SA-HELP is a loan scheme to help you pay your student services and amenities fee.
You can choose to:
- pay nothing up-front and take out a loan that covers all your fee
- pay part of your fees up-front and take out a loan for the rest
- pay your full fee for the semester up-front.
Am I eligible for SA-HELP?
To be eligible for SA-HELP, you need to be enrolled in a QUT undergraduate or postgraduate coursework course and be:
- an Australian citizen
- an Australian permanent humanitarian visa holder.
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.
You don't have need to have taken out any other kind of HELP loan (e.g. HECS-HELP or FEE-HELP) to be eligible for SA-HELP.
How do I apply?
You can apply for SA-HELP once you've applied for a course, been offered a place and accepted your offer. You only need to apply for SA-HELP once for each course.
Repaying your SA-HELP debt
If you choose to take a loan for any part of your student services and amenities fees, the amount will be added to your accumulated HELP debt (with amounts from any other HELP loans e.g. HECS-HELP or FEE-HELP).
You'll only need to start repaying your HELP debt when your income reaches a certain level. As your income increases you pay a bigger percentage towards your 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 HECS-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.
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).