HECS-HELP is a Commonwealth Government loan scheme available to eligible students enrolled in Commonwealth supported places. This loan scheme assists students with their student contribution payments and is a cost-effective way to fund your course studies.
The Australian Government pays the loan amount directly to your course provider on your behalf and a HECS-HELP debt is then recorded with the Tax Office against your Tax File Number. The debt is then to be repaid once your repayment income is above the minimum threshold. For details on the minimum threshold, please visit the Going to Uni website.
Applying for HECS-HELP?
To access HECS-HELP, you need to:
- Apply for a course that is Commonwealth supported and upon acceptance;
- You must complete the course provider's enrolment requirements for your units of study on or before the close of enrolment date. There will be an opportunity to lodge in a late application before the Census date.
- Complete, sign and submit a Request for Commonwealth support and HECS-HELP form on or before the census date.
Commonwealth supported places are available for most undergraduate degrees offered through OUA. However, entry requirements may vary for different courses. If a course is Commonwealth supported then this will be stated in the "Overview" or "Application process" sections of the course information page.
To be eligible for HECS-HELP you must be:
- Enrolled in a unit of study as a Commonwealth supported student; and
- Meet the citizenship and residency requirements. That is, you must be an Australian citizen residing in Australia for all or part of your studies OR the holder of a permanent humanitarian visa and residing in Australia for the duration of your studies; AND
- Able to meet the eligibility requirements for FEE-HELP.
- Vocational Education and Training (VET) and TAFE units
- Bridging units (UNL, PREP)
- Continuing Professional Education units (through the Australian Computer Society)
- Additional special study materials (such as paintbrushes for art students)
- Financial penalties incurred for dropping or swapping units
HECS-HELP does not cover: