Advance America Online



You can get a HECS-HELP loan to pay for your studies when you attend university or an approved higher education provider. You are able to just get yourself A hecs-help loan if you’re signed up for a Commonwealth supported destination (CSP).

A HECS-HELP loan doesn’t protect expenses like accommodation, laptops or text publications.


Your provider shall assess your eligibility for a HELP loan up against the criteria below. When you yourself have any relevant concerns, please contact your provider.

To have a loan that is hecs-help you have to:

  • be learning in a Commonwealth supported spot.
  • be an Australian citizen and meet the residency requirements (you must study at part that is least of your program in Australia).
  • be a fresh Zealand Special Category Visa (SCV) holder or permanent visa that is humanitarian and meet up with the residency needs.
  • submit the ask for Commonwealth help and HECS-HELP form to your provider because of the census date.
  • be signed up for each unit/subject at your provider because of the census date.
  • not have currently lent as much as your HELP loan limitation.

Simply how much may I borrow?

It is possible to borrow as much as the combined HELP restriction to cover your tuition charges. This consists of all FEE-HELP, VET FEE-HELP and Vet figuratively speaking and any loans that are HECS-HELP from 1 January 2020.

When you go with your HELP loan limitation, the total amount of ASSISTANCE you have remaining to borrow is called your available ‘HELP stability’.

For 2020, the HELP loan limitation is $106,319. In the event that you intend to study medicine, dentistry or veterinary science ultimately causing initial enrollment, or qualified aviation courses the HELP loan limitation is $152,700.

Your HELP stability is renewable. Any compulsory or voluntary repayments beginning with the 2019-20 earnings 12 months will top up a person’s HELP stability. These repayments will soon be placed on a man or woman’s HELP stability from 1 July 2020 onwards. Repayments may be re-borrowed down the road, as much as the present HELP loan limitation.

You are able to always check you HELP balance on myHELPbalance

To check on your balance you must know your Commonwealth advanced schooling pupil support number (CHESSN). A CHESSN is just an unique distinguishing number. It’s important which you just get one CHESSN


To try to get A hecs-help loan, you’ll need an income tax file number (TFN) and a request Commonwealth help and HECS-HELP kind, which your college or maybe more training provider will provide you with.

Your kind must certanly be filled in and presented to your provider ahead of the census date (or administrative date).