VET Student Loans - TAFE Queensland

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VET Student Loans

Pre-Enrolment Information for students considering applying for a VET Student Loan

There are a few things you need to think about before you apply for a VET Student Loan to pay for all or part of your course costs. When you apply for a VET Student Loan you are agreeing that you have read and understood this information as a condition of your application.

VET Student Loans:

  • From 1 January 2017, VET Student Loans (VSL) was implemented by the Commonwealth Government
  • This is a new student loans program that replaces the VET FEE-HELP scheme, and provides eligible students access to quality higher level VET qualifications, particularly those students who could not otherwise afford to pay upfront
  • A VET Student Loan is a personal loan from the Commonwealth Government
  • You will be required to repay your VET Student Loan to the Commonwealth Government when your income reaches the repayment threshold. The threshold can be found at
  • Repaying the loan may reduce your take-home (after-tax) wage or salary and may reduce your borrowing capacity.
  • You may wish to seek independent financial advice before applying for a loan.
  • For full fee paying students, there will be a 20% loan fee applied to your loan.
  • Students eligible for a state-based subsidy will not incur the 20% loan fee. Please contact us to discuss whether you are eligible for subsidy for your training.

How does a VET Student Loan work?

If you are eligible, you can access a VET Student Loan up to a certain amount (called a loan cap) for a range eligible course.

TAFE Queensland receives your tuition fees from the Australian Government and you repay your loan through the Australian tax system. When your income reaches the repayment threshold, you start making repayments until you have repaid the whole loan amount.

A VET Student Loan is only for tuition fees, and doesn't cover additional study costs such as your text books, materials and accommodation.

Depending on your chosen course, you may need to pay the difference (referred to as a gap) between the course cost and the VET Student Loan Cap.

You can access a payment plan to help you pay off the remaining gap amount in instalments.

What are Loan Caps?

  • There are three bands of Loan Caps, $5000, $10,000 and $15,000, which will apply irrespective of whether the course is being delivered face-to-face, online, or via mixed delivery modes. The Commonwealth sets the Loan Caps for each course.
  • If you are eligible for a VET Student Loan, you will be entitled for a loan up to the specified Loan Cap amount per course.
  • Your course may cost more than the Loan Cap. If so, you will be required to pay the difference (known as the gap). You may be able to apply for a payment plan for the gap between your eligible loan amount from the Commonwealth Government and the course fee charged by TAFE Queensland.

Am I eligible for a VET Student Loan?

To be eligible for a VET Student Loan you must meet the following criteria.

  • You must be:
    • an Australian citizen, or
    • a New Zealand Special Category Visa (SCV) holder who meets the long-term residency requirements, or a permanent humanitarian visa holder.
    • Not exceeded the FEE HELP limit.
  • Meet academic suitability requirements.
  • Enrolled with an approved course provider in an approved course.
  • Studying the approved course primarily at a campus in Australia.
  • Meet the Tax File Number (TFN) requirements.
  • Have a Unique Student Identifier (USI) or are otherwise exempt.
  • Have read the 2017 VET Student Loans information booklet
  • Provided the required documents to TAFE Queensland and submitted the electronic loan application form (known as eCAF) by the first census day which is no less than two business days after enrolling.
  • Able to provide proof of identification and citizenship
  • Able to provide the required documents to TAFE Queensland and submit the loan application form by the first census day, which is no less than two business days after enrolling.

TAFE Queensland is an approved course provider. You can check if your chosen course is approved for a VET Student Loan on the course brochure. Search for your course here.

Are you academically suited?

Before you can access a VET Student Loan, TAFE Queensland must also determine if you are academically suited to undertake the course prior to your first census date.

TAFE Queensland will ask you to:

  • provide your Australian Year 12 Certificate of Education, or
  • provide evidence of successful completion of an Australian Qualifications Framework certificate IV or higher qualification (where the language of instruction is English), or
  • display competence at Exit Level 3 in the Australian Core Skills Framework in both reading and numeracy through an approved Language, Literacy and Numeracy test.

In addition, TAFE Queensland must reasonably believe you will be able to successfully complete the course.

Our customer service teams are ready to support you through the application process. Contact your local TAFE Queensland team for assistance.

Eligible courses

  • Specific diplomas, advanced diplomas, graduate certificates and graduate diplomas that are linked to industry needs and employment outcomes are eligible for VET Student Loans.
  • A list of eligible courses is published by the Government at and will be updated annually.
  • TAFE Queensland is authorised a VET Student Loan provider.

Course fees and census dates

  • Tuition fees and the Schedule of Fees for eligible courses are available on the TAFE Queensland websites and at the point of enrolment.
  • Your fees will be spread across a minimum of three periods, and each fee period will contain at least one census date.
  • You should note your census date for each of your enrolments. Your census date is the last date that you can apply for a loan, or to withdraw from any course/units without any financial penalty.
  • If you advise TAFE Queensland that you are withdrawing prior to your census date, you will not incur a loan debt. Any fees you have paid will be refunded without an administrative fee. You must advise us in writing if you wish to withdraw on or prior to the census date to avoid incurring a debt. Please refer to the TAFE Queensland Refund and Withdrawal Policy

Ongoing Engagement

  • From 1 July 2017, you will be required to demonstrate you are progressing through your course and that you wish to continue accessing a VET Student Loan as your payment option.
  • To do this, you will need to log in online to the Commonwealth Government’s website twice during the year to acknowledge acceptance of the loan you will receive for the course.

Communication and Support

TAFE Queensland and the Commonwealth Government will communicate with you via your personal email/mailing address. It is important and your responsibility, to keep your contact details with us up to date.

Our customer service teams are ready to support you through the application process. Contact your local TAFE Queensland team for assistance.

Student Policies

Access your Student Policies, detailing important information and forms to help you in your time as a TAFE Queensland student.