Study now and pay later at Chisholm

The Commonwealth Government has replaced the VET FEE-HELP student loan scheme with VET Student Loans, an income contingent loan scheme that assists eligible students to pay for all or part of their VET tuition fees when studying a VET Student Loans eligible course at Chisholm.

Diploma, Advanced Diploma, some Graduate Certificate and some Graduate Diploma courses that are linked to industry needs and employment outcomes are eligible for VET Student Loans.

For a full list of Chisholm's VET Student Loans-eligible courses, download the 2022 Tuition Fee Schedule - VET Student Loans - Eligible Courses and Loan Cap. Chisholm is approved to offer a selection of VET Student Loan-eligible courses that are on the Department of Education, Skills and Employment's list. Each VET Student Loan-eligible course has an associated loan cap amount. Eligible students are only entitled to loans up to the specified loan cap amount of each VET Student Loan-eligible course providing the student has not reached their maximum HELP loan limit.

You can also see if your preferred course is eligible for a VET Student Loan by viewing the 'Help with Fees' information on the respective course page.

Students pay back their HELP debt through the tax system once you earn above the compulsory repayment threshold. The compulsory repayment threshold is different each year. You can make a voluntary repayment to the Australian Taxation Office (ATO) at any time.

For more information about VET Student Loans, visit

Alternatively, you can view the Department of Education, Skills and Employment's YouTube video for an overview of the VET Student Loan program and your obligations.

To be eligible for a VET Student Loan you must:

  • Be an Australian Citizen or
  • A New Zealand Citizen with a Special Category Visa (SCV) or
  • A Permanent Humanitarian Visa holder who will be residing in Australia for the duration of the course
  • Be studying a VET Student Loans eligible course
  • Meet student entry procedure requirements
  • Meet Tax File Number requirements
  • Present Unique Student Identifier (USI) number
  • Have not exceeded your HELP loan limit
  • Have not exceeded the VET Student Loans course cap
  • Submit a request for a VET Student Loan via the Government's eCAF System (including all required information) on or before the first census date and no less than two (2) business days after enrolling
  • Confirm engagement and progression to continue to access the loan throughout the course

If you are a New Zealand Citizen who holds a Special Category Visa (SCV) you must also meet the below criteria:

  • First entered Australia at least 10 years ago as a dependent child aged under 18 years
  • Have been ordinarily a resident in Australia for the previous 10 years (that is, have been physically present in Australia for at least eight to of the past 10 years) and 18 months out of the last two years at the time of application for the loan, and
  • Are otherwise eligible for the loan.

New Zealand Special Category Visa (SCV) VET Student Loans applicants will need to provide an International Movement Record from the Department of Immigration to prove that they meet citizenship requirements as well as the above criteria. 

Proof of Australian Citizenship:

Acceptable forms of evidence include:

  • Current Australian Passport
  • Australian Citizenship Certificate or Naturalisation Certificate
  • Australian Citizenship by Descent extract
  • Australian Birth Certificate where you were born before 20 August, 1986 OR
  • If you were born on or after 20 August 1986 we would require your Australian Birth Certificate plus proof of your parent’s Australian Citizenship at the time of your birth. To find out what proof you, visit our VET Student Loan – Citizenship Confirmation page.

If you are unsure as to what citizenship evidence you may need to provide, please contact us on 1300 244 746.

Please note: Australian permanent residents are not eligible to access VET Student Loans.

Student entry procedure

One of the eligibility requirements for access to tuition fee assistance under the Commonwealth Government's VET Student Loan scheme is an assessment of your suitability to undertake your chosen course of study.

If you wish to apply for a VET Student Loan, you must either:

  • provide a copy of a Senior Secondary Certificate of Education awarded to you by an agency or authority of a State or Territory for your completion of your Australian Year 12 (VCAL Intermediate or Senior certificate meets requirements); OR
  • an Australian Qualifications Framework (AQF) Certificate IV or higher qualification, or an overseas qualification that has been formally recognised by a Federal, State or Territory government agency which assesses overseas qualifications (or an organisation contracted to undertake such assessments such as  VETASSESS) as equivalent to an AQF level Certificate IV or higher qualification; OR
  • undertake a reading and numeracy assessment that demonstrates your competence at or above Exit Level 3 in the Australian Core Skills Framework. Access to the assessment tool will be provided by Chisholm as part of our information and enrolment process; OR
  • provide an International Baccalaureate Diploma Programme (IB) Diploma.

Please note: This assessment is a requirement for the Commonwealth Government to approve your VET Student Loan application.
Chisholm is required to retain the results of your reading and numeracy assessment for at least five years.

Added protections for students as part of the VET Student Loans scheme

The VET Student Loans scheme is being implemented to provide sustainable and affordable opportunities for students to undertake higher level VET Courses. The program aligns to industry needs and employment outcomes, to provide students with the skill required by employers and industry. The program is also designed to provide greater protection to vulnerable students, taxpayers and the reputation of Australia’s high quality VET system.

One of these protections is the two-day (business days) cooling-off period. You can only apply for a VET Student Loan two business days after you have enrolled in your studies. This new rule allows you time to think about the full impacts of taking on a student loan. During the two days you may consider other course options or work out how the debt will affect your circumstances. This is a mandatory requirement of all TAFE, dual sector Universities and private training providers.

Even if you are certain that you want to use a VET Student Loan, Chisholm can only accept a VET Student Loans application at least two business days after you enrolled.

If you decide that you do not wish to utilise VET Student Loans for your enrolment, you can return to Chisholm before the two-day waiting period to arrange an alternate payment method. It is important to finalise your payment option within 14 days of your enrolment.
The Study Assist website contains important information for students intending to access the VET Student Loans scheme. 

Also available:

Please note: Tuition fees will be rounded to the nearest dollar under most payment options.