Fee payment assistance
Get help paying your fees and study-related expenses.
Higher Education Loan Programs (HELP)
HECS-HELP provides students in a Commonwealth Supported Place (CSP) with a loan to cover their student contribution amount and/or a discount if they choose to pay all, or at least $500, of their student contribution amount up front.
If you take out a HECS-HELP loan, the Commonwealth pays the loan amount directly to Deakin on your behalf and a HECS-HELP debt is recorded for you with the Australian Taxation Office.
- Students must be Australian citizens or holders of a permanent humanitarian visa, in a CSP
- New Zealand citizens and holders of a permanent visa in a CSP are unable to access this loan scheme and are required to pay the full student contribution amount up front.
Note From 1 January 2013, a person will not be eligible for Commonwealth support or a HELP loan if a higher education provider reasonably expects the person will not undertake any of their course of study in Australia.
Student contribution payment methods
- Pay all of your student contribution up front and receive a HECS-HELP discount of 10% i.e. you only pay 90% of your contribution amount.
- Receive a HECS-HELP loan for the full student contribution (previously referred to as deferring your HECS).
- Pay some of your student contribution up front (and receive a 10% discount on payments over $500) and receive a HECS-HELP loan for the balance.
How to apply for HECS HELP
If you would like to obtain HECS-HELP please complete an electronic Commonwealth Assistance Form (eCAF) via StudentConnect.
Visit the HECS-HELP page on www.studyassist.gov.au.
FEE-HELP is a loan programme that assists eligible fee paying students to pay their tuition fees at higher education providers.
- Students must be Australian citizens or holders of a permanent humanitarian visa, in a fee-paying place
- Holders of other permanent visas are not eligible for FEE-HELP unless they are undertaking a bridging course for overseas trained professionals
Courses eligible for FEE-HELP
- Accredited undergraduate award programs
- Accredited postgraduate award programs
- Bridging courses for overseas trained professionals to enable them to meet the requirements for entry into their profession in Australia
- Courses to enable students to meet the requirements for entry into an award program
- Units of study made available by higher education providers, access to which was provided by Open Learning Australia
Note From 1 January 2013, a person will not be eligible for a HELP loan if a higher education provider reasonably expects the person will not undertake any of their course of study in Australia.
FEE-HELP limits in 2014
$120 002 for Medicine, Dentistry, Veterinary Science
$122 162 for Medicine, Dentistry, Veterinary Science
The FEE-HELP limit is the maximum that a student can borrow under FEE-HELP over their lifetime. This limit excludes any loan fee.
A loan fee of 25% applies to FEE-HELP loans for undergraduate courses of study only.
How to apply for FEE HELP
If you would like to obtain FEE-HELP please complete an electronic Commonwealth Assistance Form (eCAF) via StudentConnect.
Visit the FEE-HELP page on www.studyassist.gov.au.
Eligible students who do not wish to pay the Student Services and Amenities Fee (SSAF) upfront to the University can request assistance from the Commonwealth, and defer the fee through an element of the Higher Education Loan Program (HELP) known as SA-HELP.
The amount of the loan will be added to the student's accumulated HELP debt.
Student contribution payment methods
Eligible students may choose to:
- pay some of the fee upfront and obtain a SA-HELP loan for the remainder
- obtain a loan for the full amount of the fee.
- be Australian citizens or holders of a permanent humanitarian visa who are residing in Australia
- be enrolled in an eligible course of study with a higher education provider
- meet the Tax File Number (TFN) requirements
- complete the online SA-HELP form by the census date each Trimester/Semester.
How to apply for SA-HELP
To apply for SA-HELP go to StudentConnect and select the SA-HELP menu option.
Visit the SA-HELP page on www.studyassist.gov.au.
OS-HELP is a loan scheme that assists eligible Commonwealth supported students, who are based in Australia, to undertake some of their study overseas. The purpose of OS-HELP is to assist students with their study travel expenses, such as airfares and accommodation.
Deakin University administers OS-HELP in accordance with the Department of Education guidelines.
Eligible students may borrow one loan (up to the maximum amount) per six-month study period for one or two study periods of overseas study. A student may only receive a maximum of two OS-HELP loans over their lifetime.
