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Study Now Pay Later with the Commonwealth Government student loan scheme.

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VET FEE-HELP is a student loan scheme that is funded by the Commonwealth Government to assist eligible students in Diploma level and above courses. VET FEE-HELP loans are not subject to income or assets tests.

VET FEE-HELP provides you with the option of:

  • Deferring all of your tuition fees; or
  • Paying some of your tuition fees upfront and deferring the balance

There is a loan fee of 20% for fee-for-service VET FEE HELP loans. Fee concessions are not available on fee-for-service courses offered by TAFE NSW.

From July 1 2014, VET FEE-HELP loans are also available to eligible students in NSW Government subsidised training places to pay their TAFE NSW fee for Diploma, Advanced Diploma and selected Certificate IV courses. There is no loan fee for VET FEE HELP loans to students in NSW Government subsidised training places. For more information about the fees for Government subsidised training places please visit Smart and Skilled - Prices, fees and subsidies in 2015-16.

Selected Certificate IV courses include:

  • CHC43015 Ageing Support
  • AHC40110 Agriculture
  • CHC43115 Disability
  • ICT40415 Information Technology Networking
  • SIT40212 Travel and Tourism

Am I eligible?

To be eligible for VET FEE-HELP you must:

  • Be an Australian citizen or a permanent humanitarian visa holder who will be resident in Australia for the duration of study
  • Be a New Zealand citizen on a Special Category Visa (SCV subclass 444) who meets the long-term residency requirements.*
  • Meet the academic suitability requirements of the TAFE NSW VET FEE-HELP Entry Procedure 
  • Provide a tax file number
  • Not exceed your FEE-HELP loan limit
  • Provide, or be allocated, a Commonwealth Higher Education Student Support Number (CHESSN) – a unique identifying number provided by the Australian government

 * Residency requirements for New Zealand citizens on a Special Category Visa:

  • arrived in Australia at least 10 years ago as a dependent child under 18 years of age and did not have a spouse or de-facto partner; and
  • ordinarily resident in Australia for the previous 10 years (that is, they have been physically present in Australia or at least eight of the past 10 years) and 
  • lived in Australia for at least 18 months of the last two years at the time of application for the loan.

Is VET FEE-HELP available for my course?

VET FEE-HELP is available for higher-level qualifications offered by TAFE NSW including:

  • All TAFE NSW Graduate Certificates and Graduate Diplomas
  • All TAFE NSW Diplomas and Advanced Diplomas, offered on a fee-for-service basis or through the Government subsidised Smart and Skilled program.
  • Selected trial Certificate IV courses - up until 31 December 2016 only (Government subsidised Smart and Skilled places only). Eligible Certificate IV trial courses are:
    • CHC43015 Ageing Support
    • AHC40110 Agriculture
    • CHC43115 Disability
    • ICT40415 Information Technology Networking
    • SIT40212 Travel and Tourism

VET FEE-HELP Tuition Fees are published as required under the Higher Education Support Act 2003 and are regularly updated. You can view the schedule of VET Tuition fees for each TAFE NSW Institute below:

SEMESTER 1, 2016 

Hunter Institute (PDF) 
Illawarra Institute (PDF)
North Coast Institute (PDF)
New England Institute (PDF)
Northern Sydney Institute (PDF) 
OTEN (Open Training and Education Network) (PDF) 
Riverina Institute (PDF) 
Sydney Institute (PDF) 
South Western Sydney Institute (PDF) 
Western Institute (PDF)
Western Sydney Institute (PDF)

How do I apply?

As with any loan you take in your lifetime, you must understand the terms and conditions before you sign up. Please read the Commonwealth VET FEE-HELP Information booklet carefully. Please also consider taking independent financial advice.

If you decide that taking a VET FEE-HELP loan is the best way for you to pay for your studies, you will not be able to apply for a loan at the same time as you enrol. It is a Commonwealth requirement that at least two business days elapse between enrolment and applying for a loan. Most students are able to apply for a loan online. Your college will send you a link when your eligibility is confirmed. Some students who need to provide evidence to support their eligibility, will be given a hard copy Request for VET FEE-HELP Assistance.

Student entry procedure

All students wishing to apply for a Commonwealth VET FEE-HELP student loan must be assessed for academic suitability to undertake a high level VET qualification. This is a student protection measure introduced by the Commonwealth Government from 1 January 2016.

This academic assessment is in addition to any entry requirements that may be required for the specific course you are undertaking. In high demand courses where there are more applicants than there are available places, there may also be additional selection criteria.

To be eligible for a VET FEE-HELP loan, you must meet one of the Commonwealth's criteria. You must either:

  • provide a copy of your senior secondary certificate of education from an Australian agency
  • undertake an approved literacy and numeracy assessment and meet the required standard. For more information see VET FEE-HELP Student Entry Procedure.

Credit transfer

Completing a high level qualification with TAFE NSW provides a great pathway to many university degrees. Find out more about getting credit where credit's due – TAFE to University.

How do I pay back the loan?

You repay your VET FEE-HELP loan through the Australian tax system when you reach the minimum income threshold for repayment. Information about the minimum income threshold is available on the Study Assist website (VET FEE-HELP).

More information – Study Assist website

Further information about VET FEE-HELP, including Frequently Asked Questions and information about FEE-HELP loan limits, may be found on the Study Assist website (VET FEE-HELP).

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Rights and responsibilities

If you are considering applying for VET FEE-HELP, you should familiarise yourself with your obligations by reading the VET FEE-HELP Information Booklet. Further information is also available in the TAFE NSW – VET FEE-HELP Policy.

TAFE NSW provides fair treatment and ensures equal benefits and opportunities for students who are entitled to VET FEE-HELP assistance.

Fair treatment

To ensure fair treatment for students, TAFE NSW has policies on a range of issues including student selection, entry requirements, assessment and equal opportunity.

Grievance procedures for academic matters

TAFE NSW undertakes to deal with grievances promptly. You are entitled to raise any concerns about your academic results or appeal a result.

In the first instance, you should talk to your teacher for more information about the appeals process.

Grievance procedures for non-academic matters

You may raise a concern or grievance for a range of non-academic matters, including harassment, vilification, discrimination, misuse of personal information, financial matters and course applications.

You may report your grievance to a teacher, counsellor or other support officer. See the Non-academic grievance procedures.

Withdrawals and refunds

Tuition assurance

Personal information

When you enrol at TAFE NSW, the collection, storage, use and disclosure of any personal information you provide are protected by legislation.