2012 - Info for CSS Booklet
Transcript of 2012 - Info for CSS Booklet
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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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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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Information for Commonwealth supported students 2012 4
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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Information for Commonwealth supported students 2012 6
/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
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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
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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?
Changes to the HECS-HELP discount
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
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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
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4.7 What are my student contribution payment options underHECS-HELP?
Changes to the HECS-HELP discount
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
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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
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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
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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
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)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
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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
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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
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Can I appeal the decision?)FYOUAREUNHAPPYWITHYOURPROVIDERSDECISIONYOUMUSTAPPLYTOTHEMIN
WRITINGWITHIN28 daysORTHEPERIODALLOWEDBYYOURPROVIDERFORAREVIEWOF
THEIRDECISION
)FYOUAREUNHAPPYWITHTHEREVIEWEDDECISIONYOUHAVE28 daysTOAPPLYTO
THE!DMINISTRATIVE!PPEALS4RIBUNAL!!4FORANINDEPENDENTREVIEW&ORMORE
INFORMATIONVISITwww.aat.gov.au
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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
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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
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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
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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
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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
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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
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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
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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
!USTRALIAN4AXATION/FlCE
,OCKED"AG0%.2)4(.37
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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
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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
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)FYOUHAVEEVERLODGEDANINCOMETAXRETURNYOUNEEDTOGIVETHREEOFTHEFOLLOWINGIDENTIlERS)FYOUHAVENEVERLODGEDANINCOMETAXRETURNYOUNEEDTO
SUPPLYONLYTWOOFTHEFOLLOWINGIDENTIlERS
s YOURDATEOFBIRTH
s YOURADDRESSBUSINESSRESIDENTIALPOSTALOREMAILORTELEPHONENUMBER
s YOURCURRENTBANKDETAILS
s DETAILSFROMAN!4/LETTERORNOTICESENTTOYOUWITHINTHELASTlVEYEARSOR
s YOUR!4/ACCOUNTDETAILSnEGBALANCEAMOUNTOFANYREFUNDPAYMENTOR
INTERESTIMPOSEDAMOUNTANDFREQUENCYOFAPAYMENTARRANGEMENTOR0!9'
INSTALMENTAMOUNTORRATE
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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)
They can help you with:
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.
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Information for Commonwealth supported students 2012 38
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
!USTRALIAN4AXATION/FlCE
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$9449PAYMENTENQUIRIESs CALL1800 810 586FOROTHER449PAYMENTENQUIRIESOR
s CALL13 12 02FORINFORMATIONINLANGUAGESOTHERTHAN%NGLISH
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Department of Immigration and Citizenship (DIAC)
They can help you with:
s VISASAND
s !USTRALIANCITIZENSHIP
How to contact DIAC:
s VISITwww.immi.gov.auFORVISAINFORMATION
s VISITwww.citizenship.gov.auFORCITIZENSHIPINFORMATION
s CALL13 18 81FORVISAENQUIRIESOR
s CALL13 18 80FORCITIZENSHIPENQUIRIES
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APPENDIX A: APPROVED PROVIDERS WITHCOMMONWEALTH SUPPORTED PLACES
Australian Capital Territory
4HE!USTRALIAN.ATIONAL5NIVERSITY
5NIVERSITYOF#ANBERRA
New South Wales
!VONDALE#OLLEGE#HARLES3TURT5NIVERSITY
-ACQUARIE5NIVERSITY
3OUTHERN#ROSS5NIVERSITY
4HE5NIVERSITYOF3YDNEY
5NIVERSITYOF.EWCASTLE
5NIVERSITYOF.EW%NGLAND
5NIVERSITYOF.EW3OUTH7ALES
5NIVERSITYOF4ECHNOLOGY3YDNEY
5NIVERSITYOF7ESTERN3YDNEY5NIVERSITYOF7OLLONGONG
Northern Territory
#HARLES$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 .
Want toGo to uni?
Find out about scholarships?
Find out about loans to study overseas?Get to know what your entitlements are?
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.
For more information about OS-HELP, including whether you are eligible, contact the student
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Visit www.goingtouni.gov.au
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