2012 - Info for CSS Booklet

7/28/2019 2012 - Info for CSS Booklet

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www.goingtouni.gov.au

HECS-HELP 2012

Information for

Commonwealthsupported students


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YOU MUST READ THIS BOOKLET BEFORE SIGNING

THE COMMONWEALTH ASSISTANCE FORM BELOW

IMPORTANT NOTE: The Department of Education, Employment and Workplace Relations has

endeavoured to ensure that the information in this publication is consistent with the Higher EducationSupport Act 2003 (the Act) and guidelines made under the Act, available at www.comlaw.gov.au.However, there may be dif ferences between this publication and the Act or guidelines - if there is anyinconsistency the Act will take precedence.

Continuing students: If you are continuing with a course you commencedas a Commonwealth supported student prior to 2012, you do not need tocomplete another form for that course for your Commonwealth supportedplace or HECS-HELP.

Your deadline for submission of the form and finalising yourpayment of the student contribution amount for each unit ofstudy is the census date

(your provider may have set an earlier administrative date for this deadline).

If you do not submit this form by the census date you risk cancellation of yourenrolment as a Commonwealth supported student.

Form for students commencinga course in 2012

You must sign this form:


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Information for Commonwealth supported students 2012 i

WHO IS THIS BOOKLET FOR?

s 4HISBOOKLETISFORPEOPLEENROLLINGINAHIGHEREDUCATION COURSEOFSTUDYAS

A#OMMONWEALTHSUPPORTEDSTUDENT

s )FYOUARENOTENROLLEDASA#OMMONWEALTHSUPPORTEDSTUDENTYOUWILLBE

ENROLLEDASAFEEPAYINGSTUDENTANDCHARGEDTUITIONFEES3OMEFEEPAYING

STUDENTSAREELIGIBLEFORAFEE-HELPLOANTOPAYTHEIRTUITIONFEES&ORMORE

INFORMATIONON&%%(%,0SEETHEFEE-HELP information 2012BOOKLETAVAILABLE

FROMYOURPROVIDERORATwww.goingtouni.gov.au.

s )FYOUNEEDINFORMATIONABOUTLOANSFORCERTAINVOCATIONALEDUCATIONAND

TRAINING6%4LEVELCOURSESPLEASESEETHEVET FEE-HELP information 2012

BOOKLETAVAILABLEFROMwww.deewr.gov.au/vetfeehelp ORBYCONTACTING

THE6%4&%%(%,0ENQUIRYLINEON13 38 736%4&%%(%,0PROVIDESLOANSFOR

ELIGIBLESTUDENTSDOINGDIPLOMAADVANCEDDIPLOMAGRADUATECERTIlCATEAND

GRADUATEDIPLOMACOURSESTHATAREACCREDITEDAS6%4AWARDS

USING THIS BOOKLETs !SYOUREADTHROUGHYOUWILLNOTICETHATCERTAINTERMSAREHIGHLIGHTEDINPINK

4HESETERMSAREDElNEDINTHEGLOSSARY

s )FYOUNEEDTOKNOWWHOTOCONTACTIFYOUHAVESPECIlCQUESTIONSTHEContacts

SECTIONATTHEENDOFTHEBOOKLETWILLHELPYOU

s 9OUCANGETMOREINFORMATIONFROMwww.goingtouni.gov.au.


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TABLE OF CONTENTS

Who is this booklet for? ........................................................................................ i

Using this booklet ................................................................................................. i

Glossary ................................................................................................................ v

1. Introduction ...................................................................................................... 1

#OMMONWEALTHSUPPORTEDPLACESFORHIGHEREDUCATION1

(OWDO)APPLYFORA#OMMONWEALTHSUPPORTEDPLACE1

3HOULD)ACCEPTA#OMMONWEALTHSUPPORTEDPLACE1

7HATSTHEDIFFERENCEBETWEENTHECENSUSDATEANDTHE

ADMINISTRATIVEDATE2

(OWDO)PAYTHESTUDENTCONTRIBUTIONFORMY#OMMONWEALTH

SUPPORTEDPLACE2

7HATIF)MNOT#OMMONWEALTHSUPPORTED3

2. Commonwealth supported places ...................................................................4 !M)ELIGIBLEFORA#OMMONWEALTHSUPPORTEDPLACE4

#ITIZENSHIPANDRESIDENCYREQUIREMENTS...................................................... 4

2EMOVALOF3TUDENT,EARNING%NTITLEMENT3,%5

(OWDO)ACCEPTA#OMMONWEALTHSUPPORTEDPLACE6

$O)HAVETOPROVIDEMYTAXlLENUMBER4&.7

(OWDO)GETATAXlLENUMBER4&.7

7HATIF)CHANGEMYCOURSEORPROVIDER8

7HATIFMYELIGIBILITYCHANGESAFTER)SUBMITTHEFORM8

#AN)ENROLINUNITSATDIFFERENTPROVIDERS9

3. Student contribution amounts for Commonwealth supported places .......10

(OWMUCHWILL)PAYFORMY#OMMONWEALTHSUPPORTEDPLACE10

!RE#OMMONWEALTHSUPPORTEDPLACESAVAILABLEATTHE

POSTGRADUATELEVEL 12


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Information for Commonwealth supported students 2012 iii

4. Using HECS-HELP to pay your student contributions ................................... 13 7HATIS(%#3(%,0 13

!M)ELIGIBLEFOR(%#3(%,0 13

(OWDO)APPLYFOR(%#3(%,0 14

$O)HAVETOPROVIDEMYTAXlLENUMBER4&.14

(OWTHE(%#3(%,0DISCOUNTWORKS 14

7HATIF)BECOMEAN!USTRALIANCITIZENAFTER)HAVESUBMITTEDMYFORM 16

7HATAREMYSTUDENTCONTRIBUTIONPAYMENTOPTIONSUNDER(%#3(%,0 17

#AN)CHANGEMYPAYMENTOPTION 19

$OESANEXISTING(%,0DEBTAFFECTMYELIGIBILITYFOR(%#3(%,019

#AN)GETA(%#3(%,0LOANIF)MAMATUREAGEDSTUDENTOR

STUDYINGPARTTIME 19

$OMYASSETSORINCOMEAFFECTMYELIGIBILITYFOR(%#3(%,0 19

)SMYSTUDENTCONTRIBUTIONTAXDEDUCTIBLE19

5. How to keep track of your HECS-HELP............................................................20

9OUR#OMMONWEALTH(IGHER%DUCATION3TUDENT3UPPORT.UMBER#(%33.....................................................................................20

9OUR#OMMONWEALTH!SSISTANCE.OTICE#!.20

7HATISmyUniAssist21

6. Withdrawing from studies .............................................................................22

(OWDO)WITHDRAWFROMAUNIT22

7HATHAPPENSIF)WITHDRAWBYTHECENSUSDATE22

7HATHAPPENSIF)WITHDRAWAFTERTHECENSUSDATE23 7ILLCHANGINGMYSTUDYLOADAFFECTMYELIGIBILITYFOR9OUTH!LLOWANCE

!USTUDY!"345$9OR0ENSIONER%DUCATION3UPPLEMENT23

7HATHAPPENSIF)FAILAUNIT23

7HATHAPPENSIF)TRANSFERTOADIFFERENTPROVIDER23

(OWCAN)APPLYTOHAVEMY(%#3(%,0DEBTREMOVEDUNDER

@SPECIALCIRCUMSTANCES 24


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7. Repaying your HELP debt ..............................................................................26 7HATISA(%,0DEBT26

7HENDO)STARTREPAYINGMY(%,0DEBT26

(OWMUCHWILLMYREPAYMENTSBE26

)SINTERESTCHARGEDONMYDEBT28

2EPAYMENTSFROMJOBBENElTORSUPERANNUATIONINCOME28

2EPAYMENTSFROMBUSINESSORINVESTMENTINCOME29

7HATIF)DISAGREEWITHMYCOMPULSORYREPAYMENT29

7HATIF)HAVEDIFlCULTIESMAKINGMYCOMPULSORYREPAYMENT30

#AN)MAKEVOLUNTARYREPAYMENTS30

#AN)GETABONUSFORVOLUNTARYREPAYMENTS31

(OWDO)MAKEAVOLUNTAR YREPAYMENT 32

!REREPAYMENTSTAXDEDUCTIBLE................................................................ 35

7HATHAPPENSTOMYDEBTIF)DIE35

7HATHAPPENSTOMYDEBTIF)GOBANKRUPT..............................................35

(OWCAN)GETINFORMATIONONMY(%,0ACCOUNT35

Contacts .............................................................................................................. 37

9OURAPPROVEDPROVIDER 37

$EPARTMENTOF%DUCATION%MPLOYMENTAND7ORKPLACE2ELATIONS$%%72 37

!USTRALIAN4AXATION/FlCE!4/38

#ENTRELINK38

$EPARTMENTOF)MMIGRATIONAND#ITIZENSHIP$)!# .........................................39

Appendix A: Approved providers with Commonwealth supported places .....40

Appendix B: Exceptions to student contribution amounts ..............................41

!CCOUNTINGADMINISTRATIONECONOMICSANDCOMMERCECOURSESBEGUNPRE41

-ATHEMATICSSTATISTICSANDSCIENCECOURSESBEGUNPRE 41

%DUCATIONANDNURSINGCOURSESBEGUNPRE42

Appendix C: HECS-HELP Benefit ........................................................................43

Appendix D: How much does the Australian Government contribute? ......... 44

Frequently asked questions ............................................................................... 45


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Information for Commonwealth supported students 2012 v

GLOSSARY

Accumulated HELP debt 4HECONSOLIDATEDTOTALOFANY(%#3(%,0&%%(%,06%4&%%(%,0OR/3(%,0DEBTSYOUHAVEINCURRED

INCLUDINGANY'OVERNMENTLOANSFORSTUDYINCURREDBEFORE

Administrative date !DATEbeforeTHECENSUSDATESETBYYOURPROVIDERBYWHICHTHEYWANTYOUTOSUBMITYOURRequest forCommonwealth support and HECS-HELPFORMORTO

WITHDRAWYOURENROLMENT

.OTEYOUCANSTILLSUBMITYOURAPPLICATIONFORALOANOR

WITHDRAWFROMAUNITAFTERTHEADMINISTRATIVEDATEBUTBYTHECENSUSDATEWITHOUTINCURRINGA(%#3(%,0DEBT

BUTYOUMAYHAVETOPAYALATEENROLMENTFEEORALATEWITHDRAWALFEESee section 1.4.

Approved provider

(provider)

!UNIVERSITYOROTHERACCREDITEDHIGHEREDUCATION

INSTITUTIONAPPROVEDTOOFFER#OMMONWEALTHSUPPORTEDPLACES

Census date $EADLINEFORVARIOUSREQUIREMENTSINCLUDINGSUBMITTINGYOURRequest for Commonwealth support and HECS-HELPFORM

MAKINGANYUPFRONTPAYMENTOFYOURSTUDENTCONTRIBUTIONS

ANDFORMALLYWITHDRAWINGFROMANYUNITS See section 1.4.

CommonwealthAssistance Notice (CAN)

.OTICEFROMYOURPROVIDERDETAILINGINFORMATIONABOUTTHE#OMMONWEALTHASSISTANCEYOUHAVEUSEDFORTHESTUDY

PERIODSee section 5.2.

Commonwealth Higher

Education StudentSupport Number

(CHESSN)

9OURUNIQUEIDENTIlCATIONNUMBERASAPERSONSTUDYINGIN

A#OMMONWEALTHSUPPORTEDPLACEORACCESSINGA(%,0LOANSee section 5.1.

Commonwealth

supported place

!PLACEATANAPPROVEDPROVIDERTHATISSUBSIDISEDBYTHE

!USTRALIAN'OVERNMENTSOTHATSTUDENTSONLYHAVETOPAY@STUDENTCONTRIBUTIONAMOUNTSFORTHEIRUNITSOFSTUDY

See section 1andAppendix A.

Commonwealth

supported student

!STUDENTWHOISENROLLEDINA#OMMONWEALTHSUPPORTED

PLACEATANAPPROVEDPROVIDER-OSTDOMESTICSTUDENTS

WHOSTUDYTHEIRUNDERGRADUATEDEGREEATUNIVERSITYDOSOAS#OMMONWEALTHSUPPORTEDSTUDENTS


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1. INTRODUCTION

1.1 Commonwealth supported places for higher education

4HE!USTRALIAN'OVERNMENTCONTRIBUTESTOTHEHIGHEREDUCATIONOFDOMESTIC

STUDENTSBYFUNDING#OMMONWEALTHSUPPORTEDPLACES4HESEPLACESAREAVAILABLE

ATALLPUBLICUNIVERSITIESANDSOMEPRIVATEAPPROVEDPROVIDERSPROVIDERS

3TUDENTSPAYASTUDENTCONTRIBUTIONAMOUNTFOREACHUNITOFSTUDYTHEYUNDERTAKE

ASA#OMMONWEALTHSUPPORTEDSTUDENT

See Appendix AFORALISTOFPROVIDERSTHATAREAPPROVEDTOOFFER#OMMONWEALTH

SUPPORTEDPLACES

#OMMONWEALTHSUPPORTEDPLACESAREONLYAVAILABLETODOMESTICSTUDENTS

-OSTDOMESTICSTUDENTSUNDERTAKETHEIRUNDERGRADUATE COURSEOFSTUDYIN

A#OMMONWEALTHSUPPORTEDPLACE

See section 2TOCHECKWHETHERYOUAREELIGIBLEFORA#OMMONWEALTH

SUPPORTEDPLACE

1.2 How do I apply for a Commonwealth supported place?

9OUAPPLYFORA#OMMONWEALTHSUPPORTEDPLACETHROUGHTHE4ERTIARY!DMISSIONS

#ENTREINTHE3TATEOR4ERRITORYWHEREYOURPROVIDERISLOCATED)NSOMECASES

YOUMAYBEABLETOAPPLYDIRECTLYTOYOURPROVIDERYOUWILLNEEDTOCONlRMTHIS

WITHTHEM9OUROFFEROFENROLMENTWILLSAYWHETHERYOUHAVEBEENOFFEREDA

#OMMONWEALTHSUPPORTEDPLACEORAFEEPAYINGPLACEsee section 1.6INYOUR

SELECTEDCOURSEOFSTUDY

1.3 Should I accept a Commonwealth supported place?

3OMESTUDENTSCHOOSENOTTOACCEPTA#OMMONWEALTHSUPPORTEDPLACEFOR

ANUMBEROFDIFFERENTREASONS(OWEVERTHESEPLACESAREMUCHCHEAPERTHAN

FEEPAYINGPLACES

)FYOUDONTWANTTOACCEPTA#OMMONWEALTHSUPPORTEDPLACEORIFYOUWANTTO

BE#OMMONWEALTHSUPPORTEDFORONLYSOMEOFYOURUNITSYOUNEEDTOINFORM

YOURPROVIDEROFTHISINWRITINGBYTHECENSUSDATEORADMINISTRATIVEDATEFORTHE


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Information for Commonwealth supported students 2012 2

RELEVANTSTUDYPERIODsee section 1.4+EEPINMINDTHATYOURPROVIDERDOESNOTHAVETOOFFERYOUAFEEPAYINGPLACEINSTEAD

1.4 Whats the difference between the census date and the

administrative date?

