Education is invaluable but paying up front isn’t always possible. It’s important to know there are many ways to fund your ACU studies, including government assistance, scholarships and income support.

How you can fund your studies

If you’re not able to pay right away, you may be able to defer your tuition costs, receive income support or get some help with your bills.

Three different types of financial assistance are available for domestic and international students:

  • Fee assistance: These are loans and schemes that only cover your cost of tuition. They do not include materials and equipment costs.
  • Outside of fee assistance: These provide financial support to supplement your income, pay for materials and equipment, or help with transport or living costs.
  • Scholarships: Our scholarships reward students who have excelled in some way, or provide support to students who are facing hardships.

Scholarships and bursaries

We offer a wide range of scholarships which provide financial assistance for eligible students.

Scholarships are always worth looking into; you might be eligible for more than you think.

Browse our scholarships

If you need assistance with fees

Use the accordion below to find out what type of fees assistance are available for you.

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.

HECS-HELP availability
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.

Repayments
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.

Visit Study Assist

You might be eligible for FEE-HELP

FEE-HELP is a loan scheme that assists eligible fee-paying students to pay all or part of their tuition fees.

If you are an eligible domestic student with a domestic fee-paying offer, you will have the option to defer payment of your fees through the Higher Education Loan Program (HELP).

This means the balance of your tuition fees 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.

FEE-HELP availability
Currently, FEE-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, FEE-HELP is specifically for students who have been offered a domestic fee-paying place.

Registering for FEE-HELP
When you receive a domestic fee-paying offer to study at ACU, you will be directed to the Student Connect portal.

You will then have the option to complete a Request for FEE-HELP form.

Please note: You must provide a valid tax file number in order to access FEE-HELP.

What if I don’t register in time?
If you did not register for FEE-HELP at the time of accepting your offer, you can go back to Student Connect and register 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 FEE-HELP loan, your fees will be deferred automatically.

Repayments
You will make repayments to your FEE-HELP loan through the Australian Taxation Office (ATO), not through ACU.

Where to go for more info
You can find more information about FEE-HELP on the Study Assist website.

Visit Study Assist

You might be eligible for VSL

The VET Student Loan (VSL) is a government loan program that gives eligible students access to diplomas or higher-level VET qualifications. It replaces the VET FEE-HELP scheme.

VSL eligibility
Currently, VSL 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.

As well as the above, you must also meet the following requirements:

  • Hold a Year 12 certificate or Certificate IV and above qualification (or achieve an ACSF Exit level 3 in the Commonwealth Government-approved Language, Literacy and Numeracy test)
  • Have a FEE-HELP balance greater than zero.
Loan caps
 
Course code Course name Loan cap amount
HLT54115 Diploma of Nursing Up to $15,225
CHC50113 Diploma of Early Childhood Education and Care Up to $10,150
BSB51915 Diploma of Leadership and Management Up to $5,075

Applying for VSL
To apply for the VSL, follow these steps:

  • Visit the Department of Education and Training website to read the VSL Student Information Booklet
  • Check your eligibility requirements and gather all the proof of eligibility you’ll need to enrol
  • Have your tax file number (TFN) ready. If you don’t have a TFN, you can apply for one and obtain a certificate of application. Learn more and apply by visiting the ATO website
  • Enrol in your selected course and indicate you wish to access the VSL
  • Check your email inbox. You’ll receive a message allowing you to sign into the electronic Commonwealth Assistance Form (eCAF) system. Once signed in, you will need to verify the pre-populated information and complete the mandatory fields.
  • Submit your completed eCAF before the next census date. You will receive an emailed copy of your completed form as confirmation.

Please note:
You must provide a valid TFN or certificate of application in order to access the VSL

Your tuition fee will be spread across three fee periods, with each fee period containing at least one census date

If you do not complete the eCAF by the census date for your course, you will have to wait until the next study period to apply for the VSL.

Repayments
You will make repayments to your VSL through the Australian Taxation Office (ATO), not through ACU.

Your VSL loan will remain a personal debt until you repay it to the Commonwealth. The loan may, until the debt is repaid, reduce your take-home (after-tax) wage or salary and may reduce the borrowing capacity.

The amount of HELP debt you could accrue if you received the maximum loan amount for your course could be up to 120 per cent of the loan. It’s a good idea for you to seek independent financial advice before applying.

Withdrawing
If you withdraw from your course before the relevant census date, you will not incur VSL debt.

You can view upcoming census dates by visiting our census dates page.

Learn more about our withdrawal procedures by visiting our deferring or withdrawing page.

Where to go for more info
You can find more information about the VSL on the Department of Education and Training website.

Go to the Department of Education and Training

If you need any further information on VET fees, funding and the VSL loan scheme, contact ACU College:

Email: Fees.ACUCollege@acu.edu.au
Phone: 03 9230 8367

Statement of Tuition Assurance
ACU College is a member of ACPET’s Australian Student Tuition Assurance Scheme (ASTAS).

You can read the statement by accessing the VET Tuition Assurance Policy and Procedure at our policies page.

View ACU College policies and procedures

You might be eligible for SA-HELP

The SA-HELP loan is available to assist eligible students with paying their Student Services and Amenities Fee (SSAF)

Registering for SA-HELP
When you receive your offer of a place, you will be directed to the Student Connect portal.

You will then have to complete a Request for SA-HELP Assistance form. You will need to indicate on the form if you want to defer or not.

