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The Department of Education acknowledges the traditional owners and custodians of country throughout Australia and their continuing connection to land, waters and community. We pay our respects to them and their cultures, and Elders past and present.

  • Starting study: the basics

    • Starting or continuing study

      Higher education: overview
    • Getting into higher education
    • Postgraduate and returning to study

    • Courses and providers

      Compare courses
    • Providers offering Commonwealth assistance

    • Important basics

      Your USI / CHESSN
    • Your Tax File Number (TFN)
    • Key dates and terminology
    • Indexation and loan increases
  • Financial and study support

    • Government subsidies

      Commonwealth supported places (CSPs)
    • Student contribution amounts
    • Student learning entitlement (SLE)

    • Loans

      How student loans work
    • HECS-HELP
    • FEE-HELP
    • SA-HELP
    • OS-HELP and overseas study
    • STARTUP-HELP
    • HELP Publications
      • 2024 Commonwealth supported places and HECS-HELP information booklet
      • 2024 CSP and HECS-HELP fact sheet
      • 2024 FEE-HELP information booklet
      • 2024 FEE-HELP fact sheet
      • 2024 OS-HELP statement of terms and conditions
      • 2024 OS-HELP fact sheet
      • 2024 SA-HELP information booklet
      • 2024 SA-HELP fact sheet
      • 2024 STARTUP-HELP information booklet
      • 2024 STARTUP-HELP fact sheet
      • 2025 CSP and HECS-HELP fact sheet
      • 2025 Commonwealth supported places and HECS-HELP information booklet
      • 2025 FEE-HELP fact sheet
      • 2025 FEE-HELP information booklet
      • 2025 OS-HELP fact sheet
      • 2025 OS-HELP statement of terms and conditions
      • 2025 SA-HELP fact sheet
      • 2025 SA-HELP information booklet
      • 2025 STARTUP-HELP fact sheet
      • 2025 STARTUP-HELP information booklet
    • Obligations and rights

    • Other support

      Tailored support for students with unique needs
    • Scholarships
    • Student income support
    • Student advocacy
    • Support for Students Policy
  • Loan eligibility

    • Eligibility basics

      Eligibility: Overview
    • Australian citizens
    • Non-Australian citizens
    • Eligibility FAQs

    • Loan limits and deadlines

      Your borrowing limit
    • Loan deadlines
  • Loan application

    • How to apply

      Application process: Overview
    • Electronic Commonwealth Assistance Form (eCAF)
    • Application FAQs

    • After submitting your application

      Checking your application status
    • Changes or corrections to your application
  • Managing and repaying your loan

    • Paying back your loan

      Loan repayments
    • Checking your HELP debt?
    • Moving overseas
    • Facing financial hardship

    • Understanding increases & charges

      Loan increases and indexation
    • Commonwealth Assistance Notices (CAN)
    • Incorrect charges
    • Making a complaint

    • Changing your loan

      Switching courses or providers
    • Withdrawing from study
    • Cancel your HELP debt under 'Special Circumstances'
    • Reducing HELP debt for very remote teachers
    • Noticed changes to your HELP debt at the ATO?
    • Reducing HELP Debt for rural and remote doctors and nurse practitioners
  • About StudyAssist
  • FAQs
  • Contact us
  • For providers