The VET Student Loans program is designed to give eligible students access to quality higher level VET qualifications, particularly those students who could not otherwise afford to pay upfront. A range of measures were implemented on 1 January 2017 that affects students hoping to access income contingent loans to pay for their course fees.
TAFE SA is an approved VET Student Loans provider and must ensure policies and procedures are in place to administer compliance requirements of the Commonwealth Government VET Student Loans program.
Additional information:
Each VET Student Loans eligible qualification has a course loan cap.
This means if your course fees exceed the loan cap, you will be required to pay for the fees over the loan cap upfront to TAFE SA.
Please note, on the 1 January each year the VET Student Loan course loan cap is subject to indexation. More information is available on the Department of Employment and Workplace Relations website.
To be eligible for a VET Student Loan you must provide evidence that you are:
Please refer to the VET Student Loans Student Entry Procedure for acceptable forms of evidence.
In addition to TAFE SA believing on reasonable grounds that a student is academically suited to undertake the qualification for which a VET Student loan is sought, in order to apply for a VET Student loan to assist with payment of your course fees, you must meet one of the following requirements:
If you are not able to meet any of these requirements, you will not be eligible to apply for a Commonwealth VET Student loan.
TAFE SA Staff must ensure that all VET Student Loans eligible students are provided all relevant information before enrolling in a new VET Student Loans qualification. This must include the information on the VET Student Loans scheme, ensuring it is understood and acknowledged in full by the student.
You will need to submit an Acknowledgement of Understanding to acknowledge that you understand your obligations, evidence requirements and the application process. This is required for each qualification you wish to apply for a VET Student Loan for.
Once you have submitted approved eligibility documentation, completed and submitted your Acknowledgement of Understanding and been deemed eligible to apply, TAFE SA will upload your enrolment data to the Commonwealth Government eCAF system.
You must apply for a VET Student Loan before your first Census date to receive VET Student Loans for that unit of study.
The Census date is the last date which you can apply for VET Student Loans. The Census date is also the last date which you can withdraw from a unit of study (CRN) without incurring a debt for that unit of study. The Census date of a CRN is calculated as your nominated start date plus 20% of the course (CRN) duration.
The Schedule of Fees shows the duration and Census in day(s) for each unit of study for each qualification / course.
TAFE SA has provided a Census date calculator to enable students to view their Census dates prior to CRN registration. The census date calculator is available via the Census Date Calculator link on the Self-Service Banner (SSB) homepage.
The VET Student Loan fee notice is a Commonwealth requirement and provides information to students including the unit of study tuition fees to be incurred.
If you are a VET Student Loans eligible student, you will receive a VET Student Loans Fee Notice at least 14 days before the Census date, and at most 42 days before the nominated start date of a CRN, if the CRN is eligible to be deferred to a VET Student Loan.
Multiple CRNs can appear on a single Fee Notice if they share the same Census Date.
You must be registered into your CRNs at least 15 days prior to the Census dates to receive the notice within the required timeframe.
VET Student Loans Fee Notices are issued by email.
If your application for a VET Student Loan is successful, you will receive a Commonwealth Assistance Notice (CAN) within 28 days of your Census date.
CANs are issued by email.
Your CAN contains information about the units of study covered by your VET Student Loan. The CANs are cumulative, so each new CAN (within a semester) is an updated version of the previous one and shows all CRNs that have passed Census at the time of issue.
If you believe that the information in your CAN is incorrect, you must, within 14 days of the date on which the CAN was issued, submit a CAN review request via the contact us form or by email . You should include evidence showing why you think the CAN is incorrect.
You will be re-issued the CAN if the original is incorrect.
During your studies, you must meet engagement and progression requirements to continue accessing a VET Student Loan. You will do this by completing Progression Surveys.
Progression surveys are used to verify that VET Student Loan students are ‘genuine’ and reasonably engaged in their course. The Department of Employment and Workplace Relations (the department) is not required to pay a VET Student Loan for students who are not considered genuine.
TAFE SA must trigger for Progression surveys to be sent to students at the 3 fixed Progression Points- February, June and October or when a student returns from a break in their study.
You will receive your first survey once at least 4 months have passed since you completed your eCAF (VET Student Loan application).
You will be required to complete a Progression survey in the eCAF system at least twice a year to indicate your most up to date study status. Failure to respond to the progression survey may result in upfront payment of your tuition fees.
Further information is available VSL Progression Form Fact Sheet
TAFE SA understands that students may need to defer their studies due to varying reasons. You should discuss deferring your studies with your program/lecturer and complete the Application for Leave from Enrolment form.
