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FEE-HELP explained

What is FEE-HELP?

Answer ID 113 | Last updated on 09/01/2023 02.04 PM

FEE‑HELP is a loan scheme that assists eligible fee paying students to pay all or part of their tuition fees. A FEE-HELP loan does not cover additional study costs such as accommodation, laptops or text books. The total amount of FEE‑HELP that you can use over your lifetime is known as the ‘FEE‑HELP limit’.

Postgraduate fee-paying places
Eligible domestic students can borrow all or part of their tuition fees through FEE-HELP. No loan fee applies to loans for postgraduate studies.

FEE-HELP loans are repaid through the Australian taxation system. If you are eligible for FEE-HELP assistance and would like to obtain a FEE-HELP loan you must complete and submit an online request for FEE-HELP on studentConnect and provide your Tax File Number (TFN) by the census date.

HELP loan limit

From 1 January 2020, a combined HELP loan limit replaced the FEE-HELP limit and includes FEE-HELP, VET Student Loans, VET FEE-HELP and HECS-HELP. Only new HECS-HELP borrowing will count towards a person's HELP limit; however, any existing FEE-HELP, VET FEE-HELP or VET Student Loans that you borrowed before 2020 will be carried over.

HELP loan limits in 2022
From 1 January 2022, the 2022 HELP loan limit is $109,206 for most students. 
The limit for students studying medicine, dentistry or veterinary science courses leading to initial registration is $155,847.

Renewable HELP balance
The renewable HELP balance is your available borrowing capacity for HECS-HELP, FEE HELP, VET FEE HELP and VET Student Loans. It will be your available HELP balance. Your available HELP balance is your HELP loan limit of that given year, minus your HECS-HELP, FEE HELP, VET FEE-HELP and VET Student Loans borrowing. Taking out a loan will reduce your available HELP balance, and making a repayment will increase your available HELP balance.

Further information on HELP loans is available on the Study Assist website.

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