VET FEE-HELP is a student loan scheme that is funded by the Commonwealth Government to assist eligible students pay their course fees. It is available for some higher-level courses (that is, diploma, advanced diploma, graduate certificate and graduate diploma courses) offered on a fee-for-service basis by a Registered Training Organisation (RTO). VET FEE-HELP loans are not subject to income or assets tests but there is a loan fee of 20%.

For eligible fee-for-service courses, VET FEE-HELP provides you with the option of:

  • deferring all of your tuition fees; or
  • paying some of your tuition fees upfront and deferring the balance.
    There is a loan fee of 20% for all VET FEE HELP loans.

Am I Eligible?

To be eligible for VET FEE-HELP you must:

  • be an Australian citizen or a permanent humanitarian visa holder who will
  • be resident in Australia for the duration of study
  • provide a tax file number
  • not exceed your FEE-HELP loan limit
  • provide, or be allocated, a Commonwealth Higher Education Student Support Number (CHESSN) – a unique identifying number provided by the Australian government.

How do I pay back the loan?

You repay your VET FEE-HELP loan through the Australian tax system when you reach the minimum income threshold for repayment. More information is available at

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