There are options to help you cover the costs of study:
Higher Education Loan Program (HELP)
A HELP loan enables you to put off paying your student contribution or tuition fees for now and pay them off through the tax system once you are earning over the threshold set by the Government. In 2013-2014 you would need to be earning $51,309 or more before you need to make repayments towards your HELP loan.
See Study Assist for all the details on eligibility, how to apply, loan repayments and more.
There are four main types:
- HECS-HELP for eligible Commonwealth supported students.
- FEE-HELP for eligible fee paying undergraduate and postgraduate students.
- OS-HELP for eligible Commonwealth Supported Students who want to study overseas (exchanges, study abroad, short courses and other approved overseas study experiences). View our OS-HELP policy.
- SA-HELP to help eligible Commonwealth supported students to pay the Student services and amenities fee.
The loans are provided by the Australian Government and repayment thresholds are reviewed annually.
The HECS-HELP benefit provides an incentive for graduates of particular courses to take up related occupations or work in specified locations. The incentive is a reduction in compulsory HELP repayments. For more information about the benefit and to apply, visit the Australian Tax Office. Information is also available on the Government's Study Assist website.
Use our Scholarships finder to view the range of scholarships on offer. You don't have to be top of the class – scholarships are available in a variety of categories including sport, music and subject choice. You may be eligible based on your financial need or the town you are from.
Student loans and hardship grants
If you need assistance with rent, bond, living expenses or textbooks, a student loan may be an option. Interest free loans are available from the University of Newcastle to students on a short term basis. You need to demonstrate genuine need and that your study might be placed in jeopardy if assistance were not available. For further information see our Student Loans Scheme procedure.
You will need to complete the forms below and bring them with you:
Student hardship grants
Grants may be considered due to ongoing financial hardship, where the student is not able to demonstrate a clear capacity to repay a loan. Grants are assessed on the basis of extreme financial hardship. Student grants may be approved for accommodation costs; basic living costs - which may include medical costs, text books and course materials/equipment and practicum costs. For further information see our Student Hardship Grants procedure.
To discuss your needs, book an appointment with the student loans and welfare officer for your campus:
- Newcastle campus: + 61 2 4921 6466
- Central Coast campus: + 61 2 4348 4060
- Port Macquarie campus: + 61 2 6581 6200
Check with Centrelink to see if you are eligible for an allowance to help cover your living costs. If you are a domestic student studying full time, you may be eligible for:
- Youth Allowance: for full time student aged 16-24 years, or
- Austudy: for full time students aged 25 years and over, or
- Abstudy: for full time students of Aboriginal or Torres Strait Islander descent.