Whenever you attend college or an authorized advanced schooling provider, you may get a HECS-HELP loan to cover your studies. You’ll just obtain a loan that is hecs-help you might be signed up for a Commonwealth supported destination (CSP).

A HECS-HELP loan doesn’t protect prices like accommodation, laptop computers or text publications.


Your provider shall assess your eligibility for the HELP loan contrary to the criteria below. When you yourself have any relevant concerns, please contact your provider.

To have a loan that is hecs-help you must:

  • be learning in a Commonwealth supported spot.
  • be an Australian citizen and meet the residency requirements (you must study at part that is least of one’s program in Australia).
  • be a New Zealand Special Category Visa (SCV) owner or permanent visa that is humanitarian and meet with the residency demands.
  • submit the request Commonwealth help and HECS-HELP form to your provider by the census date.
  • be signed up for each unit/subject at your provider by the census date.
  • not need already lent as much as your HELP loan limitation.

Simply how much may I borrow?

You’ll borrow up to the combined HELP limitation to pay for your tuition charges. This consists of all FEE-HELP, VET FEE-HELP and Vet student education loans and any HECS-HELP loans incurred from 1 January 2020.

When you go with your HELP loan limitation, the total amount of ASSISTANCE you have remaining to borrow is called your available ‘HELP stability’.

For 2020, the HELP loan restriction is $106,319. In the event that you want to study medication, dentistry or veterinary technology ultimately causing initial speedy cash login enrollment, or qualified aviation courses the HELP loan limitation is $152,700.

Your HELP stability is renewable. Any compulsory or voluntary repayments beginning with the 2019-20 income 12 months will top up a person’s HELP balance.