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Government study loans

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About Government study loans

Government study loans are designed to help eligible Australian citizens access higher education and vocational training without paying full fees upfront. Depending on your course level, provider, and residency status, you may be able to access one of several loan schemes:

  • HECS-HELP – for Commonwealth supported students undertaking undergraduate university degrees.
  • FEE-HELP – for full-fee paying students in approved higher education courses.
  • VET Student Loans (VSL) – for students in eligible diploma-level and above vocational education and training (VET) courses.

These loans allow you to defer part or all of your tuition fees and repay the amount through the Australian tax system once your income exceeds the mandatory threshold. Repayments are income-contingent, and loan limits or caps may apply depending on your chosen scheme.

Not all education providers and courses are eligible, so it’s important to check with your provider and confirm if your intended course qualifies under a government loan scheme. To explore current thresholds, caps, and eligibility, visit the Australian Government’s StudyAssist website.

Frequently Asked Questions

What types of government study loans are available in Australia?

Australian students can access HECS-HELP (for Commonwealth-supported places), FEE-HELP (for full-fee paying higher education), and VET Student Loans (for vocational courses). Each has specific eligibility requirements and repayment conditions. Visit StudyAssist for full details.

Do government study loans cover all course fees?

Not always. While most tuition is covered, there may be upfront costs such as student services fees, materials, or placement costs. Always check with the provider for a full fee breakdown.

How and when do I repay a HELP or VET Student Loan?

Repayments begin once your income exceeds the minimum repayment threshold, which is updated annually. Repayments are automatically managed through the tax system. See the current threshold at ato.gov.au.

Can international students apply for government study loans?

No, only Australian citizens and some holders of humanitarian visas are eligible. Permanent residents and most international students are not eligible for HELP or VET Student Loans.

What happens if I withdraw from a course after receiving a study loan?

If you withdraw before the census date, you won’t incur a debt. After the census date, the loan is still repayable unless special circumstances apply. Review your course’s census dates carefully.