You have many flexible finance options, so you don’t need to worry about being burdened with fees while you are studying. You may not need to make a payment until you’re earning a full salary.
Calculate your saving by paying upfront.
Your flexible finance options include:
Commonwealth supported places
All places in all undergraduate degrees and some postgraduate coursework degrees are Commonwealth supported places. This means the Australian Government contributes about three-quarters of the total tuition fee of Commonwealth supported students. You will be required to pay a contribution to cover the remaining costs of the course; however, a HECS-HELP loan will help cover some or all of your student contribution fees.
Most postgraduate research degrees are covered by the Federal Government's Research Training Scheme, and are exempt from tuition fees and student contributions.
Government assistance
The Federal Government provides financial assistance to eligible students through income-tested schemes such as Austudy, ABSTUDY and Youth Allowance (for those under the age of 25 when they begin university).
Scholarships
UOW scholarships provide some financial independence, allowing you to focus more effectively on your studies.
HECS-HELP
HECS-HELP is a loan that assists eligible Commonwealth supported students with their contribution fees (it replaces the previous HECS deferment scheme). It means you won't have to make any repayments until your income reaches the minimum threshold.
HECS-HELP is available to Australian citizens and holders of a permanent humanitarian visa in a Commonwealth supported place. Your UOW offer of admission will clearly indicate whether you are eligible.
HECS-HELP repayment thresholds from 2008-09
| Income range | % rate to be applied to repayment |
|---|---|
| Below $41,595 | Nil |
| $41,595 – $46,333 | 4.0% |
| $46,334 – $51,070 | 4.5% |
| $51,071 – $53,754 | 5.0% |
| $53,755 – $57,782 | 5.5% |
| $57,783 – $62,579 | 6.0% |
| $62,580 – $65,873 | 6.5% |
| $65,874 – $72,492 | 7.0% |
| $72,493 – $77,247 | 7.5% |
| $77,248 and above | 8.0% |
HECS-HELP loan calculator
Calculate fees that are being deferred to your HECS-HELP loan each semester.
FEE-HELP
Full fee-paying students (postgraduate students only) may be eligible for a FEE-HELP loan to cover their tuition fees.
Australian citizens and holders of a permanent humanitarian visa are eligible for FEE-HELP. Your UOW offer of admission will clearly indicate whether you are eligible.
If you wish to study at postgraduate level, please visit our postgraduate site.
