From Higher Education Loan Programs (HELP) through to scholarships, we have a number of financial assistance options to help you cover the cost of your studies.

Financial assistance

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). For further information, visit the Australian Government’s OS-HELP website.
  • 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.

HECS-HELP Benefit

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.

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Scholarships

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.

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Student Loans and Welfare

Student Loans - Domestic Students and International Students

Student loans are interest-free loans that are available on short term basis to students who demonstrate genuine need and whose continued study might be in jeopardy without additional assistance. For further information see our Student Loans Scheme procedure.

Eligibility

Applications for loans will only be considered from students who:

  • Are currently enrolled
  • Have completed at least one semester of study
  • Are in good academic standing
  • Do not have any outstanding debts owed to The University of Newcastle
  • Demonstrate genuine financial hardship where continued study might be placed in jeopardy
  • Demonstrate their ability to meet the required loan repayments
  • Ensure that a loan will not put them in further financial difficulty

Loans will not be issued for:

  • Expenses not directly associated with essential course-related endeavours
  • The purpose of income support where a student has failed to investigate part-time employment to support their studies
  • University fees or fines, including payment plans and tuition fees

Maximum loan amount

Eligible students may borrow up to $2000 in an academic year.

Student Hardship Grants - Domestic Students Only

Student Hardship Grants are available for students experiencing extreme financial hardship. Hardship Grants are provided to help with accommodation costs, basic living costs (including medical), textbook and course material/equipment costs and transport costs.

Eligibility

Applications for Hardship Grants will only be considered from students who:

  • Are currently enrolled
  • Have completed at least one semester of study
  • Are in good academic standing
  • Demonstrate extreme financial hardship
  • Demonstrate the inability to make loan payments

To apply for financial assistance, please email your completed application form and supporting documentation to the student loans and welfare office or hand documentation into the Student Support Office (SC2-12).  When the documentation is received, the Student Loans and Welfare Office will contact you if more documentation is required, to arrange an appointment if necessary or inform you of the outcome of your application.

Please apply by providing the following:

  • A completed copy of the Student Financial Assistance Application Form
  • Two forms of ID including your UON Student Card
  • Current Bank Statement (all accounts you hold, full month of transactions)
  • Centrelink/Income Statement and/or payslips or payment advice from employers
  • Valid evidence of costs (bills, rent receipts, housing bonds, textbook quote etc.)

Without this information it may not be possible to proceed with your application.

Please be reminded that if you are approved for a Student Loan or Grant there is a minimum waiting period of 7 to 10 days from the date of approval before the funds will be dispersed to your nominated financial institution.

Applications are assessed 2 days per week, while we understand that your application may be of an urgent nature, unfortunately this time-frame is not negotiable.

Student Placement Grants - Domestic Students Only

Student Placement Grants are available for those required to complete a practical component as part of their degree. These grants are provided to cover costs directly associated with placements. Students may be granted $300, $500 or $750.

Eligibility

Applications for Placement Grants will only be considered from students who:

  • Are currently enrolled
  • Have completed at least one semester of study
  • Are in good academic standing
  • Do not have any outstanding debts owed to The University of Newcastle
  • Can demonstrate significant financial hardship as a result of completing placement.

Important: Placement Grants will not be issued to cover loss of wages while students are on placement.

Semester 1 2017: Applications for placement grants in Semester 1 will close on 26 April 2017. Applications will be contacted by 12 May 2017 with the outcome.

Semester 2 2017: Applications for placement grants in Semester 2 will close on 3 October 2017, and applicants will be notified by 20 October 2017.

To apply for placement grant, please email your completed application form and supporting documentation to the student loans and welfare office or hand documentation into the Student Support Office (SC2-12).  When the documentation is received, the Student Loans and Welfare Office will contact you if more documentation is required, to arrange an appointment if necessary or inform you of the outcome of your application.

Please apply by providing the following:

  • Complete Placement Grant Application Form and Bank Details (on application)
  • Evidence of placement (print out of SONIA, placement letter)
  • Placement accommodation costs/quotes
  • Estimate of transport costs
  • Other placement related costs i.e.uniform, certificates
  • Centrelink/Income Statement
  • Current Bank Statements (all accounts you hold, full month of transactions)'
  • UON Student Card

Without this information it may not be possible to proceed with your application.

Voucher Application

Voucher Application for emergency assistance (maximum $200 per student per academic year).

To apply complete the Voucher Application Form and submit via email with supporting documentation to students loans and welfare.

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Income assistance

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.

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