4HECENSUSDATEISTHELASTDAYTOSUBMITYOURRequest for Commonwealth Support

and HECS-HELPFORMORTOWITHDRAWYOURENROLMENTWITHOUTINCURRINGASTUDENT

CONTRIBUTIONOR(%#3(%,0DEBTFORTHATUNIT!SPROVIDERSSETTHEIROWNCENSUS

DATETHISDATEWILLVARYACROSSPROVIDERS3OMEPROVIDERSALSOSETANADMINISTRATIVEDATEbeforeTHECENSUSDATEBYWHICHTHEYWANTYOUTOSUBMITYOURFORMOR

TOWITHDRAWYOURENROLMENT)FYOUMISSTHISDATEYOUMAYHAVETOPAYAlate

enrolment fee or a latewithdrawal feeBUTYOUCANSTILLBYTHECENSUSDATE

WITHDRAWFROMAUNITWITHOUTINCURRINGTHECOSTORADEBTFORTHEUNIT

#HECKWITHYOURPROVIDERTOSEEWHENTHECENSUSDATEISANDIFTHEYALSOHAVE

ANADMINISTRATIVEDATEASWELL

1.5 How do I pay the student contribution for myCommonwealth supported place?

-OSTSTUDENTSWHOAREELIGIBLEFORA(%#3(%,0LOANCHOOSETOPAYTHEIRSTUDENT

CONTRIBUTIONSWITHTHELOAN3TUDENTSWHOAREELIGIBLEFOR(%#3(%,0CANALSO

CHOOSETOMAKEUPFRONTPAYMENTSOFPARTORALLOFTHEIRSTUDENTCONTRIBUTIONS

%LIGIBLESTUDENTSWILLRECEIVEADISCOUNTFORUPFRONTPAYMENTSOFORMORE

Changes to the HECS-HELP discount

4HE!USTRALIAN'OVERNMENTHASANNOUNCEDTHEREDUCTIONOFTHE(%#3(%,0

DISCOUNTFROMTOFROM*ANUARYSUBJECTTOTHEPASSAGE

OFLEGISLATION

2EFERTOwww.goingtouni.gov.auFORUPTODATEINFORMATIONONTHESTATUSOF

THELEGISLATION

)FYOUARENOTELIGIBLEFOR(%#3(%,0YOUWILLNEEDTOPAYYOURSTUDENT

CONTRIBUTIONSUPFRONTINFULLANDYOUWONTBEELIGIBLEFORTHEDISCOUNT

See section 4.2TOCHECKWHETHERYOUAREELIGIBLEFORA(%#3(%,0LOANANDDISCOUNT


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1.6 What if Im not Commonwealth supported?)FYOUARENOTENROLLEDASA#OMMONWEALTHSUPPORTEDSTUDENTYOUWILLBE

ENROLLEDASAFEEPAYINGSTUDENT4HISMEANSTHE'OVERNMENTWILLNOTCONTRIBUTE

TOWARDSYOUREDUCATIONANDYOUWILLNEEDTOPAYTHETUITIONFEESSETBYYOUR

PROVIDERFORYOURUNITSOFSTUDY3OMEFEEPAYINGSTUDENTSAREELIGIBLEFORA

FEE-HELPLOANTOPAYTHEIRTUITIONFEES

&ORMOREINFORMATIONON&%%(%,0SEETHEFEE-HELP information 2012BOOKLET

AVAILABLEFROMYOURPROVIDERORATwww.goingtouni.gov.au.


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2. COMMONWEALTH SUPPORTED PLACES

2.1 Am I eligible for a Commonwealth supported place?

)FYOUAREAN!USTRALIANCITIZENYOUAREELIGIBLEFORA#OMMONWEALTHSUPPORTED

PLACE)FYOUAREAPERMANENTVISAHOLDEROR.EW:EALANDCITIZENANDYOU

MEETTHERESIDENCYREQUIREMENTSsee section 2.2YOUAREALSOELIGIBLEFORA

#OMMONWEALTHSUPPORTEDPLACE

9OUWONTNECESSARILYBEOFFEREDA#OMMONWEALTHSUPPORTEDPLACEINTHECOURSEOFYOURCHOICEORATYOURCHOSENAPPROVEDPROVIDERPROVIDER!PPLICATIONSARE

ASSESSEDBYPROVIDERSANDOFFERSAREBASEDONMERITASSTUDENTSMUSTALSOMEETTHE

COURSEENTRYREQUIREMENTSSETBYTHEPROVIDER)FSUCCESSFULYOURPROVIDERWILLLETYOU

KNOWINWRITINGWHETHERYOUHAVEBEENOFFEREDA#OMMONWEALTHSUPPORTEDPLACE

2.2 Citizenship and residency requirements

4OMEETTHECITIZENSHIPANDRESIDENCYREQUIREMENTSFORA#OMMONWEALTH

SUPPORTEDPLACEYOUMUSTBEEITHER

AN Australian citizenOR

ANew Zealand citizen

OR

Apermanent visa holder

and

you must be resident in Australia for the

duration of your unit

Australian citizenship

9OUMAYAUTOMATICALLYACQUIRE!USTRALIANCITIZENSHIPBYBIRTHORADOPTIONIN

!USTRALIAORYOUMAYAPPLYFOR!USTRALIANCITIZENSHIP)FYOUAREYEARSOFAGE

ANDOVERATTHETIMEYOUMAKEANAPPLICATIONFORCITIZENSHIPBYCONFERRALYOUWILL

OBTAIN!USTRALIANCITIZENSHIPONLYAFTERYOUHAVEMADETHEPLEDGEOFCOMMITMENT

ANDHAVEBEENISSUEDWITH%VIDENCEOF!USTRALIAN#ITIZENSHIPFROMTHE$EPARTMENT

OF)MMIGRATIONAND#ITIZENSHIP$)!#


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&ORINFORMATIONONTHEELIGIBILITYREQUIREMENTSANDAPPLICATIONPROCESSFOR!USTRALIANCITIZENSHIPSTUDENTSSHOULDVISIT$)!#SCITIZENSHIPWEBSITEAT

www.citizenship.gov.auORPHONETHECitizenship Information Line on13 18 80.

You should allow sufficient time for your application for Australian citizenship

to be considered if you are intending to become an Australian citizen before

you enrol in a course of study.

Residency requirements

4ODETERMINEWHETHERYOUARERESIDENTIN!USTRALIAFORTHEDURATIONOFYOURUNIT

ANYPERIODOFRESIDENCEOUTSIDE!USTRALIAWILLBEDISREGARDEDIF

A ITCANNOTREASONABLYBEREGARDEDASINDICATINGANINTENTIONTORESIDEOUTSIDE

!USTRALIAFORTHEDURATIONOFTHEUNITOR

B ITISREQUIREDFORTHEPURPOSEOFCOMPLETINGAREQUIREMENTOFTHATUNIT

9OUWILLNOTMEETTHERESIDENCYREQUIREMENTSIFYOURAPPROVEDPROVIDERREASONABLY

EXPECTSTHATYOUWILLNOTBEIN!USTRALIAUNDERTAKINGANYUNITSCONTRIBUTINGTOTHE

COURSEOFSTUDYINWHICHYOUAREENROLLED

New Zealand citizens and non-humanitarian permanent visa holders

7HILE.EW:EALANDCITIZENSANDNONHUMANITARIANPERMANENTVISAHOLDERSare

ELIGIBLETOSTUDYINA#OMMONWEALTHSUPPORTEDPLACETHEYAREnot eligiblefor

a HECS-HELP loan or discounts for up-front paymentsOFSTUDENTCONTRIBUTIONS

UNLESSTHE.EW:EALANDCITIZENISALSOAN!USTRALIAN#ITIZEN4HEYMUSTPAYTHEIR

STUDENTCONTRIBUTIONSUPFRONTTOTHEIRPROVIDERONORBEFORETHECENSUSDATEFOR

EACHUNITOFSTUDYINWHICHTHEYENROL

-OST.EW:EALANDCITIZENSWHOARRIVEIN!USTRALIAARETHEHOLDERSOFATEMPORARY

VISACALLEDA3PECIAL#ATEGORY6ISA4HISISNOTAPERMANENTVISA

2.3 Removal of Student Learning Entitlement (SLE)

3,%WASINTRODUCEDON*ANUARY4HEINTENTOF3,%WASTOLIMITAPERSONS

ABILITYTOSTUDYATAPROVIDERASA#OMMONWEALTHSUPPORTEDSTUDENTTOTHE

EQUIVALENTOFSEVENYEARSFULLTIMESTUDYSUBJECTTOEXCEPTIONSSPECIlEDINTHE

Higher Education Support Act 2003WHICHALLOWEDFORFURTHERPERIODSOF@ADDITIONAL

3,%AND@LIFELONG3,%TOBEALLOCATED


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/N3EPTEMBERTHE0ARLIAMENTPASSEDLEGISLATIONTHATWILLABOLISH3,%FROM*ANUARY5NDERTHEPROVISIONSOFTHE"ILLHIGHEREDUCATIONSTUDENTS

WILLNOLONGERHAVEALIMITPLACEDONHOWMUCHSTUDYTHEYCANUNDERTAKEASA

#OMMONWEALTHSUPPORTEDSTUDENT.

#ONTINUINGSTUDENTSNEEDNOTBECONCERNEDBYANYLIMITSFORMERLYPLACED

ONTHEMBYTHEOPERATIONOFTHE3,%3TUDENTSWHOHAVEUSEDUPTHEIRALLOCATION

OF3,%WILLNOWBEABLETOREENROLFROM*ANUARYTOCOMPLETETHEIRSTUDIES

ASA#OMMONWEALTHSUPPORTEDSTUDENTORTOUNDERTAKEFURTHERSTUDYINA

#OMMONWEALTHSUPPORTEDPLACE4HOSESTUDENTSWHOUSEDUPTHEIR3,%AND

HAVEPAIDTUITIONFEESFORAFEEPAYINGPLACEANDORRECEIVEDAFEE-HELPLOAN

ARENOTABLETORECEIVEAREMITTANCEOFTHOSETUITIONFEESORAREDUCTIONINTHEIR

&%%(%,0DEBT

2.4 How do I accept a Commonwealth supported place?

4OACCEPTANOFFEROFA#OMMONWEALTHSUPPORTEDPLACEYOUNEEDTOSUBMIT

THERequest for Commonwealth Support and HECS-HELPFORMTOYOURPROVIDERBY

THECENSUSDATEOREARLIERADMINISTRATIVEDATEseesection 1.4SETBYTHEPROVIDER

FORTHElRSTUNITSOFYOURCOURSE/THERWISEYOUWILLHAVETOWAITUNTILTHENEXT

SEMESTERTOREAPPLYFORYOUR#OMMONWEALTHSUPPORTEDPLACEANDTHE

(%#3(%,0SCHEMEIFAPPLICABLE

#ONTACTYOURPROVIDERIFYOUDONTKNOWWHATTHECENSUSDATEISFORYOURCOURSE

ANDIFTHEREISALSOANADMINISTRATIVEDATEsee section 1.4

9OUCANONLYGETTHEFORMFROMYOURPROVIDER3OMEPROVIDERSACCEPTFORMSTHAT

ARECOMPLETEDONLINECHECKWITHYOURPROVIDERTOSEEIFYOUCANDOTHISBUTYOU

CANTSUBMITAPHOTOCOPIEDORFAXEDFORM)FYOUNEEDHELPWITHUNDERSTANDING

COMPLETINGORSUBMITTINGTHEFORMCONTACTYOURPROVIDER


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Process to accept your Commonwealth supported place

2.5 Do I have to provide my tax file number (TFN)?

9OUNEEDTOPROVIDEYOUR4&.ONYOURFORMORATTACHACertificate of application

for a tax file numberTOYOURFORMIFYOUAREELIGIBLEFOR(%#3(%,0ANDYOU

s WANTTOOBTAINA(%#3(%,0LOANFORALLORPARTOFYOURSTUDENTCONTRIBUTIONORs AREPAYINGYOURSTUDENTCONTRIBUTIONUPFRONTBUTASASAFETYNETYOUWANT

TOENSURETHATYOUCANSTILLOBTAINA(%#3(%,0LOANIFYOUFAILTOMAKETHE

PAYMENTBYTHECENSUSDATE.

2.6 How do I get a tax file number (TFN)?

)FYOUDONTALREADYHAVEA4&.YOUWILLNEEDTOCOMPLETEATax file number

application or enquiry for an individualFORMAVAILABLEFROMTHE!USTRALIAN4AXATION

/FlCE!4/&ORINFORMATIONONHOWTOAPPLYFORA4&.ORIFYOUCANNOTlNDYOUR4&.CONTACTTHE!4/see Contacts

#HECKYOUROFFEROFENROLMENTLETTERFROMYOURPROVIDEROR4ERTIARY!DMISSIONS#ENTRETO

ENSUREYOUHAVEBEENOFFEREDENROLMENTINACOURSEASA#OMMONWEALTHSUPPORTEDSTUDENT

3UBMITYOURRequest for Commonwealth support and HECS-HELPFORMTOYOURPROVIDERBY

THECENSUSDATEORADMINISTRATIVEDATE2EMEMBERTOCHECKTHISDATEWITHYOURPROVIDER

9OUMUSTSUBMITTHEFORMTOACCEPTYOUROFFEROFA#OMMONWEALTHSUPPORTEDPLACE

)FYOUDONOTDOTHISBYTHECORRECTDEADLINEYOUROFFERWILLLAPSEANDYOUWILLHAVETOWAITUNTILTHENEXTSTUDYPERIODTOREAPPLYFORA#OMMONWEALTHSUPPORTEDPLACE

./Are you eligible for HECS-HELP?

