Are you keen to get a qualification but can't afford to pay for your study right now? A VET Student Loan may be able to help you study now and pay later!

Eligible new students can select to finance their study through the new VET Student Loans program if they are enrolling in an eligible course.

This new loans program replaces the VET FEE-HELP scheme which was only available for students who enrolled prior to January 2017. If you are a continuing student on VET FEE-HELP please see information below** on how this change affects you.

The new VET Student Loans Program

VET Student Loans is an Australian Government loan scheme for the Vocational Education and Training sector. VET Student Loans forms part of the Higher Education Loan Program (HELP).

Students enrolling into the approved courses (listed below*) may be eligible to apply for a VET Student Loan to pay for all or part of the cost of their tuition fees.  Courses are subject to maximum loan caps and students will be required to pay any fee over and above that cap. A student loan can cover training fees but cannot be used for additional study costs such as accommodation or text books.

Note: If you choose to access the loan, you will repay the amount, plus an additional government loan fee, through the tax system via compulsory and/or voluntary contributions. VET Student Loans are repayable when your annual income reaches a set threshold. The loan remains a personal debt obligation until it is repaid to the Commonwealth Government. It may reduce your take-home (net) wage or salary and affect your borrowing capacity until the debt is repaid. 

Courses Eligible for VET Student Loans

The following Diploma level courses are currently eligible for the government VET Student Loans program through Unity College Australia. Eligibility criteria apply (see below).

  • ICT50415 Diploma of Information Technology Networking
  • CUA50815 Diploma of Music Industry
  • BSB51915 Diploma of Leadership and Management
  • BSB50215 Diploma of Business
 Who is eligible?
  • To be eligible for a VET Student Loan you must:
  • be an Australian citizen or permanent humanitarian visa holder ( resident in Australia for the duration of your study) or a qualifying New Zealand citizen (see www.studyassist.gov.au)
  • be enrolled on or before the census date in an eligible unit of study or course through an approved VET loans provider and remain enrolled in the unit or course until and including the census date
  • meet the tax file number (TFN) requirements (if you don’t have a TFN you can give evidence of a Certificate of Application for a TFN to your provider)
  • have completed and submitted a valid request for VET Student Loan assistance (an eCAF form) for the unit or the course of which the unit forms a part, on or before the census date 
  • have not exceeded your VET Student Loans credit limit
  • meet Language, Literacy and Numeracy (LLN) entry requirements: provide evidence of your Australian Senior Secondary School (Year 12) Certificate, completion of a course at AQF Level IV or above (studied in English) or complete an LLN test at Australian Core Skills Framework (ASCF) exit level 3 or above 
  • read the VET Student Loans booklet available at  www.studyassist.gov.au

How to apply for a VET Student Loan:

  1. Read the above eligibility criteria
  2. Check you are applying for a course which is eligible for a VET Student Loan
  3. Check the 2017 Schedule of Fees (New students) for the course and location where you wish to study 
  4. Read the full VET Student Loan Student Entry Procedure


 **Information for students currently studying on VET FEE-HELP**

The Australian Government introduced a new student loans scheme on 1 January 2017. Students currently financing their course through VET FEE-HELP can choose to continue this arrangement. 

To continue your VET FEE-HELP loan into 2017 you must “OPT-IN” according to instructions you will receive from the Department of Education and Training. Your opt-in should be done preferably before you return to study, and by 31 March 2017 at the latest. The Department of Education will be contacting students about this. 

More information is available from Unity College Australia and at www.education.gov.au/vet-student-loans/vfh-opt-in. if you have not received an email or letter about this by March 10 please contact Unity College Australia on 02-61610050.

The following courses are still eligible for VET FEE-HELP for students continuing from 2016 and studying until 31 December 2017: 

  • BSB51915 Diploma of Leadership and Management
  • BSB50215 Diploma of Business
  • CUS50109 Diploma of Music
  • 10434NAT Diploma of Christian Ministry and Theology
  • 10435NAT Advanced Diploma of Christian Ministry and Theology
  • 10010NAT Advanced Diploma of Performance
  • ICT50415 Diploma of Information Technology Networking
  • CUA50213 Diploma of Musical Theatre

Students continuing to study into 2018 may still be eligible to have their course fee covered by VFH in certain circumstances. Students must apply to the government to be considered for this.

Schedule of Tuition Fees

Units of study, census dates and tuition fees for all VET FEE-HELP and VET Student Loans eligible courses offered through Unity College Australia are in the

VET FEE-HELP Schedule of Tuition Fees 2017 (Continuing Students)

VET Student Loans Schedule of Tuition Fees 2017 (New Students)

Do you have a question, issue or complaint about your VET loan? 

In the first instance you should contact the Unity College Australia office on 02-61610050. If your issue cannot be resolved to your satisfaction you can then contact the new VET Student Loans Ombudsman who will handle all VET Student debt complaints from 1 July 2017.  For more information read our Grievances Policy (see below) or visit the Commonwealth Ombudsman website or the debt complaints page.

Policies and Procedures

Access and Equity Policy and Procedure

Confidentiality of Personal Information Policy and Procedure

Grievance Policy and Procedure

Refund Policy and Procedure

Statement of VET Tuition Assurance

Student Review (FEE-HELP) Policy and Procedure

VET FEE-HELP and VET Student Loans Withdrawal Procedure

VET Student Loans Entry Procedure

For other policies please see the Student Handbook


Unity News

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    Unity College Australia is an approved VET FEE-HELP and VET Student Loans provider. Find out more about how you can study now and pay later!

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