About VET Student Loans

VET Student Loans

From 1 January 2017, a new scheme called VET Student Loans replaced the VET-FEE HELP loan scheme. If you are an existing VFH student (who accessed VET FEE-HELP in 2016 or earlier) please refer to VET FEE-HELP: OPT-IN. 


What is VET Student Loans?

VET Student Loans is a loan program that helps eligible students enrolled in higher level vocational education and training courses at approved course providers. A list of VET Student Loans approved providers is accessible at https://www.education.gov.au/vet-student-loans

Access Group Training has transition approval for VET Student Loans from 1 January 2017 - 30 June 2017.  

Access Group Training is no longer taking new enrolments under the VET Student Loans program, existing students may remain in training under the program until their current unit of study end date. After this time students will be offered options to continue their training under fee-for-service arrangements.

A person's access to a VET Student Loan is approved by the Australian Government Department of Education and Training. You access the loan for your course, and the debt is then managed by the Australian Taxation Office (ATO).

Each VET Student Loan eligible course has an associated capped amount. Eligible students are only entitled to loans up to the specified capped amount of each VET Student Loan-eligible course. 

Students do not have to repay the VET Student Loans until their income is above the minimum repayment threshold for compulsory repayment. Voluntary payments may be made at any time to the ATO. 

Further information and the eligible VET Student Loans course list is available from the Commonwealth Department of Education and Training website


How do I know if I'm eligible for a VET Student Loan?

You may be eligible for a VET Student Loan if you:

  • are an Australian Citizen OR a Permanent Humanitarian Visa holder residing in Australia for the course duration OR a New Zealand citizen who holds a Special Category Visa (SCV) meeting the long-term residency requirements
  • study in an approved course (e.g. Diploma of Early Childhood Education and Care, Diploma of Business)  
  • study with an approved course provider - Access Group Training has been approved as a provider in selected courses
  • apply to the government using the electronic Commonwealth Assistance Form (eCAF), you must provide a tax file number on this form.
  • confirm your engagement and progression to continue to access the loan throughout your course
  • have not exceeded your FEE-HELP limit. Check at Study Assist 
  • have been assessed by your approved course provider, as academically suited to undertake the approved course. 


Are there course entry requirements?

Access Group Training admits students based on their demonstrated capacity to succeed. Please refer to our Student Selection Policy

Students must be assessed by their course provider, Access Group Training, as academically suited to undertake the approved course, by 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; AND
  • In addition, Access Group Training must reasonably believe that you show sufficient capability to be able to successfully complete the course.


What do I need before I can enrol?
  • Decide on your chosen course and delivery method, check if the course is an approved course for VET Student Loans
  • Check if you meet the Eligibility and Entry Requirements. Be prepared to provide records of your past studies and/or work experience, and undergo a reading and numeracy assessment.
  • Tax File Number
  • Unique Student Identifier (USI) or agree for Access Group Training to create a USI on your behalf once you provide your personal identification documents and course enrolment forms
  • Identification (must include Australian Citizenship evidence, or Permanent Humanitarian Visa, or New Zealand Special Category Visa, and photo ID).
  • Read the VET Student Loans information for 2017 booklet
  • Read Access Group Training's Policies and Procedures


Forms to be completed / Information to be provided on application:
  • Course Application / Enrolment Form, including Application Questionnaire (online form or paper-based form)
  • Reading and numeracy assessment (CSPA approved assessment tool); OR providing your Australian Year 12 certificate and undertaking Access Group Training's Language, Literacy and Numeracy assessment
  • Identification to be provided.


How do I apply for a VET Student Loan - what is the electronic Commonwealth Assistance Form (eCAF)? 

To apply for a VET Student Loan you must complete the Request for a VET Student Loan electronic Commonwealth Assistance Form (eCAF) before census date.

  • You must first enrol in the course and indicate you wish to access a VET Student Loan on your enrolment form. 
  • Access Group Training will then give the Department your enrolment information and the Department will email you details to sign into the eCAF system and complete the online form. 
  • Once you sign-in, you will need to verify the pre-populated information and complete the mandatory fields. 
  • You then submit the eCAF online and the system will email you a copy of your completed form. You MUST then forward the email with completed eCAF form to Access Group Training at admin@agt.edu.au


What is a census date?
The census date is the most important date for you to know about!

The census date is the last day you can complete the eCAF to access a VET Student Loan AND is the last date you can withdraw your enrolment without incurring the tuition fee cost or debt for the course.

  • Access Group Training publishes Schedules  which include course dates, the census dates and tuition fees. 
  • After admittance into the course, students also receive a course Acceptance Letter which includes course information, including census dates for every unit of study. 
  • Furthermore, prior to each census date, students will receive an Invoice Notice including details of the tuition fee amount and upcoming census date when the tuition fee will be reported and incurred as part of your HELP debt. 
  • After census date has passed, and the fee reported, students will receive a Commonwealth Assistance Notice (CAN) notifying them of the reported debt. 

It is the student's responsibility to check the Invoice Notice and CAN carefully and notify Access Group Training within 14 days of any concerns or issues.  

Most Importantly, if you wish to withdraw from your course contact Access Group Training immediately on 1300 784 408 or email admin@agt.edu.au. To avoid incurring the tuition fee/debt, you must notify Access Group Training of your course withdrawal BEFORE CENSUS DATE.

What are the approved courses that Access Group Training offers where eligible students may access a VET Student Loan?
  • CHC50113 Diploma of Early Childhood Education and Care
  • BSB50215 Diploma of Business
  • BSB60215 Advanced Diploma of Business
  • SIT50416 Diploma of Hospitality Management

* Note a provider fee limit exists for the above qualifications, which means Access Group Training can only admit limited students through the VET Student Loans scheme. If Access Group Training reaches our provider limit, students will be notified of their options which may include paying tuition fees directly, or withdrawing their enrolment.

Refer to the VET Student Loans Courses and Course Schedules for further information. 

Further Information:
If you have any questions please contact Access Group Training on 1300 784 408 or through Contact Us.