See section 4.2 for details.9%3

3EEsection 4.5FORINFORMATIONABOUTYOURPAYMENTOPTIONSUNDER

(%#3(%,0

9OUNEEDTOPAYYOURFULLSTUDENTCONTRIBUTIONTOYOURPROVIDERBY

THEIRDEADLINE


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!4&.ISUSUALLYSUPPLIEDWITHIN28 daysOFSUBMITTINGTHETax file numberapplication or enquiry for an individualFORM9OUSHOULDAPPLYFORYOUR4&.ASEARLY

ASPOSSIBLETOMAKESUREITARRIVESBEFORETHECENSUSDATEOREARLIERADMINISTRATIVE

DATEWHENYOUNEEDTOSUBMITYOURFORM

)FYOUHAVEAPPLIEDFORA4&.BUTHAVENOTRECEIVEDITWITHIN10 daysBEFORETHIS

DEADLINEYOUSHOULDREQUESTACertificate of application for a tax file numberFROMTHE

!4/ANDGIVEITTOYOURPROVIDERASPROOFTHATYOUHAVEAPPLIED9OUCANGETTHIS

CERTIlCATEBYVISITINGAN!4/SHOPFRONTORBYCONTACTINGTHE!4/see Contacts

9OUHAVE21 daysFROMTHEDAYTHE!4/ISSUESYOUA4&.TOGIVEITTOYOURPROVIDER

2.7 What if I change my course or provider?

)FYOUCHANGEYOURCOURSEORPROVIDERYOUWILLNEEDTOSUBMITANEWFORM

9OUSHOULDCHECKWITHYOURPROVIDERIFYOUTHINKYOUMAYNEEDTOlLLOUTANEWFORM

)FYOUDONEEDTOCOMPLETEANEWFORMANDYOUDONTSUBMITITBYTHECENSUSDATE

YOURPROVIDERWILLCANCELYOURENROLMENTASA#OMMONWEALTHSUPPORTEDSTUDENT

)FYOUTRANSFERTOANEWPROVIDERYOUNEEDTOOFlCIALLYWITHDRAWFROMANYUNITSYOUAREENROLLEDINWITHYOURORIGINALPROVIDER9OUNEEDTODOTHISBEFORETHECENSUS

DATEOTHERWISEYOUWILLSTILLHAVETOPAYTHESTUDENTCONTRIBUTIONSFORTHEUNITS

YOUWITHDREWFROM9OUWILLNEEDTOCHECKANDFOLLOWYOURPROVIDERSWITHDRAWAL

PROCEDURESsee section 6.1

2.8 What if my eligibility changes after I submit the form?

)FTHISHAPPENSYOUNEEDTOADVISEYOURPROVIDERINWRITINGOFTHECHANGE

9OUMAYALSONEEDTOGIVETHEMEVIDENCEOFTHECHANGEnEGYOUR#ERTIlCATEOF!USTRALIAN#ITIZENSHIPsee section 2.2

9OUHAVESIXWEEKSFROMTHECENSUSDATEOFAUNITTOcorrectINFORMATIONYOUHAVE

SUBMITTEDABOUTYOURENTITLEMENTTO(%#3(%,04HISINCLUDESCOLLECTINGANDSUBMITTING

THEDOCUMENTSYOUNEEDTOPROVETHATYOUAREAN!USTRALIANCITIZENnBUTYOUSTILLNEED

TOHAVESUBMITTEDYOURFORMANDOBTAINEDCITIZENSHIPBYTHECENSUSDATE

4HISSIXWEEKPERIODCANTBEUSEDASANEXTENSIONOFTIMESOTHATYOUCAN applyFOR

CITIZENSHIPORGETYOURFORMIN)TJUSTGIVESYOUTHECHANCETOCOLLECTTHEDOCUMENTSYOUNEEDTOPROVEYOURENTITLEMENTTOTHELOANORTOCORRECTINFORMATIONONTHATFORMASAT

THECENSUSDATE


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2.9 Can I enrol in units at different providers?9ES9OUCANENROLINUNITSASA#OMMONWEALTHSUPPORTEDSTUDENTATDIFFERENT

PROVIDERSASLONGAS

s THEUNITSCONTRIBUTETOWARDSTHEREQUIREMENTSOFTHECOURSEYOUAREENROLLEDIN

ASA#OMMONWEALTHSUPPORTEDSTUDENTnEGCROSSINSTITUTIONALSTUDYAND

s YOUREMAINELIGIBLEFOR#OMMONWEALTHSUPPORTsee section 2.1


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3. STUDENT CONTRIBUTION AMOUNTS FORCOMMONWEALTH SUPPORTED PLACES

3.1 How much will I pay for my Commonwealth

supported place?

4HE!USTRALIAN'OVERNMENTFUNDS#OMMONWEALTHSUPPORTEDPLACESBYPAYING

GRANTSTOAPPROVEDPROVIDERSPROVIDERS.

)NADDITIONTOTHIS'OVERNMENTCONTRIBUTIONseeAppendix D#OMMONWEALTH

SUPPORTEDSTUDENTSPAYASTUDENTCONTRIBUTIONAMOUNTFOREACHUNITOFSTUDY

THEYUNDERTAKE

4HE'OVERNMENTGROUPSDIFFERENTAREASOFSTUDYINTOFOUR@"ANDSseeTable 1AND

SETSAMAXIMUMAMOUNTTHATYOURPROVIDERCANCHARGEYOUFORINDIVIDUALUNITSIN

EACHBANDsee Table 1

&OREXAMPLEBASEDONTHERATESATHREEYEAREDUCATIONDEGREEUNDERTAKEN

ASA#OMMONWEALTHSUPPORTEDSTUDENTWOULDHAVEASTUDENTCONTRIBUTIONAMOUNTOFAROUNDFORTHATDURATIONIFALLTHEIRUNITSWERECLASSIlEDAS

"AND!LTERNATIVELYATHREEYEARACCOUNTINGDEGREEWOULDHAVEASTUDENT

CONTRIBUTIONOFAROUNDIFALLTHEUNITSWERECLASSIlEDAS"AND

9OURPROVIDERDETERMINESTHESTUDENTCONTRIBUTIONITWILLCHARGEFOREACHUNIT

-OSTPROVIDERSCHARGETHEMAXIMUMRATE4HEAMOUNTSINCREASESLIGHTLYEACHYEAR

DUETOINDEXATION

How do I calculate the student contribution amount for an individual unit?

9OURSTUDENTCONTRIBUTIONAMOUNTWILLDEPENDON

s THEMAXIMUMANDMINIMUMRANGESETBYTHE'OVERNMENTFORTHESTUDENT

CONTRIBUTIONBANDTHATYOURUNITlTSINTO

s THEWEIGHTOFTHEUNITnIEITSEQUIVALENTFULLTIMESTUDENTLOAD VALUECHECK

WITHYOURPROVIDERIFYOUDONTKNOWTHE%&43,VALUEOFYOURUNITSAND

s THEYEARYOUBEGANYOURCOURSEOFSTUDYseeAppendix B


20/56


Table 1: 2012 Student contribution amounts

Student contribution bandStudent contribution

range (per EFTSL)

Band 3 ,AWDENTISTRYMEDICINEVETERINARY

SCIENCEACCOUNTINGADMINISTRATIONECONOMICSCOMMERCESEENOTE

n

Band 2 #OMPUTINGBUILTENVIRONMENTOTHERHEALTH!LLIEDHEALTHENGINEERING

SURVEYINGAGRICULTURE

n

Band 1 (UMANITIESBEHAVIOURALSCIENCESOCIALSTUDIESEDUCATIONCLINICAL

PSYCHOLOGYFOREIGNLANGUAGESVISUALANDPERFORMINGARTSNURSINGSEENOTES

AND

n

National

Priorities Band

-ATHEMATICSSTATISTICSSCIENCESEE

NOTESAND

n

Notes:

)FYOUBEGANYOURCOURSEASA#OMMONWEALTHSUPPORTEDSTUDENTBEFORE*ANUARY

YOUMAYBECHARGEDLESSTHANTHEMAXIMUMAMOUNTINTABLEFORUNITSINACCOUNTING

ADMINISTRATIONECONOMICSANDCOMMERCE&ORMOREINFORMATION see Appendix B.

)FYOUBEGANYOURCOURSEASA#OMMONWEALTHSUPPORTEDSTUDENTBEFORE*ANUARY

YOUMAYBECHARGEDLESSTHANTHEMAXIMUMAMOUNTINTABLEFORUNITSINEDUCATION

ANDNURSING&ORMOREINFORMATION see Appendix B

)FYOUBEGANYOURCOURSEBEFORE*ANUARYYOUMAYBECHARGEDMORETHANTHE

CURRENT.ATIONAL0RIORITY"ANDRATEIN4ABLEFORUNITSINMATHEMATICSSTATISTICSAND

SCIENCE&ORMOREINFORMATIONsee Appendix B.

)FYOUAREAMATHSSCIENCEEDUCATIONNURSINGORMIDWIFERYGRADUATEYOUMAYBE

ELIGIBLEFORA(%#3(%,0"ENElTsee Appendix C.

9OUSHOULDBEARINMINDTHATINDIVIDUALUNITSINACOURSECANBECLASSIlEDIN

DIFFERENTBANDS&OREXAMPLEA"ACHELOROF.URSINGCOURSEMAYREQUIRESOMEUNITS

THATARECLASSIlEDAS@HEALTHSOMEAS@NURSINGANDSOMEAS@SCIENCE9OURPROVIDER

CANSETTHESTUDENTCONTRIBUTIONAMOUNTSFORTHEHEALTHUNITSUPTOTHEMAXIMUM

FOR"ANDFORTHENURSINGUNITSUPTOTHEMAXIMUMFOR"ANDANDFORSCIENCEUNITSUPTOTHEMAXIMUMFORTHE.ATIONAL0RIORITY"AND


21/56


4OCALCULATEYOURSTUDENTCONTRIBUTIONAMOUNTFOREACHUNITYOUlRSTNEEDTOlNDOUTFROMYOURPROVIDERWHAT"ANDRATEAPPLIESTOYOURUNIT

Example: Working out the student contribution amount

for a unit

,IBBYBEGINSA"ACHELOROF!RTSINANDONEOFTHEUNITSINWHICHSHEENROLS

IS(ISTORY!(ERPROVIDERHASSETTHESTUDENTCONTRIBUTIONAMOUNTFORTHIS

UNITATFORONE%&43,4HEUNITHASAN%&43,VALUEOF

3HECANUSETHISFORMULATOCALCULATEHERSTUDENTCONTRIBUTIONAMOUNT

Student contribution

amount set by the providerX EFTSL value of the unit

&OR,IBBYS(ISTORY!UNITTHECALCULATIONWOULDBE

$5,648 X 0.125 = $706.00

The result is rounded down to the nearest dollar.

3.2 Are Commonwealth supported places available at the

postgraduate level?

-OSTPOSTGRADUATESTUDENTSSTUDYINAFEEPAYINGPLACEBUTTHEREARE

SOME#OMMONWEALTHSUPPORTEDPLACESAVAILABLEATTHEPOSTGRADUATELEVEL

(OWEVERTHESEAREGENERALLYCOURSESTHATAREORAREMOVINGTOWARDSBEINGANACCEPTEDENTRYLEVELQUALIlCATIONFORAPROFESSIONORWHEREPROFESSIONAL

ENTRYTRAININGISONLYOFFEREDATTHEPOSTGRADUATELEVEL#ONTACTYOURINTENDED

PROVIDERFORMOREINFORMATIONABOUTWHETHERITOFFERS#OMMONWEALTHSUPPORTED

PLACESATTHEPOSTGRADUATELEVEL


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4. USING HECS-HELP TO PAY YOUR STUDENTCONTRIBUTIONS

4.1 What is HECS-HELP?


4HE!USTRALIAN'OVERNMENTHASANNOUNCEDTHEREDUCTIONOFTHE(%#3(%,0

DISCOUNTFROMTOFROM*ANUARYSUBJECTTOTHEPASSAGEOFLEGISLATION

2EFERTOwww.goingtouni.gov.auFORUPTODATEINFORMATIONONTHESTATUSOF

THELEGISLATION

(%#3(%,0ISASCHEMETHATHELPSELIGIBLESTUDENTSPAYTHEIR STUDENTCONTRIBUTIONS

FORUNITSOFSTUDYINWHICHTHEYAREENROLLEDASA#OMMONWEALTHSUPPORTEDSTUDENT .

%LIGIBLESTUDENTSCANTAKEOUTA(%#3(%,0LOANFOREITHERALLORPARTOFTHEIR

STUDENTCONTRIBUTIONSORACCESSTHE(%#3(%,0DISCOUNTIFTHEYCHOOSETOPAY

ORMOREOFTHEIRSTUDENTCONTRIBUTIONSUPFRONT

4.2 Am I eligible for HECS-HELP?

9OUAREELIGIBLEFOR(%#3(%,0IFYOUAREENROLLEDASA#OMMONWEALTHSUPPORTED

STUDENTANDAREEITHER

ANAustralian citizen OR

A permanent@humanitarian visa holder

resident in Australia for the duration

of your unit

Who is not eligible for HECS-HELP?

