I'm in a similar predicament. Harvey Norman sells the student version or at least I have seen it advertised in Mackay. As a teacher I can buy it through the education department, online or apparently from Harvey Norman.
My issue is which one to buy. Someone suggested I get lightroom and others have said CS5, I dont think I can stretch the budget to the extended version though. I'm in the process of downloading free trials of each and then making my decision. Need to get it soon as hopefully I wont be a teacher for much longer
I'm in the same mind as you Karen and would prefer it on disk. Is it because then you have a backup if something goes wrong?
But if you download you can make a copy of the download before you install
David
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Lumix G6 with 14-140mm lens.
RAW post work done with Aperture 4 with image size done in CS5