Financial assistance

There are options to help you cover the costs of study:

Higher Education Loan Program (HELP)

A HELP loan enables you to delay 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 2016-2017 you would need to be earning $54,869 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).
  • 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.

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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

Financial Assistance

For further information see our Student Loans Scheme procedure.


Applications for financial assistance will only be considered from students who:

  • Are currently enrolled
  • 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
  • Loans - demonstrate their ability to meet the required loan repayments
  • Loans - ensure that a loan will not put them in further financial difficulty

Student Loans - Domestic and International Student

Student loan are interest-free loans that are available on a short term basis to students who demonstrate genuine need and whose continued study might be placed in jeopardy without additional assistance.

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.

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. This may also include grocery and/or petrol vouchers.

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

To apply for financial assistance, please email or hand deliver your completed documentation to the student loans and welfare office or into the Student Support Office (SC2-12).  Once the documentation is returned, the Student Loans and Welfare advisor will contact you if - a meeting is required or more documentation is needed 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 account you hold, full month of transactions)
  • Centrelink/Income Statement and/or 3 x payslips or payment advice from employers
  • Valid evidence of costs (bills, rent receipts, housing bonds, textbook quote etc. - we cannot provide funds without valid evidence of costs)

For placement grants please also provide the following:

  • Evidence of placement (print out of SONIA or placement letter)
  • Placement accommodation costs/quotes
  • Estimate of transport costs
  • Other placement related costs i.e. uniform, certificates

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 timeframe is not negotiable.

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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