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FEE-HELP: Study now, pay later

Posted July 10, 2015, 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 2019-20 is $45,881.

How much can I borrow?

In 2019 you can borrow up to $104,440 under the FEE-HELP scheme. For students studying medicine, dentistry and veterinary science courses, the FEE-HELP limit is $150,000.

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 2019-20 financial year only. For more information, visit StudyAssist [www.studyassist.gov.au].
2019-2020 Repayment rates
2019-2020 Repayment ratesRepayment % rate
Below $45,881NIL
$45,881 – $52,9731.0%
$52,974 – $56,1512.0%
$56,152 – $59,5212.5%
$59,522 - $63,0923.0%
$63,093 - $66,8773.5%
$66,878 - $70,8904.0%
$70,891 - $75,1444.5%
$75,145 - $79,6525.0%
$79,653 - $84,4325.5%
$84,433 - $89,4986.0%
$89,499 - $94,8686.5%
$94,869 - $100,5607.0%
$100,561 - $106,5937.5%
$106,594 - $112,9898.0%
$112,990 - $119,7698.5%
$119,770 - $126,9559.0%
$126,956 - $134,5729.5%
$134,573 and above10%

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

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