But that's exactly what Redeemer Baptist School graduate Anubhav Ammangi achieved – placing first in Chemistry and Software Design and Development in 2024, and Maths Extension 1 in 2023. Completing a whopping 17 units instead of the required 10, Ammangi finished Mathematics Advanced in year 10, and Mathematics Extension 1 and Physics in year 11 as part of an accelerated program. 'I knew I enjoyed maths and science from a young age because I get excited seeing the vast array of problems and the way it stimulates my brain to think in new and interesting ways,' said Ammangi, who has a strong track record in Maths Olympiads and programming competitions. Starting early on practice papers was essential to finesse new concepts. 'You can't just learn a concept and be done with it – I would complete related questions from trial papers and solve as many questions as I could to consolidate my learning,' he said. Ammangi also consistently analysed his mistakes by maintaining a document for each course. 'Accuracy is a big thing – a lot of people can perform at a high level but what brings them down are silly mistakes. To stop that, it takes deliberate practice to reduce your error rate,' Ammangi said. Now studying a double degree in Mathematics and Computer Science at UNSW Sydney, Ammangi has some advice for this year's HSC students. 'Just keep at it, even when things get hard and stressful. If you push through the last year, you will really enjoy the results at the end and have something to be proud of.' Ammangi's tips for HSC Chemistry Use practice papers to increase your efficiency: 'By getting really fast and confident at answering the easy questions, you give yourself more time to tackle the harder questions.' Analyse your mistakes: 'It's easy to look at a mistake and say, 'I probably won't do that again', but if you stop and acknowledge that you do have a tendency to make that kind of mistake, you can consciously avoid making it again.' Review your practicals: 'After completing a practical, be sure to recall and note down any key details, phrases or calculations you might need in a future question – be specific and precise in all explanations.' Read the advice from an HSC Chemistry marker. War-torn childhood has Saleem fighting for justice Fleeing war in her home country and completing only one year of primary school education left Asteer Saleem with challenges that would seem insurmountable to many. The desire to not just receive an education but to excel was so strong for Saleem that her family's arrival in Australia in 2019 unleashed a passion for learning; she spent year 7 completing intensive English education, then began midway through year 8 and went on to become a Distinguished Achiever and a First in Course in the 2024 HSC. 'The war in Iraq in 2014, when I was just eight years old, shattered everything. I lost not just my home but my childhood – and with it, the right to an education. I had no school at all between year 1 and year 7,' said the former student of Mary Mackillop Catholic College in Wakeley. 'I lost not just my home but my childhood – and with it, the right to an education.' Asteer Saleem Achieving the highest band – Band 6 – in four courses and Band 5 in the remaining two, Saleem topped NSW in Arabic Extension – a language she didn't learn to read or write before she was nine. She completed this course at Liverpool Boys High School. 'If I had come here earlier, it would have been a whole different life – maybe if I'd had access to education, I wouldn't have valued it,' she said. Achieving an ATAR of 95.15, Saleem is especially proud of her efforts in Legal Studies, which fuelled her ambitions to fight injustice. This year she began a double degree in Law and Commerce at Sydney University. 'Everyone's equal under the law here. It's above everyone – it's a concept that we didn't have back home,' she said. 'That experience has instilled in me a deep desire to fight for justice – because I know what it feels like to have your voice silenced, your rights ignored and your future stolen.' Saleem's tips for HSC Legal Studies Don't multitask: 'It's going to fog your brain.' Study in a quiet environment: 'When there's no other noise, you focus and forget yourself.' Make the right choices: 'Study what you enjoy and don't compare yourself to others.' Handwrite your study notes: 'When you're writing them, they stick to your brain.' Read the advice from an HSC Legal Studies marker. Animated Edwards explored her creativity Developing knowledge and understanding of an industry and its technologies is what it's all about in Industrial Technology – and the exceptional work produced by Helen Edwards in her first-ever step into the world of animation led to her topping the state in the 2022 HSC course. The Emmanuel Anglican College, Ballina, graduate attributes her HSC success to her major work – a three-minute multimodal animation incorporating digital animation in different styles, pencil and paper animation and claymation. 'From a technical viewpoint, my project wasn't the best. It was my first attempt at animation! Using the folio, I was able to justify every decision I made. It showed my understanding of the industry, even if my animation wasn't perfect,' she said. Soon to complete her bachelor of primary education at Southern Cross University, Edwards is considering further study to develop her interest in multimedia studies. 'Over the years, fantastic teachers have revealed to me how important the profession and education as a whole is, and the lasting, positive impact enthusiastic teachers have on students,' Edwards said. 'Industrial Technology showed me how important digital skills are to thriving in the 21st century – and technology in education became a personal focus for me.' The theory elements of Industrial Technology are important for exam success, Edwards said, as it covers content such as different tools, processes, industry standards and work health and safety. The value of taking breaks during project work can't be underestimated either, as it ultimately improves your result. 'Know when you have reached your limit and take a break – don't push through. You'll return rejuvenated and possibly notice something you missed before,' she said. Edwards reminded this year's HSC students that there is life after the exams. 'The step into the unknown when you leave school is daunting, but when you reach the finish line it isn't as scary as you might anticipate,' she said. 'Regardless of how you perform in the HSC, there are always alternative paths for achieving your goals – that's what my mum always reminded me!' Edwards' top tips for HSC Industrial Technology 'Pester' your teachers: 'They want you to succeed. Talk to them and give them practice papers you've completed, and gain feedback on those.' Master your study skills: 'The writing and planning skills you learn in high school – which are so important in year 12 – are also invaluable for university.' Ensure your folio demonstrates design, management and production skills: 'Don't neglect your folio; it's how you justify your project.' Read the advice from an HSC Industrial Technology marker. Artistically thinking outside the box Pursuing her love of the humanities and creative arts proved a winner for Olivia Zaia, a 2024 HSC High Achiever who earned an ATAR of 99.3. 'Sometimes I doubted Music as a good choice for the HSC, given misunderstandings about scaling. I thought I was going to have to sacrifice a 'good' ATAR for the things I love,' she said. 