From 1 January 2017, a new scheme called VET Student Loans replaced the VET FEE-HELP (VFH) loan scheme. If you are an existing VFH student (who accessed VET FEE-HELP in 2016 or earlier) please refer to the updated information on our
VET FEE-HELP Opt-in page


What is VET Student Loans?

On 1 January 2017, the Australian Government Department of Education and Training launched the VET Student Loans program. This new student loans program has replaced the previous VET FEE-HELP scheme, to give eligible students access to quality higher level VET qualifications, particularly those students who could not otherwise afford to pay upfront.

The Australian Government Department of Education and Training approves a person’s access to a VET Student Loan. You access the loan for your course and then the Australian Taxation Office (ATO) then manages debt.

Each VET Student Loan eligible course has an associated capped amount. Eligible students are only entitled to loans up to the specified capped amount of each VET Student Loan eligible course. If course prices are above the maximum loan a student may borrow, other payment arrangements are available. You will be advised of these when you enquire.


How and when will my course fees be charged?

You repay your loan through the tax system when your income is above the minimum repayment threshold. Repayment thresholds are adjusted each year to reflect changes in average weekly earnings. The minimum repayment income threshold for 2016-17 is $54,869.

A VET Student Loan is a personal debt obligation that can affect your credit rating and have wage and tax repayment implications.

From 1 July 2017, all existing and future debtors from any Commonwealth student loan program who move overseas must make compulsory HELP repayments. If you are living overseas and earning an income that exceeds the minimum repayment threshold, you will be required to make compulsory repayments towards your debt.

Fees for courses eligible for VET Student Loans are charged by Units of Study. Your course will have at least three Units of Study and your payments will be spread across the duration of your course. Each Unit of Study has a census day, set at no less than 20% into the Unit of Study.

You will be sent an Invoice Notice 14 days before each census day, indicating your fees and census dates. Your debt is incurred on the day after the census day. After a census day has passed, Queensford College will also send you a Commonwealth Assistance Notice (CAN) for that Unit of Study. The CAN will provide you with information about your debt, including the loan fee if applicable. If you believe your CAN is incorrect, you should contact Queensford College Immediately.


How do I know if I’m eligible for a VET Student Loan?

To be eligible, you must either:

  • Be an Australian citizen, or
  • Hold an eligible permanent humanitarian visa and usually reside in Australia, or
  • Be a New Zealand citizen on Special Category Visa (SCV subclass 444) who meets the loan


You must also:

  • Have a tax file number or be applying for one
  • Have a Unique Student Identifier (USI)
  • Meet the academic suitability requirements as listed on the
    VET Student Loan Academic Suitability and Student Entry Policy (that is, assessed as academically suitable to undertake a high level vocational qualification)
  • Have a Commonwealth Higher Education Support Number (CHESSN)
  • Not have exceeded your lifetime Commonwealth student loan limit.


Please review the Queensford College
VET Student Loans Fair Treatment and Equal Benefits Policy document that ensures that Queensford College assesses all student applications and enrolments into VET Student Loans enabled courses in an equitable manner, and are processed with transparency by College Staff.


What is a Unique Student Identifier (USI)?

The Commonwealth requires all students studying in a nationally recognised training course to have a USI. If you already have one, please ensure you use this same USI whenever you enrol for any training. If you don’t have a USI, go to to register before you apply to enrol, or you can apply as part of your enrolment.


What is a Commonwealth Higher Education Student Support Number (CHESSN)?

A CHESSN is allocated to all students when they first access a Commonwealth loan. Any Commonwealth student loan you take is recorded against your CHESSN. If you already have a CHESSN, please supply that number.


What is a Commonwealth Higher Education Student Support Number (CHESSN)?

