VET Student Loans

What is VET Student Loan?

From 1 January 2017, the Commonwealth VET Student Loans program will replace the existing VET FEE-HELP loan program.

A VET Student Loan is a loan that helps eligible students enrolled in certain higher level vocational education and training courses at approved course providers pay their tuition fees.

For more information please visit Commonwealth Department of Education of Training.


What does a VET Student Loan cover?

A VET Student Loan can cover all or part of your tuition fees, i.e. you can choose to apply it to all or part of your unit of study debt. VET Student Loan is a loan for tuition fees only, and does not cover the cost of text book, equipment, travel, tools, accommodation or general living expenses.


Am I eligible?

You are eligible for VET Student Loans assistance if you:

  • are an Australian citizen, or
  • hold a permanent humanitarian visa and usually reside in Australia, or
  • are a New Zealand citizen on Special Category Visa and meet the long term residency requirements.

You must also:

  • meet the academic suitability requirements of the VET Student Loans Student Entry Procedure (199kb)  ;
  • have a tax file number (TFN) or be applying for one;
  • have a Unique Student Identifier (USI);
  • have a Commonwealth Higher Education Support Number (CHESSN); and
  • have not exceeded your lifetime Commonwealth student loan limit.

Before requesting a VET Student Loan, you will need to provide evidence of your eligibility to SITCM.

Please note that only students enrolled in HLT52015 Diploma of Remedial Massage may apply for VET Student Loans.


What is a Unique Student Identifier (USI)?

A USI is a unique reference number that creates a secure online record of your recognised training and qualifications gained in Australia. If you don’t have a USI, visit to register before you apply to enrol.


What is a Commonwealth Higher Education Student Support Number (CHESSN)?

A CHESSN is allocated to all students when they first access a Commonwealth loan. Any Commonwealth student loan you take is recorded against your CHESSN. If you already have a CHESSN, please supply that number.


Course Fees

Please refer to the Student Prospectus for current tuition fees.

There are also incidental fees for SITCM courses, including:

  • Printed copies of record books, work books, handouts, module books or other printed matter issued as part of the Training Material that are available online, or are lost or misplaced – $0.20 is charged per single sided print (b&w)
  • Copies of academic transcript (where first copy provided free of charge) $20.00
  • Copies of formal qualifications (where first copy provided free of charge) $50.00
  • Student ID Card (where first student ID card provided free of charge) $20.00


Loan Fee

A 20 per cent loan fee applies to VET Student Loans for full fee paying / fee for service students. The loan fee does not count towards your FEE-HELP limit.


How do I apply?

To apply for a VET Student Loan:

  • you must be enrolled in an approved course covered by VET Student Loans at SITCM;
  • you must meet both entitlement requirements and academic suitability requirements for the course in the VET Student Loans Student Entry Procedure and Fees Schedule; and
  • you must advise SITCM that you wish to apply for a VET Student Loan for the course.

SITCM will advise the Commonwealth that you wish to apply for a VET Student Loan. The Commonwealth will then email your logon details and password to access the eCAF system. You will need to verify the pre-populated information and complete all mandatory fields on the form “Request for a VET Student Loan eCAF”, then submit the eCAF form. Once submitted, you should receive a copy of your eCAF confirmation letter via email. You must provide a copy of this letter to SITCM.

A request for VET Student Loans assistance will only be given at least two business days after a student enrols in a module. You will not be able to receive VET Student Loans assistance for the module if you enrol in a module less than two business days before the census date. This is to ensure that students have had time to fully understand the details of their course enrolment and consider the fee payment options available to them.

Eligible students who fail to pay their tuition fees in full or who do not apply for VET Student Loans will be at risk of having their enrolment terminated.

As with any loan you take, you must understand the terms and conditions before you make a commitment. Please read the VET Student Loans information available on the Commonwealth Department of Education and Training website.


When do I need to apply?

Before the relevant census date for the modules that you are undertaking.


How do I pay back the loan?’

You start repaying your accumulated debt through the Australian Taxation Office when your income is above the minimum threshold for compulsory repayment. Repayment thresholds are adjusted each year to reflect changes in average weekly earnings.

Check out the Loan repayment page for information on how and when to pay back your loan.