student services and amenities fee
When you attend a university or higher education provider they charge you a fee each year called the student services and amenities fee (SSAF). SA‑HELP is a loan that helps students pay for all or part of their SSAF. …

What is the difference between HECS and help?

HECS-HELP is a loan for eligible Commonwealth supported students studying at public universities (and some approved private higher education providers). FEE-HELP is a loan for eligible domestic fee paying students. These places are not subsidised by the Government and tuition fees are set by the approved providers.

How do I check my SA-help?

You can check your SA-HELP loans at To access your loan history, in addition to your personal details (date of birth, first and last name), you will need your CHESSN or USI and your student ID number at your provider.

Is there a discount for paying HECS upfront?

If you are eligible for HECS-HELP and you make a full upfront payment to your provider of 90% of your student contribution for your unit/s of study, or a partial upfront payment to your provider of $500 or more for your unit/s of study, you will receive a 10 per cent discount. This is known as the ‘HECS-HELP discount’.

How can I get help with my debt?

Gather up-to-date details about your finances, including your income, outgoings and debts. Use our online debt help tool to get advice now. A session takes around 20 minutes to complete. Prefer to talk? Use our budget form before calling 0800 138 1111. A call takes around 40 minutes to complete.

How many people a year get help with debt?

Our team of debt experts help 650,000 people a year to deal with their debt problems. With more than 25 years’ experience, you can be confident that our advice is always based on what’s best for you. Our advice is free, impartial and confidential and we tailor our advice to your situation.

What do I need for a debt advice session?

If you need more time you can save your progress and complete it later. If you’d prefer to get advice over the phone, we recommend gathering information about your finances, including income, outgoings and debts, before you call us and having them to hand. What information do I need for a debt advice session?

How long does it take to call a debt expert?

A call takes around 40 minutes to complete. Our team of debt experts help 650,000 people a year to deal with their debt problems. With more than 25 years’ experience, you can be confident that our advice is always based on what’s best for you. Our advice is free, impartial and confidential and we tailor our advice to your situation.