.EW:EALANDCITIZENSANDPERMANENTVISAHOLDERSNONHUMANITARIANSUBCLASS

ARENOTELIGIBLETOACCESSA(%#3(%,0LOANORTHEDISCOUNTFORUPFRONTPAYMENTS

TOPAYTHEIRSTUDENTCONTRIBUTIONS4HEYMUSTPAYTHEIRSTUDENTCONTRIBUTIONS

UPFRONTANDINFULLBYTHECENSUSDATESETBYTHEIRAPPROVEDPROVIDERPROVIDER


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4.3 How do I apply for HECS-HELP?4OAPPLYFOR(%#3(%,0YOUNEEDTO

s COMPLETEANDSUBMITASIGNEDRequest for Commonwealth support and HECS-HELP

FORMTOYOURPROVIDERBYTHECENSUSDATEORADMINISTRATIVEDATESETBYYOUR

PROVIDERsee section 1.4AND

s SUPPLYYOURTAXlLENUMBERsee sections 2.5 and 2.6IFYOUINTENDTOPAY

YOURSTUDENTCONTRIBUTIONSWITHA(%#3(%,0LOANOR

s PAYOFYOURSTUDENTCONTRIBUTIONSUPFRONTTOYOURPROVIDER4HISISAFULL

UPFRONTPAYMENTASTHE'OVERNMENTWILLPAYTHEREMAININGTOYOURPROVIDERnTHISISYOUR(%#3(%,0DISCOUNTsee section 4.5

4.4 Do I have to provide my tax file number (TFN)?

)FYOUAREAN!USTRALIANCITIZENORAPERMANENTHUMANITARIANVISAHOLDERYOUHAVE

TOPROVIDEYOUR4&.ONTHEFORMIFYOUWANTTOGETA(%#3(%,0LOANTOPAYYOUR

STUDENTCONTRIBUTIONS

%VENIFYOUWANTTOPAYYOURSTUDENTCONTRIBUTIONSUPFRONTITSSTILLAGOODIDEATOPROVIDEYOUR4&.ASASAFETYNETSOTHATYOUCANSTILLGETA(%#3(%,0LOANIFYOU

FORGETTOMAKEYOURUPFRONTPAYMENTINTIME2EFERTOsection 2.6FORINFORMATION

ABOUTHOWTOOBTAINA4&.

4.5 How the HECS-HELP discount works

Making a full up-front payment

4OPAYYOURFULLSTUDENTCONTRIBUTIONFORASTUDYPERIODUPFRONTYOUONLY

NEEDTOPAYOFTHETOTALBECAUSEYOUGETADISCOUNT9OUNEEDTOMAKETHISPAYMENTBYTHECENSUSDATEORADMINISTRATIVEDATESETBYYOURPROVIDERFOR

YOURUNITS

9OURPROVIDERCANNOTACCEPTAPAYMENTOFMORETHANOFYOURSTUDENT

CONTRIBUTIONFORANYPARTICULARUNIT


24/56


Example

$ANIELISENROLLEDINFOURUNITSASPARTOFA"ACHELOROF%NGINEERINGALLWITHA

CENSUSDATEOF-ARCHANDISELIGIBLEFOR(%#3(%,04HETOTALSTUDENT

CONTRIBUTIONFORTHESEUNITSFORONESEMESTERIS

$ANIELWANTSTOPAYHISFULLSTUDENTCONTRIBUTIONFORTHESEMESTERUPFRONT

4ODOSOHEPAYSOFTOHISPROVIDERBY-ARCH

4HE'OVERNMENTPAYSTHEREMAININGDIRECTLYTOTHEPROVIDER4HISIS

$ANIELS(%#3(%,0DISCOUNT

)FYOUDONTINTENDTOGETA(%#3(%,0LOANYOUDONTNEEDTOPROVIDEYOUR4&.

ONYOURFORM(OWEVERYOUMAYWISHTOPROVIDEITANYWAYSOTHATYOUCANSTILLGET

A(%#3(%,0LOANIFYOUCANNOTMAKETHEFULLUPFRONTPAYMENTBYTHECENSUSDATE

ORADMINISTRATIVEDATESETBYYOURPROVIDER

Making a partial up-front payment

)FYOUPAYLESSTHANOFYOURFULLSTUDENTCONTRIBUTIONFORTHERELEVANTSEMESTER

THISISAPARTIALUPFRONTPAYMENT4HESEPAYMENTSNEEDTOBEMADEBYTHECENSUS

DATEORADMINISTRATIVEDATE9OUWILLGETADISCOUNTONANYPARTIALUPFRONT

PAYMENTOFORMORE

)FYOUINTENDTOMAKEAPARTIALUPFRONTPAYMENTYOUNEEDTOPROVIDEYOUR

4&.ORACertificate of application for a tax file numberONYOURFORMSOTHAT

THEREMAININGAMOUNTCANBEPAIDWITHA(%#3(%,0LOANBYTHECORRECT

DATEnsee section 1.4.

4OCALCULATETHEREALVALUEOFYOURPAYMENTINCLUDINGTHEDISCOUNTMULTIPLYYOUR

PAYMENTBY4OCALCULATETHEAMOUNTOFYOURSTUDENTCONTRIBUTIONTHATWILLBECOMEA(%#3(%,0DEBTSUBTRACTYOURUPFRONTPAYMENTANDTHEDISCOUNTFROM

THETOTAL


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Example

.ICOLEENROLSINFOURUNITSASPARTOFHER"ACHELOROF%NGINEERINGALLWITHA

CENSUSDATEOF-ARCHANDISELIGIBLEFOR(%#3(%,04HETOTALSTUDENT

CONTRIBUTIONFORTHESEUNITSFORONESEMESTERIS

3HEMAKESAPARTIALUPFRONTPAYMENTOFBEFORETHECENSUSDATE

4HEVALUEOFHERPAYMENTINCLUDINGTHEDISCOUNTISX

(ER(%#3(%,0DEBTWILLTHEREFOREBEn

4HE'OVERNMENTWILLPAYTHISAMOUNTPLUSTHEAMOUNTOFTHE

DISCOUNTnTO.ICOLESPROVIDERONHERBEHALF3HEWILLHAVE

TOSTARTREPAYINGHERDEBTWHENSHEEARNSABOVETHE!4/SMINIMUM

THRESHOLDFORCOMPULSORYREPAYMENT

Remember:

)FYOUHAVEPROVIDEDYOUR4&.ANDAREELIGIBLEFOR(%#3(%,0YOURUNPAIDSTUDENT

CONTRIBUTIONAMOUNTAUTOMATICALLYBECOMESA(%#3(%,0LOANANDONCEREPORTED

TOTHE!4/BECOMESANACCUMULATED(%,0DEBTTHATYOUWILLSTARTREPAYINGWHENYOURINCOMEEXCEEDSTHEREPAYMENTTHRESHOLD.

4.6 What if I become an Australian citizen after I have

submitted my form?

)FYOUBECOMEELIGIBLEFOR(%#3(%,0BYBECOMINGAN!USTRALIANCITIZENAFTER

YOUHAVESUBMITTEDYOURFORMBUTBYTHECENSUSDATEYOUNEEDTOINFORMYOUR

PROVIDERINWRITINGOFTHISCHANGEANDGIVETHEMEVIDENCEOFTHECHANGESUCHAS

YOUR#ERTIlCATEOF!USTRALIAN#ITIZENSHIPnsee section 2.2

9OUHAVESIXWEEKSFROMTHECENSUSDATEOFAUNITTOcorrectINFORMATIONYOUHAVE

SUBMITTEDABOUTYOURENTITLEMENTTO(%#3(%,04HISINCLUDESCOLLECTINGANDSUBMITTING

THEDOCUMENTSYOUNEEDTOPROVETHATYOUAREAN!USTRALIANCITIZENBUTYOUSTILLNEEDTO

HAVESUBMITTEDYOURFORMANDOBTAINEDCITIZENSHIPBYTHECENSUSDATE

4HISSIXWEEKPERIODCANTBEUSEDASANEXTENSIONOFTIMESOTHATYOUCAN applyFOR

CITIZENSHIPORGETYOURFORMIN)TJUSTGIVESYOUTHECHANCETOCOLLECTTHEDOCUMENTSYOU

NEEDTOPROVEYOURENTITLEMENTTOTHELOANORTOCORRECTINFORMATIONONTHATFORMASATTHECENSUSDATE


26/56


4.7 What are my student contribution payment options underHECS-HELP?


4HE!USTRALIAN'OVERNMENTHASANNOUNCEDITSINTENTIONTOLOWERTHE

(%#3(%,0DISCOUNTFROMTOFROM*ANUARYSUBJECTTOTHE

PASSAGEOFLEGISLATION

2EFERTOwww.goingtouni.gov.auFORUPTODATEINFORMATIONREGARDINGTHE

STATUSOFTHELEGISLATION

)FYOUAREELIGIBLEFOR(%#3(%,0YOUHAVETHREEOPTIONSFORPAYINGYOUR

STUDENTCONTRIBUTIONS

PAYTHEFULLAMOUNTUPFRONTYOUWILLGETTHETHEDISCOUNT

PAYPARTOFTHEAMOUNTUPFRONTANDTAKEOUTA(%#3(%,0LOANFORTHE

REMAINDERYOUWILLGETTHE(%#3(%,0DISCOUNTFORUPFRONTPAYMENTSOF

ORMOREOR

TAKEOUTA(%#3(%,0LOANFORTHEFULLAMOUNT

)FYOUDONTPAYYOURFULLSTUDENTCONTRIBUTIONUPFRONTANDHAVENOTPROVIDED

A4&.ORACertificate of application for a tax file numbernsee section 2.6BY

THECENSUSDATETOACCESSA(%#3(%,0LOANYOURPROVIDERMUSTCANCELYOUR

ENROLMENTASA#OMMONWEALTHSUPPORTEDSTUDENT9OURPROVIDERCANNOTACCEPT

ANUPFRONTSTUDENTCONTRIBUTIONPAYMENTAFTERTHISDEADLINE


27/56


Payment options for student contributions under HECS-HELP

Option 1

0AYTHEFULLAMOUNT

UPFRONTTOACCESS

THE(%#3(%,0

DISCOUNT

Option 3

0AYPARTOFTHEAMOUNTUPFRONTANDUSE

A(%#3(%,0LOANFORTHEREMAINDER

&ORUPFRONTPAYMENTSOFORMORE

YOUWILLRECEIVETHE(%#3(%,0DISCOUNTON

THATAMOUNT

9OUTAKEOUTA(%#3(%,0LOANFORTHE

REMAINDER

Option 2

5SEA(%#3(%,0

LOANFORTHEFULL

AMOUNT

!NYAMOUNTNOTCOVEREDBYANUPFRONTPAYMENTISPAIDWITHA(%#3(%,0LOAN4HE

!USTRALIAN4AXATION/FlCE!4/RECORDSYOUR(%#3(%,0LOANASADEBTAGAINSTYOURTAX

lLENUMBERseeSection 7FORMOREINFORMATION

9OUR(%#3(%,0LOANANDANYOTHERLOANSACCESSEDUNDERTHE(%,0SCHEMEARE

CONSOLIDATEDINTOYOURaccumulated HELP debt9OUR(%,0DEBTWILLBEINDEXEDANNUALLY

ON*UNEIEINCREASEDINLINEWITHMOVEMENTSINTHE#ONSUMER0RICE)NDEX

)FYOURINCOMEISATORBELOWTHE!4/SMINIMUMREPAYMENTTHRESHOLDFORTHE

lNANCIALYEARACOMPULSORYREPAYMENT

WILL NOTBEREQUIRED

)FYOURINCOMEISABOVETHE!4/SMINIMUMREPAYMENTTHRESHOLDFORTHE

lNANCIALYEARACOMPULSORYREPAYMENT

WILL BEREQUIRED

4HE!4/CALCULATESYOURCOMPULSORY

REPAYMENTAMOUNTFORTHEYEAR

9OUCANMAKEVOLUNTARYREPAYMENTSTOTHE!4/ATANYTIMEANDGETABONUSFORPAYMENTS

OFORMOREseeSection 7FORMOREINFORMATIONABOUTREPAYINGYOUR(%,0DEBT


28/56


4.8 Can I change my payment option?9OUHAVEUNTILTHECENSUSDATETOCHANGEYOUR(%#3(%,0PAYMENTOPTION

4HEFORMASKSYOUTOINDICATEYOURPAYMENTOPTIONFORTHESTUDENT

CONTRIBUTION9OUDONTHAVETOSTICKWITHTHEOPTIONYOUCHOOSEONTHEFORMFOR

EACHSTUDYPERIOD9OUCANSTILLMAKEANYUPFRONTPAYMENTSBYTHECENSUSDATE

)FYOUHAVEPROVIDEDYOUR4&.ORYOURCertificate of application for a TFNANY

UNPAIDAMOUNTWILLAUTOMATICALLYBECOMEA(%#3(%,0LOANIFYOUAREELIGIBLE

FOR(%#3(%,0nNOMATTERWHATOPTIONYOUINDICATEDONTHEFORM

&OREXAMPLEIFYOUINDICATEDONTHEFORMTHATYOUINTENDEDTOGETA(%#3(%,0

LOANFORYOURFULLSTUDENTCONTRIBUTIONBUTYOUNOWWANTTOMAKEANUPFRONT

PAYMENTYOUDONTNEEDTOlLLOUTANOTHERFORMJUSTMAKETHEPAYMENTTOYOUR

PROVIDERBYTHECENSUSDATE

4.9 Does an existing HELP debt affect my eligibility for

HECS-HELP?

.O!NEXISTING(%,0DEBTDOESNOTAFFECTYOURELIGIBILITYFOR(%#3(%,0

4.10 Can I get a HECS-HELP loan if Im a mature aged student

or studying part-time?