If you decide to defer or withdraw, you are required to indicate/notify this on your next Progression Survey – this will advise the Commonwealth Government of your most up-to-date study status.
Alternately when recommencing your training at TAFE SA, you will need to contact the program/lecturer to discuss and plan your return to study.
TAFE SA will initiate an individual Progression Survey you must respond to, advising the date of your recommencement. By completing this process, it will advise the Commonwealth Government of your return to training. This will enable the remaining fees to be applied to the your VET Student Loan (up to the current Course Loan CAP) if you return to study in the same qualification you completed your VET Student Loan application (eCAF) for. If the qualification has been superseded, you will be required to complete a new Acknowledgement of Understanding and be deemed eligible before completing a new eCAF for the replacement qualification.
If you have successfully completed unit/s of competency, you can apply for recognition of unit/s. See Official TAFE SA Certificates for more information.
If you are an eligible student studying a Diploma or above qualification and withdraw on or before the census date you will receive a full 100% refund of any tuition fees you have paid upfront and will not incur a student loan debt. To be deemed as an eligible student you must have completed an Acknowledgement of Understanding, provided appropriate eligibility documentation and been assessed as eligible to apply for a VET Student Loan.
If you want to withdraw, you should first speak to your lecturer to discuss this prior to completing and submitting a Withdrawals and Refunds form.
If a re-credit is not approved and you are not satisfied with this decision, you can apply for a review within 28 days by completing an Application to review a refund/re-credit decision.
To ensure fair treatment for students, TAFE SA aims to create an intellectual environment where academic honesty, critical judgment, and independent scholarly learning are well understood and highly valued by staff, students, employers, schools, and the community. Further information can be found on the Academic Integrity - TAFE SA webpage.
You may raise a concern or grievance for a range of matters including academic results, harassment, vilification, discrimination, misuse of personal information, financial matters, course application and enrolment. Complaints to TAFE SA are managed in accordance with TAFE SA’s Customer Resolution and Feedback Policy. In the first instance, you should speak with a lecturer, counsellor or any administration staff. They may be able to resolve your complaint or otherwise, you can make a complaint by completing and submitting the online form on the TAFE SA Feedback or Complaint web page.
For more information in relation to an Assessment Appeal please see the Assessment Policy.
If you are still not satisfied with the outcome and your complaint is specifically related to a VET FEE-HELP or VET Student Loan, you can contact the Commonwealth Ombudsman - VET Student Loans on 1300 362 072. TAFE SA is committed to the principles of the VET Student Loans Code of Practice.
Further information is available at Commonwealth OMBUDSMAN VET Student Loans website.
Please familiarise yourself with TAFE SA's Student Code of Behaviour.
Tuition assurance refers to the protections and assistance available to support VET Student Loans and FEE-HELP students, in the event that their education provider stops delivering their course or closes entirely. Please refer to the Tuition Assurance information for students fact sheet for more information.
If TAFE SA ceases to provide a qualification/course that you are enrolled, TAFE SA will provide you enrolment in a similar qualification/course to study.
New Tuition Assurance arrangements were introduced by the Department of Education, Skills and Employment (DESE) on January 1st 2020.
For information regarding these arrangements, please refer to Tuition Protection - Questions and Answers on Future Arrangements for VET Student Loans
The Schedule of Fees should be used as a guide to provide information on fees and Census days for units of study. You will be provided with a VET Student Loans Fee Advice during the pre-application process. This will provide fee and census date information specific to your registrations into the relevant qualification. Indicative qualification fees are available on the course information pages.
A 20 per cent loan fee applies to VET Student Loans for full fee paying/fee for service students. You do not have to pay the loan fee upfront – it is added to your VETSL debt at the ATO.The loan fee does not count towards your HELP loan limit.
Repaying your loan is through the tax system when your income is above the minimum repayment threshold. The repayment thresholds are adjusted annually to reflect changes in average weekly earnings. The minimum repayment income threshold for 2024-25 is $54,435.
A VET Student Loan is a personal debt obligation that can affect your credit rating and have wage and tax repayment implications. From 1 July 2017, all existing and future debtors from any Commonwealth student loan program who move overseas must make compulsory HELP repayments. If you are living overseas and earning an income that exceeds the minimum repayment threshold, you will be required to make compulsory repayments towards your debt. Please refer to the ATO website for more information.
If you require further information regarding Commonwealth loan repayment thresholds, please visit the Department of Employment and Workplace Relations website.
Related policies and procedures cover fair treatment, personal information, academic grievance, student complaint resolution and refunds/re-credits. If you require further information, please email TAFESAVetStudentLoans@tafesa.edu.au.
If you have any queries, please contact us or call 1800 882 661.
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