Its certainly not for everyone GB. We arrived in Adelaide in July, and i know theres skype and all that, but you just cant beat giving your old mom & dad a hug & kiss. If you look at this as a mistake it is always going to feel bad, i try and think about the positives, stuff like never having to scrape 3mm of ice off my windscreen in the dark freezing mornings, bragging about endless BBQ's to my friends back home. Dont think you can renaige on the loans, i think your credit history might follow you back. Had the 'UK blues' about 3 mths in, but really starting to settle and love it here now. Hope this helps!