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Learn moreBelow are summaries of legislated changes to commonwealth support and assistance by year, and how they may affect you.
As a result of the Job Ready Graduates Package reforms there are significant changes that may impact both your enrolment and fees. All students studying in Commonwealth supported courses, or wishing to defer their fees to a FEE-HELP loan, are advised to read the relevant HECS-HELP or FEE-HELP information booklets which highlight the changes that may impact your studies.
Below is a summary of these legislated changes and how they may affect you.
Previous legislation | Change in legislation | Impact to students |
---|---|---|
The completion rate requirement applies to Commonwealth supported students who commence a course of study from 1 January 2022. If you have a low completion rate, you will not be eligible to be a Commonwealth supported student and will not be eligible to receive HECS-HELP or FEE-HELP loans. | The requirement to pass 50 per cent of units studied to remain eligible for a Commonwealth Supported Place (CSP) or FEE-HELP assistance will be removed from 1 January 2024. | If you are currently on a low completion rate, your eligibility for Commonwealth Support or FEE-HELP will be restored in January 2024. You will receive an email with further information on how this change will impact you. If you are currently enrolled in any units with a Census Date in 2023, you are still subject to the 50 per cent pass rate for these units. |
Previous legislation | Change in legislation | Impact to students |
---|---|---|
Introduction of a 10 per cent HECS‑HELP discount on upfront payment from 1 January 2021 for students in Commonwealth Supported Place (CSP). | Cessation of HECS‑HELP discount. | From 1 January 2021, if you were in a Commonwealth Supported Place (CSP) and you were eligible to defer your student contribution to a HECS-HELP loan but make upfront payments of $500 or more before the relevant census date, you would receive a 10 per cent discount on your upfront payment. The discount has now ceased effective 1 January 2023, based on the passage of legislation. Therefore, no discount for students eligible to defer their student contribution to HECS-HELP but make upfront payments. |
Previous legislation | Change in legislation | Impact to students |
---|---|---|
Student Learning Entitlement (SLE) does not apply. It was abolished 1 January 2012. | Re-introduction of SLE. | From 1 January 2022, Commonwealth supported students will have seven years SLE. SLE is used to measure the timeframe you could be enrolled in a Commonwealth supported place. This entitlement is seven years full-time or the part-time equivalent. If you run out of SLE, you are no longer eligible to study in a Commonwealth supported place. If you are in this situation, you can:
You may be eligible for additional SLE, for more information refer to the Government StudyAssist page. |
Students can keep their Commonwealth Supported Place (CSP) offer for a course and defer their fees to a HELP loan (if eligible) regardless of their academic performance. | Requirement to maintain an adequate ‘completion rate’ throughout your studies. | The completion rate requirement applies to Commonwealth supported students who commence a course of study from 1 January 2022. If you have a low completion rate, you will not be eligible to be a Commonwealth supported student and will not be eligible to receive HECS-HELP or FEE-HELP loans. Note: if you are a student who was studying at Macquarie prior to 2022 and change your course of study in 2022, you will be subject to the completion rate requirements. A low completion rate is when you don’t pass at least 50 per cent of the units of study you have attempted, after you have attempted:
If you have a low completion rate, you can:
Note: if you withdraw yourself from a unit after the census date, you will have that withdrawal count toward the completion rate as a not-completed unit. For more details, please read the relevant HELP booklet on the StudyAssist website. |
As long as you meet the residency and HELP limit requirements, you can continue to be a Commonwealth supported student or defer fees as offered at commencement. | Changes to CSP eligibility – ‘genuine student’ | From 1 January 2022, you must:
Failure to meet the above will mean you will no longer be eligible to access a Commonwealth Supported Place or defer your fees to either a HECS-HELP or FEE-HELP loan. You will be required to pay tuition fee rates 100 per cent upfront. |
Australian Government’s job-ready graduates package reforms
On 19 October 2020 the Australian Parliament passed the Higher Education Support Amendment (Job-Ready Graduates and Supporting Regional and Remote Students) Bill 2020. Learn more about the bill.
These reforms may impact your studies. All students studying in Commonwealth supported courses or wishing to defer their fees to a FEE-HELP loan are advised to read the relevant information booklets.
Below is a summary of these legislated changes and how they may affect you.
Previous legislation | Change in legislation | Impact to students |
---|---|---|
No discount for students eligible to defer their student contribution to HECS-HELP but make upfront payments. | Introduction of a HECS‑HELP discount. | From 1 January 2021, if you are in a Commonwealth Supported Place (CSP) and you are eligible to defer your student contribution to a HECS-HELP loan but make upfront payments of $500 or more before the relevant census date, you will receive a 10 per cent discount* on your upfront payment. The discount is expected to cease from 1 January 2023, subject to the passage of legislation. *This discount does not apply to Permanent Residents or New Zealand citizens in CSP courses. You will still be required to pay your student contribution amounts 100 per cent upfront to the University by the relevant payment due dates. |
Arts units are generally classified under the lowest student contribution amounts. No difference in the designated bands for continuing and commencing students. | Changes to Student Contribution amounts and introduction of grandfathering of fees. | From 1 January 2021, there will be changes to student contribution bands. The student contribution amount you pay will depend on what band a unit falls under. Bands are associated with unit/s depending on the specific area of study of a unit. Find the student contribution and band amounts for: As a result of units changing their designated bands, some units will now be charged more in 2021 than previously. To ensure the new legislation does not disadvantage continuing students, the Government has introduced ‘grandfathering’. This means that a continuing student will continue to pay student contribution amounts equal to the band that the units would have been under, had there been no legislative changes.
