The Australian Government administers the Higher Education Loan Program (HELP)

There are four types of  Higher Education Loan Program (HELP) loans that Griffith students may be eligible for.

The right loan for you will depend on your circumstances, eligibility and citizenship status.

HECS-HELP provides eligible Commonwealth supported students with a loan to pay all or part of their student contribution.

There is no financial limit to the amount of HECS-HELP an eligible student can access.

Not all Commonwealth supported students are eligible for HECS-HELP. Permanent resident visa holders and New Zealand citizens (who do not meet the eligibility requirements) must pay their student contribution in full by the census date.

Citizenship and residency requirements

To be eligible for HECS-HELP, a student must be:

  • a Commonwealth supported student; and
  • an Australian citizen who will undertake in Australia, at least one unit of your course of study, OR
  • an Australian permanent humanitarian visa holder who will be resident in Australia for the duration of your unit(s) of study, OR
  • a New Zealand Special Category Visa (NZ SCV) holder who meets the long-term residency requirements, and who will undertake in Australia, at least one unit of your course of study, and
  • have read the Commonwealth supported places and HECS-HELP information booklet.

New Zealand citizens

New Zealand citizens who hold a Special Category Visa must meet eligibility criteria and provide proof of long-term residency to be eligible for a HECS-HELP loan. A student must:

  • have first entered Australia at least 10 years ago, as a dependent minor aged under 18 years of age; and
  • at the time did not have a spouse or de facto partner; and
  • have been physically present in Australia for at least eight out of the 10 years and 18 months out of the past two years; and
  • be resident in Australia for the duration of their unit; and
  • meet the other eligibility for a HELP loan under the Higher Education Support Act 2003 (HESA)

For the University to be able to assess eligibility, a student must lodge a Request for an International Movement Record from the Department of Home Affairs. While this is a free service it may take 2–4 weeks for the Department of Home Affairs to process the request.

Please note: The date range used to request this record should be from the date the student arrived to live permanently in Australia, up until the date that the application is lodged.

Students must supply this proof of long-term eligibility to the University for assessment prior to the Census Date for all courses in the relevant Trimester.

Further information on New Zealand Special Category Visa eligibility and requirements is available on StudyAssist.

All students must complete the following by the census date:

  • a Request for Commonwealth support and HECS-HELP form; and
  • provide their Tax File Number
  • a current International Movement Record from Department of Home Affairs.
    This is only required for eligible New Zealand students applying for HELP loans for the first time

Notification of Tax File Number

Student Contribution payment options are as follows:

  • pay the full student contribution amount by the census date
  • receive a HECS-HELP loan for the full student contribution amount
  • make a partial upfront payment of the student contribution and receive a HECS-HELP loan for the balance

SA-HELP provides a loan to eligible students to pay their student services and amenities fee. Eligible students can choose to defer all or part of their fee for the relevant year.

Australian permanent residents are not eligible for SA-HELP.

They must pay their student services and amenities fee in full by the census date, unless they are approved for a Griffith University Academic Payment Plan.

Citizenship and residency requirements

To be eligible for SA-HELP, a student must be:

  • an Australian citizen, or a Special Category Visa (NZ SCV) holder who meets the long-term residency requirements, or a permanent humanitarian visa holder, and
  • enrolled in a course of study, and be studying at least one unit of your course in Australia, and
  • have read the SA-HELP information booklet.

Note: Cross-institutional students are not eligible for SA-HELP.

New Zealand citizens

New Zealand citizens who hold a Special Category Visa must meet eligibility criteria and provide proof of long-term residency to be eligible for a SA-HELP loan. A student must:

  • have first entered Australia at least 10 years ago,as a dependent minor aged under 18 years of age; and
  • at the time did not have a spouse or de facto partner; and
  • have been physically present in Australia for at least eight out of the 10 years and 18 months out of the past two years; and
  • be resident in Australia for the duration of their unit; and
  • meet the other eligibility for a HELP loan under the Higher Education Support Act 2003 (HESA)

For the University to be able to assess eligibility, a student must lodge a request for an International Movement Record from the Department of Home Affairs. While this is a free service it may take 2-4 weeks for the Department of Home Affairs to process the request.

Please note: The date range used to request this record should be from the date the student arrived to live permanently in Australia, up until the date that the application is lodged.

Students must supply this proof of long term eligibility to the University for assessment prior to the Census Date for all courses in the relevant Trimester.

Further information on New Zealand Special Category Visa eligibility and requirements is available on StudyAssist.

