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  • Types of loans

    There are a number of loans available from the Australian Government to help you complete further training and study.


    The Higher Education Loan Program (HELP) assists eligible students with their student contribution or tuition fees from:

    • university and other higher education providers
    • approved vocational education and training (VET) providers.

    There are different types of HELP loans available, depending on the student's circumstances. If you have obtained one of these loans, you will have a HELP debt.

    See also:


    The Student Start-up Loan (SSL) and ABSTUDY Student Start-up Loan (ABSTUDY SSL) schemes started on 1 January 2016 and replace the previous Student Start-up Scholarship payment.

    This is a voluntary loan available to eligible students in higher education who receive Youth Allowance, Austudy or ABSTUDY Living Allowance. The Department of Human Services administers the payments.

    See also:


    Under the Trade Support Loans (TSL) program, eligible Australian apprentices are offered loans of up to $20,420 over four years. TSL payments are administered by the Australian Apprenticeships Centres and the Department of Education and Training.

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    The Student Financial Supplement Scheme (SFSS) was a voluntary loan scheme to help tertiary students cover their expenses while they studied.

    This scheme closed on 31 December 2003. However, all existing SFSS debts continue to be collected through the tax system.

    See also:

    Last modified: 15 Jun 2017QC 44853