VET FEE-HELP is an Australian Government loan scheme for the Vocational Education and Training (VET) sector that is part of the Higher Education Loan Program (HELP). It assists eligible students undertaking diploma courses with an approved VET provider, to pay for all or part of their tuition costs.

Sage is an approved VET FEE-HELP provider. As such eligible students studying Diploma level qualifications or higher may access VET FEE-HELP to pay all or part of their tuition fees.

A student may be eligible for a VET FEE-HELP loan if they:

  • Are an Australian citizen; or
  • are a New Zealand Special Category Visa holder who meets the HELP residency requirements; or
  • A permanent humanitarian visa holder who will be resident in Australia for the duration of their units of study; and
  • Have not exceeded the FEE-HELP limit; and
  • Meet academic suitability requirements (refer to Sage’s VET FEE-HELP Student Entry Procedure); and
  • Meet course requirements as follows:
    • Are a full fee-paying / fee-for-service student studying a diploma, advanced diploma, graduate certificate or graduate diploma level course at an approved VET FEE-HELP provider; or
    • Are a student subsidised by a State or Territory government (other than the Australian Capital Territory) studying a diploma or advanced diploma course; or
    • Are a student subsidised by the Victorian, South Australian, Queensland, Western Australian and New South Wales Government studying in a specified certificate IV course (nominated courses vary by state) as part of the Certificate IV Trial that concludes in December 2016; and
    • Are enrolled with an approved VET FEE-HELP provider in an eligible unit of study by the census date for that unit.

In 2016, eligible students can borrow up to $99,389 for most courses. The VET FEE-HELP limit is indexed on 1 January each year (as measured by the CPI index). There is a 20% loan fee which is applied by the Federal Government to VET FEE-HELP loans for students. The loan fee does not count towards your FEE-HELP limit. Students repay the loan to the Australian Government through the tax system once a student reaches the minimum income threshold level for repayment, which for 2015–2016 is $54,126.

Census Dates are dates set by Sage that are the deadlines for various requirements, including making upfront payments of tuition fees, applying for a VET FEE-HELP loan, and formally withdrawing from any units without incurring a debt. Census dates are included in the Schedule of Tuition Fees. Census dates are important because they are the deadline for:

  • Finalising units and course enrolment details;
  • Completing and submitting a Request for Commonwealth Assistance Form for VET FEE-HELP;
  • Providing a Tax File Number where a VET FEE-HELP loan is requested (if not already provided); and
  • Providing proof of citizenship if requested.

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