FEE-HELP is an Australian Government loan scheme that covers the cost of your tuition fees on your behalf. FEE-HELP is available to students who are not studying in a Commonwealth supported place (and are therefore not eligible for HECS-HELP).
You must meet the following requirements to be eligible for FEE‑HELP:
For more information download the FEE-HELP Information booklet.
Eligible students can borrow up to the combined HELP limit to pay your tuition fees. This includes all FEE-HELP, VET FEE-HELP, VET Student Loans amounts you have borrowed. It will also include any HECS-HELP loans incurred from 1 January 2020.
Once you begin using your HELP loan limit, the amount of HELP you have left to borrow is known as your available 'HELP balance'. The HELP loan limit is published annually on the Study Assist FEE-HELP website.
For information on the new combined HELP loan limit, please visit the Study Assist website.
There is no interest charged on FEE-HELP debts, however it is subject to indexation, which means the loan maintains its real value by adjusting in line with changes in the cost of living. There is also a loan fee of 25 per cent for FEE‑HELP loans for undergraduate courses. The loan fee does not count towards your FEE‑HELP limit.
The basis for assessment of a student’s academic suitability is as follows (eCAF definition, 2017):
Minimum pass rate
You need to ensure that you pass at least 50% of your total attempted units across your course of study. Otherwise you will have to pay the tuition fees upfront until you improve your pass rate.
For bachelor level courses, if you undertake 8 or more units you must pass at least 4. For sub-bachelor courses, if you undertake 4 or more units you must pass at least 2 units.
For the purposes of subsection 104-1(1A) of the HESA 2003 (The Act), in determining whether a student is a genuine student in relation to a unit of study being undertaken as part of a course of study, regard may be had to the following matters:
(a) whether the student is reasonably engaged in the course;
(b) whether the student has been provided with information pertaining to the course requirements for the course, and the cost and duration of the course;
(c) whether the student has satisfied course requirements for the course or participated in assessment activities for the course;
(d) if the course is an online course—the number of occasions on which the student has logged in to the course is not insignificant;
(e) whether the student has provided up-to-date contact details that enable the Department to contact the student to verify the student’s enrolment in the course;
(f) if the student is enrolled in another course—the number of the enrolments and associated course loads would not make successful completion of a course by the student impossible or highly improbable.
Our customer service team is ready to support you through the application process. You can contact us if you have any questions, or need any help with your FEE-HELP application.