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.
A Commonwealth supported place is a University place that is subsidised by the federal government.
The Higher Education Loan Programme (HELP) consists of five loan schemes: HECS-HELP, FEE-HELP, OS-HELP, SA-HELP and VET FEE-HELP.
All Australian permanent residents and citizens can have a CSP but only citizens are allowed to take out a HELP loan.
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