You can get a HECS-HELP loan to pay for your studies when you attend university or an approved higher education provider. It is possible to just get a loan that is hecs-help you may be signed up for a Commonwealth supported place (CSP).

A HECS-HELP loan does not cover expenses like accommodation, laptops or text publications.


Your provider shall assess your eligibility for a HELP loan from the criteria below. When you have any questions, please contact your provider.

To get a loan that is hecs-help you need to:

  • be studying in a Commonwealth supported destination.
  • be an Australian citizen and meet advance america the residency requirements (you must study at part that is least of one’s program in Australia).
  • be an innovative new Zealand Special Category Visa (SCV) holder or permanent humanitarian visa owner and meet with the residency demands.
  • submit the obtain Commonwealth help and HECS-HELP form to your provider by the census date.
  • be signed up for each unit/subject at your provider by the census date.
  • n’t have currently lent as much as your HELP loan restriction.

Simply how much may I borrow?

It is possible to borrow as much as the combined HELP restriction to pay your tuition charges. This can include all FEE-HELP, VET FEE-HELP and Vet student education loans and any HECS-HELP loans incurred from 1 January 2020.

When you go with your HELP loan restriction, the total amount of HELP you have remaining to borrow is called your available ‘HELP balance’.

For 2020, the HELP loan restriction is $106,319. In the event that you intend to study medicine, dentistry or veterinary technology ultimately causing initial enrollment, or eligible aviation courses the HELP loan restriction is $152,700.

Your HELP stability is renewable. Any compulsory or voluntary repayments beginning with the 2019-20 income 12 months will top up a person’s HELP balance. These repayments will undoubtedly be placed on a man or woman’s HELP stability from 1 July 2020 onwards. Repayments could be re-borrowed down the road, as much as the present HELP loan limitation.

You are able to check you HELP stability on myHELPbalance

To check on your balance you must know your Commonwealth advanced schooling pupil help number (CHESSN). A CHESSN is really an unique identifying number. It’s important which you just get one CHESSN.


To try to get a loan that is hecs-help you will require a tax file number (TFN) and an ask for Commonwealth help and HECS-HELP form, which your college or more education provider provides you with.

Your kind must certanly be filled in and presented to your provider ahead of the census date (or administrative date).

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