FEE-HELP: Study now, pay later

Posted June 9, 2020, by Career FAQs team

What is FEE-HELP?

FEE-HELP is a loan scheme to help students pay all, or part, of their tuition fees. You can only access FEE-HELP if you’re planning to study at a university or other private higher education institution that has been approved to offer FEE-HELP to eligible students.

Am I eligible?

You must:

  • Be enrolled in an eligible unit of study, offered by an approved FEE-HELP provider, by the census date; AND
  • Be an Australian citizen undertaking one unit of study in Australia; OR
  • Be a permanent humanitarian visa holder, residing in Australia for the duration of your unit; OR
  • Be a permanent visa holder undertaking bridging study for overseas-trained professionals, and residing in Australia for the duration of study.

When do I starting paying back

You’ll start repaying your HELP debt once your taxable income reaches the compulsory repayment threshold. This threshold is adjusted every year.

The threshold for the 2021-22 income year is $47,014.

How much can I borrow?

In 2021-22 financial year you can borrow up to $108,232 under the FEE-HELP scheme. For students studying medicine, dentistry and veterinary science courses, the FEE-HELP limit is $155,448.

Disclaimer: This information is correct at the time of publishing, but is subject to change under the current government’s higher education reforms. The figures provided are applicable for the 2020-21 financial year only. For more information, visit StudyAssist [www.studyassist.gov.au].

2021-2022 HELP Debt Repayment Thresholds
2021-2022 Income Earned Repayment % Rate
Below $47,014 NIL
$47,014 – $54,282 1.0%
$54,283 – $57,538 2.0%
$57,539 – $60,991 2.5%
$60,992 – $64,651 3.0%
$64,652 – $68,529 3.5%
$68,530 – $72,641 4.0%
$72,642 – $77,001 4.5%
$77,002 – $81,620 5.0%
$81,621 – $86,518 5.5%
$86,519 – $91,709 6.0%
$91,710 – $97,212 6.5%
$96,397 – $102,179 7.0%
$103,047 – $109,227 7.5%
$109,228 – $115,781 8.0%
$115,782 – $122,728 8.5%
$122,729 – $130,092 9.0%
$130,093 – $137,897 9.5%
$137,898 and above 10.0%

To get started with your FEE-HELP application, or for more information, you can head to the StudyAssist website.

Browse through our range of online courses that are covered by FEE-HELP.

Career FAQs team

AIM Business School
All Health Training
Australasian College of Health and Wellness
Australian College of Physical Education
Australian Institute of Business
Australian Institute of ICT
Australian Institute of Management Education and Training
Australian Institute of Personal Trainers
Builders Academy Australia
Building and Construction Training Australia
College for Adult Learning
Deakin University
Ducere Global Business School
Edith Cowan University Online
Endeavour College of Natural Health
Foundation Education
General Assembly
Griffith University
Hammond Institute
Industry Skills Training
James Cook University Online
La Trobe University
La Trobe University Online (Delivered by Didasko)
MCI Institute
Mentor Education
Monarch Institute
Nepean Industry Edge Training
Onfit Training College
Open Colleges
RMIT Online
The Hotel School
TrainSmart Australia
UNE Partnerships
University of Adelaide
UNSW Online
UTS Online
Victoria University Online
Torrens University
University of East London
University of Mauritius
University of New England
University of Wales Trinity Saint David
Integrated Care & Management Training (ICMT)
Open Colleges School of Health
HTMi Australia
Southern Cross University