Combined HELP loan limit

The combined HELP loan limit is a cap on what you can borrow from the Australian Government to cover the costs of your tuition fees.

What loans are included in the limit?

The HELP loan limit includes all FEE-HELP, VET FEE-HELP, VET Students Loans and HECS-HELP.

HECS-HELP debts with a census date prior to 1 January 2020 are not included in the HELP loan limit.

SA-HELP, OS-HELP and loan fees are not included in your HELP loan limit.

What is the HELP loan limit amount?

For 2023, the HELP loan limit is $113,028 for most students.

The limit for students studying medicine, dentistry and veterinary science courses leading to initial registration, or eligible aviation courses with census dates in 2023 will be $162,336.

Available HELP balance

Your available HELP balance is your available borrowing capacity for HECS-HELP, FEE-HELP, VET FEE-HELP and VET Student Loans.

How is my available HELP balance calculated?

Your available HELP balance is your HELP loan limit of that given year, minus your HECS-HELP, FEE-HELP, VET FEE-HELP and VET Students Loans borrowing.

Taking out a loan will reduce your available HELP balance and making repayment will increase your available HELP balance.

What if I don't have enough HELP balance to cover my fees?

If you enrol in a unit of study and your tuition fees exceed your available HELP balance, you must pay the outstanding amount upfront to your provider.

Where do I find my available HELP balance?

You can view your available HELP balance through the Australian Government myHELPbalance website. You will need your USI or CHESSN, student ID number and personal details to login to the website.

Please note, there is a time lag between census date and when your information on myHELPbalance is updated, so to work out your current balance you may need to add any units you have recently enrolled/are currently enrolled in to the total shown on myHELPbalance.

For more information visit the Study Assist Combined HELP loan limit page.