Are you eligible for HECS-HELP?

You must be enrolled in a Commonwealth Supported Place (CSP) and meet the citizenship requirements to apply. Check on the Australian Government’s Study Assist website for more information.

If you’re not eligible, or don't apply before your census date, you must pay your fees by the census date or your enrolment will be cancelled. This is a government requirement of enrolling into a CSP.

If you’re an Australian Permanent Resident non-Humanitarian Visa holder and/or New Zealand Citizen, go to the Non-Australian citizens page on the Australian Government website. 

Before you apply

How to apply

Submit your HECS-HELP application before the census date for the classes you want the loan to cover.

Step 1: Complete the electronic Application for Commonwealth Assistance Form (eCAF)

You’ll be prompted to do this during the enrolment process.If you did not apply for a HECS-HELP loan while completing your eCAF, but would now like to access one, you can request a revision to your eCAF by contacting RMIT Student Connect

Step 2. Log in to the government portal

Once you have requested an eCAF, an email will be sent to your RMIT student email address from the Department of Education, Skills and Employment.

Read the email and follow the instructions to log in to the government’s eCAF portal and begin your application. 

Step 3: Indicate that you want a HECS-HELP loan

Indicate this on your eCAF. You must submit your eCAF before you can complete your enrolment.

Step 4. Enter your Tax File Number (TFN)

Enter your TFN or Certificate of application for a TFN on your eCAF.

Unless your TFN successfully validates with the Australian Taxation Office, your HECS-HELP loan will not be approved and your student contribution (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 these instructions.

Step 5. Submit your application via the government's eCAF portal

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.

Step 6. Make sure your HECS-HELP loan is approved

Your loan is not approved unless you have been issued with a HECS-HELP 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:

  • Log in to Enrolment Online.
  • Select My student record.
  • Under Financial details, select View Commonwealth assistance approval letter.

Step 7. Know and track your loan limit

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. If you don’t pay your remaining fees, your enrolment will be cancelled after the census date for failing to meet the requirements of your CSP.

How to check your combined HELP loan limit
  • Find out your current HELP limit and how much of your HELP balance you have left to borrow by visiting myHELP balance portal.
More information

Remember to pay your non-tuition fees

Your HECS-HELP Loan doesn’t cover the Student Services and Amenities Fee (SSAF) or other administrative fees. You may be eligible to apply for SA-HELP to cover SSAF. Otherwise, you’ll need to pay it upfront.

Your Commonwealth Assistance Notice

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.

The CAN will outline the HECS-HELP debt you've incurred and any upfront payments you've made towards your fees. If there are any discrepancies between your HECS-HELP 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:

  • Log in to Enrolment Online and select My student record.
  • Under Financial details, select View Commonwealth Assistance Notices (CANs).

Starting a new program?

If you change your program and/or enrol in a new program, you’ll need to submit a new Request for Commonwealth Assistance and HECS-HELP assistance form for that program following the steps above.

Need help?

If you need further assistance with HECS-HELP, contact RMIT Connect.