9OURELIGIBILITYFOR(%#3(%,0ISNOTAFFECTEDBYYOURAGEORWHETHERYOUSTUDY

PARTTIME

4.11 Do my assets or income affect my eligibility forHECS-HELP?

.O9OURASSETSORINCOMEDONOTAFFECTYOURELIGIBILITYFOR(%#3(%,0(OWEVER

YOURINCOMEWILLAFFECTWHENYOUBEGINREPAYINGYOURDEBTsee section 7.2

4.12 Is my student contribution tax deductible?

.O9OURSTUDENTCONTRIBUTIONISNTTAXDEDUCTIBLEEVENIFYOUPAYITUPFRONT

4HISISBECAUSEYOURENROLMENTASA#OMMONWEALTHSUPPORTEDSTUDENTISALREADY

SUBSIDISEDBYTHE'OVERNMENTSOTHATYOUONLYHAVETOPAY@STUDENTCONTRIBUTIONSFORYOURUNITSOFSTUDY


29/56


5. HOW TO KEEP TRACK OF YOUR HECS-HELP

5.1 Your Commonwealth Higher Education Student Support

Number (CHESSN)

7HENYOUlRSTAPPLYFORADMISSIONTOYOURAPPROVEDPROVIDERPROVIDEROR

4ERTIARY!DMISSIONS#ENTRETHEYWILLALLOCATEYOUA#(%33.4HE#(%33.ISA

UNIQUEIDENTIlERTHATREMAINSWITHYOUTHROUGHOUTYOURSTUDIESANDAFTERWARDS

)THELPSYOUPROVIDERSANDTHE!USTRALIAN'OVERNMENTKEEPUPTODATEINFORMATIONABOUTTHE#OMMONWEALTHASSISTANCEFORHIGHEREDUCATIONTHATYOUMAYHAVEUSED

9OUCANUSEYOUR#(%33.ANDOTHERPERSONALIDENTIFYINGDETAILSTOACCESS

myUniAssistATwww.goingtouni.gov.auWHICHPROVIDESINFORMATIONABOUTHOW

MUCH#OMMONWEALTHASSISTANCEYOUHAVEUSED

9OUWILLBENOTIlEDOFYOUR#(%33.INYOUR#OMMONWEALTH!SSISTANCE.OTICE

)FYOUHAVEANYQUESTIONSORNEEDANYHELPWITHYOUR#(%33.PLEASECONTACT

YOURPROVIDER

5.2 Your Commonwealth Assistance Notice (CAN)

9OURPROVIDERWILLSENDYOUA#!.28 daysAFTERTHECENSUSDATEOFEACHSTUDY

PERIOD4HISNOTICEWILLDETAIL

s THESTUDENTCONTRIBUTIONAMOUNTSYOUHAVEBEENCHARGEDFORTHEUNITSYOUARE

ENROLLEDINAND

s THEAMOUNTOF(%#3(%,0DEBTYOUHAVEINCURREDFORTHATSEMESTERIFYOUARE

USING(%#3(%,0TOPAYYOURSTUDENTCONTRIBUTIONS

Is your CAN correct?

9OUSHOULDCHECKTHEDETAILSONYOUR#!.CAREFULLY)NPARTICULARMAKESURE

s THESTUDENTCONTRIBUTIONAMOUNTSONTHE#!.ARETHESAMEASTHOSEPUBLISHED

ONYOURPROVIDERSWEBSITEORINVOICEISSUEDTOYOUAND

s THE#!.DOESNTINCLUDEANYUNITSYOUWITHDREWFROMBYTHECENSUSDATE


30/56


)FYOUTHINKTHEREAREINCORRECTDETAILSONYOUR#!.YOUHAVE14 daysSOMEPROVIDERSMAYALLOWMORETIMEFROMTHEDATEOFTHE#!.TOSUBMITAWRITTEN

REQUESTFORCORRECTION

9OUSHOULDKEEPALL#!.STHATARESENTTOYOUSOTHATYOUHAVEARECORDOFTHE

TOTALAMOUNTOFASSISTANCEYOUHAVEUSEDASA#OMMONWEALTHSUPPORTEDSTUDENT

4HE#!.SAREAHANDYWAYFORYOUTOKEEPTRACKOFYOURENTITLEMENTSASYOU

PROGRESSTHROUGHYOURCOURSE

5.3 What is myUniAssist?9OUCANCHECKHOWMUCH#OMMONWEALTHASSISTANCEYOUHAVEUSEDONmyUniAssist

ATwww.goingtouni.gov.au TOKEEPTRACKOFYOURENTITLEMENTS9OUWILLNEEDYOUR

#(%33.see section 5.1TOLOGIN

!STHEREISNOlNANCIALLIMITONTHEAMOUNTOF(%#3(%,0ELIGIBLESTUDENTSCAN

USEmyUniAssistWILLNOTSHOWTHISINFORMATION

&EEPAYINGSTUDENTSWHOUSEFEE-HELPTOPAYTHEIRTUITIONFEESCANUSE

myUniAssistASONEWAYOFCHECKINGTHEYHAVEENOUGH&%%(%,0BALANCETOCOVERTHEIRTUITIONFEESREFERTOTHEFEE-HELP information 2012 bookletFORMORE

INFORMATIONON&%%(%,0ANDTHE&%%(%,0BALANCE

Note: How to use the information on myUniAssist

)TISIMPORTANTTHATSTUDENTSUNDERSTANDTHAT$%%72MUSTVALIDATETHEDATASUBMITTEDBY

APPROVEDPROVIDERSTOENSUREITISCORRECTBEFORE$%%72CANUPLOADTHATINFORMATIONFOR

STUDENTSONmyUniAssistANDREPORTTHATDATATOTHE!USTRALIAN4AXATION/FlCE

'IVENTHETIMELAGYOUMAYNEEDTOADDANYUNITSYOUHAVERECENTLYENROLLEDINARECURRENTLYENROLLEDINREFERTOYOUR#!.FORTHERELEVANTSTUDYPERIODTOTHEINFORMATION

SHOWNONmyUniAssistTODETERMINEYOURENTITLEMENTS


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6. WITHDRAWING FROM STUDIES

6.1 How do I withdraw from a unit?

4OWITHDRAWFROMAUNITWITHOUTINCURRINGA(%#3(%,0DEBTFORTHEUNITORLOSING

ANUPFRONTPAYMENTYOUNEEDTOFOLLOWTHEFORMALWITHDRAWALPROCEDURESOF

YOURAPPROVEDPROVIDERPROVIDERBYTHECENSUSDATE

9OUNEEDTOCOMPLETETHEFORMALWITHDRAWALPROCESSFOREVERYUNITYOUWANTTO

WITHDRAWFROM)FTHECOURSEOFSTUDYYOUAREWITHDRAWINGFROMINVOLVEDBEINGENROLLEDWITHMORETHANONEPROVIDERYOUNEEDTOFORMALLYWITHDRAWFROM

EACHPROVIDER

4HEMAINPOINTSARE

s YOURFORMALWITHDRAWALNEEDSTOBEINWRITINGONTHEFORMREQUIREDBY

YOURPROVIDER

s YOUNEEDTOSUBMITTHISFORMINTIMEFORITTOBEDELIVEREDANDPROCESSEDBY

THECENSUSDATE

s YOUMAYNEEDTOWITHDRAWONLINEnCHECKWITHTHESTUDENTADMINISTRATIONAREA

ATYOURPROVIDERAND

s KEEPACOPYOFYOURWITHDRAWALDOCUMENTATIONASCONlRMATIONTHATYOU

COMPLETEDYOURPROVIDERSFORMALWITHDRAWALPROCEDURESBYTHECENSUSDATE

&ORDETAILSORIFYOUNEEDANYHELPWITHTHEPROCESSCONTACTYOURPROVIDER

4HECENSUSDATEISNOTTHESAMETHINGASTHEACADEMICWITHDRAWALDATEnTHE

DATESETBYYOURPROVIDERFORWITHDRAWINGFROMAUNITWITHOUTHAVINGAFAIL

GRADERECORDEDONYOURACADEMICTRANSCRIPT

6.2 What happens if I withdraw by the census date?

)FYOUFORMALLYWITHDRAWFROMAUNITBYTHECENSUSDATEYOUWILLNOTBEREQUIRED

TOPAYTHESTUDENTCONTRIBUTIONAMOUNTFORTHATUNIT)FYOUMADEANUPFRONT

STUDENTCONTRIBUTIONPAYMENTFORTHEUNITYOUWILLGETAREFUNDFROMYOUR

PROVIDER)FYOUCHOSETOUSE(%#3(%,0FORTHESTUDENTCONTRIBUTIONYOUWILL

NOTINCURA(%#3(%,0DEBTFORTHEUNIT


32/56


6.3 What happens if I withdraw after the census date?)FYOUWITHDRAWFROMAUNITAFTERTHECENSUSDATEYOUWILLBEREQUIREDTOPAYTHE

STUDENTCONTRIBUTIONFORTHATUNIT)FYOUMADEANUPFRONTSTUDENTCONTRIBUTION

PAYMENTFORTHEUNITYOUWILLNOTBEABLETOGETAREFUND)FYOUPROVIDEDYOURTAX

lLENUMBERTOYOURPROVIDEREITHERASASAFETYNETORTOGETA(%#3(%,0LOANYOU

WILLINCURA(%#3(%,0DEBTFORTHEUNIT

9OUCANNOTTRANSFERORDEFERTHISDEBTTOANOTHERUNITOFSTUDY

)FYOUWITHDRAWFROMAUNITAFTERTHECENSUSDATEBECAUSEYOUBECOMESERIOUSLYILLORBECAUSEOFOTHER@SPECIALCIRCUMSTANCESsee section 6.7YOUCANAPPLYTO

YOURPROVIDERTOHAVETHE(%#3(%,0DEBTFORTHEUNITREMOVED

6.4 Will changing my study load affect my eligibility for

Youth Allowance, Austudy, ABSTUDY or Pensioner

Education Supplement?

)TMAY9OUNEEDTONOTIFY#ENTRELINKWITHIN14 daysAFTERYOUCHANGEYOUR

STUDYLOAD4HEYWILLTHENASSESSWHETHERYOUREMAINELIGIBLEFORINCOMESUPPORT&ORMOREINFORMATIONCONTACT#ENTRELINKsee Contacts

6.5 What happens if I fail a unit?

)FYOUFAILAUNITYOUSTILLHAVETOPAYTHESTUDENTCONTRIBUTIONREGARDLESSOFWHETHER

YOUATTENDEDANYCLASSESORWILLREPEATTHEUNIT9OUWONTGETAREFUNDFORANY

UPFRONTPAYMENTANDANY(%#3(%,0DEBTYOUINCURREDWILLREMAIN3TUDENTSWHO

FAILAUNITWILLBEREQUIREDTOPAYFORTHATUNITASECONDTIMEIFTHEYUNDERTAKEITAGAIN

)NCERTAIN@SPECIALCIRCUMSTANCESsee section 6.7YOUCANAPPLYTOYOURPROVIDER

TOHAVETHE(%#3(%,0DEBTFORTHEUNITREMOVED

6.6 What happens if I transfer to a different provider?

)FYOUCHANGEPROVIDERSYOUNEEDTOWITHDRAWFROMYOURORIGINALPROVIDER

#HECKWITHTHEPROVIDERTOlNDOUTTHEIRCORRECTPROCEDUREFORTHIS

9OUWILLALSONEEDTOFORMALLYWITHDRAWsee section 6.1FROMANYSUBSEQUENT

UNITSYOUAREENROLLEDINWITHYOURORIGINALPROVIDER


33/56


6.7 How can I apply to have my HECS-HELP debt removedunder special circumstances?

4OREMOVEANYASSOCIATED(%#3(%,0DEBTANDREFUNDANYUPFRONTPAYMENTS

YOURPROVIDERMUSTBESATISlEDTHATSPECIALCIRCUMSTANCESAPPLIEDTOYOUANDTHAT

THECIRCUMSTANCES

s WEREBEYONDYOURCONTROLAND

s DIDNOTMAKETHEIRFULLIMPACTONYOUUNTILONORAFTERTHECENSUSDATEAND

s WERESUCHTHATTHEYMADEITIMPRACTICABLEFORYOUTOCOMPLETEYOURUNITSOF

STUDYREQUIREMENTS

9OURPROVIDERWILLASSESSYOURAPPLICATIONINACCORDANCEWITHTHEREQUIREMENTSOF

THEHigher Education Support Act 2003ANDITSASSOCIATEDGUIDELINES9OUWILLNEED

TOPROVIDEINDEPENDENTSUPPORTINGDOCUMENTATIONTOSUPPORTYOURCLAIMTHAT

SPECIALCIRCUMSTANCESOCCURRED

)FYOUHAVESUCCESSFULLYCOMPLETEDAUNITOFSTUDYYOUCANNOTAPPLYTOHAVE

YOUR(%#3(%,0DEBTREMOVEDFORTHATUNIT

How to apply

9OUNEEDTOAPPLYTOYOURPROVIDER9OURAPPLICATIONMUSTINDICATETHEUNITSOF

STUDYFORWHICHYOUARESEEKINGTOHAVEYOUR(%#3(%,0DEBTREMOVED)TMUSTALSO

DETAILTHESPECIALCIRCUMSTANCESTHATYOUBELIEVEMADEITIMPRACTICABLEFORYOUTO

COMPLETETHOSEUNITS9OUSHOULDCONTACTYOURPROVIDERTOlNDOUTHOWTOSUBMIT

ANAPPLICATIONUNDERTHESECIRCUMSTANCES

Time limit for applying

9OURAPPLICATIONMUSTREACHYOURPROVIDERWITHIN12 monthsOFYOURWITHDRAWALDAY

4HE@WITHDRAWALDAYISTHEDAYYOURPROVIDERSPECIlESINITSNOTICETOYOUASTHE

DAYTHEWITHDRAWALTAKESEFFECT)FYOUHAVENOTWITHDRAWNYOUR@WITHDRAWALDAY

ISTHELASTDAYOFTHEPERIODINWHICHYOUWERETOUNDERTAKETHEUNIT

9OURPROVIDERMAYEXTENDTHETIMELIMITIFITISSATISlEDTHATITWASNOTPOSSIBLEFOR

YOUTOAPPLYWITHINTHEMONTHS


34/56


Can I appeal the decision?)FYOUAREUNHAPPYWITHYOURPROVIDERSDECISIONYOUMUSTAPPLYTOTHEMIN

WRITINGWITHIN28 daysORTHEPERIODALLOWEDBYYOURPROVIDERFORAREVIEWOF

THEIRDECISION

)FYOUAREUNHAPPYWITHTHEREVIEWEDDECISIONYOUHAVE28 daysTOAPPLYTO

THE!DMINISTRATIVE!PPEALS4RIBUNAL!!4FORANINDEPENDENTREVIEW&ORMORE

INFORMATIONVISITwww.aat.gov.au


35/56


7. REPAYING YOUR HELP DEBT

7.1 What is a HELP debt?

9OUR(%,0DEBTISMADEUPOFANY(%#3(%,0&%%(%,06%4&%%(%,0OR/3(%,0

DEBTSYOUHAVEINCURRED!LLYOUR(%,0DEBTSAREADDEDTOGETHERANDAREREFERREDTO

ASYOUR@ACCUMULATED(%,0DEBT

7.2 When do I start repaying my HELP debt?9OUWILLSTARTREPAYINGYOURACCUMULATED(%,0DEBTWHENYOURrepayment income

ISABOVETHEMINIMUM compulsory repayment threshold4HISTHRESHOLDIS

ADJUSTEDEACHINCOMEYEAR&ORTHEnINCOMEYEARTHETHRESHOLDIS

2EPAYMENTSAREFORYOURACCUMULATED(%,0DEBTNOTFOREACHINDIVIDUALLOANYOU

MAYHAVEUSED

%VENIFYOUARESTILLSTUDYINGIFYOURREPAYMENTINCOMEISOVERTHEMINIMUM

THRESHOLDYOUWILLSTARTREPAYINGYOUR(%,0DEBT

4HE!USTRALIAN4AXATION/FlCE!4/WORKSOUTYOURREPAYMENTINCOMEFROMTHE

AMOUNTSGIVENONYOURINCOMETAXRETURNFOR

s YOURTAXABLEINCOME

s REPORTABLEFRINGEBENElTSreported on your payment summary

s TOTALNETINVESTMENTLOSSWHICHINCLUDESNETRENTALLOSSES

s REPORTABLESUPERCONTRIBUTIONS

s EXEMPTFOREIGNEMPLOYMENTINCOMEAMOUNTS

&ORMOREINFORMATIONONTHISCONTACTTHE!4/see Contacts

9OUCANALSOMAKEVOLUNTARYREPAYMENTSOFYOURACCUMULATED(%,0DEBT

see sections 7.9-7.11).

