The Higher Education Loan Programme is a suite of loans funded by the Commonwealth Government for Australian citizens and holders of a permanent humanitarian visa.  Repayment of these loans is income-contingent.  HELP consists of:

• HECS-HELP: replaces HECS and is for eligible students in Commonwealth supported places
• FEE-HELP:   loans for undergraduate and postgraduate full fee paying students, including eligible students enrolled in  Bridging Courses for Overseas Trained Professionals (BOTP courses)
• OS-HELP:    loans to assist Commonwealth supported students to study overseas.

For more details, select from the topic links provided in the 'More information' box.