Commonwealth assistance - HELP loans and VET Student Loans

The Australian Government provides financial assistance in the form of the HELP loans and VET Student Loans schemes.

A Commonwealth assistance loan can help eligible students to pay tuition fees, the student services and amenities fee, or to meet overseas study travel expenses.

The different loans schemes are:

HECS-HELP loans

HECS-HELP is for eligible students in a Commonwealth supported place (CSP) and allows you to defer payment of up to 100% of your student contribution.

To find out about HECS-HELP and if you’re eligible to apply, go to the Government’s Study Assist website.

If you've been offered a Commonwealth supported place, you'll be automatically prompted to complete an application for HECS-HELP when you enrol in your RMIT program.

FEE-HELP loans

FEE-HELP is for eligible full-fee paying students and covers up to 100% of your tuition fees.

To find out about FEE-HELP and if you’re eligible to apply, go to the Government’s Study Assist website.

Once you’ve confirmed your eligibility, it’s easy to apply. When you enrol in Enrolment Online, you’ll be asked to indicate which optional loan/s, including FEE-HELP, you want to apply for. You’ll then get an email from the Government with further instructions on how to apply.

VET Student Loans

VET Student Loans (VSL) are available to eligible students in eligible vocational education programs.

To check your eligibility to apply for a VET Student Loan, go the Government's Study Assist website.

Browse the list of RMIT programs that are eligible for a VET Student Loan from the lists below. Note that in some eligible programs, the VET Student Loan does not cover the full amount of the tuition fee - these programs are listed under the heading Eligible programs - loan amount does not cover subsidised tuition fees.

The above list of RMIT programs and VSL caps is correct as of January 2019. The maximum loan amount for a program is indexed on 1 January each year. This web page will be updated with the indexed amounts as soon as they are published by the Australian Government.

The student tuition fees as published are subject to change based on individual circumstances at enrolment. Fees are adjusted on an annual basis and these fees apply to 2019 only.

The above list of RMIT programs and VSL caps is correct as of January 2019. The maximum loan amount for a program is indexed on 1 January each year. This web page will be updated with the indexed amounts as soon as they are published by the Australian Government.

The student tuition fees as published are subject to change based on individual circumstances at enrolment. Fees are adjusted on an annual basis and these fees apply to 2019 only.

If your program is eligible for the VET Student Loans (VSL) scheme and it has:

  • no fee cap, then the VSL will cover the tuition fees for that program (unless it is removed from the list in the future).
  • a fee cap that doesn’t cover the total amount of the subsidised tuition fees for your program, then you’ll need to pay the difference in the tuition fees once you exceed the cap - this is most likely to occur in the final term of your program.


It’s important to note
 that The Department of Education and Training will only allocate RMIT a capped amount of funding for VSL loans and that this may not cover all eligible student loans. You should therefore apply as soon as possible.

SA-HELP loans

An SA-HELP loan allows you to defer paying your student services and amenities fee (SSAF).

To find out about SA-HELP and if you’re eligible to apply, go to the Government’s Study Assist website.

Once you’ve confirmed your eligibility, it’s easy to apply. When you enrol in Enrolment Online, you’ll be asked to indicate which optional loan/s, including SA-HELP, you want to apply for. You’ll then get an email from the Government with further instructions on how to apply.

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Acknowledgement of country

RMIT University acknowledges the people of the Woi wurrung and Boon wurrung language groups of the eastern Kulin Nations 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.

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