7.3 How much will my repayments be?

4HEAMOUNTYOUREPAYEACHYEARISAPERCENTAGEOFYOURREPAYMENTINCOME

4HEPERCENTAGEINCREASESASYOURINCOMEINCREASES4HE!4/WILLCALCULATEYOURCOMPULSORYREPAYMENTFORTHEYEARANDINCLUDEITONYOURINCOMETAXNOTICE


36/56


4ABLESHOWSTHEREPAYMENTRATESFORTHElNANCIALYEAR

Table 2: 2011-12 repayment rates

Repayment income in the range:Repayment rate

(% of repayment income)

"ELOW .IL

n

n

n n

n

n

n

n

ANDABOVE

#OMPULSORYREPAYMENTSCONTINUEUNTILYOUHAVEREPAIDYOURWHOLEDEBT9OURCOMPULSORYREPAYMENTINCREASESASYOURREPAYMENTINCOMEINCREASES

4HEMOREYOUEARNTHEHIGHERYOURREPAYMENT9OURCOMPULSORYREPAYMENT

ISBASEDONYOURINCOMEALONENOTTHEINCOMEOFYOURPARENTSORSPOUSE

9OUMUSTSTARTREPAYINGYOURDEBTWHENYOURREPAYMENTINCOMEISABOVETHE

MINIMUMREPAYMENTTHRESHOLDEVENIFYOUARESTUDYING

Example

(EATHSTAXABLEINCOMEFORTHEINCOMEYEARIS)NHISINCOMETAX

RETURNHECLAIMSATOTALNETINVESTMENTLOSSOFANDHASATOTALREPORTABLE

FRINGEBENElTSAMOUNTOFAREPORTABLESUPERCONTRIBUTIONAMOUNTOF

ANDANEXEMPTFOREIGNEMPLOYMENTINCOMEAMOUNTOF

(EATHSREPAYMENTINCOMEIS

(EATHSCOMPULSORYREPAYMENTFORISX

)FTHECALCULATEDREPAYMENTAMOUNTISMORETHANTHEBALANCEOFYOURACCUMULATED

(%,0DEBTYOUONLYPAYTHEBALANCE


37/56


7.4 Is interest charged on my debt?9OUARENOTCHARGEDINTERESTONYOURDEBT(OWEVERYOURACCUMULATED(%,0DEBT

ISADJUSTEDINDEXEDON1 JuneEACHYEARTOREmECTCHANGESINTHE#ONSUMER0RICE

)NDEX#0))NDEXATIONMAINTAINSTHEREALVALUEOFTHEDEBTBYADJUSTINGITINLINE

WITHCHANGESINTHECOSTOFLIVINGASMEASUREDBYTHE#0)4HEINDEXATIONlGUREIS

CALCULATEDEACHYEARAFTERTHE-ARCH#0)ISRELEASED9OUCANlNDOUTCURRENTAND

PASTINDEXATIONRATESFROMTHE!4/WEBSITE

(%,0DEBTSARENOTINDEXEDUNTILTHEYAREMONTHSOLD

!NYDEBTYOUINCURBETWEEN*ANUARYAND*UNEWILLBEINDEXEDON

*UNEANDTHEINDEXEDAMOUNTWILLBECOMEPARTOFYOURACCUMULATED

(%,0DEBT

!NYDEBTYOUINCURREDBETWEEN*ULYAND$ECEMBERWILLBEINDEXED

ON*UNEANDWILLALSOBECOMEPARTOFYOURACCUMULATEDDEBT

7.5 Repayments from job, benefit or superannuation income)FYOUEARNINCOMEFROMAJOBBENElTORCOMPENSATIONPAYMENTSORSUPERANNUATION

YOUREMPLOYEROROTHERPAYERMAYWITHHOLDAMOUNTSFROMYOURPAYTOCOVERYOUR

COMPULSORY(%,0DEBTREPAYMENTS

9OUNEEDTOADVISEYOURPAYERIFYOUHAVEANACCUMULATED(%,0DEBTONATax file

number (TFN)declarationORWithholding declarationFORM)FYOUDOHAVEA(%,0

DEBTYOURPAYERHASTOWITHHOLDADDITIONALAMOUNTSFROMYOURPAYONCEYOUEARN

OVERTHEMINIMUMREPAYMENTTHRESHOLD

4HEADDITIONALAMOUNTSWITHHELDARETOCOVERANYCOMPULSORY(%,0REPAYMENT

YOUMAYHAVETOMAKEFORTHEYEAR4HEYARENOTCREDITEDTOYOUR(%,0ACCOUNT

BUTFORMPARTOFTHE@TOTALTAXWITHHELDSHOWNONYOURANNUALPAYG payment

summaryANDONYOURINCOMETAXNOTICEOFASSESSMENTAT@0!9'CREDITSANDOTHER

ENTITLEMENTS9OURCOMPULSORYREPAYMENTWILLNOTBECALCULATEDUNTILYOURINCOME

TAXRETURNFORTHATYEARISPROCESSED)FYOUHADTOOMUCHWITHHELDDURINGTHEYEAR

ANDYOUHAVENOOTHEROUTSTANDINGDEBTSTHE!4/WILLREFUNDTHEEXCESSTOYOU


38/56


Payments from more than one payer)FYOUEARNMORETHANTHEREPAYMENTTHRESHOLDFORAlNANCIALYEARFROMALLYOUR

JOBSACOMPULSORYREPAYMENTMAYBEINCLUDEDONYOURNEXTNOTICEOFASSESSMENT

9OUCANASKONEORMOREOFYOURPAYERSTOWITHHOLDADDITIONALAMOUNTSTOCOVER

ANYCOMPULSORYREPAYMENT4ODOTHISCOMPLETEAWithholding declaration

upwards variationFORMAVAILABLEFROMTHE!4/

Holiday or temporary jobs

)FYOUHAVEAHOLIDAYORTEMPORARYJOBANDYOUEARNOVERTHEWEEKLYMINIMUMREPAYMENTTHRESHOLDBUTYOURREPAYMENTINCOMEFORTHEWHOLEINCOMEYEARISNOT

ABOVETHEANNUALMINIMUMREPAYMENTTHRESHOLDYOUCANAPPLYTOTHE!4/TOGET

YOURPAYERTOSTOPWITHHOLDINGADDITIONALAMOUNTSFORYOUR(%,0DEBT9OUWILLNEED

TOSUBMITAPAYG withholding variation application 2012FORMAVAILABLEFROMTHE!4/

9OUCANLODGEYOURAPPLICATIONELECTRONICALLYATwww.ato.gov.au.

No compulsory repayment required because of low family income

)FYOURFAMILYINCOMEISLOWENOUGHTOENTITLEYOUTOAREDUCTIONOFTHE-EDICARE

LEVYORYOUDONOTHAVETOPAYTHE-EDICARELEVYYOUWILLNOTHAVETOMAKEACOMPULSORY(%,0REPAYMENTFORTHATYEAR9OUCANSUBMITAMedicare levy

variation declarationFORMAVAILABLEFROMTHE!4/TOYOURPAYERANDTHEYWILLSTOP

WITHHOLDINGADDITIONALAMOUNTSFORTHATYEAR

7.6 Repayments from business or investment income

)FYOUUSETHE0!9'INSTALMENTSSYSTEMTOMAKEPAYMENTSTOWARDSYOUREXPECTED

TAXLIABILITYONYOURBUSINESSANDINVESTMENTINCOMEFORTHECURRENTINCOMEYEAR

THE!4/WILLNOTIFYYOUOFANINSTALMENTAMOUNTTHATTAKESINTOACCOUNTANYACCUMULATED(%,0DEBT

7.7 What if I disagree with my compulsory repayment?

9OUSHOULDCHECKALLTHEDETAILSONYOURINCOMETAXNOTICEOFASSESSMENTAGAINST

THEDETAILSINYOURINCOMETAXRETURN)FYOUTHINKTHEREISAPROBLEMCONTACTTHE

!4/7HENYOUPHONEHAVEYOURNOTICEOFASSESSMENTANDIFPOSSIBLEACOPYOF

YOURINCOMETAXRETURNWITHYOU

)FAFTERSPEAKINGTOTHE!4/YOUSTILLBELIEVETHATTHEDETAILSONYOURNOTICEOFASSESSMENTAREWRONGYOUCANREQUESTANAMENDMENTORLODGEANOBJECTION

#ONTACTTHE!4/FORINFORMATIONONHOWTODOTHIS


39/56


7.8 What if I have difficulties making my compulsory repayment?)FYOUBELIEVETHATMAKINGYOURCOMPULSORYREPAYMENTWOULDCAUSEYOUSERIOUS

HARDSHIPORTHATTHEREAREOTHERSPECIALREASONSWHYYOUSHOULDNOTHAVETOMAKE

ACOMPULSORYREPAYMENTYOUMAYAPPLYTOTHE!4/TOHAVETHATAMOUNTORPART

OFITDEFERRED4ODOTHISYOUNEEDTOCOMPLETETHEFORMDeferring your compulsory

HELP, HECS or Financial Supplement repaymentAVAILABLEFROMTHE!4/WEBSITE

4HEFORMASKSFORADETAILEDSTATEMENTOFYOURHOUSEHOLDINCOMEANDEXPENDITURE

TOJUSTIFYYOURCLAIMOFSERIOUSHARDSHIP

4HEREARETIMELIMITSFORAPPLYINGTODEFERYOURCOMPULSORY(%,0REPAYMENTDEPENDINGONTHEINCOMEYEAR4HEREISATWOYEARTIMELIMITONAPPLYINGFORA

DEFERMENTOFYOURCOMPULSORY(%,0REPAYMENTSFROMTHEINCOMEYEAR

ANDONWARDS9OUCANAPPLYTODEFERYOURCOMPULSORY(%#3REPAYMENT

IERELATINGTOADEBTFROMnANDEARLIERATANYTIME

4HE!4/WILLWRITETOSAYWHETHERYOURAPPLICATIONISSUCCESSFUL)FYOUAREUNHAPPY

WITHTHEDECISIONYOUMAYAPPLYWITHIN28 daysAFTERTHEDAYYOURECEIVENOTICE

OFTHEDECISIONTOHAVEITREVIEWED

)FAFTERTHEREVIEWYOUSTILLBELIEVETHE!4/HASMADETHEWRONGDECISIONYOUMAYTHENAPPLYTOTHE!DMINISTRATIVE!PPEALS4RIBUNAL!!4FORAREVIEW9OUNEEDTO

LODGEYOURAPPLICATIONWITHTHE!!4WITHIN28 daysAFTERTHEDAYYOURECEIVETHE

LETTERADVISINGYOUOFTHEOUTCOMEOFTHEREVIEW

&ORMOREINFORMATIONONAPPLYINGTODEFERACOMPULSORYREPAYMENTINCLUDING

TIMELIMITSCONTACTTHE!4/

7.9 Can I make voluntary repayments?

9ES9OUCANMAKEAVOLUNTARYREPAYMENTTOTHE!4/ATANYTIMEANDFORANY

AMOUNT-AKINGAVOLUNTARYREPAYMENTREDUCESYOURDEBTIMMEDIATELY

6OLUNTARYREPAYMENTSAREINADDITIONTOCOMPULSORYREPAYMENTS4HEYARE

NOTREFUNDABLE

9OUMAYSTILLHAVETOMAKEACOMPULSORYREPAYMENTAFTERMAKINGA

VOLUNTARYREPAYMENT


40/56


7.10 Can I get a bonus for voluntary repayments?

Changes to the HELP bonus for voluntary repayments

4HE!USTRALIAN'OVERNMENTHASANNOUNCEDAREDUCTIONINTHE(%,0BONUSFORVOLUNTARYREPAYMENTSOFORMOREFROMTOFROM*ANUARYSUBJECTTOTHEPASSAGEOFLEGISLATION

2EFERTOwww.goingtouni.gov.auFORUPTODATEINFORMATIONONTHESTATUSOFTHISLEGISLATION

)FYOUMAKEAVOLUNTARYREPAYMENTOFORMOREYOUWILLRECEIVEABONUSOF4HISMEANSYOURACCOUNTWILLBECREDITEDWITHANADDITIONALOFYOURPAYMENT4HEBONUSISOFTHEPAYMENTTHATYOUMAKENOTOFTHEOUTSTANDINGDEBT9OUWILLNOTRECEIVEABONUSONREPAYMENTAMOUNTSTHATAREMORETHANTHEBALANCEOFYOURACCOUNT4OWORKOUTHOWMUCHYOUNEEDTOREPAY

TOPAYOFFYOURTOTALDEBTDIVIDEYOURTOTALDEBTBY

Example

*ENNYHASADEBTOFANDMAKESAVOLUNTARYREPAYMENT7ITHTHEBONUSTHEVALUEOFHERREPAYMENTISX

*ENNYSTOTALDEBTISREDUCEDTOn

*ENNYSBONUSAMOUNTIS

)FYOUHAVEANY(%,0DEBTSTHATHAVENOTBEENREPORTEDTOTHE!4/ATTHETIMEYOUMAKETHEVOLUNTARYREPAYMENTTHEBONUSWILLBEREVERSEDORADJUSTEDONCETHOSEDEBTSARETRANSFERREDTOYOURACCOUNT

4HEREISUSUALLYADELAYBETWEENTHECENSUSDATEFORAUNITOFSTUDYANDWHENTHE!4/RECEIVESANDRECORDSYOURDEBTFORTHATUNIT#ONTACTTHE!4/IFYOUWANTTOMAKEAVOLUNTARYREPAYMENTAGAINSTADEBTFORAUNITYOUHAVEONLYRECENTLYENROLLEDIN

9OUMAYBENElTFROMMAKINGAVOLUNTARYREPAYMENTBEFOREINDEXATIONISAPPLIEDON1 June)FYOUWANTTODOTHISALLOWENOUGHTIMEFORTHEPAYMENTTOBERECEIVEDANDPROCESSEDTOYOURACCOUNTBEFORE1 June.

