VET Student Loans

VET Student Loans is an income contingent loans scheme intended to give eligible students access to quality higher level VET qualifications, particularly those students who could not otherwise afford to pay upfront.

Course eligibility for VET Student Loans will be limited to courses that have a high national priority, meet industry needs, contribute to addressing skills shortages and lead to employment outcomes.

It is important to note that a VET Student loan will remain a personal debt until it is repaid and it may reduce your take-home (after tax) wage and your borrowing capacity. You may wish to seek independent financial advice before applying.

What students need to know about VET Student Loans?

A VET Student Loan is only for tuition fees and doesn't cover additional costs such as text books, materials, or accommodation. Details of any additional costs for your course are detailed on the relevant course information page.


To receive a VET Student Loan, you must:

• be studying an approved course

• apply to the government using the approved form, and

• confirm your engagement and progression to continue to access the loan throughout your course.

• To be an eligible student, you must meet ALL of these criteria – further detailed below.

You must be:

• an Australian citizen, or

• a qualifying New Zealand citizen1 , or

• a permanent humanitarian visa holder, who is usually resident in Australia. o Students must provide their Passport with Visa Status (accepted Visa subclasses) Your FEE-HELP balance (the amount of your FEE-HELP limit you have left) is more than $0.

You have been assessed by the Institute as academically suited to undertake the approved course on the basis of either:

• providing your Australian Year 12 Certificate;OR

• providing evidence of successful completion of an Australian Qualifications Framework Certificate IV or higher qualification (where the language of instruction is English); OR

• displaying competence at Exit Level 3 in the Australian Core Skills Framework in both reading and numeracy through an approved Language, Literacy and Numeracy test.

If you want to use a VET Student Loan to pay for your study, you must meet the TFN requirements:

• you must have a valid TFN by the census day or

• if you don’t have a TFN, you can obtain a Certificate of application for a TFN. This certificate is available from the ATO after you have applied for a TFN. If you get a Certificate of application for a TFN, you are required to upload it to your eCAF before you submit. You may also provide (by uploading) a copy of the online application summary and barcode receipt issued by Australia Post.

You must advise your provider as soon as you have received your TFN from the ATO. You will then receive an email with a link to the eCAF where you can then enter your TFN. Once you have done this, you must resubmit the revised eCAF. If you do not provide your TFN, you will not be able to use a VET Student Loan for that study period. 

The amount of a VET Student Loan for a course is capped. The loan may not be sufficient to cover all the tuition fees for a course. The Institute will send you a written notice of the amount of your course tuition fees covered by the loan and any gap fees required to be paid by you. The information will be sent to you by the first census date for your course. You are responsible for paying the gap fee.

The census date for a course, or a part of a course, is the last day you can:

• complete the eCAF to apply for a VET Student Loan for your course or part of course, or

• withdraw your enrolment without incurring a debt for the course or part of the course.


All fees and Census dates are available in the VET Student Loans schedule here

You can request to withdraw from your course by contacting your teacher.

Please note: parent/guardian authorisation is required for students requesting to withdraw who are under the age of 18 years.

If you withdraw from a course or part of a course prior to the census date Kangan Institute will ensure that there are no financial, administrative, or other barriers to the withdrawal.

If you withdraw from course or part of a course and are seeking to enrol in another part of that course, we will work with you to ensure that you understand the impacts of your withdrawal on your enrolment in other parts of the course, including your eligibility and impacts on your study plan.

If you withdraw from a course or part of a course we will not, after the withdrawal, enrol you in a course or a part of a course without your written permission.

You will incur your VSL debt for each part of your course on the census date for that part of your course. If you do not wish to incur the VSL debt for that part of the course you must withdraw your enrolment in that part of the course, before the census date.

Having withdrawn from an approved course or part of an approved course, students with a VSL must sign a new Enrolment form before recommencing study in any approved course.

If you withdraw prior to the census date, you will not incur fees and you will not incur a debt. If you withdraw after the census date, you will be responsible for the fees and will incur the debt for that fee period.

What if I have special circumstances?

