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Government assistance for fees (HELP)

The Australian Government offers a range of loans to help meet the costs of studying at university, Vocational Education and with private training organisations.

For more information, please view the video outlining what loans are available.

 

VET FEE-HELP

VET FEE-HELP is a Commonwealth Government loan through which you can defer the payment of your tuition fees. When your income reaches a certain repayment threshold (see www.studyassist.gov.au for the current threshold) the debt is repaid through the tax system. VET FEE–HELP does not cover any amenities or materials fees, accommodation or living expenses.

Below is a video about VET FEE-HELP.



Who is eligible for VET FEE-HELP?

You are eligible for VET FEE-HELP if you are enrolled in a VET FEE-HELP eligible course, and you are:

  • an Australian citizen; or
  • the holder of a permanent humanatarian visa who is a resident in Australia for the duration of your unit.

How do I apply for VET FEE-HELP?

  • Read the VET FEE-HELP Information Booklet.
  • To apply for VET FEE-HELP assistance, go to ‘Help assistance’ under ‘Manage my course’ on the Current Students page.
  • Provide your Tax File number (TFN). Applications for tax file numbers are available from the Australian Tax Office website.
  • Provide proof of citizenship if requested. Proof includes a certified copy of your Australian birth certificate, current Australian passport or an Australian citizenship certificate.

Loan fee

While there is no interest charged on the loan, a loan fee of 20% applies if you are a full fee student and this is added to your VET FEE-HELP debt.

HECS-HELP

HECS-HELP is a loan and discount scheme available to eligible students enrolled in a Commonwealth Supported Place. A HECS-HELP loan can cover all or part of the student contribution amount. When your income reaches a certain repayment threshold (see www.studyassist.gov.au for the current threshold) the debt is repaid through the tax system.

If you receive a HECS-HELP loan, the Australian Government pays the loan amount directly to Swinburne on your behalf. A HECS-HELP debt is recorded for you with the Tax Office against your Tax File Number.

Who is eligible for HECS-HELP?

You are eligible for HECS-HELP if you are:

  • an Australian citizen and studying at least one unit of your course of study in Australia; or
  • the holder of a permanent humanitarian visa and will be resident in Australia for the duration of your unit.

Types of HECS-HELP assistance

There are two types of HECS-HELP assistance available to eligible Commonwealth supported students.

  • pay all of your student contribution amount upfront and get a 10% discount;
  • receive a HECS-HELP loan for the full student contribution amount; or
  • pay some of your student contribution upfront and receive a HECS-HELP loan for the remainder of your contribution and get a 10% discount for payments over $500.

There is no limit to the amount you can borrow under the HECS-HELP scheme.

If you are not eligible for HECS-HELP, you are required to pay your full student contribution amount upfront without a discount.


How do I apply for HECS-HELP?

  • Fill out a 'Request for Commonwealth Support and HECS-HELP' form when you enrol online or through the HELP assistance tab via the 'Manage my course' section on the Current Students webpage, before the Census date for your course.
  • Pay your full student contribution amount upfront, or provide your Tax File Number (TFN) by the Census date in order to have part or all of your student contribution deferred.

Note: If you do not supply your TFN and you do not pay your student contribution upfront by the Census date, your enrolment will be cancelled.

If you do not have a TFN, you will need to obtain one from the Australian Tax Office website.


New Zealand citizens & holders of permanent visas

If you are a New Zealand citizen or holder of a permanent visa (except permanent humanitarian), you must pay all of your student contribution amounts for all the units on or before the Census date.

Please note you are not:

  • Eligible for any HECS-HELP assistance.
  • Allowed to change your payment option unless you become an Australian citizen.

Note: If you do not pay all of your student contribution amount for all your units in a teaching period on or before the Census date, your enrolment will be cancelled

FEE-HELP

FEE-HELP is a loan given to eligible full fee paying Higher Education students to help pay part or all of their tuition fees. The Commonwealth Government pays the amount of the loan directly to Swinburne. Students repay their loan through the tax system once their income is above the minimum threshold for compulsory repayment.

FEE-HELP is available to all eligible fee paying students.


Who is eligible for FEE-HELP?