The residency requirements for New Zealand Citizens on a Special Category Visa are:


New Zealand Citizens

The residency requirements for New Zealand Citizens on a Special Category Visa are:

  • You first began living in Australia at least 10 years before applying for a loan, and at that time, were a child under 18 years of age and did not have a spouse or de-facto partner.
  • You have been in Australia for at least eight of the 10 years immediately prior to applying and at least 18 months of the last two years.
  • You will need to provide evidence of your eligibility Queensford College before requesting a VET Student Loan.


What do I need before I can enrol?

The enrolment process is straightforward and easy to understand in the following 4 steps.

Decide on your chosen course, delivery method and check if the course is an approved course for VET Student Loans. View the Commonwealth Government’s VET Student Loan program approved course list
here. Queensford College has been approved to offer a range of programs from this list, which you can view in full by clicking here (attached the 2017 fee schedule)

If course prices are above the maximum loan a student may borrow, other payment arrangements are available. You will be advised of these when you enquire.

Check if you meet the Eligibility and Entry Requirements. Be prepared to provide records of your past studies and/or work experience, and undergo a reading and numeracy assessment.

Ensure that you have your application documents and paperwork ready. Click here to download a VET Student Loan Application Checklist to assist you with your preparations


How do I apply for a VET Student Loan?

To apply for a VET Student Loan you must complete the Request for a VET Student Loan electronic Commonwealth Assistance Form (eCAF) before census date.

You must first enrol in the course and indicate you wish to access a VET Student Loan on your enrolment form.

Queensford College provides the Department your enrolment information and the Department will email you details to sign into the eCAF system and complete the online form.

Once you sign-in, you will need to verify the pre-populated information and complete the mandatory fields.

You then submit the eCAF online and the system will email you a copy of your completed form. You MUST then forward the email with completed eCAF form to Queensford College at


What is the electronic Commonwealth Assistance Form (eCAF)?

The eCAF is an electronic form to be filled out by students requesting to access VET Student Loan. You can lodge the form, which will defer your tuition fees to the Australian Taxation Office. Additional information to have ready is your Tax File Number and you will need to lodge the form before the relevant census date.


What is a Census Date?

The census date is the most important date for you to know about!

The census date is the last day you can complete the eCAF to access a VET Student Loan AND is the last date you can withdraw your enrolment without incurring the tuition fee cost or debt for the course.

Queensford College publishes Schedules of Fees, which include course dates, the census dates and tuition fees.

After admittance into the course, students also receive a course outline in the Letter of Offer, which includes course information, including census dates for every unit of study.

Furthermore, prior to each census date, students will receive an Invoice Notice including details of the tuition fee amount and upcoming census date when the tuition fee will be reported and incurred as part of your HELP debt.

After census date has passed, and the fee reported, students will receive a Commonwealth Assistance Notice (CAN) notifying them of the reported debt.

It is the student’s responsibility to check the Invoice Notice and CAN carefully and notify Queensford College within 14 days of any concerns or issues.


What Queensford College Courses are offered to VET Student Loan Eligible Students?

The following are VET Student Loan approved courses offered by Queensford College:

  • BSB51915 – Diploma of Leadership and Management
  • CHC50113 – Diploma of Early Childhood Education and Care
  • CHC52015 – Diploma of Community Services
  • FNS50215 – Diploma of Accounting
  • SIT50416 – Diploma of Hospitality Management


* Note a provider fee limit exists for the above qualifications, which means Queensford College can only admit limited students through the VET Student Loans scheme. If Queensford College reaches our provider limit; students will be notified of their options which may include paying tuition fees directly, or withdrawing their enrolment.

The courses that are offered to VET Student Loan Eligible Students by Queensford College will change as of the 1st of July 2017. Prior to this date, the new list of approved courses is accessible by contacting Queensford College on 1300 230 623.


Where to from here?

You will need to contact Queensford College on 1300 230 623 or via to request further information and an enrolment pack. Your enrolment application will be assessed and further information may be requested if required. Applicants will be advised in writing as to whether or not your application has been successful.

Students may be required, during their course to communicate his or her agreement that the Secretary continue to use the VET student loan to pay tuition fees for the course.

Further Information:

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