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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.

PLEASE NOTE: It is mandatory that your personal details are exactly the same as what is recorded at the Australian Taxation Office (ATO) to access a HELP Loan. This includes your valid tax file number (TFN), first name, middle name, last name, date of birth and your current mailing address. If any of these details are incorrect at UOW as per ATO’s records you will not have access or continued access to a HELP Loan. For more information contact ATO Helpline 13 28 61 or access or create myGov account and link to the ATO office.

Payment and HELP loan options

Student typeTuition feesStudent Services and Amenities Fee (SSAF)
Commonwealth Supported Australian citizen or permanent humanitarian visa holder
  • Full up-front payment
  • Partial up-front payment and HECS-HELP Loan for the balance
  • HECS-HELP Loan for full amount
 
  • Full up-front payment
  • Partial up-front 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 up-front payment
  • Partial up-front payment and FEE-HELP Loan for the balance
  • FEE-HELP Loan for full amount
 
  • Full up-front payment
  • Partial up-front payment and SA-HELP Loan for the balance
  • SA-HELP Loan for the full amount
 
New Zealand citizen or permanent resident
  • Full up-front payment
 
  • Full up-front payment
 
*New Zealand citizen on Special Category Visa (SCV)
  • Full up-front payment
  • Partial up-front payment and HECS-HELP Loan for the balance
  • HECS-HELP Loan for full amount
 
  • Full up-front payment
  • Partial up-front 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 the Study Assist website.

Students applying for HELP need to provide their TFN 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 typeWhat it meansWhat you should doEligible to apply for a Tuition Fee Instalment Plan?
CSS HECS-HELP Loan Deferring all fees to a HECS-HELP Loan Provide your TFN and permission for the University to use it. No
CSS HECS-HELP Partial

Making a partial up-front payment and deferring the balance to a HECS-HELP Loan.

From 1 January 2021 the Australian Government has reintroduced the upfront ​payment discount for ​Commonwealth Supported Students. If you are eligible for HECS-HELP and you make a partial upfront payment of $500 or more for your unit/s of study, you will receive a 10 per cent discount on the amount paid. This is known as the ‘HECS-HELP discount’. 

Provide your TFN and permission for the University to use it. 

Make your partial payment by census date.

No

CSS HECS-HELP Up front

Paying all fees up front.

From 1 January 2021 the Australian Government has reintroduced the upfront ​payment discount for ​Commonwealth Supported Students. If you are eligible for HECS-HELP and you make a full upfront payment of 90% of your student contribution for your unit/s of study, you will receive a 10 per cent discount. This is known as the ‘HECS-HELP discount’.

Make full payment by census date.*

*If a TFN and permission for the University to use it has been provided, any balance after the census date will be deferred to a HECS-HELP Loan.

No
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.

No

CSS Full You are not eligible for a HELP Loan and must pay in full up front. Make full payment by census date. No
DFP FEE-HELP Loan Deferring all fees to a FEE-HELP Loan. Provide your TFN and permission for the University to use it. No
DFP FEE-HELP Partial Making a partial up-front payment and deferring the balance to a FEE-HELP Loan.

Provide your TFN and permission for the University to use it.

Make your partial payment by census date.

No

Domestic postgraduate fee payer Paying all fees up front. Make full payment by census date. Yes

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 TFN permissions 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 TFN permissions are correct.

 

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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