)FYOUWANTTOPAYOFFYOURTOTALDEBTWITHAVOLUNTARYREPAYMENTYOUSHOULD

MAKETHEREPAYMENTBEFOREYOULODGEYOURINCOMETAXRETURN/THERWISEACOMPULSORYREPAYMENTMAYBEINCLUDEDINYOURINCOMETAXNOTICEOFASSESSMENT

ANDYOUMAYNOTRECEIVETHEBONUS


41/56


4HE(%,0BONUSFORVOLUNTARYREPAYMENTSISDIFFERENTTOTHE(%#3(%,0

DISCOUNTFORUPFRONTSTUDENTCONTRIBUTIONPAYMENTSOFORMORE

7.11 How do I make a voluntary repayment?

4HEREARESEVERALWAYSYOUCANMAKEAVOLUNTARYREPAYMENT9OUWILLNEEDYOUR

0AYMENT2EFERENCE.UMBER02.TOMAKEAVOLUNTARYREPAYMENT

What is my Payment Reference Number?9OUR02.ISYOURCUSTOMERREFERENCENUMBER)TISPRINTEDONTHEFRONTOFYOUR

PAYMENTSLIPORONYOURACCOUNTINFORMATIONSTATEMENT)FYOUPAYUSING"0!9

CREDITCARDORDIRECTCREDITYOUWILLNEEDTHISNUMBER

Electronic payments

9OUCANMAKEELECTRONICPAYMENTSTHROUGH"0!9ORDIRECTCREDIT4ODOTHISYOU

WILLNEEDTHE02.PRINTEDONTHEFRONTOFYOURPAYMENTSLIPORONYOURACCOUNT

INFORMATIONSTATEMENT

0AYMENTSMADEOUTOFHOURSORONAWEEKENDORPUBLICHOLIDAYWILLNOTREACHTHE

!4/UNTILTHENEXTWORKINGDAY)FYOUWANTTHEPAYMENTTOREACHTHE!4/BYA

SPECIlCDATEYOUSHOULDCHECKPROCESSINGTIMESWITHYOURBANK

"0!9

$ETAILSYOUWILLNEEDTOMAKEAPAYMENTTOTHE!4/USING"0!9THROUGH

TELEPHONEORINTERNETBANKING

"ILLERCODE 75556

2EFERENCE Your PRN

2EGISTEREDTO"0!9049,4$!".

#REDITCARD

#REDITCARDPAYMENTSCANBEMADEONLINEORBYPHONE4OMAKEACREDITCARD

PAYMENTTOTHE!4/YOUWILLNEED

s ACURRENT6ISA-ASTER#ARDOR!MERICAN%XPRESSCARDAND

s YOUR02.!CREDITCARDFEEAPPLIESTOTRANSACTIONSMADEUSINGTHECREDITCARDPAYMENTSERVICE


42/56


4OMAKECREDITCARDPAYMENTSONLINEORFORFURTHERINFORMATIONGOTOwww.ato.gov.au/howtopay.

4OMAKECREDITCARDPAYMENTSBYPHONECALL1300 898 089.

$IRECTCREDIT

$ETAILSYOUWILLNEEDTOMAKEAPAYMENTTOTHE!4/THROUGHANONLINEDIRECT

CREDITTRANSFERFROMYOURBANKACCOUNT

"ANK Reserve Bank of Australia

"3"NUMBER 093 003!CCOUNTNUMBER 316 385

!CCOUNTNAME ATO direct credit account

2EFERENCE Your PRN

)FYOUCANNOTlNDYOUR02.CONTACTTHE!4/

Mail

9OUCANMAILYOURCHEQUEORMONEYORDERTOTHE!4/#HEQUESANDMONEYORDERS

SHOULDBEIN!USTRALIANDOLLARSANDPAYABLETO@$EPUTY#OMMISSIONEROF4AXATION#[email protected]

$ONOTSENDCASHTHROUGHTHEMAILORUSEPINSSTAPLESPAPERCLIPSORADHESIVETAPE

9OUNEEDTOINCLUDEYOURPAYMENTSLIPSEEBELOWORANOTETHATSTATESYOUR

s FULLNAMEADDRESSANDTELEPHONENUMBER

s ACCOUNTIDENTIlERTAXlLENUMBER!USTRALIANBUSINESSNUMBERORCLIENT

IDENTIlCATIONNUMBERAND

s PAYMENTTYPE(%,0)FYOULIVEIN7!3!.44!3OR6)#USETHISADDRESS

!USTRALIAN4AXATION/FlCE

,OCKED"AG

!,"529.37

)FYOULIVEIN.37!#4OR1,$USETHISADDRESS


,OCKED"AG0%.2)4(.37


43/56


Australia Post)FYOUHAVEPREPRINTEDPAYMENTSLIPSWITHABARCODEYOUCANPAYINPERSONATANY

!USTRALIA0OSTOUTLET

!LIMITAPPLIESTOCASHPAYMENTS%&40/3PAYMENTSARESUBJECTTODAILY

WITHDRAWALLIMITS

#HEQUESANDMONEYORDERSSHOULDBEIN!USTRALIANDOLLARSANDPAYABLETO@$EPUTY

#OMMISSIONEROF4AXATION#[email protected]

NOTBEPOSTDATED

/RDERABOOKOFPAYMENTSLIPS

9OUCANORDERABOOKLETOFPAYMENTSLIPSBYPHONINGTHE!4/ON13 28 659OUWILL

NEEDTOGIVEYOURTAXlLENUMBER

Paying from overseas

"0!9

)FYOUHAVEAN!USTRALIANBANKACCOUNTYOUCANMAKEPAYMENTSUSING

"0!9THROUGHPHONEORINTERNETBANKING

$ETAILSYOUWILLNEED

"ILLERCODE 75556

2EFERENCE Your PRN

#REDITCARD

4OPAYBYCREDITCARDYOUREQUIREACURRENT6ISA-ASTER#ARDOR!MERICAN%XPRESSCARD

ANDYOUR02.0AYMENTSFROMOVERSEASCANONLYBEMADEUSINGTHEONLINESERVICE

$IRECTCREDITTHROUGH37)&4ORBYMAIL

&ORINFORMATIONABOUTTHESEPAYMENTOPTIONS

s VISITwww.ato.gov.au/howtopay

s PHONE+61 2 6216 1111ANDASKTOBECONNECTEDTOEXTENSION87811!4/

0AYMENT(ELPDESKAMnPM-ONDAYTO&RIDAYOR

s [email protected].


44/56


7.12 Are repayments tax deductible?6OLUNTARYREPAYMENTSMADEBYYOUORSOMEONEOTHERTHANYOURPAYERARENOT

TAXDEDUCTIBLE9OURPAYERMAYBEABLETOCLAIMATAXDEDUCTIONFORVOLUNTARY

REPAYMENTSITMAKESONYOURBEHALFBUTITMAYALSOBELIABLEFORFRINGEBENElTSTAX

ONTHEREPAYMENTS

7.13 What happens to my debt if I die?

9OURESTATEHASTOPAYANYOUTSTANDINGCOMPULSOR YREPAYMENTRELATINGTOTHE

PERIODBEFOREYOURDEATHBUTTHEREMAINDEROFYOURACCUMULATED(%,0DEBTIS

CANCELLED

7.14 What happens to my debt if I go bankrupt?

9OUSTILLHAVETOPAYYOURACCUMULATED(%,0DEBTASIFYOUHADNOTBEEN

DECLAREDBANKRUPT

7.15 How can I get information on my HELP account?9OUCANPHONETHE!4/ATANYTIMEOFTHEYEARTOGETYOURACCOUNTBALANCEOR

REQUESTASTATEMENT

9OURSTATEMENTISSENTTOYOURLATESTHOMEADDRESSSHOWNON!4/RECORDSORIFTHE

!4/DOESNTHAVEYOURHOMEADDRESSTOTHEPOSTALADDRESSONYOURLATESTINCOME

TAXRETURN

4OPROTECTTHEPRIVACYOFYOURINFORMATIONTHE!4/NEEDSTOVERIFYYOURIDENTITY

BEFOREITCANGIVEDETAILSOFYOURACCOUNTTOYOUOVERTHEPHONE4ODOTHISITMAYASKFOR

s YOURTAXlLENUMBER

s YOUR!USTRALIAN"USINESS.UMBEROR

s YOURNAME


45/56


)FYOUHAVEEVERLODGEDANINCOMETAXRETURNYOUNEEDTOGIVETHREEOFTHEFOLLOWINGIDENTIlERS)FYOUHAVENEVERLODGEDANINCOMETAXRETURNYOUNEEDTO

SUPPLYONLYTWOOFTHEFOLLOWINGIDENTIlERS

s YOURDATEOFBIRTH

s YOURADDRESSBUSINESSRESIDENTIALPOSTALOREMAILORTELEPHONENUMBER

s YOURCURRENTBANKDETAILS

s DETAILSFROMAN!4/LETTERORNOTICESENTTOYOUWITHINTHELASTlVEYEARSOR

s YOUR!4/ACCOUNTDETAILSnEGBALANCEAMOUNTOFANYREFUNDPAYMENTOR

INTERESTIMPOSEDAMOUNTANDFREQUENCYOFAPAYMENTARRANGEMENTOR0!9'

INSTALMENTAMOUNTORRATE


46/56


CONTACTS

Your approved provider

They can help you with:

s ENROLMENTS

s STUDENTCONTRIBUTIONAMOUNTSANDPAYMENTS

s CENSUSDATESANDADMINISTRATIVEDATES

s WITHDRAWALS

s APPLYINGFORA#OMMONWEALTHSUPPORTEDPLACEAND(%#3(%,0

s #OMMONWEALTHSCHOLARSHIPS

s GRIEVANCEPROCEDURESFORSTUDENTCOMPLAINTS

s THE#OMMONWEALTH(IGHER%DUCATION3TUDENT3UPPORT.UMBER#(%33.AND

s GETTINGYOUR(%#3(%,0DEBTREMOVEDUNDER@SPECIALCIRCUMSTANCES

Department of Education, Employment and WorkplaceRelations (DEEWR)


s #OMMONWEALTHSUPPORTEDPLACES

s (%#3(%,0ANDOTHERCOMPONENTSOFTHE(IGHER%DUCATION,OAN0ROGRAM

(%,0AND

s OTHERFORMSOF!USTRALIAN'OVERNMENTASSISTANCE

How to contact DEEWR:

s VISITwww.goingtouni.gov.au

s CALLTHESTUDENTENQUIRYLINEON1800 020 108OR+61 3 9938 2545FROM

OUTSIDE!USTRALIA

s CALLTHESTUDENTENQUIRYLINEON1800 554 609449FORHEARINGIMPAIREDAND

SPEECHIMPAIREDSTUDENTSOR

s LOGONTOmyUniAssistFORTHEBALANCEOFYOURENTITLEMENTSAT

www.goingtouni.gov.au.


