What should you expect from your higher education provider? What is expected of you as a student?

Your Higher Education Loan Program (HELP) debt is repaid through the tax system.

OS-HELP is a loan from the Australian Government for students enrolled in a Commonwealth supported place (CSP) who want to study part of their course overseas.

The Student Learning Entitlement is the amount of time a student can study in a Commonwealth supported place (CSP). 

The Universities Accord (Cutting Student Debt by 20 per cent) Bill 2025 has now passed Parliament.

Where you can find information on higher education loans and support.

This booklet is about Commonwealth supported places (CSPs) and the HECS-HELP (also known as HECS) loan from the Australian Government to pay your student contribution amounts.

This booklet is about FEE-HELP, a loan from the Australian Government to pay all or part of your fees when you study a higher education course at an approved higher education provider.

This booklet is about SA-HELP, a loan from the Australian Government to help you pay your higher education provider’s student services and amenities fee (SSAF).

Once you have a Higher Education Loan Program (HELP) loan you need to know how to manage it.