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If you have a Commonwealth supported place in your course, you may be eligible to defer your student contribution through HECS-HELP.

  1. Overview and eligibility
  2. How to apply
  3. What happens next

Overview and eligibility

HECS-HELP is a government loan scheme assisting eligible students to defer their student contribution through a loan.

Any amount deferred through HECS-HELP becomes part of an accumulated HELP debt, which you will be required to repay through the tax system once you meet a certain salary threshold.


To be eligible to apply for HECS-HELP, you need to:

*If you are a New Zealand citizen, a permanent visa holder or a permanent humanitarian visa holder, you need to be in Australia for the duration of your study to be eligible for a CSP, as outlined in the Higher Education Support Act 2003 (part 3-2, 90-5).

Eligibility criteria and legislation around HECS-HELP can change. See the Study Assist website for full details.

If you’re an Australian permanent resident visa holder (excluding a permanent humanitarian visa holder) or a New Zealand citizen who is currently not eligible for HECS-HELP assistance, you are required to pay your student contribution up front.

Proposed changes to higher education funding

The Australian Government has announced a number of proposed reforms to higher education funding which may affect legislation around HECS-HELP. Find out more about the proposed changes.

Student Centre



1800 SYD UNI (1800 793 864)
or +61 2 8627 1444 (outside Australia)

Find out more about how we can help

Last updated: 12 April 2021

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