What are the fees you need to pay?
Your tuition fees cover the basic cost of delivering your nationally recognised Swinburne course.
If you are a local student offered a Commonwealth Supported Place (CSP), your tuition fees are made up of two parts: a portion subsidised by the Australian Government (you don’t need to pay this back), and your own student contribution (most students use a HECS-HELP loan to pay this).
Students not offered a CSP can still enrol on an upfront fee-paying basis.
You will also need to pay the Student Services and Amenities Fee (SSAF), which funds campus services and amenities of a non‐academic nature, including:
- sport and recreation
- employment and career advice
- health and financial services
- welfare, advocacy and equity services.
The SSAF is compulsory for all online and on-campus enrolled undergraduate, postgraduate and UniLink students whether you use these services or not. The Student Services and Amenities Fee is calculated based on your unit load, up to a maximum of A$326 per year in 2023. See how the SSAF is calculated.
You may need to pay other miscellaneous fees from time to time.
Loan limit changes: Combined HELP loan limit
The combined HELP loan limit is a cap on what you can borrow from the Australian Government to cover the costs of your tuition fees. The HELP loan limit will replace the current FEE-HELP limit from 1 January 2020.
The HELP loan limit will include HECS-HELP, FEE-HELP, VET FEE-HELP and VET Students Loans.
Existing FEE-HELP, VET FEE-HELP and VET Student Loan debts will be carried over and count towards your HELP loan limit.
Any previous HECS-HELP debts will not be included in the HELP loan limit.
From 1 January 2020 onwards, new HECS-HELP borrowing will count towards the limit.
On 1 January 2020, your FEE-HELP balance will become your HELP balance.
On 1 January 2020, the FEE-HELP loan limits will become the HELP loan limits.
How much are your fees?
The amount of your fees varies, depending on which units you are studying. You may be eligible to defer payment of your fees under HECS-HELP or FEE-HELP.
To find out the exact amount you need to pay, log in to My Finances and view your Statement of Account and Tax Invoice. This always shows the current calculation based on your enrolment, and any loans and discounts you’ve successfully applied for.
View unit costs and indicative course fees.
Note: The cost of your tuition fees as shown on your Statement of Account may not match the cost outlined on your letter of offer. This is because your Statement of Account always reflects the most current information, with any additional fees or loans and discounts applied, as well as changes to your enrolment.
How to pay your fees
You can pay your tuition fees and your SSAF for each teaching period up-front, partially, or defer the whole amount.
These are your payment options:
If you are not eligible for a HELP loan you must pay your fees up-front. If you are eligible for a HELP loan you may elect to pay your fees upfront to the university to avoid a HELP debt.
Note: All upfront payments must be received by the census date.
HECS-HELP (or FEE-HELP) loan from the government (and SA-HELP for the SSAF)
If you’re eligible for a HECS-HELP or SA-HELP loan and choose to defer repayment, you will only need to pay back these loans once your income rises above the minimum repayment threshold. HECS-HELP loans do not cover your SA-HELP loan, hence you need to submit a SA-HELP form if you wish to defer your fees.
You can choose to pay a portion of your fees in a teaching period, in which case the balance for that teaching period accrues to your HECS-HELP or SA-HELP loan debt.
When to pay your fees
Payment dates are spread throughout your course. You only pay for the units you’re enrolled in for each teaching period, not the whole course all at once.
To avoid penalties, you need to pay your fees by the due date on your Statement of Account.
What to do if you receive an 'overdue fees' notice
It’s important to pay all fees on time, including tuition fees, the SSAF and any other miscellaneous fees.
Failure to pay fees by the due date can affect your enrolment, ability to view results, and stop you graduating. You can also incur more financial penalties.
If you’ve received an overdue fees notice but believe you have paid, do the following:
- Log in to My Finances and check.
- If you haven’t paid the fees, make payment as soon as possible to avoid penalties.
- If you have paid your fees, forward your Statement of Account and proof of payment to email@example.com (undergraduates, postgraduates and UniLink students).
If you’ve incurred a late-payment penalty fee for being overdue, but can show you did pay your fees on time, apply online to have the late payment fee waived or seek financial help and support from Swinburne.
Note: If you do not pay your overdue fees it may be referred to a debt collection agency.