Government loans – study now pay later

You may be able to study now and pay later by using a government loan to pay for your course. Government loans are available for most of these courses:

How it works

You don’t need to pay for your course upfront. In fact, you won’t need to begin paying for your course until you earn more than $54,869 a year.

Through a government loan, the Australian Government pays the amount of your course to the education provider on your behalf.

You will start paying back this loan through the tax system once your taxable income is higher than the minimum repayment threshold. This includes a 20% loan fee.

There are 3 types of government loans that work this way:

  • VET FEE-HELP loans can be used to pay for Diplomas.
  • FEE-HELP and HECS-HELP loans can be used to pay for courses like Bachelor Degrees and postgraduate qualifications.

Am I eligible?

You are eligible if you:

  • are an Australian citizen, or
  • hold a permanent humanitarian visa, or
  • hold a New Zealand Special Category visa and meet the residency requirements.

If you have already used an Australian Government loan to pay for tertiary study, you must not have exceeded the FEE‑HELP limit.

Courses subsidised by the government

Some courses are also subsidised by the Australian Government.

This means the price you pay for the course is much cheaper – the government covers part of the course fee.

For courses subsidised by the government, see:

Get advice

For advice on payment options for the course you're interested in, contact a SEEK Learning consultant.

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