Higher Education Loan Program (HELP)

The Australian Government offers a Higher Education Loan Program (HELP) which provides eligible students with a loan to help pay for their tuition fees.

Repayments on these loans may be deferred until your income reaches over $49,096 in the 2012/2013 financial year (indexed each year).

There are three types of HELP available:

  • HECS-HELP for eligible Commonwealth Supported Students
  • FEE-HELP and VET FEE-HELP for eligible VET, Undergraduate and Postgraduate Australian Citizens
  • OS-HELP for eligible Commonwealth Supported Students who want to study overseas.


Commonwealth Supported Students



A Commonwealth Supported Student means that the Australian Government makes a substantial contribution to the cost of your education. You are required to pay the balance through Student Contributions.

To be a Commonwealth Supported Student you must be allocated a Commonwealth Supported Place. At Avondale, Commonwealth Supported Places (CSP) are only available for Domestic students studying teacher education or nursing. CSP's are allocated on the basis of academic merit.
Last Updated:27th September 2012
Updated By: Sharon Turner