You can get a HECS-HELP loan to pay for your studies when you attend university or an approved higher education provider. You’ll just get A hecs-help loan if you will be signed up for a Commonwealth supported destination (CSP).

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


Your provider shall assess your eligibility for a HELP loan up against the criteria below. When you yourself have any relevant concerns, please contact your provider.

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

  • be learning 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 a fresh Zealand Special Category Visa (SCV) owner or permanent visa that is humanitarian and meet up with the residency demands.
  • submit the ask for Commonwealth help and form that is HECS-HELP your provider by the census date.
  • be signed up for each unit/subject at your provider because of the census date.
  • not need currently lent as much as your HELP loan restriction.

Simply how much may I borrow?

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

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

For 2020, the HELP loan limit is $106,319. The HELP loan limit is $152,700 if you plan to study medicine, dentistry or veterinary science leading to initial registration, or eligible aviation courses.

Your HELP balance is renewable. Any compulsory or voluntary repayments beginning with the 2019-20 income year will top a person up’s HELP balance. These repayments is likely to be placed on a man or woman’s HELP balance from 1 2020 onwards july. Repayments may be re-borrowed in the foreseeable future, as much as the present HELP loan limitation.

You can easily always check you HELP stability on myHELPbalance

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


To utilize for A hecs-help loan, you will require a tax file number (TFN) and a ask for Commonwealth help and HECS-HELP type, which your college or maybe more training provider will provide you with.

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