HECS-HELP — Study Now, Pay Later
Most domestic students don't pay fees upfront. Under HECS-HELP, the government loans you the tuition fees and you repay through the tax system once you earn above $54,435/year (2025–26). The repayment rate starts at 1% and increases with income up to 10%.
| Band | Annual Cost (2025) | Example Fields |
|---|---|---|
| Band 1 | $4,124 | Education, nursing, languages, maths |
| Band 2 | $8,301 | Engineering, science, health |
| Band 3 | $11,800 | Law, commerce, economics |
| Band 4 | $16,252 | Humanities, communications, arts |
Student Payments
| Payment | Amount | Who Qualifies |
|---|---|---|
| Youth Allowance (student) | $318–$621/fortnight | Under 25, full-time student |
| Austudy | $621/fortnight | 25+, full-time student |
| Rent Assistance | Up to $188/fortnight | If paying rent and receiving student payment |
| Student Start-up Loan | $1,190/semester | Income support recipients (repaid through tax) |
Living Costs in Canberra
Budget $20,000–$30,000/year for living costs in Canberra (rent, food, transport, textbooks). Share housing typically costs $200–$350/week in major cities. University accommodation is $250–$450/week.
Frequently Asked Questions
Do I have to pay uni fees upfront?
No. Most domestic students use HECS-HELP — the government pays your fees and you repay through the tax system once you earn above $54,435/year.
How much is Youth Allowance?
About $318–$621/fortnight depending on your age, living situation, and relationship status. Apply through myGov → Centrelink.
Does HECS-HELP affect my credit score?
No. HECS debt doesn't appear on your credit report. But lenders factor in your repayments when assessing how much you can borrow for a home loan.