HELP loans for some New Zealanders

Please note

If the proposed Higher Education Reforms are passed by an act of Parliament, New Zealand citizens and permanent residents enrolling in a new course from 1 January 2018 will pay the full domestic course fees.

If you are currently enrolled in a Commonwealth Supported Place (CSP). You can either:

  • continue your course in a CSP and continue to pay your student contribution amount upfront; or
  • transfer your enrolment to a domestic full fee paying place and access a HELP loan to pay your fees.

New Zealand Special Category Visa holders who meet the long-term residency requirements (outlined below) for a CSP/HELP are not affected.

Read the Higher Education Reforms FAQs for more information.

Please read the following information carefully – only some New Zealand citizens will be entitled to HELP loans from the 1 January 2016.

In November 2015 the Australian Government made changes to the Higher Education Loan Programme (HELP) scheme to allow young Special Category Visa (SCV) New Zealand citizens, who meet certain eligibility criteria, to access HELP loans from 1 January 2016.

You must meet all of the following eligibility criteria eligible for HELP loans.

To access HELP loans you must have:

  • first entered Australia at least 10 years ago as a dependent child aged under 18 years of age;
  • been ordinarily resident in Australia for the previous 10 years (that is, you have been physically present in Australia for at least eight out of the past 10 years) and 18 months out of the last two years at the time of application for the loan; and
  • are otherwise eligible for the loan.

Please note

If an SCV Kiwi becomes a permanent visa-holder they will lose their eligibility for HELP until they become a citizen.

If an eligible New Zealand citizen takes out permanent residence, eg is sponsored by a parent for PR, they will no longer be eligible for HELP under the above rules. In this situation the student will have to wait until they become a citizen to then access HELP.

From the Study Assist page:

“If you hold a New Zealand SCV but then apply for, and are granted, a permanent residency visa, your HELP eligibility would change to that of a permanent visa holder (non-humanitarian subclass).”

Refer to the Study Assist FAQs NZ page for more information on HELP eligibility.

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