Find out if you're eligible for a VET Student Loan and how to apply.
New Middle Name field in Australian Government eCAF portal
As of 1 January 2023, the Australian Government has introduced a Middle Name field in the eCAF portal where you submit your application for HELP loans and VET Student Loans. In the short term, your middle name will appear in the First Name field. You don't need to do anything about this. You may continue to submit your eCAF via the portal.
Find out if you're eligible on the Australian Government’s VET Student Loans website.
VET Student Loans are only available to students in approved courses at the diploma level and above. Find out which RMIT courses are approved for VET Student Loans.
The Royal Melbourne Institute of Technology advises that:
If you’re not eligible, or don't apply before your census date, you must pay your fees by the due date or your enrolment will be cancelled.
There are a few things to check before you apply for a VET Student Loan.
When you submit a request for a VET Student Loan to the government, you are declaring that you have read and understood the booklet and your obligations before you access the loan.
To be eligible for a VET Student Loan, you must verify your citizenship. This is part of the enrolment process in Enrolment Online. If you haven't already done so, verify your citizenship now.
The USI is your life-long individual education number. It’s a government requirement that you have a USI to enrol in a vocational education program.
You must have a Tax File Number (TFN) or certificate of application for a TFN to apply for a VET Student Loan. If you don't have a TFN, apply for one now.
Your TFN must also validate on your loan application. Once you have a TFN, confirm the details with the Australian Taxation Office (ATO) before submitting your application.
You need to complete the VET Student Loans Parental Consent Form and submit it via the Student Connect portal at least 5 business days before your census date.
Follow the steps below to apply for and keep track of your VET Student Loan. You must submit your VET Student Loan application before the census date for the classes you want the loan to cover.
For detailed information about how to apply, refer to the Australian Government’s VET Student Loan eCAF fact sheet.
Check your VET Student Loan checklist in Enrolment Online to ensure you've met all eligibility criteria.
To see your VET Student Loan checklist
You’ll be prompted to indicate if you intend to access a VET Student Loan when you enrol in Enrolment Online. A notification email will be sent to your RMIT student email address confirming your response.
If you did not apply for a VET Student Loan during enrolment, but would now like to access one, follow these steps:
Once you've requested a VET Student Loan eCAF, an email will be sent to your RMIT student email address from the Department of Employment and Workplace Relations.
Read the email and follow the instructions to log in to the government’s eCAF portal and begin your application.
If you can’t find your email, make sure to check your spam folder.
Follow the prompts within the eCAF portal to complete your application. For additional information about the details you must provide, refer to the government's VET Student Loan eCAF fact sheet.
As part of your application, you must enter your TFN or certificate of application for a TFN on your eCAF.
Unless your TFN successfully validates with the Australian Taxation Office, your FEE-HELP loan will not be approved and your tuition fees must then be paid in full to RMIT by the due date.
Can’t validate your TFN?
If you get an email advising of problems with your Tax File Number, immediately follow the instructions to validate your TFN.
Remember to submit your application before your first census date.
There are no provisions to backdate your loan application if you submit after your census date.
You must complete all progression forms issued by the government. They're issued in February, June and October of each year. The Department will send an email to your nominated email account when it's time to complete your progression forms.
If you don’t submit your progression forms, your VET Student Loan will be cancelled and you’ll need to pay your tuition fees to RMIT.
For more information, go to VET Student Loans – Student Progression Fact Sheet.
Your loan is not approved unless you have been issued with a VET Student Loan approval letter.
Once you submit your eCAF, with a validated Tax File Number, it will be approved and a loan approval letter will be issued to you the next day.
Follow these steps to access your loan approval letter:
If you're transitioning into a new version of your training package or enrolling in a new program, you’ll need to re-apply for a VET Student Loan following the steps above.
Your Commonwealth Assistance Notice (CAN) outlines the VET Student Loan debt you've incurred and any upfront payments you've made towards your fees.
RMIT will issue you with a Commonwealth Assistance Notice (CAN) within 28 days of each class census date. A notification email will be sent to your RMIT student email account and your nominated personal email when your CAN is available.
If there are any discrepancies between your VET Student Loan debt and the amount you were expecting to pay, you have 14 days from the CAN issue date to submit a written request for a correction.
To view or print your Commonwealth Assistance Notice
The Australian Government sets a VET Student Loan Program Loan Cap for your program. This is the maximum amount of tuition you can defer to your VET Student Loan for this program, and includes any study in the same program at a different provider.
Your Program Loan Cap is displayed on your eCAF and on your invoice. Once you reach your loan cap, you'll need to pay any remaining tuition fees by the due date.
Caps are indexed annually. For more information, go to VET Student Loans Course Caps Indexed Amounts.
There's a combined limit to how much you can borrow under HECS-HELP, FEE-HELP, VET-FEE-HELP and VET Student Loans. This is called your HELP loan limit.
If you’ve reached your combined HELP loan limit, you’ll need to pay your student contribution (tuition fees) before the census date to ensure your enrolment isn't cancelled.
How to check your combined HELP loan limit
Go to the myHELP balance portal to find out your current HELP limit and how much of your HELP balance you have left to borrow. For more information about the combined HELP limit, go to Study Assist.
Your FEE-HELP loan doesn’t cover the Student Services and Amenities Fee (SSAF) or other administrative fees.
Acknowledgement of Country
RMIT University acknowledges the people of the Woi wurrung and Boon wurrung language groups of the eastern Kulin Nation on whose unceded lands we conduct the business of the University. RMIT University respectfully acknowledges their Ancestors and Elders, past and present. RMIT also acknowledges the Traditional Custodians and their Ancestors of the lands and waters across Australia where we conduct our business - Artwork 'Luwaytini' by Mark Cleaver, Palawa.