Government assistance

As a domestic student you may be eligible for a government loan to assist you with paying your course fees.


The Australian government offers HELP loans which allow you to defer payment of your course fees or student contribution.

If you are deferring your fees to a government loan, you must complete the Commonwealth Assistance Form (CAF) and enter your Tax File Number before the Census Date, otherwise your fees will need to be paid upfront.

Support for Commonwealth supported students

If you are an Australian citizen, permanent resident or hold a permanent humanitarian visa and are studying in a Commonwealth supported place, you may be eligible for HECS-HELP.

HECS-HELP is a loan that allows you to defer the payment of your student contribution, which is the portion of the fees that you are required pay.

You may be eligible for HECS-HELP if you hold a Commonwealth Supported Place and you are enrolled in one of the following: 

  • a Bachelor course
  • a Master of Teaching (Primary)
  • a Master of Applied Psychology (Clinical Psychology), or
  • a Graduate Diploma in Education.

You can make repayments on your HELP debt in a number of ways.

Visit StudyAssist for more information on HECS-HELP.

Support for fee-paying students

If you are an Australian citizen, permanent resident or hold a permanent humanitarian visa and are studying in a full fee-paying course, you may be eligible for FEE-HELP.

FEE-HELP is a loan that allows you to defer payment of part or all of your tuition fees.

You may be eligible for FEE‑HELP if you are enrolled in one of the following:

  • a postgraduate degree (excluding Commonwealth supported places)
  • a Bridging Course for Overseas Trained Professionals.

Visit StudyAssist for more information on HECS-HELP.

Support for New Zealand Citizens who hold a Special Category visa

If you hold a New Zealand Special Category Visa, you may be eligible for an Australian government HELP loan.

To be eligible for a HELP loan, you must demonstrate the following:

  • That you hold a Special Category visa
  • That you first entered Australia at least 10 years ago as a dependent minor
  • That you were not married or in a defacto relationship at the time you first entered Australia 
  • That you are eligible for a Commonwealth supported place.
  • That you have been physically present in Australia for:
    • at least 8 out of the past 10 years, and
    • at least 18 months out of the past 2 years

If you can demonstrate the above and your application is approved, you will be eligible to defer your fees to a HELP loan.

What am I eligible for?

To find out what assistance you’re eligible for, visit StudyAssist, or contact us for tailored advice.