The student must complete the following by the census date:

  • a Request for SA-HELP assistance form and
  • provide their Tax File Number
  • a current International Movement Record from Department of Home Affairs.
    This is only required for eligible New Zealand students applying for HELP loans for the first time

Notification of Tax File Number

FEE-HELP provides a loan to eligible fee-paying undergraduate or postgraduate students.

Eligible students may borrow up to the FEE-HELP limit to pay their tuition fees only.

The FEE-HELP limit in 2018 is $127 992 for medicine, dentistry and veterinary science students (as defined in the Higher Education Support Act 2003) and $102 392 for all other students.

A 25% loan fee applies to FEE-HELP loans taken out by undergraduate fee-paying students (there is no loan fee for postgraduate students or for students enrolled in an enabling program). The loan fee does not count towards the borrowing limit.

Citizenship and residency requirements

To be eligible for FEE-HELP, a student must be:

  • an Australian citizen, or a New Zealand Special Category Visa (NZ SCV) holder who meets the long-term residency requirements, and will study at least one unit of your course of study in Australia, OR
  • a permanent humanitarian visa holder who will be resident in Australia for the duration of your unit(s) of study, OR
  • a permanent visa holder undertaking bridging study for overseas-trained professionals who will be resident in Australia for the duration of your unit(s) of study, and
  • have read the FEE-HELP information booklet.

New Zealand citizens

New Zealand citizens who hold a Special Category Visa must meet eligibility criteria and provide proof of long-term residency to be eligible for a FEE-HELP loan. A student must:

  • have first entered Australia at least 10 years ago,as a dependent minor aged under 18 years of age; and
  • at the time did not have a spouse or de facto partner; and
  • have been physically present in Australia for at least eight out of the 10 years and 18 months out of the past two years; and
  • be resident in Australia for the duration of their unit; and
  • meet the other eligibility for a HELP loan under the Higher Education Support Act 2003 (HESA)

For the University to be able to assess eligibility, a student must lodge a request for an International Movement Record from the Department of Home Affairs. While this is a free service it may take 2–4 weeks for the Department of Home Affairs to process the request.

Please note: The date range used to request this record should be from the date the student arrived to live permanently in Australia, up until the date that the application is lodged.

Students must supply this proof of long-term eligibility to the University for assessment prior to the Census Date for all courses in the relevant Trimester.

Further information on New Zealand Special Category Visa eligibility and requirements is available on StudyAssist.

The student must complete the following by the census date:

  • a Request for FEE-HELP assistance form; and
  • provide their Tax File number
  • a current International Movement Record from Department of Home Affairs.
    This is only required for eligible New Zealand students applying for HELP loans for the first time

Notification of Tax File Number

Eligible students can apply for an OS-HELP loan which is a loan scheme provided by the Australian Government specifically to support overseas study. It is not considered a grant, therefore approved students can receive this loan as well as a grant.

OS-HELP

Important notice:

The Australian Government will not proceed with changes proposed in the 2017 Higher Education Reform Package in regards to access to the Higher Education Loan Program (HELP) to all Australian permanent residents and all New Zealand citizens. Eligibility for access to a Commonwealth supported place (CSP) will remain as per the established legislation.

Permanent humanitarian visa holders and New Zealand Special Category Visa holders who meet the long-term residency requirements will continue to be eligible for both a Commonwealth Supported Place and HELP loans.

Further details can be found on the Higher Education Reform Student FAQS.

Key Dates

Find out key dates relating to your fees

HELP loan repayment

You will start to repay your HELP debt through the taxation system once your repayment income is above the compulsory repayment threshold, even if you are still studying.

For the 2017-18 income year, the compulsory repayment threshold is $55 874.

The amount you repay each year is a percentage of your repayment income. The percentage increases as your income increases, so the more you earn, the higher your repayment will be. The Australian Tax Office (ATO) will calculate your compulsory repayment for the year and include it on your income tax notice of assessment.

HELP repayment thresholds and rates

For further information on your HELP debt, please contact the ATO on 13 28 61.

Commonwealth Higher Education Student Support Number (CHESSN)

Each trimester the University is required to send a Commonwealth Assistance Notice (CAN) to all students who are Commonwealth supported for a course and/or received Commonwealth assistance in the form of a HELP loan. A student can access their CAN via myGriffith. A CAN is issued within 28 days of the census date.

If you think there is a mistake in your CAN , you have fourteen days from its date of issue to make a written request to tell Student Administration what you think is wrong and why.

You are able to find out your total HELP debt by contacting the Australian Taxation office on 13 26 61 or by logging onto the myUniAssist database.

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