To be eligible for FEE‐HELP assistance for a unit of study, you must be:

  • an Australian citizen and studying at least one unit of your course of study in Australia; or
  • a holder of a permanent humanitarian visa and will be a resident in Australia for the duration of your unit; or
  • a holder of a permanent visa and is undertaking bridging study for overseas trained professionals and will be a resident in Australia for the duration of your unit.

Holders of permanent visas and New Zealand citizens who do not meet the criteria are not eligible for FEE‐HELP.


How do I apply for FEE-HELP

  • Read the FEE-HELP Information Booklet.
  • To apply for FEE-HELP assistance, go to ‘Help assistance’ under ‘Manage my course’ on the Current Students page.
  • Provide your Tax File number (TFN).
  • Provide proof of citizenship if requested. Proof includes a certified copy of your Australian birth certificate, current Australian passport or an Australian citizenship certificate.

Note: If you do not supply a TFN and you do not pay your student contribution upfront by the Census date, then your enrolment will be cancelled.


FEE-HELP Limit

You can borrow up to the amount of the tuition fee for your unit of study. However, over your lifetime you can borrow only up to the FEE-HELP limit. See the FEE-HELP Information Booklet for more information.


Loan Fee

While there is no interest charged on the loan, a loan fee may apply.

Undergraduate

A loan fee of 25 percent applies to FEE-HELP loans for undergraduate courses of study. The FEE-HELP limit does not include the loan fee.

Postgraduate, OUA or bridging study for overseas trained professionals

No loan fee applies to FEE-HELP loans for postgraduate, OUA or bridging courses for overseas-trained professionals or enabling courses.

OS-HELP

What is OS-HELP?

OS-HELP is a loan scheme to assist eligible undergraduate students to undertake some of their Australian course of study overseas. Students may receive one loan per six-month study period for one or two overseas study periods.

OS-HELP is not available to students undertaking their whole course outside Australia.

The amount you borrow will be added to your HELP debt and will be repayable under the same conditions as the HELP debt.

The above provides all the criteria for your eligibility.


How do you apply for OS-HELP?

You must apply to Swinburne Study Abroad for an OS-HELP loan see OS Help Application forms.

Swinburne may set a minimum loan amount and you cannot receive more than the maximum OS-HELP amount for a given six-month period which for 2014 is as follows:

  • Non-Asia destinations - Up to $6,250 (indexed to inflation) for a 6 month study period.
  • Asia destinations - Up to $7,500 (indexed to inflation) for a 6 month study period.
  • An additional $1,000 if you will be undertaking Asian language study in preparation for study in Asia.

The loan amount is added to your existing HECS debt, indexed accordingly, and will have the same repayment conditions as that debt.

The loan rate normally increases annually with the CPI.

There is no loan fee.

Swinburne will contact you about whether your application for OS-HELP has been successful.

You will not receive your OS-HELP loan until you sign and submit the OS-HELP debt Confirmation form (1291). You must not sign the form until you have read the OS-HELP statement of terms and conditions booklet and the OS-HELP support for overseas study brochure.

SA-HELP

SA-HELP is a loan given to eligible Higher Education fee paying students completing an undergraduate or postgraduate course. The Student Services and Amenities annual fee is used to support non-academic student services such as sporting and recreational services, career advice, childcare, financial advice and food services. The Commonwealth Government pays the amount of the loan directly to Swinburne. Students repay their loan through the tax system once their income is above the minimum threshold for compulsory repayment.


Who is eligible for SA-HELP?

To be eligible for SA‐HELP assistance for a unit of study, you must be:

  • an Australian citizen; or
  • a holder of a permanent humanitarian visa who will be resident in Australia for the duration of the unit.

Holders of permanent visas and New Zealand citizens who do not meet the criteria are not eligible for SA‐HELP.


How much can I borrow?

At Swinburne you have the option to defer the full amount or pay the full amount of your Student Services and Amenities fee, providing you do this by the ‘payment due date’ as stipulated on your Statement of Account. Your Statement of Account can be viewed via My financials within the ‘Manage my course’ section on the Current Students webpage.


How do I apply for SA-HELP?