47/56


Australian Taxation Office (ATO)

How to contact the ATO:

s VISITwww.ato.gov.au

s CALL1300 720 092TOGETTHEBOOKLETRepaying your HELP debt in 2011-12

s CALL13 28 61FOR(%,0ANDGENERALTAXINFORMATION

s CALLTHE(IGHER%DUCATION,OAN!CCOUNTS5NITON1300 650 225FORSPECIlC

QUERIESABOUTYOURACCOUNTOR

s CALL133 677449OR1300 555 727449FORHEARINGIMPAIREDANDSPEECHIMPAIREDSTUDENTS

)FYOUHAVEATAXlLENUMBERPLEASEHAVEITREADYBEFOREYOUCALLTHE!4/

!DDRESSWRITTENCORRESPONDENCENOTVOLUNTARYREPAYMENTSTO


0/"OX

!,"529.37

Centrelink

How to contact Centrelink:

s VISITwww.centrelink.gov.au

s CALL9OUTHAND3TUDENT3ERVICESON13 24 90FORINFORMATIONON9OUTH

!LLOWANCE!USTUDYAND0ENSIONER%DUCATION3UPPLEMENT

s CALL13 23 17FORINFORMATIONON!"345$9

s CALL1800 639 109FOR!"345$9449PAYMENTENQUIRIESs CALL1800 810 586FOROTHER449PAYMENTENQUIRIESOR

s CALL13 12 02FORINFORMATIONINLANGUAGESOTHERTHAN%NGLISH


48/56


Department of Immigration and Citizenship (DIAC)


s VISASAND

s !USTRALIANCITIZENSHIP

How to contact DIAC:

s VISITwww.immi.gov.auFORVISAINFORMATION

s VISITwww.citizenship.gov.auFORCITIZENSHIPINFORMATION

s CALL13 18 81FORVISAENQUIRIESOR

s CALL13 18 80FORCITIZENSHIPENQUIRIES


49/56


APPENDIX A: APPROVED PROVIDERS WITHCOMMONWEALTH SUPPORTED PLACES

Australian Capital Territory

4HE!USTRALIAN.ATIONAL5NIVERSITY

5NIVERSITYOF#ANBERRA

New South Wales

!VONDALE#OLLEGE#HARLES3TURT5NIVERSITY

-ACQUARIE5NIVERSITY

3OUTHERN#ROSS5NIVERSITY

4HE5NIVERSITYOF3YDNEY

5NIVERSITYOF.EWCASTLE

5NIVERSITYOF.EW%NGLAND

5NIVERSITYOF.EW3OUTH7ALES

5NIVERSITYOF4ECHNOLOGY3YDNEY

5NIVERSITYOF7ESTERN3YDNEY5NIVERSITYOF7OLLONGONG

Northern Territory

#HARLES$ARWIN5NIVERSITY

Queensland

#ENTRAL1UEENSLAND5NIVERSITY

#HRISTIAN(ERITAGE#OLLEGE

'RIFlTH5NIVERSITY*AMES#OOK5NIVERSITY

1UEENSLAND5NIVERSITYOF4ECHNOLOGY

4HE5NIVERSITYOF1UEENSLAND

5NIVERSITYOF3OUTHERN1UEENSLAND

5NIVERSITYOFTHE3UNSHINE#OAST

South Australia

4ABOR#OLLEGE!DELAIDE

4HE&LINDERS5NIVERSITYOF3OUTH!USTRALIA

4HE5NIVERSITYOF!DELAIDE

5NIVERSITYOF3OUTH!USTRALIA

Tasmania

5NIVERSITYOF4ASMANIA

Victoria

$EAKIN5NIVERSITY

(OLMESGLEN)NSTITUTEOF4!&%

,A4ROBE5NIVERSITY

-ONASH5NIVERSITY

.ORTHERN-ELBOURNE)NSTITUTEOF4!&%2-)45NIVERSITY

3WINBURNE5NIVERSITYOF4ECHNOLOGY

4ABOR#OLLEGE6ICTORIA

4HE5NIVERSITYOF-ELBOURNE

5NIVERSITYOF"ALLARAT

6ICTORIA5NIVERSITY

Western Australia

#URTIN5NIVERSITYOF4ECHNOLOGY%DITH#OWAN5NIVERSITY

-URDOCH5NIVERSITY

4HE5NIVERSITYOF7ESTERN!USTRALIA

Multi-state

!USTRALIAN#ATHOLIC5NIVERSITY

4HE5NIVERSITYOF.OTRE$AME!USTRALIA

4HISLISTWASCURRENTATTHETIMEOFPUBLICATION&ORANUPTODATELIST

VISITwww.goingtouni.gov.au


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APPENDIX B: EXCEPTIONS TO STUDENTCONTRIBUTION AMOUNTS

9OUMAYPAYADIFFERENTSTUDENTCONTRIBUTIONAMOUNTFROMTHATSHOWNINTable 1

IFYOUBEGANYOURCOURSEOFSTUDYIN

s ACCOUNTINGADMINISTRATIONECONOMICSORCOMMERCEBEFORE

s MATHEMATICSSTATISTICSORSCIENCEBEFOREOR

s EDUCATIONORNURSINGBEFORE

Accounting, administration, economics and commerce courses

begun pre-2008

!PPROVEDPROVIDERSPROVIDERSMAYNOWSETSTUDENTCONTRIBUTIONSFORACCOUNTING

ADMINISTRATIONECONOMICSANDCOMMERCEUNITSTOTHESAMEMAXIMUMAMOUNTAS

FORUNITSINLAWMEDICINEVETERINARYSCIENCEANDDENTISTRYnIEATTHE"ANDRATE

see Table 1

(OWEVERIFYOUAREA@PRESTUDENTYOURSTUDENTCONTRIBUTIONSFORTHESEUNITS

AREATTHELOWER"ANDRATEsee Table 1

9OUAREAPRESTUDENTIFYOUMEETALLOFTHEFOLLOWINGCRITERIA

s YOUBEGANACOURSEOFSTUDYBEFORE*ANUARYANDWEREA#OMMONWEALTH

SUPPORTEDSTUDENTFORAUNITINTHATCOURSE

s YOUDIDNOTCOMPLETETHECOURSEBEFORE$ECEMBERORYOUDID

COMPLETEITBUTITWASANENABLINGCOURSEORACOURSERELATEDTOANHONOURS

COURSEYOUARECURRENTLYUNDERTAKINGAND

s YOUARESTUDYINGANACCOUNTINGADMINISTRATIONECONOMICSORCOMMERCEUNIT

9OURPROVIDERCANCONlRMWHETHERYOUAREAPRESTUDENT

4HEARRANGEMENTSFORPRESTUDENTSAPPLYUNTILTHEENDOF

Mathematics, statistics and science courses begun pre-2009

4HEMAXIMUMSTUDENTCONTRIBUTIONSFORSTUDENTSSTARTINGMATHEMATICSSTATISTICS

ANDSCIENCEUNITSFROMONWARDSAREATTHE.ATIONAL0RIORITIES"ANDRATE

see Table 1

(OWEVERIFYOUBEGANYOURCOURSEBEFORE*ANUARYANDARENOTCOVEREDBYTHECOURSETRANSFERARRANGEMENTSDESCRIBEDBELOWYOURPROVIDERMAYCHARGEYOU

ATTHEHIGHER"ANDRATEsee Table 1FORTHESEUNITS


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9OURPROVIDERCANCONlRMWHETHERTHESTUDENTCONTRIBUTIONYOUNEEDTOPAYFORYOURMATHEMATICSSTATISTICSANDSCIENCEUNITSISATTHE.ATIONAL0RIORITIES"ANDRATE

ORTHE"ANDRATE

!(%#3(%,0"ENElTISAVAILABLEFORELIGIBLEMATHEMATICSSTATISTICSANDSCIENCE

GRADUATESsee Appendix C

Transfer arrangements

)FYOUBEGANACOURSEBEFORE*ANUARYTHATISNOTCLASSIlEDASANATURALANDPHYSICALSCIENCESCOURSEANDYOUTRANSFERTOANATURALANDPHYSICALSCIENCESCOURSE

OFSTUDYYOURSTUDENTCONTRIBUTIONAMOUNTMAYBEATTHE.ATIONAL0RIORITIES"AND

RATEsee Table 1-ATHEMATICSSTATISTICSANDSCIENCEARECLASSIlEDASNATURALAND

PHYSICALSCIENCESlELDOFEDUCATION

!NATURALANDPHYSICALSCIENCESCOURSEISONECLASSIlEDAS"ROAD&IELDINTHE

!USTRALIAN"UREAUOF3TATISTICSPUBLICATIONAustralian Standard Classification of

Education (ASCED) 2001&ORMOREINFORMATIONASKYOURPROVIDER

Education and nursing courses begun pre-20100ROVIDERSMAYNOWSETSTUDENTCONTRIBUTIONSFOREDUCATIONANDNURSINGUNITSTO

THESAMEMAXIMUMAMOUNTASFORUNITSINHUMANITIESBEHAVIOURALSCIENCESOCIAL

STUDIESFOREIGNLANGUAGESANDVISUALANDPERFORMINGARTSnIEATTHE"ANDRATE

see Table 1

(OWEVERIFYOUAREA@PRESTUDENTYOURSTUDENTCONTRIBUTIONSFORTHESEUNITS

AREATTHELOWER.ATIONAL0RIORITIES"ANDRATEsee Table 1

9OUAREAPRESTUDENTIFYOUMEETALLOFTHEFOLLOWINGCRITERIA

s YOUBEGANACOURSEOFSTUDYBEFORE*ANUARYANDWEREA#OMMONWEALTH

SUPPORTEDSTUDENTFORAUNITINTHATCOURSE

s YOUDIDNOTCOMPLETETHECOURSEBEFORE$ECEMBERORYOUDID

COMPLETEITBUTITWASANENABLINGCOURSEORACOURSERELATEDTOANHONOURS

COURSEYOUARECURRENTLYUNDERTAKINGAND

s YOUARESTUDYINGANEDUCATIONORNURSINGUNIT

9OURPROVIDERCANCONlRMWHETHERYOUAREAPRESTUDENT

!(%#3(%,0"ENElTISAVAILABLEFORELIGIBLEEDUCATIONNURSINGANDMIDWIFERY

GRADUATESsee Appendix C


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APPENDIX C: HECS-HELP BENEFIT

4HE(%#3(%,0"ENElTPROVIDESANINCENTIVEFORGRADUATESOFPARTICULARCOURSESOF

STUDYTOTAKEUPRELATEDOCCUPATIONSORWORKINSPECIlEDLOCATIONSBYREDUCINGTHEIR

COMPULSORY(%,0REPAYMENTS

9OUMAYBEELIGIBLEFORTHE(%#3(%,0"ENElTIFYOUs GRADUATEDFROMANUNDERGRADUATEMATHEMATICSSTATISTICSORSCIENCECOURSE

AFTER*UNEANDAREEMPLOYEDINARELATEDOCCUPATIONINCLUDINGASA

SECONDARYSCHOOLTEACHEROFTHESESUBJECTSORASAPRIMARYSCHOOLTEACHEROR

s GRADUATEDFROMANEDUCATIONNURSINGORMIDWIFERYCOURSEREQUIREDFORINITIAL

ENTRYTOATEACHINGORNURSINGPROFESSIONAFTER*UNEANDAREEMPLOYED

ASATEACHERORNURSEOR

s AREANEARLYCHILDHOODTEACHEREMPLOYEDATAPROVIDEROFPRESCHOOLEDUCATION

ORCHILDCARESERVICESINAREGIONALORREMOTEAREA)NDIGENOUSCOMMUNITYOR

AREAOFHIGHSOCIOECONOMICDISADVANTAGEASSPECIlEDINTHE HECS-HELP Benefit

GuidelinesAVAILABLEATwww.comlaw.gov.au

)FYOUAREELIGIBLEFORTHE(%#3(%,0"ENElTTHEAMOUNTOFYOURCOMPULSORY

REPAYMENTINAlNANCIALYEARWILLBEREDUCED

)FYOUDONTNEEDTOMAKEACOMPULSORYREPAYMENTANDAREANEARLYCHILDHOOD

TEACHERWHOISELIGIBLEFORTHE(%#3(%,0"ENElTONTHEBASISOFLOCATIONOF

EMPLOYMENTYOURACCUMULATED(%,0DEBTMAYBEREDUCED

9OUCANRECEIVETHE(%#3(%,0"ENElTFORUPTOALIFETIMEMAXIMUMOFWEEKS

OFELIGIBLEEMPLOYMENT

9OUARENOTELIGIBLEFORTHE"ENElTIFYOUPAIDALLYOURSTUDENTCONTRIBUTIONS

UPFRONTANDDIDNOTHAVEA(%#3(%,0DEBTWHENYOUCOMPLETEDYOURCOURSE

&ORMOREINFORMATIONABOUTELIGIBILITYANDHOWTOAPPLYFORTHE(%#3(%,0"ENElT

SEEwww.ato.gov.auANDwww.goingtouni.gov.au!DDITIONALINFORMATIONFOR

EARLYCHILDHOODTEACHERSISAVALIABLEATwww.deewr.gov.au.


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APPENDIX D: HOW MUCH DOES THEAUSTRALIAN GOVERNMENT CONTRIBUTE?

Funding clusterCommonwealth

contribution*

,AWACCOUNTINGADMINISTRATIONECONOMICSCOMMERCEsee note 1

(UMANITIES

-ATHEMATICSSTATISTICSBEHAVIOURALSCIENCESOCIALSTUDIES

COMPUTINGBUILTENVIRONMENTOTHERHEALTH see note 2

%DUCATION

#LINICALPSYCHOLOGYALLIEDHEALTHFOREIGNLANGUAGESVISUALAND

PERFORMINGARTS

.URSING

%NGINEERINGSCIENCESURVEYINGsee note 2

-EDICINEDENTISTRYVETERINARYSCIENCEAGRICULTURE

Notes:

Accounting, Administration, Economics and Commerce

4HE!USTRALIAN'OVERNMENTPROVIDESANADDITIONALPER%&43,FOR

PRESTUDENTSUNDERTAKINGACCOUNTINGADMINISTRATIONECONOMICS

ANDCOMMERCEUNITSOFSTUDY

Mathematics, Statistics and Science

4HE!USTRALIAN'OVERNMENTALSOPROVIDESANADDITIONALPER%&43,FOR

MATHEMATICSSTATISTICSANDSCIENCEUNITSFORSTUDENTSWHOARECOVEREDBYTHE

LOWERCONTRIBUTIONAMOUNTSINTRODUCEDIN


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Copyright

Commonwealth of Australia 2011ISSN 1449-9282

This work is copyright. Apart from any use as permitted under the Copyright Act 1968, no part may bereproduced by any process without prior written permission from the Commonwealth. Requests andinquiries concerning reproduction and rights should be addressed to the Commonwealth CopyrightAdministration, Attorney Generals Department, Robert Garran Offices, National Circuit, Barton ACT

2600 or posted at http://www.ag.gov.au/cca .

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Find out about help with uni costs?

Get access to your records?

Visit www.goingtouni.gov.au

Want assistance with your general education?For information on scholarships visit www.goingtouni.gov.au

Want to study overseas?OS-HELP is a loan scheme that assists eligible undergraduate students at an Australian highereducation provider to undertake some of their study overseas. Students may receive up to

$5,824 in 2012 per six-month study period for a maximum of two overseas study periods. Youcan use these loans to help you with a range of expenses such as airfares, accommodation and

other travel costs.

The repayment arrangements for OS-HELP are the same as those for other forms of HELP.

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