The Higher Education Loan Program (HELP) is an Australian Government loan scheme that allows eligible domestic students to defer payment of tuition fees for approved courses. Instead of paying upfront, the loan amount is repaid through the Australian taxation system once income reaches the required threshold.

Depending on the course and provider, eligible students may access:

• HECS-HELP – for Commonwealth-supported places in higher education
  
  

• FEE-HELP – for eligible fee-paying higher education courses
  
  

• VET Student Loans – for approved diploma-level VET courses
  
  

Not all courses are HELP-eligible.

HELP loans are repaid through the Australian Taxation Office (ATO) once your income exceeds the legislated repayment threshold for the financial year.

Repayments are income-contingent and are automatically included in your tax obligations.

HELP loans do not attract interest in the traditional sense. However, the outstanding balance is indexed annually in line with government policy.

Indexation rates are set by the Australian Government.

If you withdraw from a course after the relevant census date, the debt may still be incurred. Census dates and withdrawal policies differ by provider.

It is important to understand these dates before enrolling.

No. We do not approve, administer, or provide HELP loans. Our role is to assist students in identifying courses that may be HELP-eligible and to refer them to approved education providers.

Final eligibility and loan approval are determined by the education provider and the Australian Government.