If you choose to defer, you will be prompted to provide a tax file number.

You can find more information about SA-HELP on the Study Assist website.

Visit Study Assist

If you need income support

Use the accordions below to find out what fees assistance are available to you. You can also enquire about our Student Loan Scheme.

Domestic students

You might be eligible for the Youth Allowance

The Youth Allowance provides financial help for young people who are studying full time.

It is a means-tested payment for full-time students and Australian apprentices aged 16 to 24.

You can find more information about the Youth Allowance, including eligibility and how to apply, via Centrelink on the Department of Human Services website.

Visit Human Services

You might be eligible for Austudy

Austudy is a means-tested payment for full-time students and Australian apprentices aged 25 years and over.

The scheme provides a regular payment, depending on your existing assets and income.

You can find more information about Austudy, including eligibility, payment amounts and how to apply, via Centrelink on the Department of Human Services website.

Visit Human Services

You might be eligible for ABSTUDY

The ABSTUDY scheme provides support to Aboriginal and Torres Strait Islander Australians to improve access to and participation in secondary and tertiary education and training.

The scheme can assist with study costs, housing expenses and living costs.

You can find more information about ABSTUDY, including eligibility and how to lodge a claim, via Centrelink on the Department of Human Services website.

Visit Human Services

You might be eligible for OS-HELP

If you’re a Commonwealth supported student undertaking an international experience, you may be eligible for OS-HELP.

OS-HELP provides financial assistance to eligible students to undertake part of their course of study overseas.

The loan will be registered against your tax file number in the same way as other HELP loans.

OS-HELP may be used to cover expenses associated with the overseas study, such as:

  • Airfares
  • Accommodation
  • Other travel or settling expenses.

You can learn more about the loan, including amounts, eligibility, how to apply and application deadlines, by downloading our OS-HELP policy and guidelines.

OS-HELP Policy and Guidelines (PDF)

You might be eligible for a travel grant

If you’re an ACU student undertaking an international experience, you may be eligible for an ACU Vice Chancellor and President’s Travel Grant.

You can learn more about the grant, including amounts, eligibility, how to apply and application deadlines, by downloading our travel grant guidelines.

Travel Grant Guidelines 2018 (PDF)

Student travel scholarships

We have a number of scholarships that support students travelling and studying abroad.

You can browse available scholarships, check your eligibility and find out how to apply by visiting our scholarships page

International students

If you’re from the United States, Canada or India, you may be eligible for an international loan. United States veterans may also qualify for funding by the US Department of Veterans Affairs.

Use the accordions below to see what options are available to you.

Please note: These loans will be issued from your home country; however, we will provide processing assistance for you here in Australia.

United States federal student loans

We are a ‘Deferment Only’ institution and do not originate or disburse US Federal Student Loans.

However, we can certify deferments if you have already received US Federal Student Loans.

If you’re enrolled on a minimum half-time basis or greater, you can apply to defer repayments on your student loans.

You should contact your lender to obtain the appropriate form for us to certify.

If you need more information, visit the US Federal Student Loans website.

Private loans for US students

If you’re a student from the US, you may be eligible for private loans while studying at ACU.

Eligible US citizens studying outside the US may be eligible for private loans such as the Smart Option Student Loan by Sallie Mae®.

If you need more information, visit the Sallie Mae website.

United States veterans funding

If you’re a US army veteran, you may be eligible to receive education funding from the US Department of Veteran Affairs (VA).

We are authorised to certify funding under the following education programs:

  • Post 9/11 GI Bill®
  • Montgomery GI Bill
  • Veterans’ Education Assistance Program

Your chosen course must be approved by VA.

To confirm if your chosen course has been approved for VA benefits, email our ACU International Admissions team.

If your course has not been approved, we can seek approval from the department for you.

If you need more information about the education benefits offered by VA, visit the official US government website.

Private loans for Canadian students

If you’re a Canadian student studying outside of Canada, you may be eligible for loans through Global Education Management Services (GEMS).

If you need more information, visit the RBC Royal Credit Line website.

Please note: If you apply for a GEMS loan, you’ll need to prepare a budget as part of the application process and you must sign your loan paperwork in person at an RBC Royal Bank branch in Canada.

Private loans for Indian students

If you’re an Indian student studying outside of India, you may be eligible for loans through Global Education Management Services (GEMS).

GEMS offers a wide range of services for Indian students through the Credila Indian Student Loan Program.

If you need more information, visit the GEMS website.

If you need help with living costs

There are a number of options available to financially support your during your studies. 

You may be eligible for Rent Assistance

Rent Assistance is a government payment to eligible individuals to help with rental costs.

The scheme provides extra assistance if you have a low income and rent your accommodation, generally in the private rental market.

You can find out more about the scheme, including eligibility and how to claim, at the Human Services website.

Visit Human Services

You may be eligible for the Fares Allowance

If you need to live away from home to undertake your studies, you could be eligible for the Fares Allowance.

The scheme will help cover travel costs for eligible students, including recipients of ABSTUDY, Austudy and students receiving the Youth Allowance.

You can find out more about the scheme, including eligibility and how to claim, at the Human Services website.

Visit Human Services

Have questions? AskACU

You can reach out to us at AskACU if you have any questions about our university-managed loans and schemes, including:

  • HELP loans
  • Vice Chancellor and President’s Travel Grant.

Email AskACU

Search our FAQ knowledge database

Call us on 1300 275 228.

Please note:

 

 

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