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Financial assistance

Government help

Higher Education Loan Programme (HELP) loans

Australians and permanent humanitarian visa holders may request a Higher Education Loan Programme (HELP) loan.

There are a number of HELP loans:

  • HECS-HELP – pay a student contribution.
  • FEE-HELP – pay a private provider.
  • OS-HELP – pay for overseas study.
  • SA-HELP – pay for all or part of student services and amenities fee.
  • VET FEE-HELP – pay VET tuition fees.

Visit the Study Assist website for more details.


  • Youth Allowance – for eligible full-time students or apprentices aged 24 or younger.
  • ABSTUDY – for Aboriginal and Torres Strait Islander students.
  • Austudy – for full-time students aged 25 and over.
  • Pensioner Education Supplement – for some Services Australia and Department of Veterans’ Affairs payment recipients.
  • Relocation Scholarship – an annual payment to help you move from a regional or remote area for higher education study.
  • Student Start-up Loan – a voluntary loan you can get up to twice a year if you’re an eligible higher education student.
  • Fares Allowance – helps with travel costs between your permanent home and your place of tertiary study.
  • Tertiary Access Payment – a payment to help students with the cost of moving from outer regional or remote areas for tertiary study.
  • Other concessions and allowances – includes Health Care Card or Rent Assistance.


Institution help

Institution scholarships

Most institutions offer scholarships, including equity scholarships that assist regional students, Aboriginal and/or Torres Strait Islander students, and students from low-income backgrounds access study.

You must apply to the institution directly for most scholarships, except:

For these two, apply for the Financial Hardship category of our Educational Access Scheme in your QTAC application.

Contact the relevant institution for more details.

Institution loans

Some institutions offer student loans.

Contact the relevant institution for more details.

Industry help

Industry scholarships

Some companies offer scholarships through institutions.

Contact the relevant institution for more details.

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