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    VET Student Loan eligibility

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    To apply for a VET Student Loan, you must meet the:

    • requirements, and

    • requirements.

    Check your eligibility

    To be eligible for a VET Student Loan, you must be one of the following:

    • an Australian citizen

    • a permanentÌýhumanitarianÌývisa holderÌýwho is usually resident inÌýAustralia

    • a Pacific Engagement visa holder who is usually resident in AustraliaÌý(if the census date of your course was after 1 February 2024)

    • a qualifying New Zealand citizen on a Special Category Visa (SCV) who meets the long-term residency requirements.

    Requirements for long-termÌýNew ZealandÌýresidents

    To qualify for a VET Student Loan, New Zealand citizens must:

    • hold a New Zealand Special Category visa (SCV)

    • have beenÌýliving as a residentÌýin Australia for at least ten years

    • have been a dependent childÌýwhen residence in Australia first began

    • have been in Australia for periods totalling eight years during the previous ten yearsÌýfromÌýthe date of the loan application

    • have been in Australia for periods totalling 18 months during the previous twoÌýyears.

    Please note:ÌýHolders of other permanent visas and temporary visas areÌýnotÌýeligible for a VET Student Loan.

    Academic suitability

    To be considered ,you need to meet one of the following criteria:

    • Provide a copy of your senior secondary certificate (also known as aYear 12 certificate)or International Baccalaureate (IB) Diploma, or

    • Show evidence of a certificate IV level qualification or higher, or

    • Complete a literacy and numeracy assessment.

    Provide your senior secondary certificate

    Please submit a copy of your senior secondary certificate of education (awarded by an Australian authority or agency) or an International Baccalaureate (IB) Diploma.

    You’ll need to provide this documentation when you apply to enrol.

    Show evidence of a certificate IV level qualification or higher

    You can provide a copy of your qualification at a certificate IV level or above when applying. If you gained this qualification at º¬Ð߲ݴ«Ã½ just let us know this when you enrol.

    If you cannot provide a certificate, you may provide:

    • a transcript from the national (for qualifications attained from 2015)

    • evidence of an approved overseas qualification.

    Complete a literacy and numeracy test

    º¬Ð߲ݴ«Ã½ requires you to complete a to demonstrate you're .

    If you need help completing this assessment or providing the above documents, our Customer Support Team can assist you on131 601. Or if you prefer, you can use the customer service enquiry form linked below.

    Other requirements

    Before you apply for aÌýVET StudentÌýLoan, there are some important requirements you need to meet.

    These include:

    • having or applying forÌýa Tax File Number (TFN)

    • having or applying for Unique Student Identifier (USI)

    • not exceeding yourÌý(±á·¡³¢±Ê)Ìý.

    Tax File Number (TFN)

    You need toÌýÌý(TFN) or be in the process of applying for one. We require your TFN because your loan repayments are made through the tax system.

    For more information, please seeÌýtheÌý.

    Unique Student Identifier (USI)

    To study a nationally recognised training course, you must have a USI. If you don’t have one, go to theÌýÌýto register.

    HELPÌýloan limits

    A ‘HELP loan’ is an umbrella term that covers a group of loans, including VET Student Loans,ÌýHECS-HELP, FEE-HELP, and VET FEE-HELP.

    When you apply for a HELP loan under any of these loan types, there is a loan limit on the amount you can borrow. This is yourÌýcombined HELP loan limit.

    To be eligible to apply for aÌýVET Student Loan, you must not have exceeded your limit.ÌýThe available HELP balance is the amount you are still able to borrow under the HELP loan limit.

    You can view your available HELP balance via theÌý.

    You must also:

    • intend to study your course primarily in Australia

    • provide any requested documentation to º¬Ð߲ݴ«Ã½ and submit theÌýelectronic Commonwealth Assistance Form (eCAF)ÌýonlineÌýby the first census day

    • comply with ongoing Australian Government (eCAF)Ìý

    • read theÌý.

    For more information on your loan limit visit the page below.

    We’re here to help

    If you still have questions, check our FAQs page, or find out more about how to apply for a VET Student Loan below.
    You can also contact our Customer Support Team on 131 601.