I did some research too.Anyone is free to correct me. So subclass 500 have two categories the lower risk and the higher risk just like the assessment levels. The lower risk is like the subclass 573 SVP which doesn't require a show money just a declaration that the person going have the financial capacity to support his/her studies. Subclass 573 is for those getting a bachelor, doctoral ets degree. With this visa, my expenses include the following one term tuition, travel expenses, oshc and other expenses prior to lodging of visa. On the other hand, for those with higher risk includes those who will take vocational courses,bridging for nurses etc which is subclass 572 that requires the living cost for 12 months(show money),travel expenses etc.