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Paying for Uni

University study is a big investment of your time and money and it’s important to feel like you are making an informed decision about paying for your course fees. When it comes to paying for your course fees, you can:

  • defer your tuition or student contribution fees each term and take advantage of a government assistance loan, or
  • pay part of your fees upfront and defer the rest, or
  • pay all of your unit fees upfront each term.

Government assistance loans

There is a range of government assistance loans available for different circumstances:

  • if you have a Commonwealth Supported Place, you may be eligible to access a HECS-HELP loan
  • if you have a full fee-paying place, you may be eligible to access a FEE-HELP loan
  • if your course requires you to pay the Student Services and Amenities Fee (SSAF), you may be eligible for an SA-HELP loan
  • if you want to study some of your course overseas, you may be eligible for an OS-HELP loan
  • if you are a New Zealand citizen, you may be eligible to access HELP loans.

If you meet the CSP eligibility criteria, you may be eligible for a HECS-HELP loan. HECS-HELP is a loan scheme that you can use to pay part or all of your student contribution. Alternatively, you may choose to pay your student contribution upfront without government assistance.

HECS-HELP is a government loan which means you defer paying your student contribution until your income is above the compulsory repayment threshold – currently, this is $48,361 (2022-2023 threshold). Once your income is above the threshold, you begin repayments through the Australian Tax Office.

Are you eligible for HECS-HELP?

To be eligible you must:

  • be studying in a Commonwealth supported place
  • be one of the following:
    • an Australian citizen who must study at least some of your course in Australian; or
    • a New Zealand Special Category Visa (SCV) holder who meets the long term residency requirements and who studies the entire course while living in Australia; or
    • a permanent humanitarian visa holder, or an eligible former permanent humanitarian visa holder; who studies the entire course while living in Australia
  • submit the Request for Commonwealth support and HECS-HELP form to your provider by the census date
  • be enrolled in each unit/subject at your provider by the census date
  • have available HELP balance
  • provide your Tax File Number (TFN)
  • have a Unique Student Identifier (USI) prior to the first census date (for new enrolments from 1 January 2021)
  • have sufficient Student Learning Entitlement available (for new enrolments from 1 January 2022)
  • meet the completion rate requirements (for new enrolments from 1 January 2022)
  • not undertake more than 2 years' worth of higher education study in 12 months (unless CQU has approved you to take on more).

You only need to apply for HECS-HELP once for the duration of your course. Your application form will be available after you have enrolled.

For more information on HECS-HELP, visit the Study Assist website.

If you are paying full fees for your course, you may be eligible for a FEE-HELP loan. FEE-HELP is a loan scheme that you can use to pay part of or all of your tuition fees. Alternatively, you may choose to pay your tuition fees upfront without government assistance.

FEE-HELP is a government loan which means you defer paying your tuition fees until your income is above the compulsory repayment threshold - currently, this is $48,361 (2022-2023 threshold). Once your income is above the threshold, you begin repayments through the Australian Tax Office.

Are you eligible for FEE-HELP?

To be eligible you must:

  • meet the citizenship and residency requirements (see below)
  • have a Unique Student Identifier (USI) prior to the first census date
  • maintain a completion rate of 50 per cent or above
  • submit the Request for FEE-HELP form prior to the census date
  • meet the Tax File Number (TFN) requirements
  • not undertake more than two years' worth of higher education study in the last 12 months (unless approved by CQU)
  • have not exceeded your FEE-HELP limit

Citizenship and residency requirements:

  • an Australian Citizen who will undertake in Australia at least one unit of study contributing to your course, or
  • the holder of a permanent humanitarian visa who will be resident in Australia for the duration of the unit, or
  • the holder of a permanent visa undertaking bridging study for overseas-trained professionals who will be resident in Australia for the duration of the unit, or
  • a New Zealand citizen who is not also a permanent resident of Australia and who is the holder of a Special Category Visa (SCV) and meets other eligibility criteria, and who will be resident in Australia for the duration of the unit.

You only need to apply for FEE-HELP once for the duration of your course. Your application form will be available after you have enrolled.

For more information on FEE-HELP, visit the Study Assist website.

The Student Services and Amenities Fee (SSAF) is a compulsory fee charged in addition to tuition fees and student contributions. It is charged each term of study and is used to enhance student services and facilities in accordance with funding guidelines. Whether you are studying online or on campus, SSAF goes towards improving your study experience.

You may be eligible for the SA-HELP loan, which is a scheme that allows you to defer payment of your SSAF. Your SA-HELP loan amount will be added to your accumulated HELP debt. Alternatively, you may choose to pay your SSAF upfront without government assistance.