The biggest changes in student contribution amounts are for students enrolled in maths and education units as you will be charged lower rates from 2021 and students enrolled in communications, society, history and culture units will be charged higher rates than previous years. |
Does not exist at universities. | Students may be eligible to apply for the Tertiary Access Payment (TAP). | The TAP will be available for school leavers who are:
This payment will be means-tested. Students will need to be below a parental income threshold of $250,000 to receive this payment. The TAP will be made in two installments:
The exact timing of payments will depend on institutions’ census dates. This payment will only be available in the student’s first year of study – no further payments are made in the second year of study or beyond. Students receiving the TAP can also be eligible to apply for Youth Allowance/ABSTUDY. For more information see more opportunities for regional Australia. |
Currently students eligible to defer their fees to HELP debts are assigned a CHESSN to keep track of their HELP debt. | Introduction of Unique Student Identifier (USI) | The USI is your individual education identifier for life. It also creates an online record of your training attainments in Australia. Students will need a USI in order to receive commonwealth financial assistance (HELP), as well as to obtain their qualification or statement of attainment. You must create your own USI. |
Prior to 2020, there was only a limit on FEE-HELP usage and this was not replenishable. | Combined HELP limit. | From 2020, there is a new combined HELP limit for students using HECS-HELP, FEE-HELP, and VET FEE-HELP. Once a student reaches this limit, they can no longer defer any fees. They will be required to pay upfront. However, students can reborrow up to the limit, after they have paid off some of their debt. The combined HELP limit in 2021 will be $155,448 for MD students at Macquarie and $108,232 for all other students. |
Repayments do not provide you access to further FEE-HELP loans. Once you exceed your limit, you must pay all tuition fees fully upfront. | Repayments will credit your new HELP balance. | Voluntary repayments you make will credit your HELP balance when the ATO notifies the Department of Education about your repayments. Any compulsory repayments will credit your HELP balance once:
Your fortnightly PAYG repayments will not credit your HELP balance until your completed tax return has been processed by the ATO. |
In 2020, the Government introduced short courses (undergraduate certificates) in engineering, IT and science which were subsidised due to COVID-19. | Subsidised fees for short online courses. | From 1 January 2021, short course fees will no longer be discounted. The fees were either $312 or $625 (depending on the band). Undergraduate certificate courses will be charged under the grandfathered student contribution amounts and bands for 2021. |
2020 Higher Education Loan Program (HELP) reforms
You may have heard that from 2020 there will be changes to the way you can defer your tuition fees and when you need to start repaying them. Below is a summary of these changes and how they may affect you.
Previous legislation | Change in legislation | Impact to students |
---|---|---|
Repayment threshold for 2018–2019 is $51,957 with a two per cent repayment rate. | A new set of repayment thresholds. | From 1 July 2019, the new minimum HELP repayment threshold will be $45,881 with a one per cent repayment rate. For information on the new repayment thresholds, see how to pay back your loan. |
There is only a limit on FEE-HELP, VET FEE-HELP and VET students loans. | Combined HELP Limit for 2020. | From 1 January 2020 there will be a combined HELP limit for students using HECS-HELP, FEE-HELP, VET FEE-HELP and VET students loans. |
The FEE-HELP limit in 2019 is $104,440 for all courses except medicine which has a limit of $150,000. | New HELP limits in 2020. | In 2020 there will be a combined HELP limit of $106,319 for all courses except for medicine, dentistry and veterinary science students whose limit will be $152,700. |
No limit on the amount of HECS-HELP you can borrow. For students using FEE-HELP, once you have reached your limit you can no longer defer any fees to a FEE-HELP loan. | Combined, renewable HELP loan limit. | Combined HELP loan limit From 1 January 2020, a combined HELP loan limit will replace the FEE-HELP limit. There will now also be a limit on the amount you can borrow for HECS-HELP, FEE-HELP, VET FEE-HELP and VET students loans. Only new HECS-HELP loans incurred from 1 January 2020 will be counted towards the limit. Any existing FEE-HELP or student loans borrowed before 2020 will count towards your new HELP balance. Renewable HELP balance From 1 January 2020, you can top up your HELP loan balance by making repayments towards your debt. Repayments starting from the 2019-20 financial year will top up your HELP balance. Compulsory or voluntary repayments can be re-borrowed in the future, up to the current HELP loan limit. |
Repayments do not provide you access to further FEE-HELP loans. Once you exceed your limit, you must pay all tuition fees fully upfront. | Repayments will credit your new HELP balance. | Voluntary repayments you make will credit your HELP balance when the ATO notifies the Department of Education about your repayments. Any compulsory repayments will credit your HELP balance once:
Your fortnightly PAYG repayments will not credit your HELP balance until your completed tax return has been processed by the ATO. |
MQ currently does not have any UG courses which attract the 25 per cent loan fee (but we did in the past). | Removal of FEE-HELP loan fee. | From 1 January 2019, students studying an undergraduate domestic fee paying course (non-Commonwealth supported) will no longer be charged the 25 per cent FEE-HELP loan fee. This only applies to units of study with a census date on or after 1 January 2019. |
You can check your HELP debt via MyUniAssist. | New portal to view your debt. | To keep tabs on your HELP balance, you can use the myHELPbalance portal. This will replace the MyUniAssist portal from 1 January 2020. The MyUniAssist portal will continue to run until the end of 2019 and then have a redirect to the myHELPbalance portal. |
For more information on these changes, see the following:
Our source: StudyAssist website on behalf of the 2018 Sustainability Bill – passed legislation.