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HELP Loans and CSPs

Important notice 2018 Student Loan Sustainability Bill

The 2018 Student Loan Sustainability Bill contains a number of measures that affect Higher Education and Vocational Education and Training students.

From 1 January 2020, a combined HELP loan limit will replace the FEE-HELP limit and will include FEE-HELP, VET Student Loans, VET FEE-HELP and HECS-HELP.

Only new HECS-HELP borrowing will count towards a person's HELP limit. This means that any HECS-HELP loans taken out before 2020 will not count towards the new HELP limit.

Any FEE-HELP, VET FEE-HELP or VET Student Loans that counted towards your FEE-HELP limit will count towards the new HELP limit.

From the 2019- 20 income year, you can top up your HELP balance by making repayments on your loan.

Repayments starting from the 2019-20 income year will top up a person's HELP balance.

Any compulsory or voluntary repayments can be re-borrowed in the future, up to the then current HELP loan limit.

Government loans and subsidised places

The Government administers the Higher Education Loan Program (HELP) which consists of four HELP loans schemes and the VET Student Loans program to assist students with the cost of their fees. The right loan for you will depend on your circumstances, eligibility and where you want to study.

If you are studying at university or at an approved private higher education provider you will be offered either a Commonwealth supported place or a fee paying place. If you are studying at an approved VET provider you will be enrolled as either a state subsidised student or fee paying student.

Commonwealth supported place is subsidised by the Government so that students are only required to pay a ‘student contribution’ amount rather than tuition fees.

HECS-HELP is a loan scheme to help eligible Commonwealth supported students to pay their student contribution amounts through a loan or upfront discounts. Before 2005, this was known as ‘HECS’.

FEE-HELP is a loan to help eligible fee paying students to pay their tuition fees.

SA-HELP is a loan that assists eligible students to pay for all or part of their student services and amenities fee.

OS-HELP is a loan to help eligible Commonwealth supported students pay their overseas study expenses.

VET Student Loans is a loan program that helps eligible students enrolled in certain higher-level vocational education and training courses at approved course providers to pay their tuition fees. VET Student Loans replaced the VET FEE-HELP loan scheme from 1 January 2017.

VET FEE-HELP was a loan to help eligible students enrolled in higher-level vocational education and training courses at approved VET providers to pay their tuition fees.The VET FEE-HELP scheme ceased on 31 December 2016. All existing students will be provided the opportunity to continue accessing VET FEE-HELP and will be contacted by the Department of Education and Training to opt-in to VET FEE-HELP using an online form. For more information about opting-in, students should refer to: www.education.gov.au/vet-student-loans/vet-fee-help-opt-in.

International students

Deadlines and withdrawals

Keeping track of your HELP debt while you study.

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