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Further education and training can be expensive.

Study costs include course fees, and textbooks and other course materials. And if you’re moving out of home, you may also have accommodation and travel costs to consider.

The good news is that there is financial assistance available.

Australian Government loans

The Australian Government administers the Higher Education Loan Program (HELP) which consists of five loans schemes to assist students with the cost of their fees.

These include:

  • HECS-HELP
  • FEE-HELP
  • OS-HELP
  • SA-HELP
  • VET FEE-HELP

The right loan for you will depend on your circumstances, eligibility and where you want to study. For example, if you are studying at university or at an approved private higher education provider you will be offered either a Commonwealth supported place or a fee-paying place. If you are studying at an approved VET provider you will be enrolled as either a state-subsidised student or fee-paying student. For more information, visit the Study Assist website.

Australian Government financial support

The Australian Government provides financial support to assist students with the costs of further education and training.

  • ABSTUDY provides financial help to Aboriginal and Torres Strait Islander Australians who are studying or undertaking an Australian apprenticeship.
  • Austudy provides financial help to full-time students and Australian apprentices who are 25 years or older.
  • Youth Allowance provides financial help for people 16 to 24 years of age who are studying full time, undertaking a full-time Australian apprenticeship, training, looking for work or sick.
  • The Education Entry Payment assists students or trainees who get specific income support payments with the cost of study.
  • Relocation Scholarships help certain students in higher education who are required to live away from their family home while studying.
  • Student Start-up Scholarships help eligible higher education students with the upfront cost of study.

There are also payments available to assist with travel and living expenses.

  • The Fares Allowance assists with a trip between your university and home, if you are a student and you have to live away from home to study.
  • Rent Assistance gives extra financial help to people who pay rent and receive an income support payment.
  • Low Income Health Care Cards give low-income earners access to cheaper prescription medicines and various concessions from government and private organisations.

You can search for payments that may best suit your circumstances using the Payment finder on the Department of Human Services website. You may also find the online estimator useful. It lets you estimate or compare payments on your current or proposed circumstances.

Queensland Government financial support

The Queensland Government provides financial support to eligible students.

Scholarships

Most universities, TAFE Queensland, and some private businesses, government organisations, professional associations and industry groups offer scholarships to help students pay for study costs.

A scholarship can help with your course fees, text books, accommodation costs and living expenses.

Scholarships are not just for high academic achievers. Scholarship categories include:

  • scholarships for women
  • scholarships for Aboriginal students and Torres Strait Islander students
  • scholarships for specific fields of study
  • scholarships for students experiencing financial hardship or relocating for study
  • sporting scholarships.

You can search for scholarships on the myfuture website or contact tertiary providers directly.

More information

  • Australian Apprenticeships provides information and resources about Australian apprenticeships and the financial support available.
  • Good Universities Guide helps you find courses, compare university ratings, explore careers, and search for scholarships at Australian universities, TAFEs and training colleges.
  • The Department of Human Services website provides information about payments and services for students and trainees.
  • myfuture lets you search for awards and scholarships offered at tertiary institutions in Australia by region, organisation or subject.
  • Study assist provides information to current and prospective students about Australian Government assistance for tertiary study including information about subsidised fees and government loans.

Last updated: 06-Jun-2017