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Students Fees & Financial Support HECS-HELP loan
HECS-HELP is a Commonwealth government loan program used by Australian citizens, permanent humanitarian visa holders and some New Zealand citizens to defer payment of their subject fees.
If you are eligible for HECS-HELP but you decide to pay some or all of your student contributions up-front, you can receive a10% HECS-HELP discount on any payment of $500 or more. Please note: the Government has abolished this discount for subjects with a census date on or after January 1 2017.
Am I eligible?
If you are:
- an Australian citizen, or
- a permanent humanitarian visa-holder, or
- a New Zealand citizen who meets certain criteria,
- Commonwealth supported, and
- you meet residency requirements,
you are eligible for a HECS-HELP loan.
New Zealand citizens (who do not meet certain criteria), permanent residents and international students are not eligible to defer payment of their fees.
Steps to defer
Submit the Request for Commonwealth support and HECS-HELP form through eStudent. See defer your fees.
When do I repay my loan?
You can make voluntary repayments of your HELP loan at any time to the Australian Taxation Office – you may receive a five per cent bonus on payments of $500 or more. Please note: the Government has abolished this bonus for subjects with a census date on or after January 1 2017.Otherwise, repayments will automatically be deducted once you begin earning an income above the compulsory repayment threshold.
How do I view my HECS-HELP balance?
Each study period, JCU will provide you with a Commonwealth Assistance Notice (CAN). This notice details your payments and debts for that study period.
The CAN only shows the current study period, not your entire HECS-HELP debt. For a complete statement of your accumulated HELP debt, contact the Australian Tax Office.
You can also keep track of how much you have borrowed through a HECS-HELP loan at the Government’s myUniAssist website. You’ll need your Commonwealth Higher Education Student Support Number (CHESSN) to log in. This is detailed on your CAN. myUniAssist will not show your entire debt balance or any payments made.