You can get a HECS-HELP loan to pay for your studies when you attend university or an approved higher education provider. You can easily just get yourself a loan that is hecs-help you might be signed up for a Commonwealth supported destination (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 from the criteria below. When you have any concerns, please contact your provider.

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

  • be studying in a Commonwealth supported destination.
  • be an Australian citizen and meet the residency requirements (you must study at part that is least of one’s program in Australia).
  • be an innovative new advance america locations Zealand Special Category Visa (SCV) owner or permanent visa that is humanitarian and meet up with the residency needs.
  • submit the ask for Commonwealth help and HECS-HELP form to your provider because of 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.

Exactly how much am I able to borrow?

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

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

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

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

It is possible to be checked by you HELP stability on myHELPbalance

To test balance you must know your Commonwealth advanced schooling student support number (CHESSN). A CHESSN is just an identifying number that is unique. It’s important which you only get one CHESSN.


To utilize for a loan that is hecs-help you will require a income tax file number (TFN) and an ask for Commonwealth help and HECS-HELP type, which your university or maybe more education provider will provide you with.

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