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GOVERNMENT LOAN
SCHEMES
HECS-HELP
Eligible Australian citizens and
permanent humanitarian visa holders
who enrol in a Commonwealth
Supported Place (CSP) can avail
of HECS-HELP, the Australian
government‘s loan scheme offering a
long-term repayment plan. HECS-HELP
pays your student contribution, allowing
you to defer repayment of your student
contribution until your income reaches
a minimum repayment threshold. There
is no limit on the amount of HECS-HELP
assistance to which you are entitled.
A HECS-HELP loan is not means-tested,
so your income and assets won‘t
affect your eligibility, although you do
need to meet citizenship/residency
requirements.
FEE-HELP
FEE-HELP is the Australian Government‘s
loan scheme for eligible Australian
citizens and permanent humanitarian
visa holders who enrol in an Australian
fee place to pay tuition fees. If you‘re
eligible, you can defer payment of your
tuition fees up to the FEE-HELP limit
until your income reaches a minimum
payment threshold. You also have the
option to make repayments at any time
before that.
In 2013, the FEE-HELP limit was
$93 204 for most students. If you
are studying Medicine, Dentistry or
Veterinary Science, the limit was
$116 507. These amounts are indexed
annually.
A FEE-HELP loan is not means-tested,
so your income and assets won‘t
affect your eligibility, although you do
need to meet citizenship/residency
requirements.
The major difference between FEE-
HELP and HECS-HELP is the type of
place you are enrolled in.
SA-HELP
SA-HELP offers the same benefts as
HECS-HELP for eligible students who
wish to defer payment of their Student
Services and Amenities Fee (SSAF).
There is no limit to the amount of
SA-HELP assistance to which a student
is entitled.
STUDENT SUPPORT
PAYMENTS
Many graduate courses at Melbourne
have been approved by the Australian
Government for student income support
payments such as Youth Allowance,
Austudy or Abstudy. Eligible students
undertaking approved graduate degrees
at Melbourne may be eligible for these
student income support payments.
SCHOLARSHIPS AND
BURSARIES
The Melbourne Scholarships Program
is one of the most comprehensive and
generous scholarship programs in
Australia. See pages 16–19 for more
information.
TAX DEDUCTION
If your course is suffciently related to
your current employment, you may
be entitled to claim a tax deduction
for the cost of your tuition fees. For
further information about claiming
self-education expenses, consult your
fnancial adviser or the Australian
Taxation Offce.
STUDENT FINANCIAL AID
The University‘s Student Financial Aid
Service provides enrolled students with
fnancial assistance as well as advice
and assistance on all matters to do with
student fnances, including:
Student loans and bursaries/grants
Government student assistance,
including Austudy, Abstudy and
Youth Allowance
Budgeting
Tax
Cost of living and planning on
coming to Melbourne.
Help with
fnancing
your graduate study
There are a number of options available to help
you complete your graduate studies without
fnancial pressure.
To fnd out more about CSPs,
HECS-HELP, FEE-HELP and
SA-HELP go to:
Full details about 2014 tuition fees
will be available at:
More info
Domestic
students