This overview covers everything you need to know to about paying your tuition fees, the Student Services and Amenities Fee (SSAF) and other miscellaneous fees, and how to access loans to help you pay them.
This information is for you if you’re:
an Australian or New Zealand citizen, humanitarian visa holder or an Australian permanent resident, and
enrolled in a course at postgraduate level (graduate certificate, master’s degree, PhD or graduate diploma).
If you're an Open Universities Australia (OUA) student enrolled in a Commonwealth Supported place (CSP), please refer to the Ask George help page regarding information on Student Services Amenities Fees and SA HELP. Completing the Commonwealth Supported place (CSP) HECS HELP form does not defer your Student Services Amenities Fees. Refer to the OUA website for information on fees.
Most postgraduate students defer and repay part or all of the cost of their tuition fees through a FEE-HELP loan, provided they have not exceeded the FEE-HELP limit. Or, if you qualify for a Commonwealth Supported Place in a postgraduate course, you can use a HECS-HELP loan.
The FEE-HELP limit is the maximum amount you can borrow from the government in your lifetime towards your education costs. It is fixed and cannot be topped up.
If you are not eligible for a FEE-HELP loan, you can still apply to study a postgraduate course, and pay your fees up-front.
Sponsorship is a formal arrangement where your tuition fees are partly or fully funded by your employer, another organisation, faculty or department.
There are also several scholarships available to local postgraduate students. You are strongly encouraged to apply for these.
SA-HELP loans are available specifically to assist with paying the Student Services and Amenities Fee.
OS-HELP is available to eligible local students for international study experiences, including exchange and study tours.
How much are my fees?
The amount of your fees varies depending on:
which course you are studying
whether or not you are being sponsored for some or all of your tuition fees
whether you pay up-front or defer payment under a HELP loan.
To find out the exact amount you need to pay, log in to My Financials and view your Statement of Account and Tax Invoice. This will show the current calculation based on your enrolment, and any loans and discounts you've successfully applied for.
You can pay your tuition fees and your Student Services and Amenities Fee (SSAF) for each teaching period, in full up-front, partially, or defer the whole amount.
These are your payment options:
Via a FEE-HELP loan from the government (and SA-HELP for the SSAF)
A FEE-HELP loan allows postgraduate students to defer payment of tuition fees until after you complete your studies. Repayments are made through the tax system once you earn above the minimum repayment threshold. FEE-HELP loans do not cover your SSAF. SA-HELP loans are available to assist eligible students to pay the SSAF.
You can choose to pay the full amount of your fees up-front in each teaching period.
If your postgraduate studies are being partially or fully funded by your employer or another third party, all parties must complete a Sponsorship Agreement [PDF 57KB]odged with Swinburne by the census date so all parties are billed correctly.
In each case:
make sure all documentation has been submitted, particularly your Sponsorship Agreement if one has been made
If you have paid online through My Financials, you will receive a receipt of payment, which will be emailed to your nominated email account. However all receipts of payment will be reflected on your Statement of account.
For all other payment methods you will receive a receipt when you pay, except for payments made via BPAY, which can be viewed on your bank statement.
You will make payments 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 and Tax Invoice, which is usually the census date.
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. If you don't this can affect your enrolment, your ability to view results, and stop you graduating. You can also incur more financial penalties.
If you receive an overdue fees notice but believe you have paid: