VET Student Loans


VET Student Loans commenced on 1 January 2017, replacing the VET FEE-HELP scheme. The VET Student Loans program offers greater protection for students and focuses on courses that address industry needs, creating better opportunities for employment. VET Student Loans offers income contingent loan support to eligible students studying certain diploma level and above vocational education and training qualifications. Eligible students are entitled to loans up to a capped amount.

All students must read the Institute’s VET Student Loans Handbook and the VET Student Loans Information Booklet when applying for a VET Student Loan.

To understand your obligations under the VET Student Loans program please see this resource document here, which includes information on the application process, ongoing student obligations, and how to cease accessing a VSL.


To receive a VET Student Loan, you must:

  1. be an eligible student
  2. be studying an approved course
  3. be studying with an approved course provider
  4. apply to the government using the approved form, and confirm your engagement and progression to continue to access the loan throughout your course.

To be an eligible student, you must meet ALL of these criteria – further detailed below.

You are:

  • an Australian citizen, or
  • a qualifying New Zealand citizen, or
  • a permanent humanitarian visa holder, who is usually resident in Australia.
  • Your FEE-HELP balance (the amount of your FEE-HELP limit you have left) is more than $0.
  • You are enrolled with an approved course provider in an approved course and have enrolled in accordance with the application requirements.
  • You are studying the approved course primarily at a campus in Australia.

You have been assessed by your approved course provider as academically suited to
undertake the approved course on the basis of either:

  • providing your Australian Year 12 Certificate; OR
  • providing evidence of successful completion of an Australian Qualifications Framework
  • Certificate IV or higher qualification (where the language of instruction is English); OR displaying competence at Exit Level 3 in the Australian Core Skills Framework in both reading and numeracy through an approved Language, Literacy and Numeracy test.

Additionally, students will need to demonstrate their suitability for studying prior to a course offer by completing:

  1. Core Skills Profile for Adults (online)
  2. Upfront Assessment of Need (interview).

Loan Caps

A list of current VET Student Loans approved courses and maximum loan amounts is available in the VET Student Loans (Courses and Loan Caps) Determination 2016.

Eligible Courses

Relationships Australia South Australia Ltd (trading name – Australian Institute of Social Relations) is an approved course provider for the following VET Student Loans:

CHC51015 Diploma of Counselling
Loan Cap Band 2 – $10000 (maximum)

CHC51115 Diploma of Financial Counselling
Loan Cap Band 2 – $10000 (maximum)

CHC81115 Graduate Diploma of Family Dispute Resolution
Loan Cap Band 2 – $10000 (maximum)

Census Dates

Every part of a course (unit or subject) has its own census day, so that you incur debts as your progress through your course, not for the whole course at the beginning. Every course will have at least 3 census days spread reasonably evenly throughout your course.

The census day for a course, or a part of a course, is the last day you can:

  • complete the eCAF to apply for a VET Student Loan for your course, or;
  • withdraw your enrolment without incurring a debt for the course or part of the course.

Contact the Australian Institute of Social Relations to confirm census days for the modules you are planning to enrol in.

More information about Census Days can be found in the VET Student Loans Information Booklet.

You must withdraw by the census day to a avoid a VET Student Loans debt!

For more information about withdrawal or deferral please refer to the Student Handbook pg. 13-14.

A Deferral/Widthdrawal/Transfer Form is available here.

Cancel (re-credit) your HELP Debt for a Unit of Study ‘Special Circumstances’

For more information regarding how to apply to cancel (re-credit) your HELP debit for a Unit of Study because of Special Circumstances, use this link for more information

Complaints and Appeals

Information on VET Student Loans debt issues and complaints concerning a provider is available at

Further Information

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