This guide provides an overview of higher education student loans that are provided through the Higher Education Loan Program (HELP).

Introduction: Australia’s Higher Education Loan Program (HELP) provides loans to Commonwealth-supported tertiary students. The scheme allows students to defer the costs of tuition until their taxable income reaches a certain level at which repayments commence.

HELP is regulated by provisions in the Higher Education Support Act 2003 and administered by the Department of Education. HELP debts and repayments are managed by the Australian Taxation Office (ATO).