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  • SA-HELP loan true true

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SA-HELP loan

If you're an eligible student you may be able to apply for a SA-HELP loan to pay your Student Services and Amenities Fee (SSAF).
  • https://sydneystudent.sydney.edu.au/sitsvision/wrd/siw_sso.openid Log in to Sydney Student

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What is a SA-HELP loan?

SA-HELP is a loan available to eligible students which can be used to pay for some or all of your Student Services and Amenities Fee (SSAF). You won't have to repay this loan until your income reaches a certain amount.

Who can apply

Citizenship and residency requirements

You can apply for a SA-HELP loan if you are one of the following:

  • an Australian citizen who will complete some of your course in Australia
  • a New Zealand Special Category Visa (SCV) holder, or eligible former SCV holder, who meets the long-term residency requirements and will be a resident in Australia while studying
  • a permanent humanitarian visa holder, or an eligible former permanent humanitarian visa holder, who will be a resident in Australia while studying, or
  • a Pacific engagement visa (PEV) holder who will be a resident in Australia while studying

Additional requirements

You also need to have a tax file number (TFN) and Unique Student Identifier (USI).

For a full list of eligibility requirements, visit the Government's Study Assist website.

When to apply

  • The deadline to apply is the SSAF payment due date.
  • You can apply as soon as enrolment opens for your course.
  • You only need to apply once for your course. Each year when you re-enrol, we'll ask you if you want to continue using SA-HELP to cover your SSAF.
  • If you don't submit an SA-HELP loan form by the SSAF payment due date, you'll need to pay your SSAF upfront.

How to apply

Find out what to do if you don't have your TFN yet.
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<p>You can still complete enrolment without a TFN, but won&#39;t be able to apply for SA-HELP until you have it.</p>

You'll need your TFN and USI to apply.

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To apply for SA-HELP, complete a Request for a SA HELP-loan form. You can do this during enrolment by logging in to Sydney Student > My Studies > Enrolment.

Steps to complete your request form

  1. Once you reach the SA-HELP loan section, read the SA-HELP information booklet.
  2. Complete the questions and submit the form.

You can also complete or update your form after you enrol by logging in to Sydney Student > My finance > Your finances > Government forms.

Related questions

The first step is to request a TFN from the Australian Taxation Office (ATO). It can take up to 28 days to receive your TFN. However, Australian citizens can set up a 'Strong Digital ID', and generally receive a TFN straight away.

If you've applied and didn't receive your TFN immediately:

  • during enrolment when asked if you'd like to complete a request for a SA-HELP loan, select 'no'
  • complete all remaining enrolment steps
  • as soon as you have your TFN, complete your eCAF by logging in to Sydney Student > My finance > Your finances > Government forms. You must submit your eCAF by the earliest census date for your units.

Creating your USI is simple and takes about 5 minutes. Once you have it, you can submit any HELP forms and complete enrolment.

Create your USI on the Government's website.

Yes. Provided you're eligible, you can update your request form to change whether or not to apply for a SA-loan. You need to do this before the earliest census date for your units of study.

Log in to Sydney Student > My finance > Your finances > Government forms.

What happens next

Once you've completed enrolment you'll be able to view your student financial statement in Sydney Student, which will show your SA-HELP liability status.

Contact us

If you're a current student, this is how you can get in touch with us

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Last updated: 03 November 2026

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