An OS-HELP debt will be incurred when the OS-HELP loan amount is received.
OS-HELP limit (maximum amount you can borrow):
or $7500 if you are studying in Asia (in one of 26 eligible countries), plus a supplementary amount of $1000 if you will be undertaking Asian language study in preparation for study in Asia.
or $7635 if you are studying in Asia (in one of 26 eligible countries), plus a supplementary amount of $1018 if you will be undertaking Asian language study in preparation for study in Asia.
To be eligible to apply for OS-HELP assistance, you must:
- be an Australian citizen or the holder of a permanent humanitarian visa
- have not received OS-HELP assistance for overseas study on more than one other occasion (not including supplementary amounts for Asian language study)
- be enrolled in an undergraduate or postgraduate course of study at Deakin University
- have already successfully completed at least 8 credit points (1 EFTSL) as a Commonwealth Supported student (on HECS) that counts towards the same course of study the overseas study counts towards at Deakin University
- have at least 1 credit point (0.125 EFTSL) of study to complete in your course on completion of your overseas study
- be enrolled full-time (i.e. enrolled in units amounting to at least 75% of a full-time load) in an approved study program and will be undertaking that study outside Australia
- have your overseas study count as credit for the course in which you are enrolled at Deakin
- have not been granted OS-HELP assistance by another university for an overlapping six month period
- be selected to take part in an overseas program by Deakin and appropriately enrolled on Student Connect in the unit(s) required for that program
- have not completed the overseas study before making an application for an OS-HELP loan.
How to apply for OS-HELP
- Read the above Eligibility Criteria and Frequently asked questions about OS-HELP page prior to applying.
- If your study is in Trimester 1, 2 or 3* 2014, please complete the OS-HELP application form relevant to the region(s) in which you are studying:
OS-HELP Application (Asia bound countries) 2014 if you are studying in Asia (one of 26 eligible countries) or
OS-HELP Application 2014 if you are studying in any other region (North America, Europe, Middle East, South America etc.)
- * If your study is in 2015 but relates to Trimester 3 2014 please complete the current 2014 application form.
- If you are undertaking an Exchange or Study Abroad program which relates to Trimester 1 2015 but commences in January/February 2015 you can choose to complete the 2014 OS-HELP application form. Please be aware the loan amounts will be lower than the 2015 OS-HELP program and once paid cannot be changed.
- If your study is for Trimester 1, 2 or 3 2015, OS-HELP applications will not be open until early January 2015. A 2015 OS-HELP application form will be available early December 2014..
- Send the application form to:
Applications for the 2014 OS-HELP Program close Wednesday 10 December 2014.
Applications for the 2015 OS-HELP Program open Wednesday 7 January 2015 and the application will be available soon.
Where there are more applications than can be supported by the available funding, loans will be awarded on the following given to students who:
- are undertaking study in the current academic year
- can demonstrate financial hardship and/or educational disadvantage
- loans will be allocated on the basis of academic merit using the students' weighted average marks in their previous studies in their current course.
Changes to HELP
Existing changes to the Higher Education Loan Program (HELP)
- Changes to the HECS-HELP discount and voluntary repayment bonus
- The Australian Taxation Office (ATO) has advised of changes to the issuing of Higher Education Loan Program (HELP) and Financial Supplement statements.
This website provides up-to-date information about Australian Government assistance for financing tertiary study. For more information, visit www.studyassist.gov.au or call 1800 020 108.
This website contains tax information for individuals or students about schemes that support education being undertaken. For more information, visit www.ato.gov.au.
Other financial support
Deakin can help you navigate through the various types of financial support available to you while you study. Some of that support comes from the University and some from the government.
Deakin financial assistance can help you with budgeting and how to manage and avoid debt. Find out about grants and loans that can help you cover study and living expenses.
Government financial assistance with living expenses is also available, including Centrelink benefits, Health Care Cards and help paying a bond when renting.
Scholarships and awards - we offer a wide range of scholarships to help students from many different backgrounds pay for their university fees. Students may also be eligible for prizes and awards.