'I care about challenging that notion that you can't get a good ATAR with creative arts subjects – they've always been my areas of passion and what I've been good at. 'Those two things – effort and passion – really work in tandem. It was my personal investment that contributed to achieving well in those courses,' said Zaia, who was 2024 Dux at St Joseph's Catholic College in East Gosford. Zaia was enrolled in Studies of Religion 2 and chose three English courses, along with Music and Drama. 'It was an opportunity to expand my horizons. I found I had less room to be creative with my thinking in some of the other subjects, but here I was training myself to think outside the box,' she said. Now at the University of Sydney doing a bachelor of media and communications with music as her minor, Zaia is interested in cultural journalism – and dreams of pursuing the creative arts professionally, too. Is there a secret to her HSC success? 'It's really just about effort – there's no magic bullet or study technique that's going to fix all your problems or instantly elevate your work.' That said, she encouraged year 12 students to explore different study techniques. 'It's trial and error. Find what works for you and use that to give it your all. Believe that what you're doing is bettering you as a person and as a student – the results will create themselves if you care about it.' Zaia's tips for HSC Music Blitz practice papers: 'I went absolutely crazy just doing those for weeks.' Develop your active recall: 'Write flash cards and practise with them.' Get messy with mind-maps: 'Have whiteboard brainstorms to familiarise yourself with the theory components, then listen for them in all the music you come across; learn the syllabus by identifying the concepts in real life. It's active learning.' Ciocci set for study and stardom While Jayda Ciocci's family was engrossed in soccer, she spent most of her early childhood mastering Michael Jackson's moves and dreaming of a future on stage. 'I used to put on my black jazz shoes, wrap Band-Aids around my fingers, put on a hat and do the concert from start to finish. I watch it now and can still bust out a whole Smooth Criminal,' said Ciocci, who achieved a Band 6 in 2024 HSC Music. First came dance lessons, then singing (aged eight) and selection for Wollongong High School of the Performing Arts. Next came roles in Southern Stars productions and touring with an ensemble performing at schools. 'You really understood what it was like to work on the road – nine shows in three days. You're up at 4am doing your hair and make-up, and you actually have to bump in and bump out,' she said. 'Being in large arenas is where I feel at peace. I just love the lights, the makeup and the extravagance of it all!' Ciocci also performed in the Schools Spectacular and was among the small group of Music students selected for the HSC showcase, Encore, at the Sydney Opera House this year. 'It's been hard to get an insight into what music could look like as a career because I've grown up thinking it would be something I could do only through high school,' she said. Ciocci deferred enrolment in a bachelor of law and bachelor of psychological science at the University of Wollongong, choosing to chase auditions – she would love to be a recording artist or cast in a musical. 'Being in large arenas is where I feel at peace. I just love the lights, the makeup and the extravagance of it all!' she said. Ciocci's top tips for HSC Music Develop a study routine: 'I'm quite nerdy and I do enjoy study, but it's worth having a good routine.' Record yourself for self-review and feedback. 'As hard as it is, you see yourself performing and you listen to yourself and identify a lot more.' Get to know and adapt your performance piece: 'Really familiarise yourself with your piece and play with it stylistically to best show off your strengths.' Read the advice from an HSC Music marker. Driving ambition from Norfolk Island Completing his HSC on a remote island of just 2000 people didn't slow down Flynn McCowan's drive to succeed. With just 19 classmates in his year at the island's only school, Norfolk Island Central School, McCowan was determined to carve his own path and took on the Automotive vocational education and training (VET) course. 'I was the first person to ever study Automotive at Norfolk. I made sure I always kept my goal in mind, which was going on to complete my automotive Certificate III qualification,' said McCowan, who achieved First in Course for the Automotive exam in the 2023 HSC. 'Throughout year 12, I was working two part-time jobs as well as school, one as a mechanic's assistant. It motivated me and reinforced what I was learning in my VET course.' After graduating, McCowan relocated to Brisbane to start an apprenticeship in light vehicle mechanical technology. Thanks to his VET course, he entered the workforce with his HSC, on-the-job experience and a nationally recognised qualification. McCowan's journey shows that the HSC doesn't have to follow a conventional path – from this year, a student can have results from more than one VET course included in their ATAR. 'Thanks to my VET studies and striving to always do my best, I was accepted into all five of the apprenticeships I applied for in Brisbane,' he said. 'One day I hope to work on performance vehicles.' McCowan's tips for HSC success Keep your 'me' time: 'It's important not to lose yourself. I still went surfing, motorbike riding and stayed active. Hobbies matter!' Study with mates: 'You have gone through school together – support each other. Group study can really help.' Be confident: 'Do your best in every subject, but remember there are many ways to reach your goals.' Visit NESA's website to find out more about changes that now mean you can include more than one VET course with an exam in your ATAR. Building bridges through Aboriginal Studies For proud Gumbaynggirr, Gomeroi and Anaiwan student Jaiah Wallace, the HSC was more than just exams – it was an opportunity to learn, grow and be a part of positive change. Aboriginal Studies was a natural choice for the St Ignatius' College Riverview student, as the course gave him the space to reflect, connect and contribute to truth-telling. 'I spoke with my family, my friends, my teachers or even strangers in the library. Those conversations made me stay grounded,' Wallace said. 'Maintaining social connection and sharing what you learn creates a healthier environment for study and life.' Wallace said Aboriginal Studies is deeply relevant for all Australians, promoting 'engagement with the world's oldest continuing cultures and helping build bridges of understanding and reconciliation'. 'You come out of it more aware, more empathetic, and with a genuine desire to make real change,' said Wallace, who was among a select group of year 12 literary talent published in the Young Writers 2024 anthology. He credits his teacher, Peter McNamara, as a major influence, delivering lessons that extended well beyond the classroom. 'His devotion to the subject and his class showed what true reconciliation looks like in action. He inspired all of us,' said Wallace. Now on a gap year working at a school in London, Wallace will start a bachelor of arts and law at the University of Sydney next year and hopes to major in Indigenous studies. 