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Whenever you attend university or an authorized degree provider, you could get a HECS-HELP loan to cover your studies. You’ll only get yourself a loan that is hecs-help you may be signed up for a Commonwealth supported spot (CSP).

A HECS-HELP loan doesn’t cover expenses like accommodation, laptops or text publications.


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

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

  • be learning in a Commonwealth advance america loan 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 visa that is humanitarian and meet with the residency demands.
  • submit the ask for 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.
  • not have currently lent as much as your HELP loan restriction.

Just how much can I borrow?

It is possible to borrow as much as the combined HELP limitation to cover your tuition charges. This consists of all FEE-HELP, VET FEE-HELP and Vet figuratively speaking and any HECS-HELP loans incurred from 1 January 2020.

As soon as you go with your HELP loan limit, the total amount of ASSISTANCE you have left 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 stability. These repayments may be placed on a man or woman’s HELP balance from 1 2020 onwards july. Repayments may be re-borrowed in the future, as much as the HELP loan that is current limitation.

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

To test 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 get one CHESSN.


To try to get a loan that is hecs-help you’ll need an income tax file number (TFN) and a request Commonwealth help and HECS-HELP kind, 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).

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