@jde12 ...hello welcome sa forum in behalf of aolee our admin at saka sa mga seniors plus moderators here ...at welcome na rin from us na kasama mo dito....regarding sa pag apply ng pr dito sa OZ you can be qualified to do so if naka 60 migration points ka try to check on this link as a guide:
http://accountingprofessionalyear.com.au/point-test/
then as you mentioned wala sa SOL ang occupation nyo then the other option would be the CSOL which is intended for those occupations na wala sa SOL but here you need an employer to sponsor you.....so suggest ko sa iyo na masters would be a better option comparing to tafe or bachelors for the following reasons:
unlimited work rights mo or ur hubby if masters ang primary visa holder (limited to 40 hrs forthnight if tafe/vocational and bachelors degree)
with regard to the tuition fees hindi masyado kalayuan ang TF ng bachelors at masters pero malaki ang diperensya pag unlimited ang isa sa inyo...mag makakaipon kayo pangtuition ninyo....hope this helps...good luck sis/bro