VET Student Loans

VET Student Loans is a Government scheme that assists eligible students to enrol in approved higher level vocational education and training (VET) courses to pay their tuition fees. The debt must be paid back at the relevant repayment rate when your income is above to compulsory repayment threshold.

Eligible students will be entitled to access loans up to a capped amount of $10,150. Course providers may charge above this cap for a course, and if so, students will be expected to pay for the difference according to the provider’s billing period.

You must meet the eligibility criteria (below) to be eligible for VET Student Loans:

  • an Australian citizen, or
  • a qualifying New Zealand citizen*, or
  • a permanent humanitarian visa holder, who is usually resident in Australia.

Students will also need to be assessed academically to undertake an approved course by being deemed academically suited on the basis of either:

  • providing your Australian Year 12 Certificate; or
  • providing evidence of successful completion of a Certificate IV or higher qualification; or
  • displaying competence at Exit Level 3 in the approved Language, Literacy and Numeracy test.

In order for a student to continue to access VET Student Loans, students will need to confirm your active and legitimate enrolment in a course by logging into the Department of Education and Training’s electronic Commonwealth Assistance Form (eCAF). Failure to do so may affect your ability to continue accessing VET Student Loans.

Wondering how to apply for VET Student Loans?

Step one – Ask us if the course you’re interested in studying is an approved course for VET Student Loans
Step two – Enrol with us!
Step three – Give our Enrolment team the required eligibility information evidence
Step four – Complete the required information in the electronic Commonwealth Assistance Form (eCAF)

IMPORTANT: You must submit your eCAF application to the Commonwealth before your first census day.


*A qualifying New Zealand citizen is a New Zealand citizen who meets all of the following:

  • holds a special visa category, such as the New Zealand Special Category Visa (SCV);
  • has been usually resident in Australia for at least 10 years;
  • was a dependent child when he or she was first usually resident in Australia;
  • has been in Australia for periods totalling 8 years during the previous 10 years and;
  • has been in Australia for period totalling 18 months during the previous 2 years.


For more information about the proposed VET Student Loans, click here

Click here to download a copy of the VET Tuition Assurance.