FEE-HELP is for eligible full-fee paying students and covers up to 100% of your tuition fees.
What it covers
The maximum amount you can borrow in your lifetime (called the FEE-HELP limit) is fixed by the Australian Government.
This amount includes all FEE-HELP and VET FEE-HELP loans that you have taken out and cannot be increased even if you have repaid some, or all, of your previous loans.
It is your responsibility to be aware of your FEE-HELP balance and to advise your education provider if you do not have sufficient balance to cover your tuition fees. If your tuition fee exceeds your FEE-HELP balance you can only get a loan up to your balance. You will need to pay the rest up-front. You can check your FEE-HELP balance via myUni Assist.
To be eligible to apply for FEE-HELP you must be:
- a full-fee paying student at RMIT
- an Australian citizen or the holder of an Australian permanent humanitarian visa*
- enrolled as either an:
- undergraduate, or
- postgraduate by coursework, or
- research student.
*New Zealand Citizens and Permanent residents are not eligible for FEE-HELP.
Loan payment and repayment
If your loan application is successful the Australian Government will pay RMIT, on your behalf, up to 100% of your tuition fees. This amount will become part of your accumulated HELP debt.
You only start repaying your accumulated HELP debt to the Australian Government once you earn above the minimum income threshold for repayment, which is set each year by the Australian Government, even if you are still studying. The Australian Taxation Office (ATO) will calculate your compulsory repayment for the year and include this on your income tax notice.
In addition to the compulsory repayments, you can:
- at any time make voluntary repayments to the ATO
- benefit from a bonus of 5% added to any repayments you make of $500 or more.
The Australian Government’s Study Assist website has more information about paying back your HELP loan.
Costs and charges
A loan fee of 25% applies to FEE-HELP loans for undergraduate courses.
There is no loan fee if you are applying for FEE-HELP for postgraduate courses.
No interest applies but your 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 for FEE-HELP you MUST READ the Australian Government’s FEE-HELP information booklet.
Once you have read the booklet 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)
- fill in the FEE-HELP eCAF
- provide your tax file number (TFN)
- submit your completed eCAF.
- If you are eligible for FEE-HELP and do not provide a valid TFN by the course/s census date/s you will not be entitled to a FEE-HELP loan and will need to pay your tuition fees up-front to the University.
- You must complete a separate eCAF for each program for which you want FEE-HELP.
- If you change your enrolment and commence a new program of study, you will need to submit a new Request for FEE-HELP assistance form for that program, in order to defer your tuition fees.
- You must apply for FEE-HELP before the census date/s for courses for which you are seeking assistance. If you do not, you will be unable to defer your fees with FEE-HELP and will have to pay your fees upfront to the university.
After you apply
Approval and notification process
RMIT will assess your FEE-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 still receive a tax invoice each semester outlining your tuition fees and charges. If you choose to make up-front payments, they will be deducted from the amount that the government lends you through the loan scheme. There is no discount available on these up-front payments.
If you wish to defer all or part of your tuition fees, 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. material or administration 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.
Removal of debt due to special circumstances
If, because of special circumstances, you need to withdraw from your program/course after the census date then you can apply to have your HELP debt remitted.
For more information, including a definition of special circumstances and by when your application must be submitted, please download the Application for remission (removal) of debt in special circumstances form.