I know this post is old, but I think everyone should be aware of how great it is to complete a cert 3 for free at Tafe (with the option of doing it online concurrently with your studies).
In NSW it is called Financial Services - Accounts Administration and you can even pick it up in Year 12 if you drop too many subjects and need more units. Can choose to do the HSC examination or not - depending on whether you want it to count to your ATAR (wouldn't hurt to count it). 10/10 recommend to anyone remotely interested in finance or getting a job when they leave high school!!