'To anyone considering Aboriginal Studies, it will shape how you see the world. You'll carry the knowledge and values with you for life.' Wallace's top tips for HSC Aboriginal Studies Get it done early: 'Stay on top of work – it helps ease stress later.' Go the extra mile: 'Listen and pay attention – and ask that question. These classes you will carry with you for life because of the high relevance to everyday life in Australia. You won't regret it.' Work together: 'Support your classmates – you're in it as a team.' Read the advice from an HSC Aboriginal Studies marker. Setting a personal best in PDHPE Striking a balance between studying and enjoying the final year of high school was a challenge Gemma Stevenson faced during her HSC. But with hard work, Stevenson was awarded the 2023 Dux of Northern Beaches Secondary College, Manly Campus, and topped the state in PDHPE. 'I really liked all my subjects, and I think that's why I did so well despite the misconception that PDHPE would bring down my ATAR,' said Stevenson. The syllabus was a tool to exercise her active recall of information. 'I would write everything I knew about a particular syllabus dot point and then, using a different colour, I would fill in the gaps of knowledge and keep doing that until there were no more gaps.' She also compiled a bank of examples to use for extended responses. 'Not only is it important to know the content in PDHPE, you also need to know how it applies in different situations – having a good bank of examples helped with that.' Stevenson expressed gratitude for her support network, particularly her mentor teacher, Ms Elizabeth Lindsay. 'At our school, every year 12 student would pick a teacher to have as their mentor. Ms Lindsay was a saviour – someone to lean on for moral and emotional support,' she said. Now studying a double degree bachelor of science and advanced science at the University of Sydney, Stevenson reminds HSC students of the silver lining. 'Studying is so important – but you shouldn't forget that graduating is such a big milestone and you don't want to regret not participating in all the things that make year 12 so memorable,' she said. 'Once there is a finish line in sight, it will become easier and your efforts will be worth it.' Loading Stevenson's tips for HSC PDHPE Embrace practice papers: 'Complete them in a shorter amount of time than you get in the actual exam to emulate the stress of exam conditions.' Listen to PDHPE podcasts: 'When I needed a break from my desk, I would take a walk outside for fresh air and listen to a podcast on Spotify that goes through the syllabus points.' Keep the balance: 'Make sure to have outlets outside of studying – I did quite a bit of running just to get space away from my phone and technology.' Read the advice from an HSC PDHPE marker. Start the day with a summary of the day's most important and interesting stories, analysis and insights. Sign up for our Morning Edition newsletter.
The Age
3 days ago
- General
- The Age
Michael lost an arm in year 12, but he was determined to do his HSC
All the tips and tricks to help you do your best in this year's exams. See all 9 stories. 'When I want to do something, I'll focus and go all out' When Michael Ryan returned to St Joseph's College Hunters Hill for the HSC exams in 2022, he did so against incredible odds after a life-threatening farm accident on an all-terrain vehicle. He was airlifted to hospital after the accident, to endure multiple surgeries, infections and several heart attacks before the amputation of his left arm became inevitable. In the months of rehabilitation in hospital, he battled pain and fatigue, and the challenge of learning to walk again and relearning everyday tasks with one arm. Yet he remained intent on finishing his HSC. Returning to school, he refused teachers' offers of special extensions and doubled down on his studies. With the support of the HSC Disability Provisions program, he scored in the top two bands for all of his HSC courses and an ATAR of 88.95. 'I wanted to graduate with my peers and move forward. My teachers, family and friends supported my decision,' he said. Though no longer able to play rugby, he stayed on as a student coach. Beyond school, he volunteered with WIRES and the Bill Crews Foundation. Having intended to study chiropractic science at Macquarie University, Ryan had to rethink his career path and is now studying law and business at the University of Technology, Sydney. He works part-time as a paralegal and returns to his high school as a rugby coach and boarding supervisor. 'My perspectives and values were realigned after what happened. I was a procrastinator, and not super-efficient with how I was working,' he said. 'The importance of a work ethic is something I really value now – when I want to do something, I'll focus and go all out.' For one of his best HSC subjects, geography, Ryan encouraged this year's students to get to know the course content thoroughly and 'be succinct' when writing. He said the practical and real-world scenarios in geography support the type of precise answers he believes markers seek. 'They aren't looking for vague answers. They want a specific answer to show you understand the content.' His top tips for HSC Geography Take the time needed: 'Spend the extra time to get your work to 100 per cent. It's rare that you have the same view as your marker. Use your teachers for feedback, they want to help you. Nothing ever takes just one go.' Consider turning off the music: 'I've never been able to listen to music when I study.' Study with mates: 'I was good at learning with flash cards and testing other people. If I was confident enough to help others, it also reinforced what I already knew.' Read the advice from an HSC Geography marker. 'I was desperate to make a film': Saunders' big ambition Scarlett Saunders had a three-hour daily commute to get to Newtown High School of Performing Arts, all in the pursuit of her dream to become a filmmaker. From year 7, her passion grew for drama and film and with a focused approach to her studies, it led to her topping NSW in the 2024 HSC Entertainment Industry exam. Keen to tell stories of women in the film industry – and 'desperate to make a film' – she combined her ambition with her writing skills in English Extension 2, which requires students to explore their knowledge and understanding of authorship in their major work compositions. 'I wanted to take the course project as an opportunity to see if this was a platform and an industry that I really wanted to get into,' said Saunders, who plans to be a screenwriter and eventually a director. A cut-down version of her eight-minute film earned her a place in the bachelor of arts screen production course at the Australian Film Television and Radio School. 'There's still this need for authentic female depictions and authentic female stories to be told and shared,' said Saunders, who cites Greta Gerwig (director of Little Women, Barbie, Ladybird) as a role model. Saunders said year 12 students shouldn't discount the value of their interests and passions. 'A lot of people begin dropping extracurricular activities to maximise their HSC study time. I found something that I was really passionate about that was like an extracurricular activity but still counted towards my HSC.' Saunders' tips for HSC English Work at your own pace: 'Try to develop a consistent approach to your study – even if it's just two or three hours a day. When hearing about other people's efforts makes you feel like yours aren't adequate, ask yourself if such comparisons are in your best interest.' Don't live in a study bubble: 'Take breaks with things like walking the dog – something that fills you back up. Remember, year 12 is the last time you and your friends will be in the same place, so take a moment to appreciate it.' English Extension 2 students: Just start writing! 