Fees & Assistance

HELP loans and billing options

As a domestic student, you will usually have a number of options available for paying your fees.

Whatever you decide, remember to finalise your options and payments by the census date (last date to withdraw without financial penalty). If you don't, you may be at risk of having your enrolment cancelled.

What are the payment and HELP loan options?

Student type

Tuition fees

Student Services and Amenities Fee (SAF)

Commonwealth Supported Australian Citizen or Permanent Humanitarian Visa Holder

  • Full Upfront Payment
  • Partial Upfront Payment (minimum $500) and HECS-HELP Loan for the balance
  • HECS-HELP Loan for full amount
  • Full Upfront Payment
  • Partial Upfront Payment and SA-HELP Loan for the balance
  • SA-HELP Loan for the full amount

Full Fee Paying Australian Citizen or Permanent Humanitarian Visa Holder

  • Full Upfront Payment
  • Partial Upfront Payment and FEE-HELP Loan for the balance
  • FEE-HELP Loan for full amount
  • Full Upfront Payment
  • Partial Upfront Payment and SA-HELP Loan for the balance
  • SA-HELP Loan for the full amount

New Zealand Citizen or Permanent Resident

  • Full Upfront Payment

 * New Zealand Citizen on Special Category Visa (SCV)

  • Full Upfront Payment
  • Partial Upfront Payment (minimum $500) and HECS-HELP Loan for the balance
  • HECS-HELP Loan for full amount
  • Full Upfront Payment
  • Partial Upfront Payment and SA-HELP Loan for the balance
  • SA-HELP Loan for the full amount

For HELP eligibility, proof of residency and comprehensive information on the different HELP Loans, please refer to Study Assist website.

Students applying for HELP need to provide their Tax File Number via SOLS.

More information about your HELP debt is available on the ATO website.

Check your billing option

If you would like to check or change your current billing option, log onto SOLS and then select 'HELP-Loan Option'.

Below is an explanation of different billing types and what they mean.

Billing type

What it means

What you should do

CSS HECS-HELP Loan

Deferring all fees to a HECS-HELP Loan

Provide Tax File Number and permission for the University to use it.

CSS HECS-HELP Partial

Making a partial upfront payment (minimum $500) and deferring the balance to a HECS-HELP Loan.

From 1 January 2017, the Australian Government has removed the 10% HECS-HELP discount from all upfront payments on units of study that have a census date on/after 1 January 2017.

Provide Tax File Number and permission for the University to use it. 

Make your partial payment by census date.

CSS HECS-HELP Upfront

Paying all fees upfront

From 1 January 2017, the Australian Government has removed the 10% HECS-HELP discount from all upfront payments on units of study that have a census date on/after 1 January 2017.

Make full payment by census date.

CSS Unconfirmed

Not a valid billing type

Select a billing type via "HELP-Loan Option" on your SOLS menu.

Select ‘maintain’ and then follow the prompts.

CSS Full

You are not eligible for a HELP Loan and must pay in full upfront

Make full payment by census date.

DFP FEE-HELP Loan

Deferring all fees to a FEE-HELP Loan

Provide Tax File Number and permission for the University to use it.

DFP FEE-HELP Partial

Making a partial upfront payment and deferring the balance to a FEE-HELP Loan.

Provide Tax File Number and permission for the University to use it.

Make your partial payment by census date.

Domestic Postgraduate Fee Payer

Paying all fees upfront

Make full payment by census date.

Change your billing option

Change your current session billing type

This must be done before the census date (final payment date).

  1. Log onto SOLS
  2. Select HELP-Loan Option from the FEES menu
  3. Click 'Maintain' on your default billing type and follow the prompts which follow
  4. If you wish to defer your fees, you will need to provide your tax file number during these steps
  5. It is important to make sure you read all the information and indicate your agreement before clicking to continue
  6. Submit your new billing preference

Once you have finished these steps, double check that your billing type and Tax File Number permission are correct.

Change your default billing type for future sessions

This can be done at any time.

  1. Log onto SOLS
  2. Select HELP-Loan Option from the FEES menu
  3. Click 'Maintain' on your default billing type and follow the prompts which follow
  4. If you wish to defer your fees, you will need to provide your tax file number during these steps
  5. It is important to make sure you read all the information and indicate your agreement before clicking to continue
  6. Submit your new billing preference

Once you have finished these steps, double check that your billing type and Tax File Number permission are correct.

Changes to payment discounts

From 1 January 2017 the Australian Government has removed the 10% HECS-HELP discount from all upfront payments and partial payments (over $500) on units of study that have a census date on/after 1 Jan 2017.

Voluntary Repayments - from 1 January 2017, the 5% repayment bonus to the ATO will end. Until then current arrangements still apply for voluntary repayments made to the ATO which are processed by 31st December 2016.

For more information, visit the Study Assist website or the ATO website.

Commonwealth Assistance Forms (CAF)

Recent changes to legislation mean that students looking to take up a Commonwealth Supported Place for courses after 1 January 2013 must provide UOW an Australian address and be willing to undertake part of the degree in Australia.

Students undertaking a new degree will need to complete an online CAF and current Commonwealth Supported Students who have a nominated overseas address will be asked to resubmit their CAF.

Contact Student Central for help.

All the special terms explained

Study now, pay later

  • HECS Loan = a loan that allows you to defer all or part of your tuition fees as a debt to be repaid with the Australian Tax Office at a later date.
  • HECS-Help = the HELP loan available for eligible Commonwealth supported students.
  • FEE-HELP = the HELP loan available for eligible full-fee paying domestic students.
  • SA-HELP = the HELP loan available for eligible domestic students to defer all or part of their Student Services and Amenities Fee.

Student types

  • Commonwealth Supported Place = a University place that has tuition fees partially paid for by the Australian Government.
  • Full-fee Paying Place = a University place that is not subsidised by the Australian Government.

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Last reviewed: 27 January, 2017