Do you need assistance with living expenses or course-related costs?
UTS may be able to offer some support through the following loan options.
1. UTS short-term student loans
- These loans are generally capped at $500
- Open to all students, local and international, currently enrolled in an award course at UTS, who are experiencing short-term cash flow problems may be eligible for an interest-free student loan.
- Applicants may apply through the Financial Assistance Service and must meet eligibility criteria.
Learn more: short-term loans
2. Government HELP loans
- The Government administers five Higher Education Loan Program (HELP) loan schemes [opens external site] to assist local students with their tuition fees.
- A newly introduced 'combined HELP loan' structure for domestic tuition fees will limit how much HECS-HELP you can borrow over the life-span of your tertiary education. The new 'combined HELP loan limit' will replace the 2018 FEE-HELP limit, and, will include FEE-HELP, VET Student Loans, VET FEE-HELP and HECS-HELP Loans. The 'combined HELP loan limit' is a cap, limiting the amount of HELP an individual can borrow.
- For 2019, the combined HELP loan limit will be $104,440 for most students.
- The right loan for you will depend on your course of study, eligibility and additional factors. These loans include the HECS HELP, FEE-HELP, SA HELP and the OS-HELP for local university students studying both in Australia and abroad.
- New Zealand citizens who are holders of SC Visas may be eligible for the HELP loan(s) from 1 January 2016. For details: http://studyassist.gov.au/sites/studyassist/helpfulresources/pages/faqs-nz [opens external site]
- See also UTS domestic fees and payment for additional information.
3. External loans
- If you need to borrow a larger amount, you may wish to seek a loan from a financial institution.
- Credit Unions and banks offer loans of various terms and types [opens an external site] including possible deferred payment options.
- Mozo (opens an external site) offers a comparison of loans currently advertised on the market. Just remember to check the interest rates and repayment arrangements carefully.