Skip to Main Content
It looks like you're using Internet Explorer 11 or older. This website works best with modern browsers such as the latest versions of Chrome, Firefox, Safari, and Edge. If you continue with this browser, you may see unexpected results.

Financial Literacy: HECS (Y12)

Making wise decisions about money is a skill that everyone needs to know.

How do I obtain a HELP loan?

Can I put off paying back HELP?

If making your repayment has caused or would cause you serious hardshipor there are other special reasons that make it fair and reasonable to defer making your repayment, the Australian Tax Office can help you out. read more...

Paying Up Front?

From Money Magazine

Paul Clitheroe weighs up the pros and cons of paying HECS upfront as thousands of students prepare for university. 

 

Read more...

How do I get a Tax File Number?

tfn

What you should know about HELP

The following table outlines the Commonwealth assistance options available to Commonwealth supported, fee paying and overseas students, based on citizenship or residency status.

 

 

Citizenship /
residency status 

Commonwealth pays 

Student
pays

Payment options 
(including loans)

Commonwealth supported students
Australian citizens and

Permanent humanitarian visa holders 

Commonwealth contribution


20 per cent HECS-HELP discount for:

 


- full up front payments, or 

- partial up front payments of $500 or more.

Student contribution  Three payment options:

 


- HECS-HELP loan 

- full up front payment (inc. 20 per cent discount)


- partial up front payment (inc. 20 per cent discount for payment of $500 or more) and

 

HECS-HELP loan

 

 

OS-HELP loan for overseas study.

See also: 

HECS-HELP

OS-HELP

 New Zealand citizens and

Other permanent visa holders 

Commonwealth contribution  Student contribution No loans - full up front payment only.

See also: 
Payment options and HECS-HELP
Fee paying (non-Commonwealth supported) students
Australian citizens and

Permanent humanitarian visa holders
No contribution  Tuition fees 

- FEE-HELP loan 


- Full or partial up front payment

New Zealand citizens and

Other permanent visa holders
No contribution  Tuition fees  No loans - full up front payment only.

Eligible permanent visa holders may receive a FEE-HELP loan for bridging study for overseas-trained professionals. 

See also:
 FEE-HELP
Overseas students
Foreign citizens who do not hold an Australian permanent visa

Temporary visa holders

Provisional visa holders
No contribution Overseas student fees  No loans.

See also: Overseas students

Key Sites

LIBRARY CATALOGUE

Dept. of Education

GOING TO UNI