'It's really rewarding to have something that you can call your own. Your first draft will never be the final piece you submit, so the sooner you start writing and creating, the closer you are to a more developed draft.' Cambridge maths studies now part of Pan's equation Receiving a coveted place in the Mathematical Tripos degree at England's Cambridge University, Sizhe Pan, a 2023 graduate of James Ruse Agricultural High School, now immerses himself in maths 24/7 with like-minded classmates from around the globe. 'If you like maths, it's a dream,' said Pan, who studied Mathematics Extension 1 and Extension 2 and achieved an ATAR of 99.4. Extracurricular maths competitions in year 11 broadened his horizons and led him to apply to overseas universities – now he's enjoying a life of study with other up-and-coming maths experts. 'Living on campus is kind of cool because you're right next door to all your friends. I have good Singaporean and Indian friends; good German, Ukrainian and Malaysian friends – we all cook together and share each other's food.' Although still in year two and 'figuring things out', Pan is considering a future in academia and research or quantitative maths after he completes the bachelor's degree, then possibly the master's in mathematics at Cambridge. 'I'd like to go into pure maths where I'd be working every day as a researcher … I'd spend all my working time just thinking about maths. Or possibly quantitative maths – I'm interested in how the maths works behind the stock market.' His advice to students seeking good results in HSC maths? 'Even if you're able to push yourself and be very disciplined, find a way to enjoy the subject because it can get really hard to study if you don't enjoy it.' Pan's tips for HSC Mathematics Start by developing your understanding: 'Understand the content deeply before going into past papers or textbook questions.' Apply time and patience: 'The content can be challenging – some questions take hours to do.' Complete past papers: 'It's important to test your knowledge of the whole syllabus, including what you studied at the beginning of the year.' Read advice from an HSC Mathematics marker. Compounding curiosity delivers trifecta Not many people can claim to have topped the state in one HSC subject, let alone three. But that's exactly what Redeemer Baptist School graduate Anubhav Ammangi achieved – placing first in Chemistry and Software Design and Development in 2024, and Maths Extension 1 in 2023. Completing a whopping 17 units instead of the required 10, Ammangi finished Mathematics Advanced in year 10, and Mathematics Extension 1 and Physics in year 11 as part of an accelerated program. 'I knew I enjoyed maths and science from a young age because I get excited seeing the vast array of problems and the way it stimulates my brain to think in new and interesting ways,' said Ammangi, who has a strong track record in Maths Olympiads and programming competitions. Starting early on practice papers was essential to finesse new concepts. 'You can't just learn a concept and be done with it – I would complete related questions from trial papers and solve as many questions as I could to consolidate my learning,' he said. Ammangi also consistently analysed his mistakes by maintaining a document for each course. 'Accuracy is a big thing – a lot of people can perform at a high level but what brings them down are silly mistakes. To stop that, it takes deliberate practice to reduce your error rate,' Ammangi said. Now studying a double degree in Mathematics and Computer Science at UNSW Sydney, Ammangi has some advice for this year's HSC students. 'Just keep at it, even when things get hard and stressful. If you push through the last year, you will really enjoy the results at the end and have something to be proud of.' Ammangi's tips for HSC Chemistry Use practice papers to increase your efficiency: 'By getting really fast and confident at answering the easy questions, you give yourself more time to tackle the harder questions.' Analyse your mistakes: 'It's easy to look at a mistake and say, 'I probably won't do that again', but if you stop and acknowledge that you do have a tendency to make that kind of mistake, you can consciously avoid making it again.' Review your practicals: 'After completing a practical, be sure to recall and note down any key details, phrases or calculations you might need in a future question – be specific and precise in all explanations.' Read the advice from an HSC Chemistry marker. War-torn childhood has Saleem fighting for justice Fleeing war in her home country and completing only one year of primary school education left Asteer Saleem with challenges that would seem insurmountable to many. The desire to not just receive an education but to excel was so strong for Saleem that her family's arrival in Australia in 2019 unleashed a passion for learning; she spent year 7 completing intensive English education, then began midway through year 8 and went on to become a Distinguished Achiever and a First in Course in the 2024 HSC. 'The war in Iraq in 2014, when I was just eight years old, shattered everything. I lost not just my home but my childhood – and with it, the right to an education. I had no school at all between year 1 and year 7,' said the former student of Mary Mackillop Catholic College in Wakeley. 'I lost not just my home but my childhood – and with it, the right to an education.' Asteer Saleem Achieving the highest band – Band 6 – in four courses and Band 5 in the remaining two, Saleem topped NSW in Arabic Extension – a language she didn't learn to read or write before she was nine. She completed this course at Liverpool Boys High School. 'If I had come here earlier, it would have been a whole different life – maybe if I'd had access to education, I wouldn't have valued it,' she said. Achieving an ATAR of 95.15, Saleem is especially proud of her efforts in Legal Studies, which fuelled her ambitions to fight injustice. This year she began a double degree in Law and Commerce at Sydney University. 'Everyone's equal under the law here. It's above everyone – it's a concept that we didn't have back home,' she said. 'That experience has instilled in me a deep desire to fight for justice – because I know what it feels like to have your voice silenced, your rights ignored and your future stolen.' Saleem's tips for HSC Legal Studies Don't multitask: 'It's going to fog your brain.' Study in a quiet environment: 'When there's no other noise, you focus and forget yourself.' Make the right choices: 'Study what you enjoy and don't compare yourself to others.' Handwrite your study notes: 'When you're writing them, they stick to your brain.' Read the advice from an HSC Legal Studies marker. Animated Edwards explored her creativity Developing knowledge and understanding of an industry and its technologies is what it's all about in Industrial Technology – and the exceptional work produced by Helen Edwards in her first-ever step into the world of animation led to her topping the state in the 2022 HSC course. The Emmanuel Anglican College, Ballina, graduate attributes her HSC success to her major work – a three-minute multimodal animation incorporating digital animation in different styles, pencil and paper animation and claymation. 