You can get a HECS-HELP loan to pay for your studies when you attend university or an approved higher education provider. You are able to just get a loan that is hecs-help you might be signed up for a Commonwealth supported destination (CSP).

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


Your provider will assess your eligibility for the HELP loan from the criteria below. When you yourself have speedy cash reviews any concerns, please contact your provider.

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

  • be studying in a Commonwealth supported destination.
  • be an Australian citizen and meet the residency requirements (you must study at part that is least of one’s program in Australia).
  • be a brand new Zealand Special Category Visa (SCV) holder or permanent visa that is humanitarian and meet with the residency demands.
  • submit the request Commonwealth help and HECS-HELP form to 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.

Just how much may I borrow?

You are able to borrow as much as the combined HELP limitation to cover your tuition costs. Including all FEE-HELP, VET FEE-HELP and Vet student education loans and any loans that are HECS-HELP from 1 January 2020.

When you go with your HELP loan limitation, the amount of ASSISTANCE you have remaining to borrow is recognized as your available ‘HELP balance’.

For 2020, the HELP loan limitation is $106,319. The HELP loan limit is $152,700 if you plan to study medicine, dentistry or veterinary science leading to initial registration, or eligible aviation courses.

Your HELP balance is renewable. Any compulsory or voluntary repayments starting from the 2019-20 earnings 12 months will top up a person’s HELP stability. These repayments would be put on a man or woman’s HELP stability from 1 July 2020 onwards. Repayments may be re-borrowed in the foreseeable future, as much as the HELP loan that is current limitation.

You can easily check you HELP stability on myHELPbalance

To check on balance you should know your Commonwealth advanced schooling pupil help number (CHESSN). A CHESSN is really an unique distinguishing quantity. It is necessary which you just get one CHESSN.


To try to get a loan that is hecs-help you’ll need a tax file number (TFN) and a Request for Commonwealth help and HECS-HELP kind, which your college or more training provider provides you with.

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

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