Who is eligible for SA-HELP?

To be eligible for SA-HELP a student must provide their Unique Student Identifier (USI) and Tax File Number (TFN) and;

• be an Australian citizen or
• be a Permanent Humanitarian Visa holder residing in Australia or
• be a New Zealand citizen who holds a Special Category Visa (SCV) and meets ALL of the long-term eligibility criteria under this category

Students not eligible for SA-HELP are required to pay the SSAF by the fee due date. Refer to:

• academic calendars and important dates for payment due dates
• how to pay your fees

Note: Eligible students are able to defer their SSAF to a SA-HELP loan even if they do not wish to take out any other HELP loan.

How to lodge a request for SA-HELP

Eligible students will be required to complete an electronic Request for SA-HELP Assistance Form (eSAF) on or before the fee payment due date for the relevant study period. Refer to the academic calendars for key administrative dates.

The electronic form (eSAF) is only available in USC Central. We will email you reminders to keep you up to date.

Please regularly check:

• your UniSC student emails (at least twice a week)
• that your contact details are up to date in USC Central
• your To Do List in USC Central for the electronic SA-HELP form. Once completed, you can check your SA-HELP details on your completed form. View How to view your completed eSAF for instructions
• the Student Services and Amenities Fee (SSAF) page

When do students need to lodge their request for SA-HELP form?

A request for a SA-HELP form is to be submitted on or before the fee payment due date for the relevant study period; refer to the academic calendars for key administrative dates.

An eligible student who has applied for SA-HELP Assistance will be able to pay all or part of the SSAF to the University by the due date, and any remaining balance will be deferred to SA-HELP.

Important: If a SA-HELP form is not completed (and your tax file number provided for SA-HELP) by the due date, payment will be required.

SA-HELP incurral dates

The incurral date is the date on which your SA-HELP debt is confirmed. Your SA-HELP incurral date will be the UniSC Census date, the last day on which you can drop your courses without financial liability.

Important: After the Incurral date, no remission of SA-HELP debts are available.

When do I start repaying the loan?

SA-HELP loans are included in student's accumulated HELP debts, meaning the SA-HELP loan will be added to the student's HECS-HELP, FEE-HELP, OS-HELP or VET FEE-HELP loans with the Commonwealth.

You will start repaying your accumulated HELP debt when your income is above the minimum compulsory repayment threshold. The compulsory repayment threshold for the 2024-25 income year is A$54,435. This repayment threshold is adjusted each year, and further information on repaying your HELP loan is available  on the Study Assist website.