Government loans for students

For: 

Australian citizens, permanent humanitarian visa holders and students can access Government loans including HECS-HELP, FEE-HELP, SA-HELP and OS-HELP to assist them in paying for their tuition fees, overseas study expenses, student services and amenities fees, providing they meet all the eligibility requirements.

The Australian Government has announced a range of reforms to improve the higher education sector. These reforms will deliver a more sustainable sector, more choices for students and increase transparency and accountability in higher education. For more information visit the Higher Education Reform Package webpage.

Commonwealth supported place

A Commonwealth supported place (CSP) is a subsidised place at University*. The Government subsidises a Commonwealth supported place by paying part of the fees directly to the provider and the Commonwealth supported student pays the reminder of the fees through a 'student contribution'.

*CSPs are available at all public Universities and a few private higher education provides in some national priority areas.

HECS-HELP

Australian citizens and permanent humanitarian visa holders enrolled in a Commonwealth supported place can access a HECS-HELP loan to pay their student contribution amount, providing they meet all of the eligibility requirements.

FEE-HELP

Australian citizens and permanent humanitarian visa holders enrolled in full fee paying places at approved higher education providers may access a FEE-HELP loan to pay their tuition fees, providing they meet all the eligibility requirements.

SA-HELP

Australian citizens and permanent humanitarian visa holders can access a SA-HELP loan to pay their student services and amenities fee.

OS-HELP

Australian citizens and permanent humanitarian visa holders enrolled in an undergraduate Commonwealth supported place can access an OS-HELP loan to pay some of their overseas study expenses, providing they meet all the eligibility requirements.

From 1 January 2017 VET FEE‑HELP will cease and VET Student Loans will commence. For more information visit VET Student Loans.