OS-HELP is an Australian Government loan used to help students undertake part of their course of study overseas. Students may receive one loan per six-month period, up to a total of two OS-HELP loans. The period of six months in relation to which a student is entitled to OS‑HELP assistance begins on the commencement date of the overseas placement. The maximum OS-HELP amounts are as follow:

Payment in 2023:

  • $7,348 in 2023 for study in non-Asian countries
  • $8,817 in 2023 for study in Asian countries

Students may also receive a supplementary loan amount of $1,172 in 2023 to undertake language study in preparation for overseas study in Asia.

Please refer to the OS-HELP Statement of Terms and Conditions for a list of Asian countries.

You can apply for an OS-HELP loan if you are a Commonwealth supported student who meets the eligibility criteria. You are not eligible if you are studying your whole course overseas.

You will be ranked on the basis of academic merit. For more information see the Australian government's 2022 OS-HELP Statement of Terms and Conditions.

Complete and submit an OS-HELP Loan Application. You will be notified of the outcome of your application by email within a maximum of 20 University working days.

The loan amount will be added to your accumulated HELP debt. You can make voluntary repayments of your HELP loan at any time to the Australian Taxation Office. Otherwise, repayments will automatically be deducted once you begin earning an income above the compulsory repayment threshold.

The decision of the OS-HELP Selection Officer can be reviewed only on procedural grounds. A review must include a copy of the letter you received from the Selection Officer and details of the complaint together with supporting documentation.

It must be lodged within 20 University working days from the date you were notified of the outcome of your application.

Submit your review to:

OS-HELP Review Officer
Student Centre
James Cook University
Townsville, QLD 4811

You will receive notification in writing of the outcome of your review within 20 University working days; the decision of the Review Officer will be final.

Study overseas with OS-HELP