Personalised for LOCAL students.
Local student means; you are an Australian citizen or permanent resident, a New Zealand citizen or a permanent humanitarian visa holder.
Personalised for INTERNATIONAL students.
International student means; you are not an Australian citizen or permanent resident, a New Zealand citizen or a permanent humanitarian visa holder.

VET Student Loans and VET-FEE Help

Eligibility for a VET Student Loan

You could be eligible to access a VET Student Loan to pay your VET tuition fees for a number of Melbourne Polytechnic Diplomas and Advanced Diplomas.

To be an eligible student for the purposes of accessing VET Student Loans, you must meet ALL of these criteria:

  • You are:
    • an Australian citizen, or
    • a qualifying New Zealand citizen (see information about NZ citizen), or
    • a permanent humanitarian visa holder, who is usually resident in Australia.
  • Your FEE-HELP balance is sufficient to cover the amount you wish to access.
  • You are enrolled in an approved course and have enrolled in accordance with the application requirements.
  • You have been assessed as academically suited to undertake the approved course on the basis of either:
    • providing your Australian Year 12 Certificate; OR
    • Providing your International Baccalaureate Diploma Programme
    • providing evidence of successful completion of an Australian Qualifications Framework Certificate IV or higher qualification (where the language of instruction is English); OR
    • displaying competence at Exit Level 3 in the Australian Core Skills Framework in both reading and numeracy through an approved Language, Literacy and Numeracy test
  • You meet the Tax File Number (TFN) requirements (if your information is not assessed as correct by the ATO, your application will not be finalised and you will be ineligible for a VET student loan).
  • You have a Unique Student Identifier (USI)
  • You have provided evidence of citizenship to Melbourne Polytechnic and
  • You have submitted the loan application form (eCAF) by the first census day no less than two business days after enrolling.

Eligible courses

If you wish to access a VET Student Loan to study you will need to select one of these eligible courses. A list of VET Student Loan eligible courses is available under ‘Related Downloads’ below.

Loan caps

  • The Commonwealth Government has introduced loan caps for each VET Student Loan eligible course.
  • Eligible students will be entitled for loans up to the capped amount for their individual course enrolment.
  • Melbourne Polytechnic course fees may exceed the capped VET Student Loan amount. In this instance, you will be required to pay the difference at enrolment using the available payment options.

How to withdraw from your course or individual units of study

To avoid incurring a VET Student Loan debt it is important to withdraw before the census date. The census date is set at 20% of the confirmed unit of study commencement date and is listed on the Schedule of VET Tuition Fees. It is important that you check the census date for each unit of study. If you commence a unit of study on a date other than what is listed on the Schedule of VET Tuition Fees, the census date will be automatically set at 20% of the unit from your first attendance date.

Should you wish to withdraw from the course or part of the course you will need to officially request to be withdrawn by sending an email to advising your intention to be withdrawn from either the entire course or part of the course. If you are withdrawing from part of the course only you will need to list the applicable units of study.

In order to avoid a VET Student Loan debt, the email must be received prior to the census date.

Re-enrolling after course withdrawal

Students who have previously withdrawn from an approved course or part of an approved course, will be required to authorise their re-enrolment in writing. This authority will be granted via the Addition to Enrolment form at the time of re-enrolment.

Re-crediting VET Student Loan balances

A student’s VET Student Loan balance can be re-credited:

  • Under Part 6 of the VET Student Loan Act (2016) (VSL)
  • Under Section 68 of the VSL because of Special Circumstances
  • By applying to the Secretary under Section 71 of the VSL because Melbourne Polytechnic or person acting on behalf of Melbourne Polytechnic is engaged in unacceptable conduct in relation to the student’s application for VET Student Loan or Melbourne Polytechnic has failed to comply with the VSL or an instrument under the Act and that failure adversely affects students. Applications under Section 71 must be made within five years after the census day for the course or the part of the course concerned or within that period as extended by the Secretary.

There will be no charge for reconsideration or review of decision other than review by the Administrative Appeals Tribunal.

Intention to cancel student enrolment after census date

In the instance where Melbourne Polytechnic intends to cancel a student’s enrolment after the census date, students will be advised in writing by the teaching department and given 28 days to lodge an appeal under Melbourne Polytechnic’s Student Complaints and Appeals Procedure.

The enrolment cancellation will not take effect until the appeals process under the Student Complaints and Appeals Procedure has been exhausted. In the event a student’s appeal is unsuccessful the student will not be entitled to a refund or cancellation of their VET Student Loan debt.

VET Student Loan – Student Progression Compliance Requirements

Effective from 1 July 2017, to continue to access a VET student loan, you must demonstrate to the Department of Education and Training that you are a genuine student, continuing with your studies. This student engagement and progression requirement process is part of the increased protections for students accessing the VET Student Loans program.

To demonstrate engagement and to continue to receive the loan, you must complete the ‘VET Student Loans—Confirming enrolment and continued course engagement and participation form’ (the Progression Form) in the eCAF system at least twice each calendar year for the duration of your course. The form asks if you intend to continue studying and accessing a VET student loan, and contains a short survey.

An invitation email with login details to the eCAF system will be sent to you requesting that you indicate your study intent and complete a short survey. If you do not complete the form and survey within the required time, you may be ineligible to continue accessing VET Student Loans to pay for the remainder of your course tuition fees.

Applying for re-credit of VET Student Loan debt under Section 68 of the VET Student Loan Act (2016) – Special Circumstances

You may only apply for re-credit of a VET Student Loan debt if you withdraw from your unit of study after the census date or you have not completed the unit of study requirements. You cannot apply for a re-credit for a unit of study that you have successfully completed. Applications must be submitted within 12 months of the withdrawal date specified on your Withdrawal Form.

An application for re-credit of a VET Student Loan is considered on the basis of special circumstances that:

  • Were beyond your control; and
  • Did not make their full impact on you until on, or after, the census date; and
  • Made it impracticable for you to complete your unit(s) or study requirements.

Loan fee

A 20 percent loan fee will apply to all students who are not eligible for a government funded place under the Skills First Program. This fee will be added to the total VET Student Loan debt. For further information, contact the department directly or for general information on VET Student Loan visit the Study Assist website and download the VET Student Loan Information Booklet.

Important Note: All VET Student Loan amounts incurred on census days between 1 April 2020 to 30 June
2021 will not incur the usual 20 per cent loan fee. Students will not need to do anything for the exemption to be applied. VET Student Loan debt records with
the Australian Taxation Office will automatically reflect the loan fee exemption from early June 2020.



  • Repaying the loan is required when your income reaches the repayment threshold. The threshold can be found at Study Assist.
  • The maximum loan amount you can borrow from the Australian Government is $108,232 in 2021. This is the total amount available under all of VET FEE-HELP, VET Student Loans and FEE-HELP

Where can I find out more?

  • For more information on the new measures and transition arrangements visit
  • If you have questions you may contact the HELP Student Enquiry line on 1800 020 108 or email