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Settlement Guide: 5 loans to assist students

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In Australia, 90 per cent of eligible students take up a loan to pay for university study. The federal government administers different loans schemes to assist students with their fees.

 The Higher Education Loan Programme (HELP) consists of five loan schemes:


1. HECS-HELP is a loan scheme to help eligible Commonwealth supported students to pay their student contribution amounts through a loan.


2. FEE-HELP is a loan to help eligible fee paying students to pay their tuition fees.


3. SA-HELP is a loan that assists eligible students to pay for all or part of their student services and amenities fee.



4. OS-HELP is a loan to help eligible Commonwealth supported students pay their overseas study expenses.


5. VET FEE-HELP is a loan to help eligible students enrolled in higher-level vocational education and training courses at approved VET providers to pay their tuition fees.


For more information about student loan schemes visit:

 For more information about Australia's universities visit:

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