If you withdraw after the census day or are unable to successfully complete a unit, and believe this was due to special circumstances, you may apply to have your VSL balance re-credited for the unit of study.

To apply for a re-credit, you need to contact our VSL Team via

If you feel that Kangan Institute’s decision about your re-credit request is unfair, you also have a right to ask for an internal appeal of the decision. For more information on re-credits please see the Re-Crediting a Student Loan Procedure on our website.

Cancellations of Enrolment:

If Kangan Institute is cancelling your enrolment we will provide you with:

·  28 days to request an internal review of the decision before the cancellation takes final effect; and

·  Ensure that the cancellation only takes effect only after any grievance procedures initiated by you have been completed.


If you are considering applying for a VET Student Loan you should familiarise yourself with your rights and responsibilities. For further information please see:

·  VET Student Loan Information Booklet

·  VSL Student Obligations Fact Sheet

·  Australian Government’s Department of Employment and Workplace Relations website

To ensure fair treatment for students, Bendigo TAFE has policies and procedures on privacy, equity and diversity, admissions and enrolment, student fees, withdrawals and refunds, student misconduct and complaints and feedback.

You are entitled to raise concerns about your academic results or appeal a result. You may also raise a complaint or feedback for a range of non-academic matters, including harassment, vilification, and discrimination, privacy matters, financial matters and course applications. More information on our policies and procedures can be found on our website.

To continue accessing a VET Student Loan, you will have to confirm your continued engagement and participation in your course by completing the Progression Form. An email with login details to the eCAF system will be sent to you requesting that you indicate your study intent and complete a short survey each February, June and October.

Depending on the duration of your course and the length of time you take to complete the course, you may be requested to complete this form multiple times during the length of your course. If you do not complete the form and survey, you may be ineligible to continue accessing VET Student Loans to pay for the remainder of your course tuition fees.

To apply for a VET Student Loan, you must complete the Request for a VET Student Loan eCAF by the first census date. You must first enrol and indicate you wish to access a VET Student Loan. We will then give the commonwealth Department of Education your enrolment information, including the nearest applicable census day, through the electronic Commonwealth Assistance Form (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 must submit the eCAF on or before the first census day for which you would like the loan to apply. If you do not complete the eCAF, or other permitted form, by the required date for your course, you will have to wait until the next part of your course /unit, next semester or trimester to request a VET Student Loan for future study.

Retrospective access to VET Student Loans is not allowed under any circumstances.

Once you submit your eCAF, you will receive an email confirming your loan approval and providing you with a copy of your completed form. You should keep this form for your records. 

Your VET Student Loan becomes part of your Higher Education Loan Program (HELP) debt and must be paid back at the relevant rate when your repayment income is above the compulsory repayment threshold. The compulsory repayment threshold is adjusted each year. The compulsory repayment threshold for the 2023-2024 income year is $51,550.

During your studies, you will receive three notices.

• VET Student Loan Statement of Covered Fees - Given to the student after enrolment and before the first census date for the course. It is a written statement as to whether or not the enrolment has been accepted on the basis that some or all of the tuition fees are covered by a VET Student Loan.

• VET Student Loan Fee Notice - Provided to all students enrolled in a VSL approved course regardless of having a VSL debt or not. This is emailed to the students 14 days prior to their first census date in the fee period so that they have all the information they need to make their study and payment decisions.

• Commonwealth Assistance Notice – Given to all students who have taken up a VET Student Loan. This is sent to students within 28 days after the census day, for each study period you are using the loan.

  • Certain Diplomas, Advanced Diplomas, Graduate Certificates and Graduate Diplomas are eligible for VET Student Loans that are linked to industry needs and employment outcomes.
  • If you wish to access a loan to study a higher level VET course you will need to select one of these eligible courses.
  • A list of eligible courses and capped loan amounts can be found here
  • Eligible courses, and the providers approved to deliver them, will also be available on - Australia’s directory of training.


If you have any questions, concerns, or require more information regarding any element of VET Student Loans you can contact the Department of Education Skills and Employment HELP Student Enquiry line on 1800 020 108 or email

For VET Student Loans information please visit the Commonwealth Department of Education Skills Employment website here

VET Student Loan Complaints