Whenever you attend college or an authorized advanced schooling provider, you could get a HECS-HELP loan to fund your studies. You are able to only get A hecs-help loan if you’re signed up for a Commonwealth supported place (CSP).

A HECS-HELP loan does not protect prices like accommodation, laptop computers or text books.


Your provider shall assess your eligibility for the HELP loan from the criteria below. For those who have any relevant concerns, 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 the residency requirements (you must study at part that is least of one’s program in Australia).
  • be a brand new Zealand Special Category Visa (SCV) owner or permanent humanitarian visa holder and meet up with the residency needs.
  • submit the request 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 already borrowed up to your HELP loan restriction.

Just how much could I borrow?

You are able to borrow as much as the combined HELP limitation to cover your tuition costs. This includes all FEE-HELP, VET FEE-HELP and Vet figuratively speaking and any loans that are HECS-HELP from 1 January 2020.

When you go with your HELP loan restriction, the total amount of ASSISTANCE you have remaining to borrow is recognized as your available ‚HELP stability‘.

For 2020, the HELP loan restriction 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 12 months will top up a person’s HELP balance. These repayments will likely to be put on a man or woman’s HELP balance from 1 2020 onwards july. Repayments are re-borrowed in the foreseeable future, as much as the present HELP loan restriction.

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

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


To try to get A hecs-help loan, you will require a tax file number (TFN) and an ask for Commonwealth support and HECS-HELP type, which your college or more advance america locations education provider will provide you with.

Your kind must certanly be filled in and submitted to your provider prior to the census date (or administrative date).