'From a technical viewpoint, my project wasn't the best. It was my first attempt at animation! Using the folio, I was able to justify every decision I made. It showed my understanding of the industry, even if my animation wasn't perfect,' she said. Soon to complete her bachelor of primary education at Southern Cross University, Edwards is considering further study to develop her interest in multimedia studies. 'Over the years, fantastic teachers have revealed to me how important the profession and education as a whole is, and the lasting, positive impact enthusiastic teachers have on students,' Edwards said. 'Industrial Technology showed me how important digital skills are to thriving in the 21st century – and technology in education became a personal focus for me.' The theory elements of Industrial Technology are important for exam success, Edwards said, as it covers content such as different tools, processes, industry standards and work health and safety. The value of taking breaks during project work can't be underestimated either, as it ultimately improves your result. 'Know when you have reached your limit and take a break – don't push through. You'll return rejuvenated and possibly notice something you missed before,' she said. Edwards reminded this year's HSC students that there is life after the exams. 'The step into the unknown when you leave school is daunting, but when you reach the finish line it isn't as scary as you might anticipate,' she said. 'Regardless of how you perform in the HSC, there are always alternative paths for achieving your goals – that's what my mum always reminded me!' Edwards' top tips for HSC Industrial Technology 'Pester' your teachers: 'They want you to succeed. Talk to them and give them practice papers you've completed, and gain feedback on those.' Master your study skills: 'The writing and planning skills you learn in high school – which are so important in year 12 – are also invaluable for university.' Ensure your folio demonstrates design, management and production skills: 'Don't neglect your folio; it's how you justify your project.' Read the advice from an HSC Industrial Technology marker. Artistically thinking outside the box Pursuing her love of the humanities and creative arts proved a winner for Olivia Zaia, a 2024 HSC High Achiever who earned an ATAR of 99.3. 'Sometimes I doubted Music as a good choice for the HSC, given misunderstandings about scaling. I thought I was going to have to sacrifice a 'good' ATAR for the things I love,' she said. 'I care about challenging that notion that you can't get a good ATAR with creative arts subjects – they've always been my areas of passion and what I've been good at. 'Those two things – effort and passion – really work in tandem. It was my personal investment that contributed to achieving well in those courses,' said Zaia, who was 2024 Dux at St Joseph's Catholic College in East Gosford. Zaia was enrolled in Studies of Religion 2 and chose three English courses, along with Music and Drama. 'It was an opportunity to expand my horizons. I found I had less room to be creative with my thinking in some of the other subjects, but here I was training myself to think outside the box,' she said. Now at the University of Sydney doing a bachelor of media and communications with music as her minor, Zaia is interested in cultural journalism – and dreams of pursuing the creative arts professionally, too. Is there a secret to her HSC success? 'It's really just about effort – there's no magic bullet or study technique that's going to fix all your problems or instantly elevate your work.' That said, she encouraged year 12 students to explore different study techniques. 'It's trial and error. Find what works for you and use that to give it your all. Believe that what you're doing is bettering you as a person and as a student – the results will create themselves if you care about it.' Zaia's tips for HSC Music Blitz practice papers: 'I went absolutely crazy just doing those for weeks.' Develop your active recall: 'Write flash cards and practise with them.' Get messy with mind-maps: 'Have whiteboard brainstorms to familiarise yourself with the theory components, then listen for them in all the music you come across; learn the syllabus by identifying the concepts in real life. It's active learning.' Ciocci set for study and stardom While Jayda Ciocci's family was engrossed in soccer, she spent most of her early childhood mastering Michael Jackson's moves and dreaming of a future on stage. 'I used to put on my black jazz shoes, wrap Band-Aids around my fingers, put on a hat and do the concert from start to finish. I watch it now and can still bust out a whole Smooth Criminal,' said Ciocci, who achieved a Band 6 in 2024 HSC Music. First came dance lessons, then singing (aged eight) and selection for Wollongong High School of the Performing Arts. Next came roles in Southern Stars productions and touring with an ensemble performing at schools. 'You really understood what it was like to work on the road – nine shows in three days. You're up at 4am doing your hair and make-up, and you actually have to bump in and bump out,' she said. 'Being in large arenas is where I feel at peace. I just love the lights, the makeup and the extravagance of it all!' Ciocci also performed in the Schools Spectacular and was among the small group of Music students selected for the HSC showcase, Encore, at the Sydney Opera House this year. 'It's been hard to get an insight into what music could look like as a career because I've grown up thinking it would be something I could do only through high school,' she said. Ciocci deferred enrolment in a bachelor of law and bachelor of psychological science at the University of Wollongong, choosing to chase auditions – she would love to be a recording artist or cast in a musical. 'Being in large arenas is where I feel at peace. I just love the lights, the makeup and the extravagance of it all!' she said. Ciocci's top tips for HSC Music Develop a study routine: 'I'm quite nerdy and I do enjoy study, but it's worth having a good routine.' Record yourself for self-review and feedback. 'As hard as it is, you see yourself performing and you listen to yourself and identify a lot more.' Get to know and adapt your performance piece: 'Really familiarise yourself with your piece and play with it stylistically to best show off your strengths.' Read the advice from an HSC Music marker. Driving ambition from Norfolk Island Completing his HSC on a remote island of just 2000 people didn't slow down Flynn McCowan's drive to succeed. With just 19 classmates in his year at the island's only school, Norfolk Island Central School, McCowan was determined to carve his own path and took on the Automotive vocational education and training (VET) course. 'I was the first person to ever study Automotive at Norfolk. I made sure I always kept my goal in mind, which was going on to complete my automotive Certificate III qualification,' said McCowan, who achieved First in Course for the Automotive exam in the 2023 HSC. 'Throughout year 12, I was working two part-time jobs as well as school, one as a mechanic's assistant. It motivated me and reinforced what I was learning in my VET course.' After graduating, McCowan relocated to Brisbane to start an apprenticeship in light vehicle mechanical technology. Thanks to his VET course, he entered the workforce with his HSC, on-the-job experience and a nationally recognised qualification. McCowan's journey shows that the HSC doesn't have to follow a conventional path – from this year, a student can have results from more than one VET course included in their ATAR. 'Thanks to my VET studies and striving to always do my best, I was accepted into all five of the apprenticeships I applied for in Brisbane,' he said. 