Pursuing higher education can be expensive, but the Student HELP Loan makes it more affordable for eligible students. If you’re planning to study at a university or vocational institution and need financial assistance, this guide walks you through the entire process of applying for a HELP loan — from checking your eligibility to submitting your application.
What is a HELP Loan?
HELP (Higher Education Loan Program) is an Australian government initiative designed to support students with the cost of their tuition. It includes different types of loans, such as:
- HECS-HELP: For eligible Commonwealth-supported students
- FEE-HELP: For full-fee paying students
- VET Student Loans: For vocational education and training courses
- SA-HELP: To cover student services and amenities fees
Let’s now break down the process to apply for a HELP loan.
Step 1: Confirm Your Eligibility
Before applying, you need to make sure you qualify for a HELP loan. The general eligibility criteria include:
- Being an Australian citizen or a New Zealand Special Category Visa holder (meeting residency requirements)
- Enrolling in an approved course at a registered higher education provider
- Having a valid Tax File Number (TFN) or applying for one
- Meeting academic progression requirements (for continuing students)
- Not exceeding the HELP loan limit
Make sure to check your provider’s website for course-specific requirements.
Explore More: Simple Ways to Lower Your Student Loan
Step 2: Enrol in an Eligible Course
Once you’re eligible, the next step is to enrol in a course that is approved for HELP loans. Your education provider must be a Commonwealth-supported provider. During the enrolment process, you’ll be asked whether you want to pay upfront or apply for a HELP loan.
Choose the loan option and make sure your details (name, date of birth, and citizenship) match exactly with your records at the Australian Taxation Office (ATO).
You can also read: How to choose the right loan type for your needs
Step 3: Obtain and Submit Your eCAF
To apply for a HELP loan, you need to complete the Electronic Commonwealth Assistance Form (eCAF). Here’s how it works:
- Your provider will generate an eCAF invitation and email you a link.
- You’ll log in and complete the form online.
- Enter your Tax File Number (TFN).
- Agree to the loan terms and conditions.
Your HELP loan won’t be processed until this form is submitted correctly.
Step 4: Understand the Loan Limit
HELP loans are capped. That means you can only borrow up to a certain amount during your lifetime. As of 2025, the combined HELP loan limit is:
- $121,844 for most students
- $174,998 for students in medicine, dentistry, and veterinary science
Check your available balance via the myHELPbalance website to ensure you don’t exceed the cap.
Step 5: Keep Track of Census Dates
The census date is crucial—it’s the deadline for finalising your enrolment and submitting your eCAF. If you decide to withdraw from a subject, make sure you do it before the census date, or you’ll still be charged and incur a debt.
Mark your calendar and set reminders for each unit’s census date.
Step 6: Begin Your Studies
Once your loan is approved and your enrolment is confirmed, you’re good to go! Tuition fees will be paid directly by the government to your education provider. However, keep in mind that:
- Your HELP debt is indexed annually
- Repayment begins once your income exceeds the compulsory repayment threshold (currently $51,550 for 2024–25)
You can also make voluntary repayments at any time to reduce your debt faster.
Final Tips Before You Apply
- Keep your MyGov and ATO account details handy
- Review your fee statements regularly
- Maintain satisfactory academic progress to remain eligible for ongoing HELP support
- Read the HELP loan booklet provided by your institution for updated rules
Conclusion
Applying for a HELP loan is a straightforward process once you know the steps. By staying informed and meeting all requirements, you can focus on your education without the immediate financial burden. Use this step-by-step guide to make sure your application goes smoothly and sets you up for academic success.