Whenever you attend college or an approved advanced schooling provider, you will get a HECS-HELP loan to cover your studies. You can easily just get a loan that is hecs-help you’re signed up for a Commonwealth supported spot (CSP).

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


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

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

  • be studying in a Commonwealth supported destination.
  • be an Australian citizen and meet up with the residency demands (you must study at the very least component of one’s program in Australia).
  • be a fresh Zealand Special Category Visa (SCV) holder or permanent humanitarian visa holder and meet up with the residency demands.
  • submit the obtain 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 can easily borrow as much as the combined HELP restriction to cover your tuition costs. 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 limitation, 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. In the event that you want to study medicine, dentistry or veterinary technology resulting in initial enrollment, or qualified aviation courses the HELP loan restriction is $152,700.

Your HELP stability is renewable. Any compulsory or voluntary repayments beginning with the 2019-20 earnings 12 months will top up a person’s HELP balance. These repayments may be placed on a man or woman’s HELP stability from 1 July 2020 onwards. Repayments may be re-borrowed in the future, as much as the present HELP loan limit.

You are able to always check you HELP stability on myHELPbalance

To test balance you should know your Commonwealth advanced schooling student help number (CHESSN). A CHESSN is an identifying number that is unique. It’s important which you only get one CHESSN.


To try to get a loan that is hecs-help you will require a taxation file number (TFN) and a ask for Commonwealth help and HECS-HELP kind, which your university or more education provider provides you with.

Your kind must certanly be filled in and check in go presented to your provider ahead of the census date (or administrative date).

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