Am I eligible for SA-HELP?

To access SA-HELP, you must:

  • be one of the following:
    • an Australia citizen who will study at least one unit of your course of study in Australia; or
    • a permanent humanitarian visa holder or an eligible former permanent humanitarian visa holder who studies the entire course while living in Australia; or
    • a New Zealand Special Category Visa (SCV) holder who meets the long term residency requirements and who studies the entire course while living in Australia
  • provide your Tax File Number (TFN)
  • submit the Request for a SA-HELP loan form to your provider by the census date.

You only need to apply for SA-HELP once for the duration of your course. Your application form will be available after you have enrolled.

For more information on SA-HELP, visit the Study Assist website.

Studying abroad is a fantastic learning experience to undertake during your studies. Did you know there is government assistance available to help you cover the costs associated with studying abroad?

OS‑HELP is an Australian Government loan scheme that helps eligible students based in Australia and enrolled in a Commonwealth Supported Place (CSP) to undertake some of their study overseas. OS-HELP loans can be used for a range of expenses, such as airfares, accommodation and other travel or study costs.

In 2022, the maximum OS-HELP you can borrow for a six-month study period is:

  • $8,519 in Asia (plus an extra $1,133 if you do Asian language study in preparation to study in Asia) or
  • $7,100 outside Asia.

CQU receives a limited number of OS-HELP loans each year from the Australian Government. Once the OS-HELP loans have been fully allocated for the year, we are unable to approve or pay any further OS-HELP. Please note that CQU is responsible for determining the amount of OS-HELP you will be paid, taking into consideration overseas study destination, length of stay, among other things.

Am I eligible for OS-HELP?

To be eligible you must:

  • be one of the following:
    • an Australian citizen; or a permanent humanitarian visa holder; or an eligible former permanent humanitarian visa holder
    • a New Zealand Special Visa (SCV) holder who meets the residency requirements and who will be resident in Australia at the time of applying
  • be enrolled into a CSP
  • be planning to undertake full-time study overseas or a relevant study tour, placement or internship
  • have not received OS-HELP on more than one other occasion
  • have completed one EFTSL of study (usually one year of full-time study)
  • provide your Tax File Number (TFN)
  • submit an OS-HELP Debt Confirmation form
  • on return from overseas study, have at least 0.125 EFTSL of your course to complete in Australia which is usually one unit (6 credit points)

For the full CQU OS-HELP eligibility requirements, please view the OS-HELP Policy and Procedure.

For more information on ON-HELP, visit the Study Assist website.

The Australian Government passed legislation to allow New Zealand citizens who are Special Category Visa (SCV) holders and long-term residents of Australia to access a HELP loan from 1 January 2016.

Am I eligible for a HELP loan?

  • To be eligible you must:
    hold a New Zealand Special Category Visa (SCV)
  • meet all the long-term residency requirements
  • be living in Australia while you study

Long-term residency requirements:

  • first began to be usually resident in Australia at least ten years ago
  • were under 18 years of age with no spouse or de facto partner when you first began to be usually resident in Australia
  • have been in Australia for at least a total of eight out of the previous ten years (from when you apply for the loan), and a total of 18 months out of the last two years (from when you apply for the loan).

Please note if your citizenship status and/or residency status changes while studying, you must notify the university immediately.

For more information on New Zealand citizens and HELP loans, visit the Study Assist website.

As a permanent resident, you are eligible to access a Commonwealth Supported Place. You are not eligible to access a HELP loan.

For more information, visit the Study Assist website.

Please note that from 1 January 2020 the Australian Government introduced a combined HELP loan limit which caps the amount you can borrow. This loan limit includes any HECS-HELP debt incurred from 2020 onwards plus any existing and new FEE-HELP, VET FEE-HELP or VET Student Loans.

For more information on the HELP loan limit, visit the Study Assist website.

Paying upfront

If you are paying upfront, your unit fees will be calculated each term based on the units you have enrolled in. Once you are a student and enrolled in your units, you'll be able to access your fee information and fee notices via your student portal. When you pay upfront, you'll need to pay your unit fees no later than the census date of the term that you have enrolled.

Scholarships

SCHOLARSHIPS

At CQU, it’s important to us to make university study as accessible as possible.

Scholarships are a great way to help pay for costs involved in studying such as tuition fees, laptops, accommodation, living expenses, travel and more.

We have a range of scholarships available and you don’t have to be limited to choosing just one. Check your eligibility and start planning your application.

FIND A SCHOLARSHIP