That's $5000 better than a lot of people. Stop whinging.
Going to university costs money. It involves sacrifices (whether monetary, or time in terms of transport). Get used to it.
Depends on the ability of your cohort. That's why there's scaling and aligning and stuff like that, to create a fairly accurate comparison between schools AND subjects.
Re: HSC Exams coming soon?
I wouldn't focus too much on it. One block at a time. at the moment, you should be focusing on your upcoming exams, whether they be Half Yearly or term exams or whatever.
How would we know? We don't know you. We don't know your strengths, we don't know your weaknesses. Noone on this site can give you a proper response to that question.