HECS-HELP and FEE-HELP are Commonwealth provided loans that assist eligible students to pay their tuition fees. The Australian Government pays the unit fees directly to the education institution on behalf of the student and the loan amount is recorded with the Australian Tax Office against their tax file number. The debt is then gradually repaid through tax payments once a minimum income threshold is met.
Students are eligible for HELP loans if they are:
NZ citizens holding a Special Category Visa (SCV) who meet the below criteria are are also eligible to apply for a HELP loan, providing they:
Applying for HELP loans
Applications are made by completing a Request for Commonwealth Support form that students receive during their enrolment.
HELP loans do not cover additional study expenses that may include computer software.
For more information on HELP loans visit the Australian Government Study Assist website.