Study Now Pay Later

Have you always had a wish to study further but were not able to afford the fees?

VET FEE-HELP is a student loan scheme for the Vocational Education and Training (VET) sector that is part of the Higher Education Loan Program (HELP).

VET FEE-HELP assists eligible students undertaking certain VET courses of study (diploma, advanced diploma, graduate certificate and graduate diploma courses) with an approved VET provider, to pay for all or part of their tuition costs. A VET provider is a registered training organisation who has been approved by the Australian Government to offer VET FEE-HELP assistance to their students.

Click here to access the 2016 VET FEE-HELP Booklet

The VET FEE-HELP information booklet is designed to assist student to understand VET FEE-HELP and their rights and responsibilities when access VET FEE-HELP assistance.

Am I entitled to VET FEE-HELP?

  • If you are an Australian citizen;
  • A permanent humanitarian visa holder who will be resident in Australia for the duration of the unit of study in which they are seeking VET FEE-HELP assistance
  • Is a full fee-paying student, or an eligible subsidised student in a Reform State or Territory, enrolled on or before the census date in an eligible unit of study through an approved VET provider and remains enrolled in the unit at the end of the census date;
  • Meets the tax file number requirements;
  • Has not exceeded the FEE-HELP limit;
  • Has completed, signed and submitted a valid Request for VET FEE-HELP assistance form for the unit or the course of which the unit forms a part, on or before the census date.

VET FEE-HELP assists eligible students to pay for all or part of their VET tuition fees when studying one or more of the following accredited VET courses of study at a VET provider:

  • Diploma
  • Advanced Diploma
  • Graduate Certificate
  • Graduate Diploma

Over a student’s lifetime they may borrow through VET FEE-HELP and FEE-HELP, an amount up to the FEE-HELP limit to pay their tuition fees. VET FEE-HELP debts become part of an individual’s accumulated HELP debt. There is a loan fee of 20% that applies to full fee-paying students undertaking VET FEE-HELP loans. The FEE-HELP limit does not include the loan fee. The Australian Government pays the amount of the loan direct to a student’s provider. Students repay their loans through the Australian Taxation Office.

Statement of VET tuition assurance.

Under the provisions of Schedule 1A of the Higher Education Support Act 2003 (HESA) and the associated VET Provider Guidelines, Empower Institute is required to provide a VET tuition assurance arrangement for Australian citizens or holders of an Australian permanent humanitarian visa who are enrolled in the eligible VET courses of study that it offers. This requirement is to protect students in the event that Empower Institute ceases to provide a VET course of study, in which a student is enrolled.

Empower Institute has met the VET Tuition Assurance requirements of the HESA through its membership of the Tuition Assurance Services Pty Ltd ACN 610 991 234.

The contact details for Tuition Assurance Services are:

1 Cato Street
Hawthorn East
Victoria 3123

Telephone: 03 9832 3032
Fax: 03 9832 3030


VET FEE-HELP Entry Requirements from 1st January 2016

To comply with Higher Education Support (VET FEE-HELP Reform) Bill 2015 and the associated VET guidelines 2015, learners wanting to apply for a Commonwealth VET FEE-HELP student loan will be assessed for their academic suitability to undertake a high level VET qualification.

Before applying for VET FEE-HELP please take the time to read the VET FEE-HELP Information Booklet for 2016.

To apply for a VET FEE-HELP loan to cover the course tuition fees, leaner's must meet one of the Commonwealth Government’s criteria:

1. Produce a senior secondary certificate of education which has been awarded to the learner from an Australian agency for the completion of year 12. This information will be retained by Empower Institute for a minimum of 5 years.


2. Demonstrate competency at or above Exit level 3 in the Australian Core Skills Framework in reading and numeracy using the ACER’s Core Skills Profile for Adults (CSPA) Language, Literacy and Numeracy (LLN) assessment tool which has been deemed an approved Language, literacy and numeracy assessment tool.


If the learner is not able to meet either of the requirements mentioned above, they will not be eligible to apply for a Commonwealth VET FEE-HELP loan.

We will provide assistance to you by confirming your eligibility and providing you with the Request for VET FEE-HELP assistance form.

You must take time to read the Information booklet before filling out and signing the form, during the process of completing the form, you must tick all relevant boxes and sign the declaration. Return the form to the Student Services Team at Empower Institute on or before the census date (or the earlier date set by Empower Institute) for the first unit of study for which you wish to obtain VET FEE-HELP.

Please feel free to contact our friendly staff at Empower Institute, if you need help understanding VET FEE-HELP and completing the forms.

If you have not submitted a completed Request for VET FEE-HELP assistance form on or before the census date for the unit, you will not be entitled to VET FEE-HELP assistance for that unit.

What is the Loan Limit?

The VET FEE-HELP limit for eligible persons is indexed on the 1st of January every year. For 2016, the FEE-HELP limit is $99,389. You may use up to that limit for any courses.

What are the Fees and Charges?

No application fees are charged for requesting VET FEE-HELP assistance or completing the ACER’s Core Skills Profile for Adults (CSPA) Language, Literacy and Numeracy (LLN) assessment.

A 20% loan fee applies to full fee-paying students receiving VET FEE-HELP assistance. The loan fee is included in your VET FEE-HELP debt and will not decrease your Fee-Help loan limit. Students in a Reform State or Territory will not incur a loan fee. Victoria is the only Reform State or Territory for the purposes of VET FEE-HELP.

No interest is charged to your VET FEE-HELP debt, however, your debt is indexed annually by the Australian Taxation Office to maintain its real value. If you do not have an Tax File Number you can request one from the Australian Taxation Office.

Contact Empower Institute on Freecall 1800 EMPOWER (367 693) for the fees and start dates for the BSB50215 Diploma of Business and CHC50113 Diploma of Early Childhood Education and Care.

What are the Repayments?

Your VET FEE-HELP debt becomes part of your accumulated HELP debt. The minimum repayment threshold for compulsory repayment is adjusted each year. In the 2015–16 income year, you will be required to make a compulsory repayment if your income is $54,126 or above. Repayments made through the Australian Taxation Office are called compulsory repayments and continue until you have repaid your whole debt.

Study Assist Information. Click here