'One day I hope to work on performance vehicles.' McCowan's tips for HSC success Keep your 'me' time: 'It's important not to lose yourself. I still went surfing, motorbike riding and stayed active. Hobbies matter!' Study with mates: 'You have gone through school together – support each other. Group study can really help.' Be confident: 'Do your best in every subject, but remember there are many ways to reach your goals.' Visit NESA's website to find out more about changes that now mean you can include more than one VET course with an exam in your ATAR. Building bridges through Aboriginal Studies For proud Gumbaynggirr, Gomeroi and Anaiwan student Jaiah Wallace, the HSC was more than just exams – it was an opportunity to learn, grow and be a part of positive change. Aboriginal Studies was a natural choice for the St Ignatius' College Riverview student, as the course gave him the space to reflect, connect and contribute to truth-telling. 'I spoke with my family, my friends, my teachers or even strangers in the library. Those conversations made me stay grounded,' Wallace said. 'Maintaining social connection and sharing what you learn creates a healthier environment for study and life.' Wallace said Aboriginal Studies is deeply relevant for all Australians, promoting 'engagement with the world's oldest continuing cultures and helping build bridges of understanding and reconciliation'. 'You come out of it more aware, more empathetic, and with a genuine desire to make real change,' said Wallace, who was among a select group of year 12 literary talent published in the Young Writers 2024 anthology. He credits his teacher, Peter McNamara, as a major influence, delivering lessons that extended well beyond the classroom. 'His devotion to the subject and his class showed what true reconciliation looks like in action. He inspired all of us,' said Wallace. Now on a gap year working at a school in London, Wallace will start a bachelor of arts and law at the University of Sydney next year and hopes to major in Indigenous studies. 'To anyone considering Aboriginal Studies, it will shape how you see the world. You'll carry the knowledge and values with you for life.' Wallace's top tips for HSC Aboriginal Studies Get it done early: 'Stay on top of work – it helps ease stress later.' Go the extra mile: 'Listen and pay attention – and ask that question. These classes you will carry with you for life because of the high relevance to everyday life in Australia. You won't regret it.' Work together: 'Support your classmates – you're in it as a team.' Read the advice from an HSC Aboriginal Studies marker. Setting a personal best in PDHPE Striking a balance between studying and enjoying the final year of high school was a challenge Gemma Stevenson faced during her HSC. But with hard work, Stevenson was awarded the 2023 Dux of Northern Beaches Secondary College, Manly Campus, and topped the state in PDHPE. 'I really liked all my subjects, and I think that's why I did so well despite the misconception that PDHPE would bring down my ATAR,' said Stevenson. The syllabus was a tool to exercise her active recall of information. 'I would write everything I knew about a particular syllabus dot point and then, using a different colour, I would fill in the gaps of knowledge and keep doing that until there were no more gaps.' She also compiled a bank of examples to use for extended responses. 'Not only is it important to know the content in PDHPE, you also need to know how it applies in different situations – having a good bank of examples helped with that.' Stevenson expressed gratitude for her support network, particularly her mentor teacher, Ms Elizabeth Lindsay. 'At our school, every year 12 student would pick a teacher to have as their mentor. Ms Lindsay was a saviour – someone to lean on for moral and emotional support,' she said. Now studying a double degree bachelor of science and advanced science at the University of Sydney, Stevenson reminds HSC students of the silver lining. 'Studying is so important – but you shouldn't forget that graduating is such a big milestone and you don't want to regret not participating in all the things that make year 12 so memorable,' she said. 'Once there is a finish line in sight, it will become easier and your efforts will be worth it.' Loading Stevenson's tips for HSC PDHPE Embrace practice papers: 'Complete them in a shorter amount of time than you get in the actual exam to emulate the stress of exam conditions.' Listen to PDHPE podcasts: 'When I needed a break from my desk, I would take a walk outside for fresh air and listen to a podcast on Spotify that goes through the syllabus points.' Keep the balance: 'Make sure to have outlets outside of studying – I did quite a bit of running just to get space away from my phone and technology.' Read the advice from an HSC PDHPE marker. Start the day with a summary of the day's most important and interesting stories, analysis and insights. Sign up for our Morning Edition newsletter.
Newsweek
22-07-2025
- Business
- Newsweek
Some Gen Z Workers Are Quitting Jobs Over 'Sunday Scaries'
Based on facts, either observed and verified firsthand by the reporter, or reported and verified from knowledgeable sources. Newsweek AI is in beta. Translations may contain inaccuracies—please refer to the original content. The "Sunday scaries" have been known to affect employees across the board, but Gen Z appears to have a special sensitivity to the anxiety that can hit right before a new work week. In a new report from roughly one in five Gen Z workers said they actually quit their job over the "Sunday scaries." "This generation is the first to prioritize mental health over wealth," Michael Ryan, a finance expert and the founder of told Newsweek in part. Why It Matters The younger generation, which includes workers up to the age of 28, has quickly earned a bad reputation among employers. A recent report from revealed that one in six businesses said they were hesitant to hire recent college graduates over concerns about how prepared they are for the work, as well as their communication skills and professionalism. And a whopping six in 10 employers had already fired college graduates who were hired in 2024 in September of last year. Woman lying in a hammock and working with a notebook on January 12, 2010 in Varkala near Trivandrum, Kerala, India. Woman lying in a hammock and working with a notebook on January 12, 2010 in Varkala near Trivandrum, Kerala, India. EyesWideOpen/Getty Images What To Know The "Sunday scaries" are having damaging effects on the newest crop of employees. Today, the "Sunday scaries" generally refer to the anxiety and dread that can occur right before the work week begins, usually on Sunday evening. The term first originated on Urban Dictionary in 2009 and has now been a common reference for many workers dealing with high levels of stress and burnout. In the survey of 1,000 Americans, 20.2 percent of Gen Z workers said they had quit a job over the Sunday scaries. And 45.9 percent have considered doing so. Across the larger worker population, one in seven employees said they experienced Sunday anxiety every week, and 11.7 percent have quit a job over it. "This generation is the first to prioritize mental health over wealth," Michael Ryan, a finance expert and the founder of told Newsweek. "They've watched their parents sacrifice for 'job security,' only to face layoffs, recession, and stress-related illness. Gen Z isn't job