VET Student Loans


ACFB is approved by the Department of Education & Training and Study Assist to offer VET Student Loans to students enrolled in our Diploma of Remedial Massage course.

The Australian Government is committed to increasing productivity, addressing skills shortages and assisting with the cost of studying. VET Student Loans is a loan program that helps eligible students enrolled in higher level vocational education and training courses at approved course providers pay their tuition fees.

VET Student Loans Information Booklet
VET Student Loans – Engagement

To find out more, please click on the icon above:


To be eligible for VET Student Loans, a person must:

To get a VET Student Loan, you must:

  1. be an eligible student
  2. be studying an approved course
  3. be studying with an approved course provider
  4. apply to the government using the approved form, which will be managed through your provider, and
  5. submit Progression Forms to confirm your ongoing engagement with your studies, and continue accessing the loan throughout your course.

To be an eligible student, you must meet ALL of these criteria – further detailed below.

You are:

  • an Australian citizen, or
  • a qualifying New Zealand citizen, or
  • a permanent humanitarian visa holder, who is usually resident in Australia.

Your HELP balance (the amount of your HELP loan limit you have left) is more than $0. This means you have enough HELP loan limit remaining for your proposed studies to be covered by the loan. The HELP loan limit is the limit on how much you can borrow. Any borrowing under FEE-HELP, VET FEE-HELP, VET Student Loans and, from 1 January 2020, HECS-HELP will count towards your HELP loan limit.

You are enrolled with an approved course provider in an approved course and have enrolled in accordance with the application requirements.

You are studying the approved course primarily at a campus in Australia.

To be an approved course, your course must:

    • be specified by the VET Student Loans (Courses and Loan Caps) Determination 2016 (the courses and loan caps determination) and
      − for state-government subsidised students, lead to a qualification of diploma or advanced diploma in the Australian Qualifications Framework or
      − for full fee-paying / fee for service students, lead to a qualification of diploma, advanced diploma, graduate certificate or graduate diploma in the Australian Qualifications Framework and
    • be provided by an approved course provider and
    • be delivered by an approved course provider or an entity registered with TEQSA or a body approved by the department to deliver the course
  • You have a Unique Student Identifier (USI) or are otherwise exempt.
  • You have read the VET Student Loans information booklet.
  • You have given the required documents to your approved course provider and submitted the loan application form by the first census day no less than two business days after enrolling.


  • Please Note:
    • VET student loans will not be approved for students who do not meet eligibility requirements.
    • It is important to understand that a VET student loan gives rise to a HELP debt that continues to be a debt due to the Commonwealth until it is repaid.

Loan Cap & Repayments

The current VET Student Loans limit is $106,319 for most students and the income threshold for compulsory repayment is $51,550 for the 2023 – 2024 income year. You will be able to place the entire course fee (for the HLT52021 Diploma of Remedial Massage course) on a VET Student Loan.

  • VET Student Loans will not be approved for students who do not meet eligibility requirements;
  • A VET Student Lon gives rise to a HELP debt that will remain a personal debt until it is repaid to the Commonwealth; and;
  • The loan may, until the debt is repaid, 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;
  • You be required, during the course to communicate your agreement that the Secretary continue to use the VET student loan to pay tuition fees for the course;
  • The maximum amount of a VET student loan that may be available for the course cannot be greater than your remaining FEE HELP balance;
  • The amount of HELP debt you may accrue if you received the maximum amount of VET student loan for the course (the debt could be up to 120% of the loan);
  • Tuition fees are reasonably apportioned across a specified number of sequential fee periods and will contain at least one census day;
  • Once enrolled, it is important to notify ACFB of any change of contact details.

What is a Census Date?

  • A date by which enrolment may be cancelled without incurring tuition fees for the course or a part of the course is a census day.

Loan Fee & Exemptions

The Australian Government charges a 20% loan fee which applies for VET Student Loans accessed by full fee paying/fee for service students. The loan fee does not count towards your FEE-HELP limit. Students who are eligibly for Skills First funding are not charged a loan fee.

Electronic Commonwealth Assistance Form (eCAF)

During the enrolment process students will be sent a link to access their eCAFs. Each student must submit their eCAFs prior to the first census day for which they wish to access a loan.

Relevant documents are available below and there is also additional information on the following website:

If you would like more information and to enrol, please contact our friendly team on 03 9873 4858 and we will be more than happy to assist you.


Student Selection Policy
Grievance, Complaints and Appeals Policy
Refunds and Withdrawal Policy
Significant RTO Changes
Access & Equity Policy
Statement of Tuition Assurance
2024 Schedule of Tuition Fees
2023 Schedule of Tuition Fees
Fees & Charges Policy
Client Enrolment
VFH Tuition Assurance Arrangements
VSL Statement of Tuition Assurance
Privacy and Personal Information Obligations Policy

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