To be eligible for a CSP you must be either:
- an Australian citizen who will be residing in Australia for at least one unit of study contributing to your course, or
- an Australian Permanent Resident who will be residing in Australia for the duration of your course;
- a New Zealand citizen who will be residing in Australia for the duration of your course.
If you receive a CSP and meet the residency criteria*, you can choose to either:
- pay the student contribution amount upfront (payable by trimester),
- take out a HECS-HELP loan to defer the cost of the student contribution amount, or
- a combination of both (i.e. pay the student contribution amount for some units upfront, and take out a HECS-HELP loan for some units).
A HECS-HELP loan allows you to defer paying back your contribution until you meet the income threshold, and pay your loan back over time. The compulsory income repayment threshold is $46,620 for the 2020-2021 income year. We recommend that you check the threshold level regularly, as it changes from year to year. HECS-HELP repayments are managed by the Australian Taxation Office.
HECS-HELP Up-front Payment Discount
If you are eligible for HECS-HELP assistance, you will receive a 10% discount for up-front student contribution payments of $500 or more. For example, if you make an up-front payment of $500, the Government will pay one‑ninth of $500 to your provider on top of your up-front payment of $500. You can then pay for the remainder of your student contribution amount with a HECS‑HELP loan. Visit Study Assist for more information.
*If you are an Australian Citizen studying at least one unit while residing in Australia; a Permanent Resident holding a Permanent Humanitarian Visa, or New Zealand Citizen holding a Special Category Visa (who meets the additional eligibility criteria, see Study Assist) who will be residing in Australia for the duration of your course, you may be eligible for a HECS-HELP loan.
If you are an Australian Citizen, an Australian Permanent Resident , or a New Zealand Citizen living overseas, you are not eligible for a HECS-HELP loan and must pay the student contribution amount upfront (payable by trimester.)
Answer a few quick questions in our Fee Category Finder to find out what fee category and payment options are relevant to your circumstances.