hopping because they're flaky. They're hunting for alignment. Purpose. Boundaries. If they can't find it? They leave." Gen Z was also more likely to report that their job negatively impacts their mental health, with 71.6 percent indicating their job has at least a somewhat negative effect on their well-being. Meanwhile, only 44.6 percent of millennials, 37.8 percent of Gen X, and just 27.3 percent of Boomers said the same. The top contributors to the Sunday scaries included workload and deadlines (33.1 percent), burnout and exhaustion (23.6 percent) and unrealistic expectations (15.7 percent). Generally, entry-level jobs were the most vulnerable to Sunday anxiety, with 19.6 percent of those workers saying that they feel it every Sunday. "The pressure and workload that is placed upon many in professional positions is increasing and it feels like many young people are being asked to do the work of two or three employees," Matthew Solit, the executive clinical director at LifeStance Health, told Newsweek. "The workplace culture in America does not always favor rest and time away from work, instead favor checking emails while out of office and working long hours. Simply put, the burnout factor is higher, and the youngest generations are seeing it and struggling more to cope." What People Are Saying Michael Ryan, a finance expert and the founder of told Newsweek: "For Gen Z, 'Sunday Scaries' has become a flashing red siren. Warning of burnout, toxic work cultures, and lives out of balance. They're not lazy. They're just not willing to sell their soul for a paycheck that can't cover rent and therapy." Matthew Solit, the executive clinical director at LifeStance Health, told Newsweek: "The 'Sunday Scaries' is a very real phenomenon and at times can be debilitating for anyone in any generation. Gen Z is particularly impacted by it given how fresh this group is in the workforce and the fact that the oldest of this generation is currently 28. For Gen Z and even many millennials, the idea of what life and success in the workforce would look like did not live up to the vision that was projected on them by other generations. Many in this age group find themselves in high-stress and low-return positions that they did not envision." Kevin Thompson, the CEO of 9i Capital and the host of the 9innings podcast, told Newsweek: "The anxiety and profound lack of connection with their current employer brings on the Sunday scaries. Many are feeling overworked and possibly overlooked as the cost of everything increases. I bet there is a significant correlation between job satisfaction and compensation, which many GenZ may feel left behind." What Happens Next Gen Z's reaction to Sunday scaries likely reflects a larger shift in the workforce, where employees are gaining more power, Ryan said. "Older generations asked, 'How can I fit into this job?' Gen Z flips the script by asking 'How does this job fit into my life?' And yes, that makes some employers uncomfortable," Ryan said. "Employers clinging to outdated 9 to 5s and performative wellness perks will hemorrhage true talent. But companies who adapt aka flexible hours, culture, mental health benefits, loyalty will be paid back to them. To me, this is just the pendulum of power swinging back to the workers, not the employers." HR consultant Bryan Driscoll echoed this sentiment. "Quitting over the Sunday scaries isn't retreat - it's acknowledgement," Driscoll told Newsweek. "And it's a red flag for employers. It reflects a workforce that's no longer willing to tolerate toxic cultures, vague expectations, or the erosion of work-life balance. Gen Z is demanding better and if companies don't adapt, they'll keep losing talent."
Newsweek
15-07-2025
- Business
- Newsweek
Gen Z More Likely Than Millennials to Choose Financial Stability Over Love
Based on facts, either observed and verified firsthand by the reporter, or reported and verified from knowledgeable sources. Newsweek AI is in beta. Translations may contain inaccuracies—please refer to the original content. Gen Z was more likely to choose financial stability over love than their millennial elders, according to a new report. While 59 percent of millennials said they would prioritize a "broke and magical" relationship over financial security, only 54 of Gen Z said the same in a new Tawkify survey of 1,000 Americans. Why It Matters Both millennials and Gen Z have faced their fair share of financial challenges, including skyrocketing costs of higher education, student loan debt, an increasingly unaffordable housing market and surging inflation on everyday necessities. However, Gen Z may be a bit more cash strapped than millennials. New survey data from Empower reported that Gen Z participants pay an average of $526 per month toward student loans, significantly above the overall average payment of $284 for all age groups. A couple sits at an outdoor restaurant on Memorial Day weekend on May 29, 2021 in New York City. A couple sits at an outdoor restaurant on Memorial Day weekend on May 29, 2021 in New York To Know Roughly 46 percent of Gen Z said they would choose long term financial stability over romantic love in 2025, compared to just 41 percent of millennials. "Millennials have been through more, they've had time to explore love, make mistakes, and go through breakups," Kevin Thompson, the CEO of 9i Capital Group and the host of the 9innings podcast, told Newsweek. "Gen Z, on the other hand, came of age during economic chaos. Many of them have only known the broke experience, so it's no surprise that financial stability ranks higher on their list. They're trying to avoid what they've seen; the struggle, stress, and survival mode." Across the larger population, Americans were far more likely to choose love over monetary success. The survey reported that around two in three Americans, or 63 percent, would marry for love even if it meant a lifelong financial struggle. Older generations were generally more skeptical of the power of love over finances, with only 48 percent of baby boomers and 46 percent of Gen X likely to prioritize love over financial security. That potentially makes Gen Z's inclination for financial security over love beyond millennials' indicative of larger economic trends they are facing in their personal lives, experts say. Gen Z has been stereotyped as often glued to social media, where they are presented with certain depictions of celebrity and influencer wealthy lifestyles. And since Gen Z came of age during the 2020 recession, they watched millennials get crushed by housing costs, gig economy, and endless "experiences over things" mantras that left bank accounts empty, said Michael Ryan, a finance expert and founder of "Gen Z isn't choosing money over love," Ryan told Newsweek. "They're choosing survival. Why? Because they've watched their older siblings drown in student debt while Instagram-perfect couples split over Venmo requests." Women were also more likely to choose love over money in the report, with 58 percent saying they'd prioritize the "broke and magical relationship" over financial security, whereas just 51 percent of men said the same. The exact financial situation daters are looking for in a partner varies by generation. Gen X and baby boomers said their ideal partner would have an average salary of $115,000, while millennials and Gen Z said $100,000 and $80,000 respectively. What People Are Saying Brie Temple, COO and chief matchmaker at Tawkify, told Newsweek: "They don't think of it as being cold, they think of it as being clever. It's a