FEE-HELP is a loan scheme to help you pay your course fees.
You can choose to:
- pay nothing up-front and take out a loan that covers all your fees
- pay part of your fees up-front and take out a loan for the rest
- pay all your fees for the semester up-front.
If you choose to pay some or all of your fees up-front, you'll pay each semester for the units you're enrolled in. You can change your payment option at the start of each semester.
Am I eligible for FEE-HELP?
To be eligible for FEE-HELP, you need to have accepted a full fee tuition place in a university course and be:
- an Australian citizen
- a permanent humanitarian visa holder and living in Australia for the duration of your course
- a permanent visa holder who is enrolled in bridging study for overseas-trained professionals and living in Australia for the duration of your course.
If you're a New Zealand citizen with a special category visa, you may be able to apply for a HELP loan if you meet the eligibility requirements.
Check StudyAssist for more information about HELP loans for eligible New Zealand students.
Do I have a full fee tuition place?
When you check the indicative fee in your course details it will tell you if places in your course are full fee tuition places.
Most of our postgraduate courses are full fee tuition courses. This means that you pay the full cost of your course.
I've taken out a FEE-HELP loan before
There is a limit to the amount you can borrow under the FEE-HELP scheme. If you've used the scheme before, it's your responsibility to make sure you have a high enough balance left for your new course.
How do I apply for FEE-HELP?
You can apply for FEE-HELP once you've applied for a course, been offered a place and accepted your offer. You must apply for FEE-HELP before you can enrol in your units.
Repaying your FEE-HELP debt
If you choose to take a loan for any part of your fees, you'll only need to start repaying it when your income reaches a certain level. As your income increases you pay a bigger percentage towards your FEE-HELP debt.
The amount you have to repay is calculated by the Tax Office each year. You should let your employer know you have a FEE-HELP debt and they can withhold money from your pay to cover your repayments.
You can choose to make extra repayments of any amount at any time. From 1 January 2017 you won't receive a discount for making extra repayments.
FEE-HELP loans are interest-free, but your debt will increase each year as it's adjusted in line with changes in the cost of living, as measured by the Consumer Price Index (CPI).