You need to apply for your loan in the six-month period before heading overseas. Your application needs to be for study that you have not yet completed. OS-HELP loan applications are assessed on a continuous basis in the order they are submitted.
Submit your application:
- by 31 October for study commencing in the summer break or Semester 1 of the following year
- by 30 May for study commencing in the winter break or Semester 2 of the same year.
You can submit an application after these deadlines, however we can't guarantee that your loan will be processed before the commencement of your overseas studies.
Please note that the OS-HELP loan application and OS-HELP debt confirmation form are not available from 1 December to mid-January of the following year in order to undertake mandatory Government updates.
If you're applying for a second OS-HELP loan, you may submit your application 4 weeks before the end date of your first loan. Payment for an approved second loan will be made after the completion of the first six-month period.