pragmatic attitude born out of a struggling economy and an actual fear of repeating the mistakes of the past. Long term, this may cause more people to put relationships, marriage, or even having children on hold, not because they don't want them, but because they don't feel prepared. Gen Z isn't abandoning love; they just need to be in a good spot before they take the leap." Kevin Thompson, the CEO of 9i Capital Group and the host of the 9innings podcast, told Newsweek: "Longer term, this shift in priorities could have real consequences—delayed marriages, fewer kids, and relationships that are more transactional than emotional. You're already seeing younger women having children with older men, and divorce rates creeping up. It's all tied to a larger economic reality: love is still important, but financial peace of mind is becoming the non-negotiable." Alex Beene, a financial literacy instructor for the University of Tennessee at Martin, told Newsweek: "This may come as no surprise, as the Millennial generation typically gets labeled as being one that favors experiences over consumer goods and activism over comfort. With Gen Z, we've seen this thinking revert back to prior generations that favored financial stability over other traits a relationship could carry with it. A society with more financial stability is a good one not just for the overall economy, but the finances of individual households." Michael Ryan, a finance expert and founder of told Newsweek: "Gen Z has seen what happens when you choose the charming barista over the boring accountant, eviction notices and ramen diets... A 'broke and magical' relationship hits different when gas is $3.50 and groceries cost $200 weekly. Gen Z understands that love doesn't pay rent." Dr. Wendy Walsh, a relationship expert for and psychology professor at California State University Channel Islands, told Newsweek: "Gen Z is the building generation. They are still building their lives and acquiring stuff. These young people are sharing rented apartments with roommates or still living in their parents' homes. Financial security is associated with freedom for Gen Z." What Happens Next Ryan said the generational shift is likely to reshape dating culture, where compatible credit scores are more likely to attract each other. "Expect delayed partnerships until financial stability is achieved, financial compatibility replacing 'spark' as the primary filter," Ryan said. "Romance isn't dead. It's just got better financial planning."
Newsweek
09-07-2025
- Business
- Newsweek
Credit Card Debt Is Actually Down Despite Breaking Records
Based on facts, either observed and verified firsthand by the reporter, or reported and verified from knowledgeable sources. Newsweek AI is in beta. Translations may contain inaccuracies—please refer to the original content. Credit card debt in the United States reached a new nominal record in May, with balances totaling $1.31 trillion. However, when adjusted for inflation, the current total remains below the all-time high recorded in 2008, according to analysis of the latest data from WalletHub. Why It Matters Although the $1.31 trillion headline figure appears alarming, the context provided by inflation-adjusted analysis reveals that today's burden is $113 billion below the 2008 peak. This distinction comes at a time when millions of Americans are struggling to manage day-to-day expenses and keep up with steep credit card interest rates, which averaged 28.6 percent in early 2025 compared to banks' sub-4.5 percent borrowing rates from the Federal Reserve. U.S. households have steadily increased their reliance on credit cards since 2021, driven by a combination of inflation, stagnant wages and, for some, inadequate social safety nets. The share of cardholders making only minimum payments reached a historic high of 10.75 percent in the third quarter of 2024, reflecting elevated financial pressures for many families. In this photo illustration, the Visa, Mastercard and American Express logos on various credit and debit cards are seen atop a U.S. $1 bill on February 4 in Somerset, England. In this photo illustration, the Visa, Mastercard and American Express logos on various credit and debit cards are seen atop a U.S. $1 bill on February 4 in Somerset, To Know While credit card debt for May 2025 technically set a record, topping May 2024 by 3 percent, it actually marks an 8 percent decline from the record for that month and is only 0.3 percent higher than last year when adjusted for inflation. "Sure, the headlines scream 'RECORD DEBT!' but that's like saying people are taller than ever without mentioning we're also eating better and living longer," Michael Ryan, finance expert and founder of told Newsweek. "The US job market remains solid and wage growth is beating inflation, which means people are managing their debt while their paychecks are actually keeping up with rising costs." Still, the reported increase in credit card balances has prompted renewed debate among lawmakers and economic experts over Americans' financial health and the impact of rising interest rates amid persistent inflation. "It's still a wealth killer, no question," Ryan said. "The long-term impact isn't as scary when you consider that people are more savvy about balance transfers, debt consolidation, and actually reading those credit card terms. We're not the same financially naive country we were seventeen years ago." The growing burden has led lawmakers to propose new restrictions on lending rates. A bipartisan bill introduced by independent Senator Bernie Sanders of Vermont and Republican Senator Josh Hawley of Missouri in early 2025 seeks to cap credit card interest rates at 10 percent over the next five years. "We cannot continue to allow big banks to make huge profits ripping off the American people," Sanders said. "This legislation will provide working families struggling to pay their bills with desperately needed financial relief." With Americans using credit cards to cover medical costs, everyday living expenses, and even funeral bills, experts and lawmakers alike have highlighted the link between debt, mental health challenges and diminished well-being. What People Are Saying Ryan also told Newsweek: "Everyone's freaking out about hitting $1.3 trillion in credit card debt, but it's like being scared of a shadow that's actually smaller than it used to be. Americans' total credit card balance is $1.2 trillion as of the first quarter of 2025, and when you adjust for inflation, we're actually carrying less debt burden than we were back in 2008. It's kinda like how your grandpa's dollar used to buy way more candy. Today's trillion isn't yesterday's trillion." Alex Beene, financial literacy instructor for the University of Tennessee at Martin, told Newsweek: "During the pandemic era, we saw Americans pay off more of their debt and enhance their savings. In the years following it, though, inflationary pressures have caused more spending on credit cards, and levels now are close to the all-time highs in 2008." What Happens Next Lawmakers are set to debate the bipartisan proposal to cap credit card interest rates in 2025. For Americans who accumulate more debt and delay paying it off, there's likely to be long-term financial hardship, Beene said. "Thankfully, the job market is still robust and strong enough to support the incomes of most Americans, but it does create an ominous picture if we do finally start to see a higher unemployment rate as to all that debt going unpaid and more being acquired," Beene said.
