Paying for your education and funding your future

Understanding tuition fees

The cost of tertiary study depends on the institution, qualification level, and whether your course is government-subsidised. The main types of tuition fees include:

• Commonwealth supported places (CSP): Subsidised university places where the government covers part of the cost, leaving students to pay a reduced student contribution.
• Full-fee places: Courses where students pay the entire tuition cost, commonly found in private institutions and some postgraduate programs.
• TAFE and vocational education fees: Costs vary by state, with government-subsidised places available for eligible students.

To explore different study options, see choosing the right institution.

Government loans and financial assistance

Several government loan programs help students cover tuition fees, including:

• HECS-HELP: Available for students in Commonwealth Supported Places, allowing them to defer tuition payments until they earn above the repayment threshold.
• FEE-HELP: A loan scheme for students in full-fee courses, repaid through the tax system.
• VET Student Loans: Government assistance for eligible diploma and advanced diploma courses.

These loans ensure that students can focus on study without upfront financial burdens. If you are unsure whether you qualify, visit accessing tertiary education for more details.

Scholarships and grants

Scholarships are an excellent way to reduce study costs. They are offered by universities, private organisations, and government programs. Common scholarship types include:

• Merit-based scholarships: Awarded for academic achievement, leadership, or community service.
• Equity scholarships: Designed for students from disadvantaged backgrounds, including mature-age and Indigenous students.
• Industry-sponsored scholarships: Funded by businesses to support students in specific fields.

Scholarships often cover tuition fees, living expenses, or study materials. Use our scholarship search to find eligible options.

Living costs and budgeting

Beyond tuition fees, students must plan for everyday living expenses, including:

• Rent or mortgage payments.
• Utilities, internet, and mobile phone bills.
• Transport costs (public transport, fuel, or parking fees).
• Groceries, textbooks, and study materials.

Budgeting tools and student discounts can help manage costs. If you’re relocating for study, see considering relocation for study for tips on housing and affordability.

Government support payments

Centrelink offers financial assistance to eligible students through programs such as:

• Youth Allowance: For students aged 16–24.
• Austudy: For students aged 25 and over.
• ABSTUDY: For Aboriginal and Torres Strait Islander students.
• Rent Assistance: To help students with accommodation costs.

Eligibility depends on factors such as income, assets, and study load. Visit the Services Australia website for details or check accessing tertiary education for more information on support options.

Working while studying

Many mature-age students balance study with part-time or full-time work. Considerations include:

• Choosing a flexible course structure to accommodate work hours.
• Exploring student job boards and university career services.
• Checking if your employer offers study leave or tuition reimbursement.

If balancing study with work feels overwhelming, visit balancing study with other commitments for time management strategies.