On this page:
- Am I eligible for VET FEE‑HELP?
- Am I studying at an approved VET FEE‑HELP provider?
- Can subsidised students access VET FEE‑HELP?
- How much can I borrow?
- Is there a loan fee?
- Will previous study or other debts affect my eligibility?
- How do I apply?
- How do I repay my VET FEE‑HELP loan?
- How much will my loan/debt be?
- Need more information?
VET FEE‑HELP is available to assist eligible students studying higher level vocational education and training (VET) qualifications to pay their tuition fees. Higher level VET qualifications are at the diploma level and above. For a trial period, VET FEE‑HELP will also be available for a limited number of certificate IV qualifications. VET FEE‑HELP can be used to pay all or part of an eligible student’s tuition fees, but cannot be used for additional study costs such as accommodation or text books.
Am I eligible for VET FEE‑HELP?
You are eligible for VET FEE‑HELP if you:
- are an Australian citizen; or
- are a New Zealand Special Category Visa holder who meets long-term residency requirements; or
- are a permanent humanitarian visa holder (resident in Australia for the duration of the unit);AND
- have not exceeded the FEE‑HELP limit (see below); AND
- meet course requirements as follows:
- are a full fee-paying / fee for service student studying a diploma, advanced diploma, graduate certificate or graduate diploma level course at an approved VET FEE‑HELP provider; OR
- are a student subsidised by a state or territory government (other than the Australian Capital Territory) studying a diploma or advanced diploma course; OR
- are a student subsidised by the Victorian, South Australian, Queensland, Western Australian and New South Wales Government studying in a specified certificate IV course (nominated courses vary by state) as part of the Certificate IV Trial that concludes in December 2016; AND
- are enrolled with an approved VET FEE-HELP provider in an eligible unit of study by the census date for that unit.
For more information about the HELP residency requirements for New Zealand Special Category Visa holders, please read the FAQs NZ SCV page (opens in a new window).
For more information regarding the VET FEE-HELP eligibility requirements, read the VET FEE‑HELP Information booklet, available on the publications page.Return to top
Am I studying at an approved VET FEE‑HELP provider?
Not all providers are approved to offer VET FEE‑HELP loans. You can only access VET FEE‑HELP at a registered training organisation that has been approved under the Higher Education Support Act 2003 to offer VET FEE‑HELP to eligible students.
For a list of providers who are approved to offer VET FEE‑HELP, see Approved VET providers.
For a list of providers who are approved to offer VET FEE‑HELP to a limited number of Certificate IV courses visit the Certificate IV trial page.Return to top
Can subsidised students access VET FEE‑HELP?
Yes, if the student is eligible and is currently subsidised by:
- a state or territory government (other than the Australian Capital Territory) studying a diploma or advanced diploma course; OR
- the Victorian, South Australian, Queensland, Western Australian and New South Wales Government studying in a specified certificate IV course (nominated courses vary by state) as part of the Certificate IV Trial (concluding in December 2016)
For further information regarding the eligibility requirements for subsidised training and VET FEE-HELP, Visit the respective state government websites as follows:
Skills Victoria website (opens in a new window).
Skills for All website (opens in a new window) or email email@example.com or call the Skills for All Info line on 1800 506 266.
Great skills. Real opportunities. website (opens in a new window)
Northern Territory Flexible Reforms (opens in a new window)
Future Skills WA website (opens in a new window)
New South Wales
Smart and Skilled website (opens in a new window)
Skills for Work website (opens in a new window)
How much can I borrow?
You can borrow up to the FEE‑HELP limit to pay your tuition fees. The FEE‑HELP limit is the total amount available to you under both the VET FEE‑HELP and FEE‑HELP loan schemes. This means that any amount you borrow under either VET FEE‑HELP or FEE‑HELP will reduce your FEE‑HELP balance (the amount of both loans you have left to use) until you have reached the FEE‑HELP limit.
For 2016, the FEE‑HELP limit is $99,389 for most students. For students undertaking medicine, dentistry and veterinary science courses (as defined in the Higher Education Support Act 2003) the FEE‑HELP limit is $124,238.
The FEE‑HELP limit is a lifetime limit and is not reset or ‘topped up’ by any repayments that you make.Return to top
Is there a loan fee?
Yes, for some students. A 20% loan fee applies for VET FEE‑HELP loans accessed by full fee paying/fee for service students. The loan fee does not count towards your FEE‑HELP limit.
You will not incur the loan fee if you are a student who is subsidised by a state or territory government.Return to top
Will previous study or other debts affect my eligibility?
Any previous study you have undertaken, and any other financial debts you may have incurred will not affect your eligibility to access a VET FEE‑HELP loan. As long as you meet the relevant eligibility criteria (see above) and you have enough of your FEE‑HELP limit (see above) left to cover your tuition fees, you will be able to access VET FEE‑HELP.Return to top
How do I apply?
See the Applying page for information on applying for a VET FEE‑HELP loan.Return to top
How do I repay my VET FEE‑HELP loan?
See the Loan repayment page for information on repaying your loan.Return to top
How much will my loan/debt be?
To calculate your VET FEE-HELP loan debt, see the Course Search page on the MySkills website. Once you have selected a course, the Course Search will tell you whether VET FEE-HELP is available. You will then be able to use the 'CALCULATE MY LOAN' tool to find out how much your debt may be.Return to top