An SA-HELP loan allows you to defer paying your student services and amenities fee (SSAF).
What it covers
- The maximum amount you can borrow in 2016 is $290.
- The maximum amount you can borrow in 2017 is $294.
To apply for an SA-HELP loan you must be:
- charged the student services and amenities fee (SSAF)
- enrolled in a higher education program at RMIT
- an Australian citizen, an Australian permanent humanitarian visa holder, or an eligible New Zealand Special Category Visa holder.
Loan payment and repayment
If your loan application is successful the Australian Government will pay RMIT, on your behalf, up to the full amount of your SSAF. This amount will become part of your accumulated HELP debt.
You only start repaying your accumulated HELP debt once you earn above the minimum income threshold for repayment, which is set each year by the Australian Government. Repayments will be automatically deducted from what you earn by the Australian Tax Office (ATO).
The Australian Government’s Study Assist website has more information about paying back your HELP loan.
Costs and charges
There is no application fee and no interest charged. However, your accumulated HELP debt will be indexed annually by the ATO to maintain its real value in line with the Consumer Price Index (CPI).
How to apply
Before you apply you MUST READ the Australian Government’s SA-HELP information booklet.
Once you have read the booklet, and provided you have been charged the SSAF, you can:
- log in to myRMIT and select Enrolment Online
- select the My student record button
- under Financial details select View / apply for Commonwealth Assistance (eCAF)
- select the Apply button for SA-HELP and fill in the SA-HELP eCAF
- supply your tax file number (TFN)
- submit your completed eCAF.
- You only have to apply once for SA-HELP for each program.
- You must apply before the census date of the first semester from which you want SA-HELP.
- If you do not apply before the census date, you will be unable to defer your student services and amenities fee with SA-HELP and will have to pay your fees upfront for that semester.
- You must complete a separate eCAF for each program for which you want SA-HELP. If for any reason you change your enrolment and commence a new program of study, you will need to submit a neweCAF for that program, in order to defer your student services and amenities fee.
After you apply
Approval and notification process
RMIT will assess your SA-HELP application after you submit it. If your application is approved, RMIT will send an email to your RMIT student email account that advises you to view your HELP approval letter in Enrolment Online.
Your HELP approval letter contains important information about the terms of your HELP loan. To view and print your HELP approval letter, log into myRMIT and select the Enrolment Online link. Select the My student record button. Under Financial details, select View HELP approval letters.
Your tax invoice and making payments
You will receive a tax invoice each semester outlining your tuition fees and charges including your student services and amenities fee. If you wish to defer all or part of your student services and amenities fees to SA-HELP you are not required to make a payment for that amount. The amount that you wish to defer will be deferred after the semester census date. However, you are still required to pay all other fees and charges by the original due date listed on your invoice e.g. tuition fees or material fees.
Commonwealth Assistance Notice (CAN)
A Commonwealth Assistance Notice (CAN) is an official statement from RMIT outlining the HELP loan or student contribution payment option you have chosen and any HELP assistance you have received. Learn more about your CAN including how to access it.