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What you need to know about VET FEE-HELP before signing up

The Australian Government has VET FEE HELP (VFH) loan rules in place to protect students and to ensure they fully understand the loan process and the debt they will incur. Make sure you read and understand this student fact sheet from the Australian Government and view this nine-minute video from the ABC's The Checkout before making any decisions about taking out a VET FEE-HELP loan.

In 2015 the Australian Government reviewed the VET FEE-HELP initiative across Australia.  As a result all Registered Training Organisations offering access to VET FEE-HELP loans have been required to implement a threshold for 2016. This threshold places a cap on the amount of VET FEE-HELP that CIT students can access. Once this threshold is reached, CIT students will not be able to access VET FEE-HELP loans to fund their study.

As at 31 August 2016, CIT’s VET FEE-HELP cap is close to being reached.  Once that occurs, access to VET FEE-HELP for CIT courses will cease.  As soon as the cap for CIT is reached CIT will immediately switch off the eCAF to prevent students applying for VET FEE-HELP.  If you are considering applying for a VET FEE-HELP loan to pay your tuition fees this semester, it is recommended that you do so quickly before the cap is reached and the eCAF application is switched off.

Alternative Payment Options to VET FEE-HELP

CIT does have alternative payment options to VET FEE-HELP in place to support you to continue to study.  For information on these other options, please contact the CIT Student Association (CITSA) by phone on (02) 6207 3600, or email

VET FEE-HELP Schedule for Semester 2 2016

If you need help with the cost of study, the Australian Government offers support for you to study now and pay later through their VET FEE-HELP scheme.


VET FEE-HELP is a loan from the Australian Government that enables you to defer payment of tuition fees for eligible VET qualifications.

In 2016, many CIT qualifications are eligible for VET FEE-HELP assistance. This PDF (128Kb) also shows each qualification's entry requirements.

You will need to start repaying the loan through the Australian Taxation System once your income is above an amount set by the Australian Government. This minimum repayment threshold is adjusted each year.

A loan fee of 20% currently applies to VET FEE-HELP loans for full fee courses and subjects. For example, if your tuition fee is $1,000, the loan fee is $200. The loan fee is also repaid through the Australian Taxation System.

Please note this is a loan and therefore it will be classed as a debt whenever you are required to list your liabilities and assets, for example if you are applying to a financial institution for a loan or credit card.

Who is eligible?

You are eligible for VET FEE-HELP if you:

  • are an Australian citizen or permanent humanitarian visa holder or New Zealand citizen with a Special Category Visa holder; AND
  • have not exceeded the FEE-HELP limit; AND
  • are enrolled with an approved VFH provider in an eligible unit of study by the census date for that unit; AND
  • are able to provide a copy of your Australian Senior Secondary Certificate of Education (e.g. HSC in NSW), or undertake an assessment test to show you have the required level of literacy and numeracy to complete your course; AND
  • meet one of the following course requirements:
    • are a full fee-paying / fee for service student studying a diploma, advanced diploma, graduate certificate or graduate diploma level course at an approved VFH provider; OR
    • are a government subsidised student studying a diploma or advanced diploma course.

You must also supply your Tax File Number (TFN), or a valid Certificate of Application for a TFN, before you can access a VET FEE-HELP loan.

To check the most up-to-date eligibility criteria go to

Important information

  • There is a now a compulsory 2 business day cooling off period between enrolling in a course and applying for a VET FEE HELP loan. During this time you can think about your options and how the debt will affect your circumstances. Fee-for-service students currently pay a 20% loan fee. The 20% loan fee does not apply for subsidised students.
  • VFH loans and loan limits only cover the course fee, not any course related or mandatory equipment charges.
  • VET FEE HELP is a Commonwealth loan that may affect the borrowing capacity of the person until the debt is repaid. If you are unsure you should seek independent financial advice prior to applying for a student loan.

What does VET FEE-HELP cover?

You can only receive VET FEE-HELP for the tuition fee component of your course or subject fees (including Skills Recognition). VET FEE-HELP cannot be used to pay for any other costs such as the Service and Amenities Fee, textbooks, personal equipment/clothing, printing, accommodation and travel costs.

If you are enrolling in a government-subsidised course or subject, if eligible you may also apply for a CIT Fee Concession on the tuition fees in addition to applying for VET FEE-HELP. Full fee courses and subjects are not eligible for a concession.

What courses are available and what are the fees?

To view current VET FEE-HELP eligible courses and fees, click on the Fee Schedule documents at the top of this page.

What is a census date?

The census date is the last day you can submit a request for VET FEE-HELP (VFH) assistance or withdraw enrolment without incurring the cost for that course/subjects.

Commencing in Semester 2 2016 all CIT subjects will have their own Census Date.

To find out when a subjects Census Date will be check the VET FEE-HELP Schedule – Subject Dates above.

Census Date for Skills Recognition applications using work/life experiences will usually be 3 weeks after the invoice is originally issued.

How do I apply?

To apply for VET FEE-HELP, log-in to CIT Self Service and click on "I want to apply for a new course and/or enrol into classes". Then select Request for FEE-HELP or VET FEE-HELP assistance forms.

Before you can access the application form on CIT Self Service you will need to provide CIT with evidence of your citizenship/residency status and submit a copy of  your Australian Senior Secondary Certificate of Education (e.g. HSC in NSW), or undertake an assessment test to show you have the required level of literacy and numeracy to complete your course.

You will also need to have your Tax File Number at the time you apply.

Do I need to apply for VET FEE-HELP for each course I study?

Yes, you must submit a new Request for VET FEE-HELP assistance form for each course of study you are enrolled into if you wish to access the VET FEE-HELP loan scheme.

Once you have applied for VET FEE-HELP for a course all additional tuition fees for that course will automatically be transferred over to VET FEE-HELP.

How do I cancel my VET FEE-HELP assistance applications?

Yes, all requests to cancel VET FEE-HELP must be done in writing, and submitted prior to or on the Census Date. You can submit your written request in person at any CIT Student Services or by emailing

If you decide to cancel your VET FEE-HELP assistance request you will be required to pay all your fees prior to or on the Census Date.

Academic Suitability

The Australian Government has made important reforms to the VET FEE-HELP scheme to better protect students taking out a VET FEE-HELP loan. To be eligible to apply for a VET FEE-HELP loan, you must meet the qualification entry requirements (listed as 'entry requirements' for each course) as well as an additional academic suitability requirement. To meet the 'academic suitability' requirement you must either:

  • Provide CIT with your Australian Year 12 Certificate (submit your Australian Year 12 Certificate online via alternatively, bring it in personally to any Student Services/Library and staff)

  • Achieve competence in the Australian Core Skills Framework (ACSF) at or above the Exit Level 3 in both reading and numeracy in an approved Language, Literacy and Numeracy (LLN) assessment.
    CIT offers free and confidential LLN assessments at any CIT Library during opening hours, or at a CIT Course Information Session.
    CIT uses your LLN results to provide advice on the most suitable pathway to give you the best chance to successfully complete your chosen VET qualification. You will be advised of the outcome of your LLN assessment via email.

More Information

Detailed information is available on the Australian Government's study assist website at including eligibility, application and loan repayment

If you have questions about CIT policies and procedures for VET FEE-HELP please contact CIT Student Services on 6207 3188 or