HECS-HELP and fee payment options - Dip, UG, Hons, PG

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HECS-HELP and fee payment options - Dip, UG, Hons, PG

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Depending on your circumstances, you may be eligible for one of the below fee deferral options. The items relevant to you are included in your USC Central Task list and may include one or a combination of the below.

If you are not eligible for a HELP loan, you need to pay your fees upfront, by the fee payment due date on your Financial Account in USC Central.

Setting up HECS-HELP or FEE-HELP (eCAF)
  • All students offered a Commonwealth Supported Place must complete an eCAF. This step is included in your ‘Tasks’ list.
  • If you are eligible for HECS-HELP or FEE-HELP, you request a HELP loan by completing your eCAF and entering your Tax File Number (TFN) by the Fee due date. If you don’t have a TFN, you will need to apply for a TFN from the Australian Taxation Office as soon as possible.

How does a HELP loan work? Once you have successfully completed and submitted your eCAF, and provided your TFN in USC Central, your fees will appear on your student account until the census date of each study period. After the census date, your fees will automatically defer to your HELP loan.

You can still make part or full payments towards your fees up until the fee due date of each study period, shown on your invoice. After census date, the remaining amount will defer to your HELP loan. Visit HECS-HELP for more information.

Setting up SA-HELP (eSAF)
  • Australian citizens and Permanent Humanitarian visa holders must complete this form (unless you are a Cross-institutional or Visiting student). This step is included in your ‘Tasks’ list.

How does SA-HELP work? If you defer payment of your Student Services and Amenities Fee (SSAF) using SA‑HELP, the amount will be added to your accumulated HELP loan. You can take out a SA‑HELP loan even if you do not take out any other HELP loan.

If you use SA-HELP you can make part or full payments by the fee due date and the remainder will defer to your HELP loan after the census date. Visit SA-HELP for more information.

Don't have a Tax File Number?
  • Domestic students need a Tax File Number (TFN) to apply for a HELP loan.
  • Urgently complete an application for a TFN through the Australian Tax Office (ATO).
  • You must supply Student Central with a copy of your TFN Application Summary and the receipt Australia Post issued when you provided your proof of identity.
  • You can still fill out the eCAF and eSAF, but will be reminded to supply your TFN on your To Do List in USC Central.
  • HECS-HELP is a loan program that assists eligible students enrolled in a Commonwealth supported place (in an undergraduate degree or Commonwealth supported postgraduate program) pay their student contribution.
  • SA-HELP is a loan scheme that assists eligible students to pay their Student Services and Amenities Fee (SSAF).
  • FEE-HELP is a loan scheme that assists eligible full-fee paying students to pay their tuition fees.

You can view more information about HELP loans and read the relevant HELP information booklet to understand your financial obligations.

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