that's another way to do it. but try to see the requirements u need to submit to the NZ embassy for student visa diba ma-kutatan ka! they wud look for ur financial status na makaya nimo e-handle ang finances without the help of student loan sa government nila. then, u have to prove pod u have a school that accepted u there! but if u dont have financial limitations or u got a family who cud help u there....then y not diba? read the fine lines first...i suggest!