You might be eligible for HECS-HELP
HECS-HELP is a loan program to help eligible Commonwealth supported students pay the student contribution portion of their fees.
This means the balance of your student contribution amount is recorded as a debt against your tax file number.
You won’t need to start making repayments until you are earning the minimum repayment threshold. You will then start paying it back as a percentage of your wage.
Currently, HECS-HELP loans are available to the following domestic students:
- Australian citizens
- Permanent humanitarian visa holders
- New Zealand special category visa holders who meet the long-term residency requirements.
There is no financial assessment to access a HELP loan; however, you should know that HECS-HELP is specifically for students who have been offered a Commonwealth supported place.
Registering for HECS-HELP
When you receive an offer of a Commonwealth supported place, you will be directed to the Student Connect portal.
If you want to receive the loan, you will have to complete a Request for Commonwealth Assistance form.
You must also provide a valid tax file number.
What if I don’t register in time?
If you did not provide your tax file number at the time of completing your Commonwealth Assistance form, you can go back to Student Connect and register it any time prior to the census date of the relevant study period.
Please be aware though that forms completed after census date will not take effect until the next study period.
Deferring your fees
If you have a HECS-HELP loan, your fees will be deferred automatically.
You will make repayments to your HECS-HELP loan through the Australian Taxation Office (ATO), not through ACU.
Where to go for more info
You can find more information about HECS-HELP on the Study Assist website.