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Home | Future students | VET Student Loans

VET Student Loans

VET Student Loans is a Federal Government loan scheme available to assist eligible students studying higher level vocational education and training (VET) qualifications to pay their tuition fees by allowing students to defer payment of their tuition fees until they are employed and earning above a prescribed annual salary. The loans are then repaid through the tax system.

The intention of the Australian Government scheme is to remove the financial barriers that prevent students from commencing study. This option is currently available for students studying trial Certificate IV, Diploma and Advanced Diploma courses.

VET Student Loans liability occurs on a unit of study basis, not on a course basis and students do not incur a VET Student Loans liability until after the census date has passed for each unit of study. The census date can be no earlier than 20 per cent of the way through a unit.

Full details on the scheme including eligibility requirements and application information can be found in the information booklet.

Approved VET Student Loan courses

Students enrolling in the below courses can apply for VET Student Loans. Please click on each link to view the 2020 Schedule of VET Tuition Fees.

VET Student Loans eligibility

To apply for a VET Student Loan and continue to receive it, you must:

  • be an eligible student
  • be studying an approved course
  • be studying with an approved course provider
  • confirm your intention to access the loan throughout your course.

You must meet all of the following criteria:

  • Are an Australian citizen or holder of a permanent humanitarian visa, or a New Zealand citizen special category visa holder subclass 444 who meets the requisite criteria (resident in Australia for the duration of the unit); 
  • Have not exceeded the VET Student Loan limit
  • Can provide your tax file number or a certificate of application for a tax file number when you submit your VET Student Loan application.
  • Are enrolled with an approved provider in an eligible unit of study at least 14 days prior to census date for the first unit of your study with VET Student Loan access; and at least 14 days prior to census date for subsequent units.
  • Can confirm your request for VET Student Loans at least two business days after enrolment and prior to the first census date. 
  • Can provide evidence that you have completed an Australian Year 12 Senior Education Certificate or undertaken an approved literacy assessment.  This testing is available at North Regional TAFE.
  • For more information on eligibility requirements, please visit

How to apply for a VET Student Loan

You must first enrol with your provider and indicate you wish to access a VET Student Loan. Your provider will then give the Department your enrolment information, including the nearest applicable census day, through the eCAF system.

You will then receive an email from the Department allowing you to sign into the eCAF system. Once you sign-in, you will need to verify the pre-populated information and complete the mandatory fields. You can then submit the eCAF, which will cause the system to email you a copy of your completed form. You must give this form to your provider prior to the first census day.

If you do not complete the eCAF by the required date for your course, you will have to wait until the next study period (e.g. next semester or trimester) to request a VET Student Loan for future study and the debt for the currently confirmed enrolled units of study will be due to be paid by the student. Retrospective access to VET Student Loans is not available. 

Additional information and policies

Complaints Management Policy
Assessment Appeals Policy
Student Privacy and Personal Information Policy
Student Fair Treatment and Equal Opportunity Policy
VET Student Loans Tuition Fee Review Policy
VET Student Loans Tuition Fee Refund Policy
VET Student Loans Student Admissions Policy 
Statement of Tuition Assurance - VET Student Loans

Page last updated September 23, 2020